Depending upon the institution you use, bounced checks or overdrafts could cost you up to $30 or more! Trust me, no one likes to get those notices from the bank that say INSUFFICIENT FUNDS. On top of that, getting slapped with fees is never a good thing.
So how do you avoid handing over your hard-earned dollars? Begin managing your accounts by tracking your spending. The best way to do that is to prepare a budget and balance your account. It takes a little time but will assist you with the question "to spend or not to spend." Here's the good news. Delta Community Credit Union offers both Online and Mobile Banking
that not only shows what you have in your account but also helps you track where every dollar is going. You know what that means? You no longer have to stop at the ATM late at night or drive out of your way to check your account balance. As a member, you have options; you can manage your finances online or from your cell phone, in the sheer convenience of your home or wherever you may be.
Another way to avoid overdraft fees is to simply say NO
. You may have to miss an activity or wait on that latest gadget to avoid overspending. It's not always easy or the most fun decision to make, but we have to use discipline if we want to control our finances and not let our finances control us. Don't let the pressure of impressing friends or family get you in financial hot water. A way you can make sure you stay in charge of your money is to account for everything! Routine maintenance fees, automatic drafts and irregular payments can sometimes throw you off; but remember, this too
is money that must be accounted for in your monthly budget. Keep bounce fees from happening so you can spend those extra dollars on a well-earned dinner with friends, to purchase the latest tech device or perhaps drop by the sports bar to watch a game with the guys.
Budgeting, balancing your checkbook and using helpful resources such as Online and Mobile Banking, can help keep you from overspending and save you money. Saving money... now who doesn't like the sound of that?