How to Save Up to $3,000 a Year

The Leak: Frequent Trips to the ATM to Withdraw Moderate Amounts of Cash

The fix: On average, consumers withdraw $60 from an ATM four times per month, estimates David Gosnell, an editor at ATM & Debit News. That's about $240 a month in unaccountable spending. "As soon as you turn money into cash, you have no paper trail," warns Deena Katz, a financial planner based in Coral Gables, Florida. Instead, withdraw the exact amount of cash you'll need each week from your bank (to avoid other institutions' $1.50 to $3 ATM transaction fees).
Savings: Vary.