"Spend $10. Save $650."

That's the promise of the Burpee Seed Company's version of a Victory Garden it calls a "Money Garden" -- $10 worth of vegetable seeds planted in a small sunny spot will yield $650 worth of produce. What are they not factoring in? Your time, for one thing and the cost of gardening equipment. That said, growing fresh vegetable in your own backyard is quite gratifying. And it can save a lot of money, if you plan properly.