Accept Change

When the clerk at the store tries to give you pennies for change, accept them. Remember, every penny matters. You want to treat all your money with respect and that should include the money you are tempted to toss in someone's "give one take one" dish. Put your change (including pennies) in your wallet, change purse, or pocket and then use your pennies as soon as possible to turn them into silver.

For example, let's say you get back three pennies on a transaction and you put those in your pocket. Then your next transaction totals $9.92. You might be tempted to pay with a $10 bill, but if you give the bill plus two pennies ($10.02), you will get back a dime. You will have turned those pennies into silver.

And unless you are a big fan of stuffing pennies into paper rolls, or paying someone else to do it for you, be sure each morning to grab any change you dumped from your pockets the night before. If you practice this discipline, you will turn your pennies into silver every day and you will never need to have more than four pennies in your possession.