You know all of those times you needed money, but couldn't quite reach your native bank to make the withdrawal? Well, every time you use a foreign ATM you're charged between $1.50 and $2.00 per transaction. Everybody knows this, and yet, everybody does it. Unfortunately, if you make such a thing a habit, it could cost you an average of $20 a month, which adds up exponentially over the course of a year.

Approximate Savings: $240 annually