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<p>[QUOTE=&quot;Kasia, post: 1393742, member: 31533&quot;]I don&#039;t have a budget that&#039;s really divided, except I have a bit I&#039;ll spend on various coins and silver bullion coin, as well as some as the mood strikes (like when I was roll searching and decided I had a snowballs chance in a really hot place of getting a 1982 no mintmark dime or a 1995 doubled die cent) so I go and buy the coins I want. I also collect some other coins (and postcards, etc.) that I add to my collection periodically - with no set budget or time to get the items. I mainly use my coin budget, if you will, to purchasing rolls from the bank to search through. What I keep from the roll searching is variable. </p><p><br /></p><p>What I try to do is get an amount just over what I will be spending each month on utility bills, etc. and go roll search with that, then turn in the coins I don&#039;t keep so I can go pay the bills. That way my money does &#039;double duty&#039;. First, to fund my roll searching habit, then second to keep me comfortable in my home.</p><p><br /></p><p>So, say I have to pay 200 for electricity or whatnot. If that&#039;s due by the 20th of the month, and I have the money available to me by the 1st, then between the 1st and about the 15th, I&#039;ll use that to fund my roll searching, then just before I pay the bill, I dump the coins I&#039;ve searched through and won&#039;t keep to get the money to pay that bill. Sometimes before going food shopping, I&#039;ll go to the bank the day before, get 200 in coins, go through them at night, and the next day dump the coins I am not keeping and take that money and do my food shopping. If I have the time and inclination, some months I use up to about a thousand in bill paying money to first go roll searching before that money is used in outlay. Keeps me out of trouble and I occasionally find something nice.&nbsp; Like this year, I&#039;ve found a 1964 Kennedy, a silver quarter from the 40&#039;s, and two silver dimes, among other really nice specimens of US modern coinage. </p><p><br /></p><p>Every so often, I&#039;ll go through my saved coins from roll searching, and whittle it down to keeping only the &#039;best&#039; ones from each year, because I don&#039;t want a huge mass of coins (so the rest go back to the bank). This way, over the last 10 years, I think I&#039;ve gotten a very &#039;fine&#039; collection of US modern coins (mostly the latter quarter of the century, of course), and some errors and varieties. My goal at the end is to have a complete modern collection with the finest uncirculated examples I could pull from circulation.[/QUOTE]</p><p><br /></p>

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