Enter to win a $250 cash prize when you send PennySaverUSA a short essay (250 words or less) about your favorite memory from 2011. One winning essay will be chosen on January 31st by a panel of PennySaverUSA judges.

There is no purchase or payment necessary to enter, and this contest is open to anyone in the contiguous 48 states, excluding Alaska and Hawaii. Must be 18 or older to enter and limit one entry per person/per household. The deadline to enter is January 30th, 2012 at 11:59 PM.