it can cost up to $8.95. sometimes they pay for paper statements that people don't even read. you can eliminate those but also if you go to credit unions they don't give you those checking fees. >> this is one you need to check into. >> you are probably paying it and can eliminate that expense. >> number four here on the list. >> number four on the list, we're talking about other things that you can pay for that you can get for free. >> put up the fourth one here for me. we're going to do food last. that's the one a lot of people are certainly interested in. >> this is airline. airlines is the next one. baggage. paying $25 per bags a lot of times going and coming $25. if you upgrade to elite status you don't have to pay that. silver, platinum and gold and do that without accumulating 25,000 miles. check into it and they offer different promos and codes that you can use to upgrade your status as well. >> if people want to eat for free? >> food is a big one. people with kids, people