Personal Finance and Investing

Marthe48

(21,252 posts)

9. My ATM offers 20s and 5s

Wed Jul 2, 2025, 10:04 PM

Jul 2

I would ask for $215, so I'd have tip money. During the Covid lockdown, getting any small bills and coins was hard. I got in the habit of cashing 20s for purchases under $5, just to get the small bills. I don't mind hanging on to coins. I had a bunch piled up a few years ago and asked my grandkids to wrap it, showed them how. When the were done, I divided it between them. They got over $40 each. I happened to be at their house a few days later when their dad saw the rolls of coins. When he asked the kids about them, they said Grandma had paid them for work. He asked what work, and they said, "Wrapping coins!" The look on Dad's face was priceless. It was a cornball moment and I enjoyed every minute. I haven't saved that much in coins since.
I do all I can to avoid paying fees, especially when I'm paying bills. Businesses must have people up all night trying to figure out ways to gouge another dollar from our pockets!

I read about jugging. I'm watchful by the ATM I use, and I usually just go in the bank to the teller. I'm on high alert as I walk back to the car. I lock the doors as soon as I get in. You don't have a car, hope you don't have to walk too far.

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I have a question about something, please [View all] Marthe48 Jul 2 OP

One explanation is that if you don't have a loan, you do not generate a record of payments question everything Jul 2 #1

I had friends with no credit score Marthe48 Jul 2 #3

That is true for not having any loan. The loan in question, seems to be a personal or maybe auto loan. 3Hotdogs Jul 2 #5

It was a car loan Marthe48 Jul 2 #8

Paying it off, had a more important benefit: You stopped paying money to the car loan company. 3Hotdogs Jul 2 #10

My grandfather once told me that paying interest (or rent).... lastlib Jul 3 #13

I use my credit card for gas Marthe48 Jul 3 #14

more accounts (that are active, paid regularly and on time) stopdiggin Jul 2 #2

It's a labyrinth Marthe48 Jul 2 #4

That is because the company gets to ding the merchant. And better, if you don't pay it at the end of the month, they 3Hotdogs Jul 2 #11

Your credit score is opposite of any common sense. You pay your bills it goes down, you doc03 Jul 2 #6

I have trouble with cash payments - actually I prefer to pay cash, but progree Jul 2 #7

My ATM offers 20s and 5s Marthe48 Jul 2 #9

Me? I go to TD bank on the first or second of the month. I withdraw $50 in 1's, 360 in. 10's and 3Hotdogs Jul 2 #12

You're making the cards work for you Marthe48 Jul 3 #15