Don't get caught in a cycle of unnecessary overdraft fees, credit card interest and high-cost loans. A few simple tools can help you hold onto those hard-earned dollars.Here's what to remember:- Automation is your friend. Set your bills on autopay. - Overdraft protection is deceptive. Link your checking account to a savings account to avoid overdraft fees.- Set up a buffer savings account with automatic deposits. - Don't use credit cards for emergency spending.- If you do have an emergency, try asking your employer for your already-earned wages. - Balance transfer checks can help with high-interest debt, but read the fine print.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

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“What did the council decide on item 42?” — answered with the speaker and the moment.