A law was passed that I am a huge fan of. Now on your bank accounts, you will be able to choose to opt in or opt out of debit transactions that might potentially make your account go negative. For example, if you had opted out and you went to buy a cup of coffee and you only had $1 in the bank and the coffee was $3, the debit would be declined on the spot. You would not get your coffee. This is great news because that cup of coffee could of turned into a $39 drink!
According to the article I read here, everyone should automatically be opted out. However, you might want to check with your local bank to make sure.
Also if you do ever incur NSF fees, always be polite and ask them to waive them. In the past, they have always been willing to waive one or two of mine. (Thankfully it has been a VERY long time since I went negative in my account.) Also, most banks now allow you to link accounts together. I have all my accounts linked to one another, so if something was to happen it will pull a balance from the other account (a $7.50 charge each time), but it avoids the risk of being overdrawn.
Check out this tip on watching the oops paint shelf to save money when painting your house!
Learn how to save even more money with these Money Saving Tips.