When I go shopping for anything I wait until the total is rung up before I decide to pay by debit card or pay cash (sometimes I know beforehand). If the amount is rounded up when cash is paid, then I pay by debit because it is an exact amount and I therefore pay less. If it would be rounded down, then I pay cash. This saves me up to .02c every time I purchase....not much but it adds up. Living the Cheapskate way has meant that because I am so conscious of spending now I virtually don't have big issues to worry about. As the old saying goes "Look after the pennies and the pounds look after themselves"....well nearly.
Contributed by Wendy