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to the UT  The San Diego Union-Tribune  Small change could add
up to big savings   January 2, 2005  Pennies for a rainy day are
nice, but there are easy ways to save much more that that for a
sunny future.  Glinda Bridgforth and Gail Perry-Mason, authors
of the new book "Girl, Make Your Money Grow!" recommend starting
small. Putting aside even a dollar or two a day will help your
savings grow over time. They recommend that you consider the
following:   Serial savings. Decide that you'll save every $1
bill with a serial number that begins with one of your initials
or has a certain combination of numbers, such as the year in
which were born. Check the serial numbers every time you break a
large bill or receive change.   Windfall collection. Earmark for
savings any financial windfalls you receive – gifts, refunds,
prizes and even change you find on the street. Since you weren't
expecting