Last month, I invited readers of this column to submit their best tips for how to save time and money every day. Your response was amazing. Thanks to every person who sent in tips. You'll be seeing many of them in future columns. We did our best to narrow down the best of the best and to select the best idea based on originality and universal appeal. The winner will receive a one-year membership to Debt-Proof Living Online. Congratulations, J.B.!

TIP OF THE MONTH WINNER. With our busy schedu ...

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