Lindsay Lohan -- You Gotta Give Her Credit ...

Lindsay Lohan possesses the power to turn nothing ... into bling!

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With more free time on her hands than a grandmother in Boca Raton, LiLo was spotted out shopping for jewelry yesterday in Bev Hills with her sister Ali.

Considering she never works and complains of constant money problems -- where does she find the money to go on these vacations to Hawaii and trips to the jewelry store?