Find $285 Under the Couch

Empty Out the Junk Drawer: $90

The average U.S. household has $90 in change, according to Coinstar, the most popular service for changing coins into cash, cards and e-gift certificates. Its machines (there are some 19,000 of them in supermarkets and other venues) charge an 8.9 percent fee, but if you opt for a gift card to Starbucks, Amazon, iTunes, Piperlime, Banana Republic or a long list of other retailers who have deals with Coinstar, you don't lose any money at all.

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