a little tip on avoiding ATM fees
We just discovered our credit union belongs to Allpoint (www.allpointnetwork.com
). If your bank belongs, you can use any ATM in their network without the surcharge.
We just tried it today. I wasn't sure it was going to work, b/c I had to "agree" to a $2.00 service charge. However, when I got my receipt, there was no charge.
This is great, especially if you travel a lot and are away from your primary bank.
less stuff, more time
(48, married; DH 52. I am fully retired as of 2015 (well ok, I still work part-time but only because I love the job and have complete freedom to call off if I want to travel with hubby for work), DH will fully retire 2018 when he turns 55 to access 401K penalty-free)