How and with which will you deal?

Bank Accounts:
Make sure you work with a qualified banker that can set up the
“right” kind of account for your type of spending. There are
numerous options specifically designed for people that write a
good number of checks versus those who do not.
Check with your existing bank to ensure you have what you really
need and if they are not willing to work with you, change banks.
In general, credit unions are good options. Their rates are
typically lower and because they are employee owned, you can
find better options.

Organization:
You may be wondering what being organized has to do with
saving money but in reality, it has a lot to do with it. For
example, if you miss a credit card due date by one day, you will
be charged anywhere from a 15% to 25% penalty.
The same would be true for taxes. Missing one simple date can
cost thousands. You need to be organized so you know the exact
dates your bills are due as well as keep all receipts, contracts, etc.
in an orderly manner.

Check Receipts and Statements:
If you were to check your grocery or store receipt, approximately
50% of the time you would find an overcharge. This happens all
the time and in some cases, the charge can be substantial.
The same is true for credit card statements, bank statements,
phone bills, etc. Check the detail because it is quite common to
find errors.
These mistakes can easily be corrected simply by asking and
providing a copy of the receipt or statement.

Overdraft Protection:
Almost everyone has at one point or another had an insufficient
check. Most banks charge $20 per returned check, which if not
careful with your account, can quickly add up to a lot of money.
If you have a savings account, consider adding overdraft
protection onto your checking account so if you ever go into a
negative balance, the money would automatically be covered by
your savings. Most banks offer this service free.

Financial Consulting:
Many financial companies and even churches offer outstanding
classes on how to manage money. While some of these programs
are free, others may have a nominal fee of around $35 to attend
but the money is well spent.
Another great option is consumer-counseling services. This is a
great option for people in over their head with debt. The
counselors will work directly with your creditors to lower your
balances, interest rate, and establish workable payments that you
can afford.