I first started this site to drum up a little money to help me with my bills. I had somewhat of a contest going that didn’t go anywheres because I didn’t know what I was doing. I still don’t know what I’m doing, but I have a good idea where I want to be now.Instead of me making a million dollars, I want to help YOU save a million dollars collectively. Paying some attention to what I’m going to say next can save you hundreds/thousands of dollars a year.Banks are making a fortune off you.  You get a credit card or loan, they charge you outrageous interest and assorted fees.  Put money into savings accounts or CDs, they pay you, what? - 1/2 - 1 1/2% interest and lend it out at 14% or better.  All the while, cost of living goes up 3-4% a year…the money you are “saving” is worth less than when you “invested” it.What can you do to keep your hard earned money?I’m going to bet that most of you who read this before Feb 2010 has received a letter from their credit card company that said, for no apparent reason, that your interest rate was going up anywheres from 2 to 20% regardless of your “credit score” or your payment history.  I flat out closed three cards when I got that notice.  I now have NO open credit cards and am in the process of paying them down.  Guess what?  After they’re paid off, I’ll have no more interest charges, not a chance of getting hit with a late fee.Go on a cash only program -While I’d admit it is tough to even see the indoctrination that the banking institutes have given us, it’s the only way to go if you want to have some real control over your life.more to come