If you are anything like me you have over 100 christmas card to send. (this tear it took me 3 days to write them). so every time I go to the post office to pay a bill I round it up to the nearest 0 or 5 say if it's 48.55 I tell them to give me 1.45 in stamps instead of change. that way when I need a stamp I dont have to go to the post office to get one and also for christmas I don have to spend extra money on stamps. I wont feel a diference when I spend 1.45 but I will fell it if its 100. this year I had about $120 worth of stamps I send my cards and have some left over for the whole year.