Many people are concerned about their overall level of debt but do not have a financial plan to get rid of it. You need to get started on your plan today.

Here are six simple steps that can help you can help reduce your debt:

It used to be that you would only have to pay a surcharge if you used an ATM that didn’t belong to your bank, a fee that was typically between $1 to $2 and was collected by the ATM owner. Nowadays, if you use an out-of-network ATM, you have to pay that fee and an additional fee to your bank. Additionally, many of these fees have gone up. Today, it’s not unusual to pay a total of $3 to $6 for withdrawing money from an ATM that does not belong to your bank.

Overdraft Protection
Banks offer overdraft protection to customers to prevent bounced checks. Some banks will automatically enroll checking account customers into a program where the bank covers overdrafts for a fee. The bank fee would be much less than the fees associated with bouncing a check or checks.