ATM service fees if you withdraw cash using your ATM card to another banks.
Haing or owning more than one credit card is a big No-NO! The additional charges will file up and leads you to bankruptcy. Ditch those cards which high interest rates and sticks to the low interest rates cards.
Buying stuffs using your credit cards because its on sale and do not have any cash on your wallet. The rule is simple: do not buy when you do not have money.
Last but not the least, list down all your expenses for three to six months, then review it for impractical spending. You’ll spot your cash culprits, then you can consequently hunt for cheaper alternatives.
Source: Cosmopolitan Magazine