Jilly, I paid the monthly bills today. I just wanted to chime in on the Wells Fargo debit card. As I understand it, the banks are looking for any way they can to make money. As if those huge bailouts weren't enough! I think they have realized that people caught on to how dangerous credit cards are to their finances and went to using debit cards. Now the banks figure that's where they can get the money.

I, too, try to stick with paying cash and I am inspired by your frugal lessons. Wouldn't it be lovely to find a way to beat the banks?

Sandra Baublitz, Investing/Home Finance Editor
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