I know it's not particularly healthy, but this tip certainly passes the Lazy Man and saving money test...
Bank of America has a program that called Keep the Change. For the first three months, they'll put the difference between your purchase and the next round dollar into your account. That's a little confusing, but luckily they have a chart that explains it in full detail.
To get your ten cent double cheeseburger, head to almost any McDonald's and order it from the value menu. The charge will be $1, plus tax (5 cents in MA for instance) for a total of $1.05. When you hand over your BoA card, you'll have a debit of $1.05 from McDonalds, but BoA will deposit $0.95 in your account leaving you with a very filling meal for just 10 cents.
Of course this works for anything on the value menu, including their really tasty sundaes.
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