banks to charge 3 bucks a month for storing money.

Pay everything with a credit/charge card and then pay that off. Spend on the ccard what you would have on the debit card. Last year my wife and I spent enough on our Amex that they were basically paying us to use it (rewards points, etc) plus fee waived. And I got a perverse pleasure knowing that the vendor was getting hit for 3% on every purchase.
 
Quote from JamesL:

Pay everything with a credit/charge card and then pay that off. Spend on the ccard what you would have on the debit card. Last year my wife and I spent enough on our Amex that they were basically paying us to use it (rewards points, etc) plus fee waived. And I got a perverse pleasure knowing that the vendor was getting hit for 3% on every purchase.
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i take a nice vacation every year thanks to my rewards credit card.
 
Quote from JamesL:

Pay everything with a credit/charge card and then pay that off. Spend on the ccard what you would have on the debit card. Last year my wife and I spent enough on our Amex that they were basically paying us to use it (rewards points, etc) plus fee waived. And I got a perverse pleasure knowing that the vendor was getting hit for 3% on every purchase.
More...

You can negotiate purchase prices with retailers sometimes. Get the card out then ask them for a cash discount..
 
Quote from Eight:

You can negotiate purchase prices with retailers sometimes. Get the card out then ask them for a cash discount..
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Lowes offers 5% off if you use their cc.
 
Quote from efficiency:

When you don't lend, you have to replace interest income with fee income.
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20 years ago maybe. Nowadays, you just morph into a highly leveraged hedge fund with the taxpayer as a backstop.
 
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