27. Look up your credit score: The higher your score, the more you can save in interest on credit cards and loans. Get a free report once a year at annualcreditreport.com, check your score anytime at creditkarma.com and find ways to improve (or maintain) it at myfico.com.
28. Plan your weekly withdrawals: Using an ATM that doesn’t belong to your bank can cost you about $3.75 per transaction—almost $200 a year if you do it once a week. If you’re in a pinch, buy a small item at a drugstore and get cash back.