KEEP A MONEY JAR.
Loose change adds up.
When the jar is full--Bank it. --Christmas club or separate bank account.
Then when a gift is required for birthday, wedding, Christmas and the many others we all have presents to buy.
Then use this separate savings.
If you only have a small amount then that is what you buy, don't try to keep up appearances.
Stay within you means and you will be rewarded.
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