Brain Teaser - Can you explain how this works without using algebra?

This is a simple problem that you can solve by just trying an example or two. You are making a purchase in a store and you have enough change to cover the cents portion of the bill. How much more change will you end up with if you pay only using paper than if you used your change?

Now that you have figured out the answer, tell why it is true. Give an explanation comprehensible by a twelve year old. No algebra allowed.