Change is good; especially downtown

Always carry some change with you in your car. You may need it for a parking meter (see photo), parking garage, emergency phone call, or last minute refreshment.

Answer your cellphone without causing a multi-car pileup

First, let me say that I generally feel that using a cellphone while driving is a bad idea. Any distraction, no matter how minor, can be fatal at highway speeds.

With that being said, here's a tip for more safely and quickly answering your cellphone while driving. Before getting into your vehicle, take your phone off your belt, out of your pocket or purse and place it into a shirt pocket, a cupholder or somewhere safe on your car's console.

When the phone rings now you can answer it without having to squirm around in your seat, remove a seat belt, or look into a purse.

Now, hang up and drive.

Don't lock your car keys inside your vehicle. Hook them on your pinky finger.

There's hardly a time waster worse than locking your keys inside your vehicle. You'll either have to wait for a loved one or a friend to bring you a spare key, or pay a locksmith to open your locked door.

When exiting your vehicle, simply hook your keyring on you pinky finger and clench your fist. Do not open the door until the ring is secured on your finger. Before shutting your door, give your fist a squeeze and consciously feel the ring on your finger.

Do this every time and you'll never be locked out of your car again.