You choose your bank for many reasons: friendliness, proximity to your home, best interest rates or ATM locations. But the last place you want to waste your money is at the bank.
How do you minimize fees that are charged to you which, over the year, can add up to hundreds of dollars?
Start with the ATMs you use. Know which one you can use for free. Those are generally the ones that belong to your own financial institution. But your bank might also be part of a larger, no-fee ATM network. Visit your bank's website to search for its ATMs.
If you cannot use a fee-free ATM in your bank's network, know that fees can vary. By law, the fee that the operator charges must be displayed on the screen.
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Guard against overdraft fees, which can be costly. Overdrafts occur if you withdraw more money than you have available in your account or if the new balance in your account won't be enough to cover a future, prearranged withdrawal. Avoid overdrafts by keeping an up-to-date record of your account balance.
My bank texts me when my account goes below $500. Talk to a bank representative to see what new features can be helpful to you.
■ A Happy Howl-o-Ween party will be held at the Pet Supermarket, 150 West Lowry Lane, Suite 180, 9 a.m. to 9 p.m. Saturday. The free events will have treat give-aways, a pet costume contest and a drawing to win free pet food for a year.
■ On Halloween Day, go to Krispy Kreme wearing a costume and get a free doughnut. No purchase necessary.
■ Go to Halloweencandybuyback.com and enter your ZIP code to find a dentist in your area who will buy back your Halloween candy. The candy is sent to troops overseas.
■ Baskin-Robbins offering $1.31 scoops all day on Oct. 31. Baskinrobbins.calreply.net/celebrate31.
■ Kids 12 and younger can get a scary-face pancake at International House of Pancakes between 7 a.m. and 10 p.m. Oct. 30 at participating locations. One scary-face pancake per child. Dine in only.
■ Bring the kids to trick or treat along the Village Road at Shaker Village of Pleasant Hill, 3501 Lexington, Road, Harrodsburg, after 5 p.m. Oct. 23 and 24 for $5. Pose for a selfie for the social media costume contest, take a hayride or spirit stroll, play on the hay caterpillar and more. Shakervillageky.org.
■ A Spooky Treasure and Rotten Egg Hunt kid-friendly event will take place at the Headley-Whitney Museum at 1 p.m. Oct. 24. Participants will decorate their own treat bags and make spider lollipops. Costumes are encouraged, and prizes will be awarded. Online registration is $10/child $15 at the door. Go to Headley-whitney.org or call (859) 255-6653.
■ Fayette Mall is inviting kids dressed in costume for mall-wide trick or treating from 6-8 p.m., Oct. 29. Children up to the age of 12 must be in costume and accompanied by an adult.
■ Take a stroll at Salato Wildlife Education Center, 1 Sportsman Lane, Frankfort, for a Halloween Walk with Animals for $5. It's from noon to 5 p.m. Oct. 31. Go to FW.ky.gov/Education/Documents/2015walkwithanimals.pdf.
■ Kids ages 3 and older can participate in Trick or Treat Story Time, 11 a.m. Oct. 31 at Joseph Beth Bookstore, 161 Lexington Green Circle. Wear a Halloween costume for spooky stories and trick or treat around the store. Josephbeth.com.
■ Through Oct. 25, get a free 8-by-11 wall calendar (a $24.99 value) when you enter the promotional code FREE40 at checkout (or grab a 12-month 12-by-12 wall calendar for $4.99 with the code FREE40) at Shutterfly. You will have to pay shipping. Shutterfly.com/calendars.
■ Through Nov. 1, Snapfish is offering up a free set of six 5-by-7 stationery flat cards and $3 off standard shipping when you enter the promotional code CARDSTRIAL at checkout. You will have to pay the rest of the shipping fee. Snapfish.com.
■ Looking for an inexpensive breakfast idea? Through 10 a.m. Oct. 27, Whole Foods is offering a small oatmeal for 25 cents. Selection may vary by store.
■ Babies R Us is hosting a registry party at 11 a.m. Oct. 24. Learn how to create and update your registry and stay for games, giveaways and raffles. bit.ly/1oxNi42.
■ Target REDcard holders can get a free reusable bag at the store's guest services. Just show your card. While supplies last.
■ Bluegrass Community and Technical College will have a family-friendly event starting at 11 a.m. Oct. 24 for attendees to learn about BCTC programs at BCTC's Newtown Campus, 500 Newtown Pike. For more information, call (859) 246-6507.
■ Great Clips is giving military — active, inactive or retired — members of any branch a free haircut. Go to a Great Clips salon on Nov. 11 and get a free haircut or pick up a card for a free haircut through Dec. 31. Proof of service might be required.