I do the same thing with my scrap money, since I do not need it to live on. I probably go to more extremes though. I wait until I have $1000 saved up, then purchase my silver. Any purchases in Texas for precious metals from a thousand dollars and up there are no taxes, so that $86 I would have spent in taxes goes into silver. My purchases have varied from $13 an ounce to $45 an ounce. Have taken a hit on some, but I am in it for the long run. I have purchased 5 & 1 ounce bars, and silver dollar, half, quarter and dime junk silver, just to have a variety. I currently have about $500 face in junk silver and about 100 ounces in bullion. All in a safe deposit box.