[lrjohnson]

I am confused by change savings. I never count it as income. I have not reduced my spending or earned more when I spend 75 cents and have a quarter left. I do almost all my spending with debit cards-no change, but that doesn't mean I have any less savings. My left over quarter is still in my account, it doesn't sit on my dresser for a month. I don't see how that change sitting in a change jar (which I do have, it just fills really slowly) is somehow a boost. I prefer to not get out a new bill. Taking out $40 and depositing $10 is not more smart to me than taking out $30 and having no remainder. I just don't get it. I can see for some folks who are unable to save that the BofA round up thing may help, but other than that, unless it's found money, I continue to remain confused on how it's income.

ETA: I do get a kick out of LuxLiving's change stories, I must admit.