11. AVOID FEES Find out what fees your credit union or bank charge, and how they assess them, and then make plans to avoid paying them. It could be as easy as setting up electronic deposit of your paycheck to avoid a monthly fee, downloading an app to locate the closest credit union branch to avoid ATM fees, or linking your checking account to your savings account to avoid overdraft fees. 12. WIN IN THE MARGINS Another great way to find money for a summer vacation is to find ways to trim the money that you’re currently spending. Helen Troncoso suggests,”Making your own coffee and bringing your own lunch. I did that and was surprised at how much I saved. Plus making your own lunch is healthier,” Most websites say that making your own lunch can save you between $1 and $5 every day. Even going with the low estimate you’d save $20 a month and that comes to $240 a year. That sounds pretty good, but $20 a month may not get you to your summer vacation. Rita Nisa says, “Stop eating out so much. I did that for a month and I saved money! You don’t have to cut it out completely, but instead of eating out every week, eat out once or twice a month.” According to online consumer-spending guide Bundle, the average American family spends $232 a month eating out.