This song is real cool. As far as the meaning goes, I see it like this; this guy is drawn to the narrator (Mandy) but is too afraid to make a move. But Mandy, with nothing but pennies in her pocket, has faith that he will finally make a move (this keeps her warm). She doesn't want to lose faith, because she'd be "broke without it". She wonders what she has to do to get this guy to do something ("how much for your love").
This song is real cool. As far as the meaning goes, I see it like this; this guy is drawn to the narrator (Mandy) but is too afraid to make a move. But Mandy, with nothing but pennies in her pocket, has faith that he will finally make a move (this keeps her warm). She doesn't want to lose faith, because she'd be "broke without it". She wonders what she has to do to get this guy to do something ("how much for your love").