Things you shouldn’t pay for.

J. Money from Budgets Are Sexy shared a frugal tip from a reader who needed $1 to get something notarized. The place accepted only cash and the reader had zero money,  “not even change in my cupholders.” Paying a $3 ATM fee for a $1 errand was just too irritating to contemplate.

The solution: Hit the drugstore for an 89-cent soda and a $20 cashback.

This is how I get all my walking-around money. I don’t like waiting in bank lines. I like ATMs even less, because I’m paranoid about muggers or card skimmers.

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Filthy lucre.

The most-read piece I ever wrote for the Smart Spending blog was an essay called “See a penny? Pick it up!” Before MSN Money switched blog platforms, the article had received more than 1.6 million hits.

The comments were also numerous, and about evenly split: People who also happily gleaned change and people who thought the idea was unbelievably disgusting. Pick up dirty, germy, dog-peed-upon coins? Eeeeewwww.

I’m fully aware that found money isn’t clean. But it’s not as though I carry it home in my mouth.

Besides: I hate to break it to those folks, but the bills and specie they get from banks and stores are probably just as revolting.

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Can’t control your finances? Get yourself a coach.

Not a counselor — a coach. That’s the subject of my latest “Living With Less” personal finance column, now up over at MSN Money. “Find a personal money coach, free” explains how you can work to make your finances match your dreams. Generally speaking, counseling is about an issue and coaching is about an individual. … Read more