Many people save their change at the end of the day. When they get home, they deposit their coins into a jar or a piggy bank or a similar container. Some people roll their change and deposit it into savings every month. Kris and I let our change jars fill completely before we take them in.

But if you really want to see your savings grow, don’t just save your coins — save your one-dollar bills, too. If you come home with two or three dollar bills at the end of most days, it’s easy to accumulate $10/week (about $500/year). Don’t put your dollar bills into a jar, though; use an envelope.

This is an excellent way to fund a secondary savings account. I use my secondary savings for indulgences like my Nintendo Wii or vacations. This is where I deposit spare change, birthday checks, and garage sale money. Any “found money” goes here. I don’t save a fortune this way, but I do save enough to make a couple of fun purchases every year.