Where the money goes

This is horrifyingly amazing. I'm looking at my finances for the last 3 1/2 months, and found a few surprises:

$56.18 in ATM fees -- charges for withdrawing money in Prague, Germany, France, UK
$12.52 in "Internation Transaction" credit card service charges - 3% fee
$38.51 in fees charged for using my check/debit card in stores
-------
$107.21 spent on nothing.

I'd considered getting a Czech bank account while I was here, but it seemed like too much of a hassle. I mainly only use my debit card on groceries and a few larger items -- the fact that stores here charge an extra fee for using credit cards really starts to add up. I use my credit card for large travel items (paying for hotels killed me here, and of course I won't get reimbursed for that part). When I withdraw money from an ATM, I'm (now) aware that it charges ~$7 in fees each withdrawal, so I try to take out as much money as the machine will let me, at least in Prague.

Thought I was doing this intelligently..... ouch. The scary thing is this could have been much worse. There must be a better way to do this!