I used to think transaction fees were just 'small change,' but over time, they really add up—hundreds gone in a month. Buying coffee, ordering takeout, all come with extra charges. So annoying. Then I switched up my strategy: for small daily expenses, I use Master—almost zero fees; for big payments like rent or plane tickets, I go with Visa. Using this two-card combo, my expenses dropped significantly. Last month, I did the math and realized I saved a ton compared to before—it's like giving myself a free raise!