Saving Cash Advice!

[Dale09]

Saving cash is frequently a great deal less demanding than anybody might suspect it to be. Consider this, what do you do with all your extra change? I know I used to discard mine to different things that I didn't require, just to dispose of it, yet then I acknowledged the extent to which I could spare by essentially discovering a piggy bank and putting away it in there. I recently discharged it out and moved $125 that aggregated in excess of two months. Increase that by 6, and you will spare $750 a year.
Financial planning and saving money has much importance in the life.

Simple answer is to cut down on what you spend your money on, eliminate your unnecessary expenditures and you'll be amazed at how much you save each month. Then you can save up for that one big purchase or even just build your savings account.

[Drake3287]

I'm another that save my change, after a year or so I have a couple of hundred dollars I just use during a vacation for a nice dinner or something else I might not typically purchase. When I was a teenager back in the late 70's I started saving my pennies in one of those large glass water bottles and although I filled that up years ago, I finally cashed in all my pennies recently at one of those coin machines in the super market for a $400.00 Amazon gift card. It was something like 40,000 pennies and of course everyone in the store was amazed at how many I had.

[lbpeninsula]

I use to save the change but now I try as hard as possible to be cash and change free. I pay with almost everything with either my Visa or Amex. I get the points which I can then turn into gift cards or credit and I don't have to handle cash or change which is actually pretty filthy (I'm not OCD) It just literally makes all transactions cleaner. Then transfer from your checking account and pay off the charges as you spend.

[LuckyRobin]

I'm not sure how using a credit card makes anything cleaner? Everyone who uses credit or debit cards touches the slider machine's buttons and the pen to sign with. The majority of people pay that way so that is a lot of people passing their germs around. Cash may be dirty, but I think those machines are dirtier and touched by a lot more people.

Regardless, any method of squirreling away money to help you save it is good. Personally, I save all my change and all my one dollar bills.

[LittleMissSplendid]

Glad I'm not the only one using a good old fashioned piggy bank. I use mine for pennies, but I would like to get one for nickels and another for dimes. Maybe that would keep me from making vending machine runs lol.

[lbpeninsula]

I'm not sure how using a credit card makes anything cleaner? Everyone who uses credit or debit cards touches the slider machine's buttons and the pen to sign with. The majority of people pay that way so that is a lot of people passing their germs around. Cash may be dirty, but I think those machines are dirtier and touched by a lot more people.

Regardless, any method of squirreling away money to help you save it is good. Personally, I save all my change and all my one dollar bills.

From a Time Magazine article about how filthy money is:

All money, it turns out, could stand to be laundered: the stuff is filthy. Studies show that a solid majority of U.S. bills are contaminated by cocaine. Drug traffickers often use coke-sullied hands to move cash, and many users roll bills into sniffing straws; the brushes and rollers in ATMs may distribute the nose candy through the rest of the money supply.

Also found on bills: fecal matter. A 2002 report in the Southern Medical Journal showed found pathogens — including staphylococcus — on 94% of dollar bills tested. Paper money can reportedly carry more germs than a household toilet. And bills are a hospitable environment for gross microbes: viruses and bacteria can live on most surfaces for about 48 hours, but paper money can reportedly transport a live flu virus for up to 17 days. It's enough to make you switch to credit.

[LittleMissSplendid]

Yes it certainly makes sense that you could find all that stuff on money. However those same people using money for those purposes are also not washing their hands. Then they go and touch other things that other people touch and so on. Even people who aren't using money for those purposes don't wash their hands. So isn't it likely that communal surfaces, including card swipe machines, are filthy regardless? I'll admit its rare I touch a doorknob with my bare hands lol.

[LuckyRobin]

Well, true, but I've seen plenty of movies where people are cutting their coke into lines with their credit cards, so...anything you can argue for the dirtiness of money you can argue for the dirtiness of cards, really.

[Green43]

I am more of a reward oriented saver, if I budget $20 a pay period for lunches at work (vs brown bagging it) and have any money left on the next payday it goes in the emergency fund as padding. Works for me.

[chestynuts]

I used old Pringles containers instead of a piggy bank I save all my coins and open it when December comes so I could have extra money to spend for our Christmas dinner. When we go out we just have water instead of ordering soda, juice or wine. Saves a lot of money and definitely much healthy