Life events has enough surprises, paying unnecessary fees, high APR’s, and penalties shouldn’t be one of them. Most believers are shocked when they discovered on average how much they spend on fees / interest / penalties annually.
 
ATM fees /Bank fees
Overdraft fees
Credit card fees
Maintenance fees
Interest / late fees /penalties
 
In short, paying high APR, late fees and penalties may be consequences of poor credit / debt habits.
 
In general, poor habits are the consequence of poor information. Poor information brings poor judgement and chooses. Poor choose may be the consequence of paying high APR’s, fees, penalties, etc.
This issue, credit / debt, “Land of the Fees “expose/ focuses on understanding the economic consequences of poor credit / debit chooses and how it can impact us from reaching our Destiny.