Out of cash and far away from your bank? Instead of getting socked with hefty fees for withdrawing from an ATM not operated by your bank, just pop into a supermarket or big-chain drugstore and buy something inexpensive that you already need—a dozen eggs, a bottle of aspirin—and get cash back with your debit card. "Sometimes I'll be in my local supermarket and buy a 2-liter bottle of soda for $1 and get $50 cash back," says Yeager. "The same store has an ATM that costs about $3.50 a pop, and people actually use it! It blows me away!"