ATMs: I remembered to tell my bank I would be in Germany; so so far my card is working, but I forgot to check the daily withdrawal limit. I usually have them up it to $500, but I forgot to this time. I haven't been able to get more than 300€. As we go through about 150€ a day, it means I have to go to the ATM every other day. Fortunately, the credit union only charges $1 per withdrawal (plus 1%).
Two days ago I used the ATM at the bank on the Hauptstrasse in Lohr, and they gave me 300€, 150€ in 50s and the other 150€ in smaller bills. Today, the same machine gave it to me all in 50s. Go figure. Maybe they were out of smaller bills.
Only once has an ATM given me 100€ notes. The rest of the time it's been 100€ in small bills, the rest in 50s.
Traffic: Lohr is a small town, but there is a constant flow of traffic on the main streets. There are very few signals in town, but a lot of traffic circles, and I am amazed at how well the traffic moves around the circles. Everyone seems to be considerate and cars merge seamlessly.
Shopping: I'm not so sure I am saving that much money with a 35€/nt Ferienwohnung. So far I think I've been spending about 30€ a day at the grocery store(s). Rolls are cheap; a Kaiser roll cost 15 cent at the store, enough meat or cheese for 3 or 4 day costs 99 cent, 500 gm (1.1 lb) of coffee was 6€. Hopefully it will last for our whole time here. If not we will have to buy another half kilo before we go and leave most of it here. Even so, breakfast can't be costing us more than a few euro per night, each.
What would be a big expense if we were in the US would be wine. Even when we were staying in a hotel or gasthaus, without a kitchen, we would pick up a bottle of wine in the grocery store to enjoy it in the evening in our room. In Lindau our room had a balcony in the back of the building, very sheltered, shielded by grape vines, where we would sit out on the warm evenings. Wine is not taxed, or at least not as heavily as in the US. I just picked up two 750ml bottles of pretty good Riesling at the grocery store for 1.79€ each. (I think I want to become a wino and retire to Germany.)
I bought a 4.4 oz cream cheese log with with bell pepper and onion flakes on the outside to go with our crackers at wine time, 99 cent. I really think groceries are cheaper here. I think beef is more expensive than pork here, but I looked in the meat cabinet at the store at boneless rib steaks and they were 19.99€/kg. At $1.18/€, today, that's about $11.75/lb. Rib steak is more than that in Denver.
Money: When I first went to Europe, I had trouble with accumulating coins, beginning with Mark, later with euro. Coins were unfamiliar to me and the numbers were not easy to see, whereas the bill had nice big numbers I could see, so I tended to give people bills and end up with pounds of coins in my pocket. I finally figured out to hold the coins in my palm, like in a coin roll, and look at the edges. The one and two euro have milling on the edge, continuous on the two, intermittent for the one. The 10, 20, and 50 cent brass coins have bigger notches, the same, continuous ones on the 10 and 50, but the size difference is noticeable; there's only a few notches on the 20. And the 1, 2, and 5 cent copper coins are smooth on the 1 and 5 edges, but the sizes are very different; the 2 has a circumferential groove.
For train and bus tickets, at least in Germany, prices are always rounded to ten cent, so most of the time I never get copper coins. I got pretty good at recognizing the other coins and not letting them piling up. Now that I am staying in a Ferienwohnung and shopping at the grocery stores, my total bill comes to the cent, so copper coins started to pile up, but after three days it was still only 25 cent, and I bought a "twelver ticket" for the bus for 12,25€, so I got rid of all 25 cent at once.