"Chopping change" is a phrase used to describe converting small amounts of money into larger denominations. There are several synonyms that can be used to describe this process, including "breaking bills," "exchanging coins," and "consolidating cash." Other variations include "pooling resources," "combining funds," and "grouping finances." These phrases are often used in the context of budgeting and financial planning, as individuals and organizations seek to maximize their resources and streamline their expenses. Whatever term is used, the goal is the same: to turn spare change or low-value currency into something more useful and valuable.