NEW YORK (MainStreet) — Groundhog Day is one of the least serious holidays in American culture, but use the opportunity to be inspired by the underground rodent to find a unique ways to stash cash for that rainy day.

Coin Collector

This is an oldie but goodie technique: take an empty jar and collect all of your extra coin throughout the year and cash it out every quarter. Use the canned currency to pay a bill, like a utility bill, since it should amount to about $40 to $75 every quarter.

Groundhog Genius: If you need the cash, cash in your coins every week, and use the extra money to fill up your gas tank.

Can Collector

Use recycling as a way to help your environment and supplement your income by integrating a recycling schedule from public places. Stop by local parks and schools twice a week to pick up aluminum, glass and plastic for recycling. Recycle your findings twice a month and use the extra cash to pay utility bills or credit cards.

Groundhog Genius: Up your collections to three or four times a week and expect pull-in up to $500 per month.

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Separate the Singles

Take all of your one dollar bills and put them in a plastic jar for a month. Take the extra dollar bills on the first and the fifteenth of each month to pay bills.

Groundhog Genius: Use the extra dollar bills to put gas in your car twice per month. Hopefully the amount saved equals your gas budget for the ultimate savings technique.

Jewelry Joy

Spend an afternoon going through that old jewelry box and look for rings, necklaces, chains and earrings to trade in. Many metal prices are at or near all-time highs, so cash in on the bull market now. Gold, in particular, is a valuable commodity to trade in right now.

Groundhog Genius: Shop around to get the best trade-in values in your city call at least five to ten pawnshops or jewelry stores to ensure that you are getting the best value.

--Written for MainStreet by Rodric J. Hurdle-Bradford, a freelance writer based out of Scottsdale, Ariz. He covers casino gaming, personal finance and real estate topics for several publications. He can be reached at