You know what I do? Although it's harder now because I use my credit card a ton more, but I don't spend change. The change I accumulate each day goes into the bank. And I never miss it. So if I buy lunch at McDonalds and it costs $5.25, then $.75 goes into the bank. Last year we were able to put $300 into our long-term savings account just from the change we didn't spend.