A Penny Saved…

I freely admit that I’m one of those old fashioned folks that much prefers to use cash rather than debit or credit cards.

The positive aspects of this are that I have a better idea of how much I’m spending, when it is literally -not just figuratively – coming out of my pocket AND it leaves less of a “paper trail”. My fellow “tin foil hat” brigade will know what I mean…

The negative side of these transactions is that I always have coins in my pockets.

A few years back I decided to turn lemons into lemonade and started saving the coins in a couple jars at the end of each day. Since we’re apartment dwellers, we always need quarters for laundry, so they have their own separate tin. When the jars were full I’d take them to the coin kiosk at the local grocery store and trade them in. Usually I’d walk out with $40-50, nothing to sneeze at.

Well, yesterday was the first “cash out” since pre-Plague. My jar of nickels and dimes had filled up, so I tossed ’em in a little wood box I had and kept going. Then I had to dump into another tin I had, then the jar was nearly full again! Along the way I started a second jar for pennies too…

I dumped all the “silver” into one plastic bag, then all the “copper” into another bag. I weighed the two before heading out and to my surprise, the silver coins weighed in at 17.2 lbs. and the copper coins added another 2.3 lbs. Nearly 20 pounds of coins! Now you see why I don’t like to carry them around in my pockets!

The kiosk takes a cut off the top for the service, I don’t recall off hand what it is, I think is was 12% or something, whatever. I’d rather pay that than buy coin wraps and spend the time sorting, counting and rolling them up myself, THEN taking said rolls to the bank to deposit, but I digress…

Now, granted this was the longest stretch of collecting – by a long shot – due to the Plague, but I walked out the store with $190 in “folding money”, with a little collection of coins to throw back in the jars for the next run!

Not too shabby!

Of course, in reality I just lost a little money with this exchange. But psychologically it feels like I just got a bunch of money for doing nothing but feeding the coins into a machine. Bottom line, I never would have spent the coins as they were, but by flipping them into cash I got the Mrs. and I a nice pizza for dinner last night and threw the rest of it into the emergency “cash on hand” pile.

You DO have an emergency CASH ON HAND collection, don’t you? If not, why not?

If you don’t (and you really, really should!!!), this is a painless way to do it! And did I mention you REALLY should have emergency CASH on hand?

Just my 2 cents…

Thanks for stopping by!

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The Boring Old Man

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