The boys in Washington may have the plastic companies over a barrel. Seems the credit card companies are worried about new government regulations. So they're easing credit card fees and blowing up the fine print on their card applications, see?

There's a reason that credit card companies have all that "small print" jazz. It's because they don't want you to know that using plastic gets you into trouble. The best credit card company is no card company, baby. Cut up your cards in a New York minute.

If you learn how to make a budget, you don't need credit cards. When you pay off debt, you'll have a lot more dough to work with. And the last time I checked, cash was accepted at more places than sky miles or brownie points. All the more reason to get out of credit card debt, if you ask yours truly.

You'll hear stuff like that all the time on The Dave Ramsey Show. You don't need plastic. Learn about budget living, about living on less than you make, and you'll always have enough dough. Sound good? Then get started!

No fees on my blog, baby ... so add it to yours!