Okay so this is a bit complicated but it definitely works:)READ COMPLETELY BEFORE TRYING!

*1.First make sure you have an IMVU account,a myyearbook account(make sure it isnt and has never been VIP),and a PayPal account(With balance(money)or a credit card linked to it)(You will not be charged at all,don't worry).
*2.Make a Myyearbook account if you dont already have one.
*3.Under your profile pic(after you joined/log in)it says "Join VIP!"click on it
*4.Your brought to the page where you need to pick a color for a plan of payment,click Go Black
*5.Select paypal and you get a free trial so they dont charge you.
*6.At this point you must log in to your paypal account with valid information etc.Make sure your balance is $20 or over,if its not i wont work(My friend did this with several accounts it worked)
*7.Now make sure the charging amount says $0.00,after you see this click Pay.
*8.Now your lunch money amount should have over 5,000,000 lunch money correct?.If it does then click on it and exchange it for IMVU credits.You can exchange a total of 300,000 LM a day which in IMVU credits its 1,500.If your not VIP in myyearbook you can only exchance 100,000 a day which is 500 credits in IMVU
*9.After you exchange the 300,000 LM for IMVU credits,Cancel you VIP membership and it wont charge you,but you stay with the 5,000,000 LM(Which is over 10 days of exchanging)
MAKE SURE YOU CANCEL THE MEMBERSHIP RIGHT AFTER YOU EXCHANGE THE LUNCH MONEY!!!!!!!!!!!!!
This is completely free and IT WORKS!!!
COMMENT IF IT DIDNT WORK FOR YOU TO C IF I CAN HELP!