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Processing fees. Service fees. Hidden fees. It feels like most companies and services these days have found countless ways to sneakily squeeze money out of me. Even when its only a few dollars here and there, its the principle of the thing: Why am I being charged in the first place? What can I do to circumvent these fees and save my hard-earned money? Here are some of the most common fees that have been infuriating me lately, and what you can do to avoid paying them.Concert service feesIf youve tried to buy a concert ticket in recent history, youve been slapped with a shocking string of processing, commission, or transaction fees. From secondary sellers like StubHub and Vivid Seats, to primary sellers like Ticketmaster, AXS, and SeatGeek, these fees are built into the modern business model of ticketing live events. Of course, that doesnt mean we have to sit back and take it. Ticketmaster in particular has been hit with multiple class-action lawsuits for the companys lack of transparency.How to avoid them: First, check out discount and no-fee ticket sites like TickPick or Goldstar.com. Unfortunately, theres only one guaranteed way to avoid concert service fees: Contact the box office to look into about buying your tickets in person. Sure, its old school (and might prove tricky for in-demand shows), but its a surefire way to avoid the convenience fee that comes with online transactions.Airbnb feesNext to the cost of concert tickets, Airbnb has gained notoriety for its bullshit fees. I've found the growing consensus is that Airbnb simply isnt worth its exorbitant service fees. I'll never forget a few years back, there was a viral tweet with a screenshot of a $99/night listing that ended up totaling $413.95 for two nights after fees and taxes were added at checkout.How to avoid them: After you find a listing on Airbnb, try searching for the property description on other sites for offerings that dont come with Airbnbs fees. You can also reach out to the host directly and see if they would be interested in conducting business outside of Airbnb in order to avoid fees. For instance, you could arrange to book the property for just one night through Airbnb, and pay for additional nights in person. Theres certainly some risk involved here, but considering how much of a cut Airbnb takes from hosts, you might be able to strike a win-win deal.Seat selection and airline feesOf all the bullshit airline fees these days, seat selection might be the shadiest. Paying an additional $20 for my seat? Isnt that what the ticket is paying for in the first place? During the booking process, its not always clear that the seat selection fee is completely avoidable.How to avoid them: When the option pops up to select a seat on your flight, simply skip past this screen. The skip button may be hidden, but its there. The airline will automatically assign you a seat for no extra charge. If where you sit is still a concern for you, you can request specific seats if you politely ask the gate agent when you arrive at the airport. For more information, heres our guide to avoiding seat selection fees.ATM feesWhen you need cash fast, ATM fees are tough to avoid. Its utter crap to be charged three dollars to access my own money, but, alas, the big banks dont seem to be listening to my ramblings.How to avoid them: Ideally you can find an ATM owned by the bank you use so it doesnt cost you to withdraw your money. Otherwise, consider moving your money to a bank that refunds these fees. Another tactic is to take steps to have fee-free cash on hand by using the cash back option when you grocery shop. Personally, I always take out a ten or a twenty on top of my groceries, and I rarely have to resort to finding an ATM when I need cash.Car dealership feesIf theres someone you can trust to be honest and no-bullshit, its a car salesman, right? From advertising fees, delivery fees, undercoating feesits easy to get lost in all the additional charges that get tacked on at a car dealership.How to avoid them: When you buy a new car, youll be able to see a factory invoice. Any charges listed there are, unfortunately, legitimate. However, if the dealership charges you a fee that doesnt appear on the factory invoice, you can avoid paying it. Getting rid of these fees is often as simple as asking the dealer to strike them. Somehow, questioning their legitimacy seems to make them all but disappear.Gym initiation feesWhen you join a new gym, your first bill might come with an initiation fee. This sucks, and you should try to get out of it.How to avoid them: Similar to our tip with the car dealership, you should simply ask the gym to waive the fee. Bonus points if you express doubts about your membership, or even make it a condition of signing up for a yearly membership. The gym wants to keep you as a customer, so theyll be more likely to waive one fee in order to hold on to you.Credit reportsMake a habit of checking your free credit score from sites like Credit Karma or Experian. What you shouldnt make a habit of is paying a fee for a credit report literally ever, since this likely means youre falling for a scam.How to avoid them: Head to AnnualCreditReport.com and check your credit health for free. Some banks and credit card companies also offer free credit reports as part of having an account with them.Overdraft feesOverdraft protection sounds like a positive thing to stop you from taking out more money than you have in your account. However, when the bank offers overdraft protection, they charge quite the fee for it. You accidentally overdrawing your account by a few cents could turn into an outrageous $50 charge.How to avoid them: An alternative to your banks overdraft protection is to link your savings account to your checking account. This way, any overdrafts get pulled from your own funds. If this isnt possible at your bank, at least set up low-balance alerts so you avoid overdrafts altogether.Bank statement feesA paper bank statement can come with a wild $2 or $3 monthly fee. Those dollars add up, and for no reason other than, what, receiving mail?How to avoid them: Go paperless. Its as simple as checking a box in your account settings. Good for the environment, and good for your wallet.Online shipping feesAs much as I'd like to support in-person brick and mortar stores, sometimes Amazon one-day shipping is the only option I have. And with shipping costs these days, I know I'm guilty of buying more products just to qualify for free shippingthe classic "spend to save" trap. How to avoid them: Always consolidate orders to avoid multiple shipping charges. Compare shipping rates across multiple retailers before purchasing, and sign up for free shipping programs like Amazon Prime or Walmart+. Plus, you can go for good old-fashioned store pickup options when available.
