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When money is tight, small expenses add up fast. $3 fees for ATM withdrawals, $12 checking account service charges, and $30 penalties for bounced checks and overdrafts can put a real dent in anyone’s monthly budget. Unfortunately, this situation looks like it’s only getting worse now that recession-weary banks across the country have begun upping their service charges to levels never been seen before. According to a new survey by Bankrate.com, ATM fees are up 16 percent since 2004, bringing the average cost of a non-network ATM withdrawal (i.e. using an ATM at a bank other than your own) to $3.54.&lt;p&gt;By going digital and putting your iPhone to work, you can avoid irritating fees and organize your finances at the same time. After all, if you’re paying a hefty bill for that cell phone plan every month then you might as well use it. &lt;b&gt; [Read more]&lt;/b&gt; &lt;p&gt; &lt;i&gt;&lt;b&gt;--Posted by Stephanie Miles, RecessionWire.com&lt;/b&gt;&lt;/i&gt; &lt;p&gt; The 99-cent iPhone Case &lt;br&gt;Screwed: Possible 20,000 at Pfizer &lt;br&gt;Recession Briefing 10.16: Fido’s Recession &lt;br&gt;

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