Be warned!

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Have you ever been in this situation?

Cashier: "Ma'am / Sir, we ran out of 5 cents (or 10/25 etc). Is it ok if your change is 5 cents short?"

Or worse, the cashier short-change you without even informing you that they ran out of coins? Why do they ran out of coins even in the morning when store just opened?

There was this one time when everyone ahead of me in the counter was short-changed. Imagine how much grocery stores "steal" every single day? Yes it's outright stealing because for the longest time that they've been in operation, they should have already “mastered” how many coins they need to have in their cash register each day to be able to give the exact change to all their customers.

Last time I bought a silver jewelry, I was ready to contra-battle their trick. I will never allow them to steal from me, I now bring 5, 10 and 25 coins in my coin purse. I'm a smart shopper, you should be one too.

do you have enough?

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Are you confident that you have enough in case of "rainy days" in your life? Scared now because all you do is spend, spend and spend? Not buying what we want and what we need is definitely not the answer. We should buy what we need, especially what our children needs. We should also buy what we want once in a while. But we have to be smart on how and what we spend our hard-earned money on.

Here are some ways on how we can buy what we want and need without spending a lot. Cut out grocery items from coupons. Buy clothes, books and other stuffs that are on sale. Look out for garage sales.

The money that we saved can then be used on "rainy days".