How to use a money clip wallet
Sick of carrying a lumpy wallet or purse jammed with cards you don’t even use? The elegant money clip wallet may be an attractive alternative. This accessory can tuck neatly into the breast pocket of a blazer or hide discretely in the side pocket of a pair of trousers. Its slender design, ease of use, and sense of style make it a great choice for carrying your currency. Learn a few easy tips for how to use a money clip wallet
Organizing a Money Clip Wallet
Learn the basics of using a money clip wallet. Once you know how to use them, money clips wallet offer an easy, convenient way to handle your money. If you’ve never used a money clip wallet before, use the instructions below. In broad strokes, the process of using a money clips wallet goes like this:
- Gather your paper bills and credit cards.
- Fold the bills in half.
- Push the bills (folded side first) into the clip. The prongs should hold them there.
- Slide the credit cards under the prong. Some money clips wallet will also have a pocket or band to hold these.
- Put the money clip wallet in your pocket. Some will let you attach the clip to the material of the pocket for easy access.
- When you want to use your money, you can either reach in and grab a bill or pull the whole clip out and go through it.
Stack your bills in order. In the rest of this section, you’ll learn how to use your money clip wallet like a pro. Start by grabbing your paper bills and making a small, neat stack from them. There are two schools of thought in terms of how to order them:
- For convenience, put the bigger bills on the bottom and the smaller bills on the top. This way, when you fold the bills over, it’s easy to pull small bills out of the clip from the middle when you need to make everyday purchases.
- For security, put the smaller bills on the bottom of the stack. This way, you’re advertising your smallest bills — a good idea for discouraging pickpockets.
Slide your cash and cards into your money clip wallet. Slide the folded stack of cash (fold first) into the clip. The pressure from the prongs should keep it in place. If you’re using a plain money clips wallet, slip your cards (ID, credit, and debit card) into the center of your folded cash first. Then, secure the clip around the entire mass (cash and cards).
- If you’re using a money clips wallet with an attached card holder, slip your cards (ID, credit, and debit card) into the card holder. Then, slide your cash into the money clip wallet and fit it securely.
- If you’re using a magnetic money clips wallet, hold your credit cards somewhere else. The magnet can de-magnetize the cards’ magnetic strips over time, ruining them.
- The front pocket of your pants provides easy access, but takes up space you might use for your phone, keys, and so on.
- The rear pocket of your pants can also be convenient, but it makes your clip a little more vulnerable to pick-pockets. Some people experience back pain from carrying things in their rear pockets (though this is worst with bulky wallets).
- The breast pocket of a coat or jacket provides a bit more security, as long as you can remember not to leave the jacket behind.
Picking the Right Clip For You
- These are the simplest but most elegant money clips wallet. They don’t offer as much storage space as other types, but their “classic” design can be quite attractive. High-end models may be made from precious metals or use materials like leather.
Try a money clip wallet with a card holder. This is basically a small, square attached pocket where you can hold your credit cards. Storage size varies from model to model.
- These give you a little more storage than other clips, which is nice if you have more than one or two cards you need to carry around. However, these are also a little bulkier.
The main downside here is that these aren’t good for credit cards. The magnets can damage the card’s magnetic strip and render it unusable over time.
- These are great for holding odd-shaped items. Again, however, this feature makes the clip a little more bulky.
- These offer more storage space and only make the clip a little bulkier. However, carrying money or cards on both sides means you’ll have to let the clip sit in your pocket unless you can slide your clothing fabric between the items and the prong.
Switching from a Wallet to a Money Clip Wallet
- Be ruthless about what you carry over from your wallet. Throw away whatever you have no use for. Remember, the great thing about a money clip wallet is that it’s so slim. Stuffing it full of unnecessary things will negate this.
- Your ID card/driver’s license. Your ID is necessary for many situations from traffic stops to alcohol purchases, and should always be on your person.
- A debit card. Though you may have more than one, choose the debit card you’ll use most often.
- A credit card. As with debit cards, you may have more than one. Choose the one you use most often. You can always rotate out credit cards on a daily, weekly, or monthly basis.
Find better locations for things that were once in your wallet. Seldom-used items that are still important to have (like your library card and items like pictures or mementos) should be kept somewhere besides your money clip wallet. Find new homes for these things in sensible, convenient places.
- For example, your automobile club membership can stay in the glove compartment of your car. Your gym card can stay in your gym bag, and your work access card can stay in your briefcase or bag.
- Don’t forget where you’re storing these items! You may want to carry a single folded-up note to yourself in your money clip wallet until you get the hang of your new arrangement.
Transfer a variety of bills to your clip. The exact amount you decide to carry is up to you, but you should carry a good mixture of bills. By carrying a few bills of each denomination, you can pay for most purchases without adding too much change to your clip. For example, the following combination will let you cover any expense up to $89 without getting more than $1 in change:
- Four $1 bills
- One $5 bill
- One $10 bill
- One $20 bill
- One $50 bill
- Feel free to increase the number of $10, $20, and $50 bills as needed. You probably won’t want to increase the number of $1 or $5 bills — you’ll receive change in these denominations all the time.