The rules are simple. Everytime you chance upon the denomination of choice, set it aside and keep them. By then end of the year, count it up and use it for whatever you desire - a simple family dinner or outing, to a full-blown vacation, presents for each member of the family, etc.
Why RM20 and RM5 did you ask? I hardly get them. As change, I mean. If I had opted for RM50, that would automatically rule out cash withdrawals from ATM. hihihihi. Not saving RM1 either, because that is the denomination used for the kids' school allowance.
Started to collect 50sen as well as I wanted the kids to be part of this as well. A friend of mine was just relating her own experience on saving 50sen coin - she got about RM573 at the end of the year. Pretty impressive, right?
So, yeah. We are hopeful. Wanted to start this good habit of saving and hopefully nurture my kids to do the same. Why don't you jump on the bandwagon too?
-dillz blogging out-