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"In July 2003, we offered readers a chance to make money by telling us the clever ways they save money. We received hundreds of responses. The following advice is a sample from our winners.   First Prize ($250) The lunch club. &amp;quot;Four of us at the office routinely eat together. We all wanted to save money by brown-bagging, but we dreaded the idea of peanut butter sandwiches. None of us felt like we had time every day to pack something better. We decided that if we took turns bringing lunch for all four people, we would have plenty of variety with minimal time in the kitchen. Over the course of the year, we saved about $350 each.&amp;quot; --Sue Dresher, Wichita, KS  Runners-up ($50 each)  Cheap trees. &amp;quot;When you send in $10 to become a member of the National Arbor Day Foundation, you&amp;#039;ll receive 10 complimentary trees. Write to 100 Arbor Avenue, Nebraska City, NE 68410, or visit the Website, www.arborday.org.&amp;quot; --Anna Camp, Atlanta, GA   Lower insurance premiums. &amp;quot;If you rarely drive outside the neighborhood, contact your auto insurance agent and ask about a &amp;#039;recreational use&amp;#039; policy. You could save 10 percent or more on your insurance bill.&amp;quot; --Cindy Kaye Cook, Shawnee, OK   Free seats. &amp;quot;Volunteer as an usher at your local theater so you can see the show for free.&amp;quot; --Marcia McGinnis, New Albany, OH "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.goodhousekeeping.com/life/money/advice/a16773/thrift-tips-0704/>