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standard shipping rates. later they have to pay a premium and they are less likely afford that cost. julie: keep your spending tabs on the fly. keep track by using banking tools or your smart phone? you can. a lot of people are paying with cash. they need to know where they are against their balance. a lot of families are out there. one is here and the other is there and drawing on the same account. bank of america has a lot of atms and they will send you an alert when you are meeting a balance threshold. julie: you can earn cash back as well, target, wal-mart and macy s are big ones that offer cash back? this might be the best tip. think ahead, how you buy it. are you trying to earn american express reward points, are you using a bank of america where you are getting 1 percent cash