DENVER -- Plugging your money leaks is a lot easier than you think, according to financial ddvisor Amy Gibb.

"All my clients have issues with a little money getting away from them," she said, "I have a client who goes to the ATM a couple times a week."

Frequent trips to the ATM, Gibb said, causes money leaks.

The easy fixes, Gibb said, are to use a debit card, take money out at your own bank, or take more cash out at each visit.

"Take $200 instead of $40, five times. It's easy," said Gibb.

The estimated savings on ATM fees over a year, she said, can be $300 or more.

Paper checks, Gibb points out, also cost a lot of money, as does postage and the time it takes to write out bills.

The money leak here, Gibb said, is waiting for bills to arrive and paying by snail mail.

The easy fix she suggests is paying your bills online or electronically.

There are various auto-payment plans available through banks or the business you’re paying and, Gibb said, you can usually sign up online or over the phone.

"You invest five to 10 minutes to do that and then your done," Gibb said.

The estimated savings by paying bills electronically? Gibb said at least $60 a year.

She said there is a bonus to paying bills that way, avoiding late fees since the money is coming directly out of your account.

Gibb said another little known money leak is carrying too much insurance.

"Rather than getting car insurance where you have $250 deductible, you get a $500 or $1,000 deductible. You may save $400 dollars a year on your car insurance," said Gibb.

Another costly leak Gibb points out is bounced checks.

She suggests getting an overdraft line of credit connected to your checking account.

Gibb has a few other quick tips.

If you need a free credit report, she said do not pay for one. In Colorado people are entitled to one, free credit report each year.

Gibb recommends paying insurance premiums for the year all at once, rather than in increments. She said you can save 10 to 20 percent on your total bill.

Also, do not pay annual credit card fees. Gibb said if you are charged, ask your company to refund the fee.

Finally, Gibb suggests you review your cell phone plan. She even admits, she was over-paying for service.