So let say you had the opportunity to live on a boat in the middle of the Pacific for 2 months on and then at home for one month. You had to do this for at least four rotations and you would come away with basically 2 to 3 times what your income is now and obviously you wouldn't have spent money on food or anything like that for the two months at sea, would you do it. Realize you would work 16 hour days and not see land for two months at a time and you would be stuck inside the ship for most of the time also. We aren't talking a cruise ship either. Well would you do it? Again remember you come away with a lot and I mean a lot of money on the other end, but you don't see friends or family for 8 months out of the year.

So if you where wondering if the "Keep the Change" program from Bank of America is something to do, I would say yes. Now I normally keep all my change from cash transactions and then in January I take it all to get counted (At Chevy Chase Bank because they do it for free and have the machine right there). The great thing is I normally come away with something in the order of 200 bucks which is great. Now that I have applied that to my checking account I have seen similar results. In fact I opened the account about a year ago and have seen a savings of $138.79. While most people think it might be a waste of time and they ultimately would spend the money they save, it is just another easy way to tax yourself and save. Remember pay yourself first.