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Spare Change Adds Up

Updated on July 16, 2019

Spare change is everywhere. In our purses, under our car seats, in the couch cushions, and in the parking lot. You might even find it in the washing machine or dryer. Spare change is everywhere.

What does that do for you? It can help you save money and even get you out of debt. How? Because it adds up. A little here and there becomes something much bigger down the road. You never imagined loose chanse could be so powerful!

Goes Unnoticed

Most loose change goes unnoticed. Think of the pennies and dimes you have stepped over and kept on walking. That is one reason spare change is a great way to save money. So many people walk right past it. Kind of like leaving it for you.

Because it is everywhere, we tend to take it for granted. We accept it as part of our lives and forget that it can be valuable. Most unnoticed things are of more value than we attribute to them. The beauty around us gets lost in the day to day activity. The blessings we are given are taken for granted. The small ways to save money go unnoticed because they don't appear before us with a neon sign.

Small is Ignored

We tend to ignore the small things. We like the big stuff. A hundred dollars gets our attention quicker than ten cents. That means we ignore that ten cents and the next ten cents and then the next one. While you wait for that hundred dollars, you are stepping over money that can add up to that hundred or more.

Now I'm not saying that you will find a hundred dollars work of dimes in the next month, but you'll find quite a bit. Also, what have you got to loose? Hoping for a hundred dollars or have thirty in your hand? Which is the best bet?

It's kind of like the tortoise and hare story. You can rush forward looking for the big rewards, but the slow and steady wins the day. Gamble $20 might get you $200, but the odds are that you will only lose the $20. Put that $20 aside and add some loose change, you've got a guarantee of at least $20.

Watch Your Pennies....

There is a very old saying that has been passed around for generations. If you watch your pennies, the dollars will take care of themselves. That means that if you focus on the small change, you'll find yourself with dollars.

If I save the loose change I find, I'll find that I have several dollars saved. My father travelled every week for his job. When he got home each Friday, he dumped the loose change out of his pocket into a bucket. In November each year, my mother would count the change and use it for Christmas presents. It usually added up to a hundred dollars or so. The pennies and dimes were saved and became dollars.

The Next Level

Take that loose change and put it in a jar. Once you got that part down, take it to the next level. Make loose change.

Let's say that you are going to buy an item for $5.25. There is a different brand for $4.99. If they are pretty much the same, buy the lower cost and put $.26 cents in the loose change jar. Make your savings really count and add to all that other loose change.

Decided not to buy that ice cream cone? Take that dollar you would have spent and put in the change jar. Make the wise decisions really count.

What To Do With That Change

Okay, you have a jar with a ton of change in it. You want to know how much. Well, you can spread it out over the bed and count it. Then you have to convert it as most places wouldn't take a hundred dollars or so in loose change. The best thing is to get it counted and converted for you. There are kiosks that will charge you to do that, but most banks that you have an account with will do it for free.

Use that change to pay bills, for Christmas or anything else that you might not have the money for. Gas. Food. New shoes.


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    • dougwest1 profile image

      Doug West 

      2 years ago from Missouri

      Good article. My wife and I have a change jar too. We have saved for all types of items in the past. Even if it doesn't add up to much money in the grand scheme of things, it does help you focus your thoughts on your goal.

    • The Stages Of ME profile image

      Kathy Henderson 

      2 years ago from Pa

      Love this, and we are firm believers of the change jar in our house. It has come in quite handy in a few pinches.


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