How close do you check your bills each month? Do you know which items on each invoice are supposed to be there every month? If you do not pay close attention to your bills you could find that there are many extra charges added on, monies that you shouldn't be paying. Think that all of this really doesn't matter? Think again, as a dollar here and a dollar there can add up and really bust your budget. Please keep reading and we'll take a look at some common budget busting add-ons.

You expect that your phone bill will cost a certain amount each month, but should it? No, you can't escape state and federal taxes and assorted government fees thrown in. However, many of the add-on items you paid for separately could be more costly than the package deal. For example, if you pay for call waiting, caller i.d., or several other features you could end up paying a lot more each month if you are billed separately for these features than if they were included in a package. Opt for the all-inclusive package even if unneeded features are included: the phone company has set it so that the packages are the best deals going.

Your cell phone could become a real money pit. If your plan allows for you to roll over minutes from month-to-month, you could save a bundle especially if your usage fluctuates through the year. Killers to cell phone bill peace are those pesky add-on charges: minute overages, roaming charges, and ring tone downloads can wreak havoc on any budget doubling, even tripling cell phone bills in any given month.

Check out your credit card statement the next time that it arrives. As consumers use their cards more and more, statements are getting longer. Yes, you may glance at your statement every month, but sit down and account for each charge. You could find that an $8 or $9 per month miscellaneous charge from Moscow has been appearing on your bill each month. A little research by you will reveal that this is an ongoing scam; let it go too long and the credit card company will not refund your monies.

Another area of problem for credit card holders are those monthly 'credit monitoring' charges that appear on your bill. Do you really need that feature? Do you even remember signing up for it? If the answers are no and no, then simply contact your credit card provider to delete the charges and to cancel the plan.

Yes, it may not be muchperhaps $15 to $25 per monthbut unwarranted and unnecessary charges can have a way of adding up. Take hold of your finances and check each invoice this month. Who knows, but you could save much needed cash and help put financial problems in check.