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Description:A Guide to Selling Unwanted Items Adopt a budget One of the biggest reasons that people fall into this cycle is the lack of a budget — more specifically, a lack of understanding of where all of their money is going each month. For this service, banks often charge you a fee for each overdraft and sometimes also charge an interest rate on your negative balance. Can you spend less this week than last week? How to Create a Bare-Bones Budget Ask for a waiver Simply go to your bank and ask for a courtesy waiver of some of the most recent overdraft fees. Many people simply accept it and live on a cycle of overdrafts, which continually drains their finances at a rapid rate and ensures more overdrafts in the future. Often you wind up in a cycle. Most businesses will not only charge you late fees on your account, but will also tack on an additional fee for a returned check.

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