Today, I got a cold call from my bank offering a package I once had and cancelled. It’s a special flexible payment card.

They were willing to offer it and deliver it to any place of my preference.

I remember cancelling the package because of the fees, so I asked the cold caller about the fees. They were worse.

I smiled and told her to call me back when the fees are reduced.

If there is one thing my personal finance education has taught me, it is this – Pay attention to fees. They are the small leaks that sink ships.

I am thankful for the small leaks I have closed over the years.