This week’s topic is about those pesky fees when paying for good and services.

In the digital age with money, there is a 100% chance that you can pay for goods and services electronically. In my case, I pay with a credit card whenever I can so I can get reward points as well as protection that it offers against theft.

However, there are circumstances when a fee is required when charging with a credit card. Typically, this occurs with small businesses when it comes to general contractors, sprinkler installers, landscaping, tree services and the like.

This is also common with medical services when you pay a bill after your visit as well as local and state government regarding items including DMV fees, taxes and business related service needs.

As far as I see it, I am annoyed when credit card merchant fees that companies pay are passed on to the consumer; however, it is their right to do so.

With that being said this always leads us to the concept of budgeting meaning, you are willing to pay a credit card fee because you have no other option.

If so, this is a good reminder to put money aside into your rainy day fund or have slush money set aside especially for the items that are repeated each year.

The bottom is that these fees are small amounts but why give that money away when you don’t have to?

Remember, in most cases, budgeting is not about how much money you have rather, its how you spend it.

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