If you find yourself needing to use ATMs more frequently, be sure you plan each ATM visit carefully to avoid fees. Don’t just pull out cash from whatever ATM is close, because you’ll be racking up some pretty insane fees.  So when it’s time to take out some cash, make sure you can get to your bank! (because your bank can still charge you at a ‘free ATM’) Or go to a supermarket or convenience store that offers cash back with debit purchases, grab a pack of gum and get money back on your purchase.