You have hundreds of them, maybe even thousands - it's money in your pocket, and it's everywhere. Spare change is cash waiting to be exchanged. Do not just toss your spare change anywhere, against the fact that most people find it in pockets of their clothes, on dressers, in drawers, and left at the bottom of backpacks, purses and bags. Each day, take your change and place it in one place, such as a specified change jar. Many people have been using a change jar ever since they were little, and even to this day the practice is still embraced by many. It doesn't necessarily have to be a jar either; it can be a cup, an old cigar box, etc. The point is, don't throw away your change or lose it, for it is valuable money waiting to be exchanged into cash.

Save up all of your change for special savings, an "indulgence" savings. Your change should be a gift to yourself, but you need to be patient with it for it to become a worthy amount of cash.  I would recommend only exchanging your change for cash every half year or year.  Also, it is most necessary that you do not dig back into your change jar to grab a few dollars in quarters here and there.  Even if you need to do laundry, your change in your jar should be considered sacred; don't touch it.

Some banks will only count your change and turn it into cash for a small fee, such as 2% or 5%, or for a minimum of $2 or $5.  However, some banks and most credit unions do exchange change for cash for free for their customers. If you don't want to bother with cashing in your change at a bank, consider bringing your change to a Coinstar machine, located at over 10,000 supermarkets. Coinstar charges 8.9% to sort and count all those coins you saved.  However, it may be worth it.  If you have $30 worth of coins, 8.9 percent is $2.67. By the time you sort, roll and write your name and account number on the wrappers, it's worth the $2.67.  At the rate of paying 8.9%, you may also want to reconsider giving in to the smaller percentage charge at a local bank. Either way, your change can quickly be turned into a good amount of cash. Just think, if you save an average of just $0.30 a day everyday, you will have over a $100 within a year.  You wouldn’t throw away spare bills, so don't throw away your change!