Re: More financial advice sought
Here are a few of my faves that I haven't seen above:
Never, ever, ever pay a fee to get cash from an ATM. Never. $2.50 to get your own money? No sir. Plan ahead, so that your route takes you by an ATM from your financial institution. Can't do that? Buy a pack of gum at the grocery store and get cash back. But don't pay the fee because you're at a different bank's ATM.
Also, understand & utilize pre-tax spending plans that might be offered through your employer. If you know that you are going to spend $X per month on prescription co-pays, and $Y in doctor's office co-pays, have that withheld from your paycheck pre-tax. You'll save yourself from forking over some cash to Uncle Sam. That's money that can be spent on other things - like retiring debt.