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Getty Whether you’re a plan-out-every-expense mover or go the swipe-the-card-ask-questions-later route, the toll that moving takes on your finances always seems to be bigger than you were expecting. Unfortunately, there’s no one culprit to watch out for.

When Robyn Mathis, a 41-year-old food production plant worker from Brunswick, Georgia, stepped off a flight to Philadelphia last June, she expected an easy passage to her destination. She was set t…