I come form a middle-class family of 7 people. We know what penny-pinching is, but the best thing I ever did was save my change. I opened up a savings account specifically for it. Since I vowed to never take it out, it can only build.
My freak-out moment was when a check bounced. It was my financial low and I desperately needed to keep my head above water. My customers always tell me that "every penny counts"...well, I decided to prove it. I went from ~ $36 to ~$532 in two years - in change ONLY.