“Keep The Change”



All great things are only a number of small things that have carefully been collected together.

I am a BIG believer in the philosophy that: every little bit counts. This guiding principle can be relevant to a potpourri of life topics, but today I will be discussing its relationship to the humble coin. I think it can sometimes be easy to overlook the significance of spare change, but those nickels and dimes can really add up. The average U.S. household has about $90 in loose coins lying around the house, according to Coinstar, a prominent company in the coin-counting kiosk business.

If you pooled together your coins instead of tossing them into wishing wells -or perhaps losing them between the sofa seat cushions- it might be possible to eat an extra meal out at a restaurant, or even add cash to your bank account. Here are some tips to consider if you want to make every coin count:

  1. Use a Coin Jar. If your spare change is banished to the bottom of your purse and various locations around your home dwelling, you’re hardly doing yourself any favors. To be able to use your money, you need to know where it is. {Seems simple enough} Set aside a designated “coin jar” or other convenient holding area in your home to collect the steady accumulation of nickels, dimes, pennies, and quarters.
  2. Collect. Make sure to amass the coins that are already hiding in the various recesses of your home. Start with the most obvious spots, such as purses and dresser drawers, and then move on to scavenging the laundry room, junk drawer, inside the automobile, and underneath the sofa seat cushions. Leave no stone unturned.
  3. Exchange Your Coins. You have two main choices when it comes to exchanging your coins: bringing them to the bank, or to a local coin-counting kiosk. The largest difference between the two options is how much of your own money you get to pocket.
    • Bank– Coin exchange policies will vary depending on the bank you do business with. However, most banks will give you a 100% return rate if you relinquish the coins to them pre-sorted and wrapped. You should be able to get coin wrappers of all coin denominations for free from your bank- just ask. Some banks will tally account-holders’ coins for free using various methods. Call or reference your banks’ website to figure out their policies in advance.
    • Coin Kiosk– Coinstar is the nations biggest coin exchanger, with thousands of kiosks at retail locations throughout the United States. Simply locate the Coinstar kiosk nearest you, and dump your coins into the machine. You’ll pay for the convenience (an average of 10.9 percent service fee is applied), however there is no service charge for converting your coins to gift cards, PayPal funds, or charitable donations, as of current.

Even the mighty oak tree was once a small acorn. So remember, keep the change.



Shop Online with Coupon Codes

When shopping online, do not be too brisk at check-out. A few minutes of time could save you anywhere from 15 to 50 percent off your purchase, or score you free shipping.

Most online retailers use what are commonly referred to as “coupon codes”, but can also appear under the guise of “code”, “promo deal”, and “discount code”, among other variations depending upon the retailer. A coupon code is basically a sequence of numbers and/or letters that you enter during your online check-out experience to score discounts and deals. The majority of you have more than likely seen or used a cyber coupon code at some point during your online shopping career. Some retailers advertise coupon codes on their website when they are available. For example, J.Crew is presently running a sale on their webpage, “FREE SHIPPING ON ALL ORDERS WITH CODE FREESHIP”. However, some coupon codes can only be found at coupon sites that partner with retailers to create exclusive online coupons.

Clipped Coupons With Scissors 3

(Photo credit: StockMonkeys.com)

A favorite of mine –Retailmenot.com– has coupons for 130,000 stores, a downloadable iPhone app, and features “Top Coupons of the Day”. RetailMeNot provides you with the expiration date of the coupon code, and the last time it was tested so you know whether or not it is still in working order. Just simply type in the store you are looking to make a purchase from in the search bar, and apply any applicable codes you find during the check-out process on your retailer’s website.

A second option I sometimes employ is typing the phrase “[name of retailer] + coupons” into a trusted search engine. There are a wealth of websites offering exclusive online coupons, so if you have a little extra time, comparing codes can occasionally fetch you different and/or improved deals. Many online retailers do not let you stack coupons, so choose the coupon code that gives you the best discount when comparing options.

If you take the brief time it requires during your future online shopping endeavors to look up possible coupon codes before you check-out, than you can expect to be scoring deals and discounts in no time!