<p><b>Most people should not be paying annual credit card fees.</b></p><p><span>A host of Visa, MasterCard and Discover cards have no annual fee, yet many people pay $100 or more a year for the privilege of holding a premium credit card. </span></p>

Annual Credit Card Fees

<p><span>If you like to pick up your favorite magazine from the local store, consider getting an annual subscription. <br></span></p><p><span>The cost of a couple of issues at the newsstand is enough to cover the entire annual subscription. </span></p>

Magazines

<p><span>Convenience stores add a huge markup because they don't purchase food in large quantities. They make you pay more for the convenience they provide. </span></p><p><span><b>Unless it's an emergency situation, avoid shopping at convenience stores.</b></span></p>

Convenience Stores

<p><span>Using a cell phone plan that does not suit your needs, or paying for extra services that you do not use can be costing you money each month.<br></span></p>
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<p>Compare and determine which plan provides the most value based on your needs. Get rid of the extra features like text messaging and mobile internet if you are not using them.</p></div>

Cell Phone Plans

<p><span>Soft drinks have one of the highest markups of any restaurant item and thus provide lower value for your money.</span></p>
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<p><b>Dine out, but consider to rather opt for water.</b></p></div>

Soft Drinks at Restaurants

<p><span>If you don't know what fees your accounts are subject to, spend a few minutes finding out. </span></p>
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<p>Examine the rules governing your checking and savings accounts. Consider consolidating bank accounts to avoid unnecessary fees. </p></div>

Unnecessary Bank Fees

Despite the benefits of putting some money away, most people take a passing interest in actually doing it. If you'd like to make regular saving a part of your life, read on to find out how to conquer the first step: finding that extra money.

Magazines

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