4. Hotel Wi-Fi fees

Paying to use something many coffee shops, airports, and other businesses give you for free seems a bit unreasonable, doesn’t it? Don’t spend your money on these fees you should never pay!

Sometimes joining a hotel’s loyalty program offers free in-room Wi-Fi as a perk. Another option to avoid these fees would be to bring your own Wi-Fi hotspot, although that might imply paying a fee to your phone provider instead.

Keep reading to discover other fees you should never pay!

5. Bank overdraft fees

No. 5 on the list of fees you should never pay are the overdraft fees. People who are living paycheck-to-paycheck are the ones who pay the majority of them. In other words, those who can least afford to pay them. Bank overdraft fees, also known as insufficient fund fees, are a blight, and luckily, some privately owned financial institutions are waiving them.

One way to avoid these fees is to switch banks. Another way is to inform your bank that you’re not interested in paying around $25 every time you don’t have $1—federal law lets you refuse this type of “protection” from banks.

However, keep in mind that opting out automatically means your card will be declined at the register if there isn’t enough money in your account to cover a charge.

6. Foreign transaction fees

Traveling abroad can be fulfilling and exciting, but it can also be a logistical challenge, juggling currencies, transportation schedules, languages, and more.

Credit cards are supposed to solve part of the issue, enabling you to make purchases abroad with the same ease as at home. Unluckily, some credit cards charge extra money to do the same thing in a different location.

This is what’s called a foreign transaction fee, and it can be as much as 3% every time you swipe. The best way to save money and avoid these fees you should never pay is to have a credit card that doesn’t charge them. Fortunately, you’ve got plenty of options.