On Saturday, I went to pick my son up from the Woodside Farm Creamery, in Hockessin, DE. When I got there the meeting he was attending was over but I wanted to get one of their famous ice cream cones. We got in line because my son wanted to buy a pint of ice cream with his own money. They only take cash and I had $14 in the envelope that I carried. When it came our turn, I realized only had $4. Our two cones were $5 and change. My son gave me his $5 and we paid for our cones. I went to the ATM that they have there and took out $20 so I could reimburse him and he could pay for his pint.
There it is! It cost me $2.65 or so for the cone and $2 in the fee that the ATM charges. Plus my bank charges me $1.50 for using other ATM machines. My ice cream cone cost $6! I felt like kicking myself. I hardly ever use ATM machines and when I do, I try to make sure that I use my bank’s machines where I am not charged a fee.
Bank fees add up. If you use the ATM at various places instead of your bank, chances are that you are paying far too much for this privilege. Some ways to avoid the ATM fees are:
Use the envelope system to store and use your cash. Remember to bring the envelopes you need with you.
Carry emergency cash in your wallet or purse for just such emergencies.
If you can, use your bank card as a debit card.
Next time I go to Woodside Farm Creamery, you can be sure that I will make sure I have lots of cash.
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