ave your Way Sometimes on my way to work in the morning, I encounter a man in his late 60s walking his dog down the lane. He looks for empty pop cans or beer bottles in the blue recycling boxes behind cach housc. Now, to any urban dweller this doesn’t sound particularly creative. We sec it all the time. . But it’s what he’s doing with the moncy he gets from the cans and bottles he collects that shows a bit of flair. He told me he retired about four years ago and found himself with morc time to do things like walking the dog. He saw a wasted opportu- nity in the cans and bottles peoplc were putting in their recycling boxes and started collecting them. He puts the moncy he makes into a savings account for his grand daughter who was born about the same time he retired. The account now holds close to $2,000 and, in 14 years when his grand- daughter graduates from high school, he hopes to be able to provide her with at least $5,000 and opefully as much as $10,000 toward the cost of her first year in university from the “recycling” account alone. The example above isn’t just about a man who has found an easy way to save, it’s also about a lot of people who are virtually throwing away money they could be saving. Even small amounts add up over time. At the end of each day, I empty the coins from my pockets into a mug at home. Every few months 1 deposit the coins into my sav- i count. With the recent introduction of the two-doHar coin, I'm seeing my mug savings increase dra- matically. have in coins (it docsn’t take that long to accumu- late that much change), I add that to our investment pro- gram. Other more com- mon ways to save range from cucting back on the numer of times you cat out, to the important step of paying off your