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Pennies are produced and put into circulation, but people are not saving them and exchanging them for dollars, and they don't spend them again. They are constantly being produced and lost. Maybe in the 1960s people felt the need to gather their pennies for reuse but not today.
I guess. It all depends on whether or not you can afford to igonore pennies.
If I can not have to break down a dollar bill by fishing 54 cents - two quarters and 4 pennies out of my change purse, I'll do it.
I've found that it's when people break bigger bills down, that smaller notes tend to disappear faster.
This is what the term "nickel and diming" is about.. It's getting you to give up more money in total by taking smaller amounts more often.
It is a thing that's real.
The flip-side of that is what happens with getting paid daily, weekly, bi-weekly and monthly. It's the day labor that ends up constantly skint, because they weren't dealing with large whole number balances. Even getting paid weekly, I was saving less than when I went to every two weeks. Now that I'm self-employed, I choose when to bill, and I do so monthly. Get BIG checks and sink it all straight into savings. Because I am paid every 4 weeks, I have to change how I spend and spend less and save more. LOTS more.
Pennies count at that point. Critically.
I've yet to earn more than 35k in a year - (and that was years ago) - and the biggest thing is havng a balance and seeing that numnber in the savings account rise. I have found that sticking to large lump sums - psychologicaly, you want to hold onto it more and it does change how you aproach savings and money in general.
I can take a couple hundred dollar bills and slip them into a book on the shelf and they'll sit there for months before I dig them out. I can try the same thing with 5 20 dollar bills and they're usually gone within a week.