In addition to regularly monitoring your checking account, try to keep a buffer of cash in there to help prevent overdraft charges or even cancel the overdraft feature altogether (although you may run the risk of late fees from billers if you miss a payment due to insufficient funds).

FORBES: Why Traditional Banking Might Go the Way of the Piggy Bank

This leaves consciencous physicians, bent on doing what is best for their suffering patients, to assume the financial risk of providing life-saving care knowing that there will be insufficient payment from the insurer and that their patient may never be able to pay the difference for the drugs administered.

FORBES: If American Doctors Are Going Broke, Who Is Really Responsible?

If your account has insufficient funds to cover the expense, your card payment will be declined.

FORBES: Credit, Debit And Charge: Sizing Up The Cards In Your Wallet