Penny was a hard working, conscientious girl, who lived on her own. Her dream in life was to go on an ocean cruise around the world. So she scrimped, and she saved, and she saved, and she scrimped until finally, one day, she had enough money to go on her ocean cruise.
She booked passage on a cruise liner -- first class all the way. The cruise started off in a grandiose scale, dancing and parties every night. But Penny was a cautious girl, so she never drank, but just danced the night away. One night, after they had been at sea for a week, Penny was walking back to her cabin, when the heel on her left shoe broke throwing her off balance. If that wasn't enough, the ship chose that moment to tilt to the left. As a result, Penny was thrown overboard. A hue and a cry were immediately raised, and after about five minutes they found Penny. Hauling her aboard, the ship's crew realized that it was too late, poor Penny was dead.
Normally, they would have done a burial at sea, but as I said before, Penny was a very conscientious girl, and had written a will. In it, she specified that she wished for her body to be cremated, and kept in a jar on her parent's fireplace mantel. Her wishes were fulfilled, which just goes to show you that a Penny saved is a Penny urned.