How to send money abroad without bank transfer charges?

Imagine the feeling? You just got your paycheck, and the first thing you want to do is send money online back home to your family. You go to the bank, fill out the forms, and feel a sense of pride and relief knowing you're providing for the people you love. But then you see the receipt—a chunk of your hard-earned money gone to "transfer fees" and "exchange rate commissions." It feels like a p...