Budgets and Spending

With Christmas coming up it's time to tighten the belts.  I've started again using Mint.com and seeing where our spending is going.  It's incredible how much waste occurs through negligence.  A lot of money could be saved on ATM charges.  The bank fees are insane.  These things could be tightened up with some time and diligence.  Banks and insurance companies are aware of this.  They take advantage that few of us have time time or patience to look into the charges and passively accept them.  Well no more!  I'm looking into switching our bank to a lower cost, no-fee option like PC Financial or a credit union.  Beware creditors - I've got my eye on you!