Elakkan simple banking fees

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Often, we do not see petty amounts of money flowing out of our banks. But in this case, we're looking at simple banking fees that contributes to our increasing debts and making us not able to pay for our home loan in Malaysia.

The banks know that us humans, are always reckless -- At least not all the time, but we do. As we understand that humans are not entirely perfect (although you claim you're a perfectionist), they know that one way or the another, there's a way to make money out of your coffers. If you understand the ideology of debt/finance management, eventually you'll notice that you can save up to so much that you can even pay for your mortgages so easily.ATM fees and bounce cheques are always on the high-hit. You know that there's always a possibility of you wasting some Ringgit on the go. Despite our natural ways of planning our money, time and management so well, we tend to fall back to certain services at times.Banking fees are avoidable if you plan ahead. Here are some examples:

1. Cek Tendang - RM10 - 100
2. MEPS (Keluarkan wang dari akaun sendiri bank lain) - RM1.00
3. Pengeluaran wang lebih dari 4 kali sebulan - RM0.50
4. Duit Transfer (Online) - RM2.00
5. Pembayaran secara online - ada percuma, ada kena byr,check dulu bank caj dia
6. Pengunaan Paypal dan transaksi luaran - 3-5% dari jumlah
7. ATM/Credit Card Hilang - RM12