A survey by the National Retail Federation recently reported that consumers expect to rely more this holiday season on cash and debit or check cards, and less on credit cards. 

Using cash is always a great way to control your spending. Debit cards are a reasonable cash substitute, especially when you need to buy very large items and don't want to walk around with a wad of bills. 

But debit-card are not without their pitfalls, such as potentially onerous overdraft fees. Compared with a credit card, this form of purchase also may carry fewer protections. Listen here as Tightwad Tod outlines the risks. Whenever and wherever you shop, it's best to be forewarned.

And if you'd like to share your story of debit-card overdraft fees, go to Consumers Union's advocacy Web site, defendyourdollars.org.