The old tag line of ‘keep change’ has been fading away with the years as the world economy worsens with time. The tipping in hotels and other establishments still exist but it is on such a low scale because people want to save as much money as they can.

However, there usually is a tendency of misusing the surplus that comes on a budget. When someone goes shopping and has budgeted for a certain amount, they tend to use the change or the amount they have saved carelessly. You would easily spend the extra few coins on things that you would rather do without.

You need to develop the philosophy of ‘keep change’. You can keep track of the same by noting it down to know exactly what you saved on what purchase. This would help you draw the next budget for your household shopping for instance with a little more precision.

The amount you remain with is actually not change but a saving that could come in handy the next time you go shopping, so you should draw it back to the same account it belonged to. It could also come in handy midway they month when you want to replenish supplies.

So, do not buy extra phone airtime, or an extra bugger because there is a lose amount in your pocket that wouldn’t hurt if you used. Keep the change.