Snowmen keep their money in their pockets, just like humans do. But since snowmen are made out of snow, their pockets are made out of snow as well. So, when a snowman reaches into his pocket to get his money, he will find a pile of snow, instead of actual money. However, if the snowman wants to make a purchase, he can simply use some of his snow to create the amount of money he needs. In this way, snowmen can use their snow to make purchases, just like humans use their money.