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Changing your way to savings

A Column by the Editor

web posted March 12, 2007

COLUMN – Syndicated Radio Talk Show Host Neal Boortz touts a savings plan he claims he learned from a snow skier a few years ago, never spend one-dollar bills. That is easy to say and do when you are a millionaire, but what about a “regular Joe” like me? I need those dollar bills. I have been trying a smaller scale version of the plan and it is working quite well.

By the Boortz plan if you break a five, ten, or twenty-dollar bill you take the dollar bills you get in change and squirrel them away during the day and place them in a box or drawer when you get home. I tried that for a week and it was obvious I was not going to be able to continue the plan. Those dollar bills did add up, but my bank account suffered. So I thought about never spending change rather than dollar bills.

This was much easier to do. Each day I never pull any coins from my pocket, even if the total for a purchase may be $2.01 and I have the penny. At the end of the day I put my change in change tubes used to count coins. When the tube of pennies, nickels, dimes, or quarters equals the needed amount for rolled coinage I place a coin wrapper on them and stash the rolls away. 

I started this little savings plan in February and by the end of the month I accumulated eighty-nine dollars in coins. Now, that is not going to buy me a car or a trip to a Colorado ski resort, but it will result in a nice little $1,000 or more to have for vacation.

By no means is this to replace a 401K or savings account. It is just a way to put back a little something extra. Give it a try; you will be surprised how quick the change adds up.

It is cheaper than lottery tickets and you win every time.

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