Brain Teaser - Can you find an explanation as simple as the answer.

It is getting warm and school is almost out and nobody wants to think too hard about math, so here is one with a simple answer. All you have to do is find an explanation that is equally simple.

You go to purchase something that costs so many dollars and so many cents. Suppose that you have enough money in coins to cover the cents part. How much more money in coins will you end up with if you pay only with paper than if you use the coins to to cover the cents part of the price?

Once you figure out what I am talking about, you will see by an example or two that the answer is very easy to express. An easy answer should have an easy explanation. Your challenge is to some up with an explanation understandable by someone who knows no algebra.