Nobody wants nor deserves to feel the struggle of poverty financially or on any other level. Whether today, tomorrow, or any time the opportunity presents itself, this simple spell can bring abundant energy into one's own life and the lives of others. When you encounter a dark, dirty, or otherwise icky-feeling penny, take it to a secluded spot. After ensuring you don't have an audience, spit at the penny, then toss it away from you and declare any variation of the following:
I banish poverty in my life!

Naturally, you can change the wording to say, "______'s life" (insert name) or anything else that comes to mind.

Remember that banishing must conclude with an invocation of the opposite. The final step of the spell is to quickly inhale and see financial abundance entering yourself or the other(s) you have chosen to magickally assist.