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.

Are you cheap or frugal

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I'm a frugal person and I'm proud to be one. I value the quality of everything that I buy because money doesn't grow on trees, right? I make sure that I set aside a portion of what I earn every month. Sometimes I put it in my savings account and sometimes add it to my stock market investment.

Every time I go grocery shopping, I bring a list of things that I need and don't just grab anything that I fancy from the shelves. I compare the price and quality of different brands. I don't exactly buy the cheapest and not the most expensive either. Expensive doesn't necessarily mean the best and cheap doesn't necessarily mean the best value.

So I'm frugal but I'm not cheap. Like for clothes, appliances or furnitures, I don't go for the brand but I go for the quality. If for example I buy audio racks, I won't buy the cheapest if it looks like it's made of low quality material. If it's the most expensive but looks like it's worth the price, that's what I'll buy. I prefer buying expensive clothes because it lasts longer than cheap clothes made with cheap material.