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Wayne lives on $1065 a month income, but his expenses are $1500 a month. His $125,000 nest egg will have to top up his income and last him for years.

Fees may be just a part of life, but that doesn't mean you have to simply accept them.  Here are 10 fees you can avoid paying with some careful planning or creativity:

If you don't shop at thrift stores, you're missing out on something incredibly rewarding.