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	<title>Comments on: A Life Without Debt: Engineering a Debt Free Life</title>
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	<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>By: Jenn</title>
		<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/comment-page-1/#comment-671446</link>
		<dc:creator>Jenn</dc:creator>
		<pubDate>Mon, 01 Feb 2010 15:07:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5581#comment-671446</guid>
		<description><![CDATA[I&#039;m in high tech and started working from home almost a year ago and it&#039;s been a great cost saver. I anticipated the savings on gas, but when you add savings on coffee, lunches and wear and tear on work clothes it really adds up.  We live in the woods 15 minutes out of town, so I can&#039;t accidentally wind up in a mall which really reduces the opportunity to impulse shop.  Most weeks I only go shopping on Saturday when DH and I head out for our weekly coffee, groceries and errands &quot;date&quot;. Not romantic for sure, but we actually look forward to it as it&#039;s normally the only non-kid time we set aside each week. We get up early Saturday, plan the meals for the week (based on the sales at our store) and head out.  I know it&#039;s odd but we find it better quality time than a date night, since you really can&#039;t talk during a movie or in a noisy restaurant. Other than the cost of the coffees, we don&#039;t spend anything we wouldn&#039;t have spent anyway.

I think the key to getting spending under control is to figure out what your priorities are, not just copying what the Jones&#039;s priorities are.  We choose to buy used vehicles with cash and drive them into the ground, we haven&#039;t had cable in 20yrs, and in general unless something wears out or breaks we don&#039;t replace it. Shopping for us isn&#039;t a recreational activity - there&#039;s always a list and a purpose when we go to a store.  We don&#039;t feel deprived in anyway, because having new vehicles and the latest &quot;stuff&quot; isn&#039;t important to us.  Instead we take great vacations and save like mad so we can retire early. Those are our priorities so doing without the other stuff is really pretty painless.  I couldn&#039;t buy a $200 pair of shoes without seeing it as a missed night in a fabulous hotel in Venice.  It&#039;s all about knowing what you value and not spending mindlessly on whatever your friends or colleagues do.  
I don&#039;t understand spending a fortune on the latest electronics, but if it&#039;s important to someone and they&#039;ve planned their budget to accomodate it, then great. Those same people thought we were nuts taking the kids to Europe for a month.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m in high tech and started working from home almost a year ago and it&#8217;s been a great cost saver. I anticipated the savings on gas, but when you add savings on coffee, lunches and wear and tear on work clothes it really adds up.  We live in the woods 15 minutes out of town, so I can&#8217;t accidentally wind up in a mall which really reduces the opportunity to impulse shop.  Most weeks I only go shopping on Saturday when DH and I head out for our weekly coffee, groceries and errands &#8220;date&#8221;. Not romantic for sure, but we actually look forward to it as it&#8217;s normally the only non-kid time we set aside each week. We get up early Saturday, plan the meals for the week (based on the sales at our store) and head out.  I know it&#8217;s odd but we find it better quality time than a date night, since you really can&#8217;t talk during a movie or in a noisy restaurant. Other than the cost of the coffees, we don&#8217;t spend anything we wouldn&#8217;t have spent anyway.</p>
<p>I think the key to getting spending under control is to figure out what your priorities are, not just copying what the Jones&#8217;s priorities are.  We choose to buy used vehicles with cash and drive them into the ground, we haven&#8217;t had cable in 20yrs, and in general unless something wears out or breaks we don&#8217;t replace it. Shopping for us isn&#8217;t a recreational activity &#8211; there&#8217;s always a list and a purpose when we go to a store.  We don&#8217;t feel deprived in anyway, because having new vehicles and the latest &#8220;stuff&#8221; isn&#8217;t important to us.  Instead we take great vacations and save like mad so we can retire early. Those are our priorities so doing without the other stuff is really pretty painless.  I couldn&#8217;t buy a $200 pair of shoes without seeing it as a missed night in a fabulous hotel in Venice.  It&#8217;s all about knowing what you value and not spending mindlessly on whatever your friends or colleagues do.<br />
I don&#8217;t understand spending a fortune on the latest electronics, but if it&#8217;s important to someone and they&#8217;ve planned their budget to accomodate it, then great. Those same people thought we were nuts taking the kids to Europe for a month.</p>
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		<title>By: Sueellen</title>
		<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/comment-page-1/#comment-663414</link>
		<dc:creator>Sueellen</dc:creator>
		<pubDate>Thu, 31 Dec 2009 17:36:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5581#comment-663414</guid>
		<description><![CDATA[In each of your points....You are so right!!!
I am a prime example.  I have many big spender family members who I am very close to.  I moved two states away from them due to a job offer.
I stopped watching television and gave my television away.  I stopped recreational shopping.  I learned to cook.  I moved to a moderate apartment in a working class neighborhood.  In implementing these tips as well as being super frugal...I was able to apply $30,000 to debt in only twelve months and no I did not sell anything or win the lottery and I earn a average salary.]]></description>
		<content:encoded><![CDATA[<p>In each of your points&#8230;.You are so right!!!<br />
I am a prime example.  I have many big spender family members who I am very close to.  I moved two states away from them due to a job offer.<br />
I stopped watching television and gave my television away.  I stopped recreational shopping.  I learned to cook.  I moved to a moderate apartment in a working class neighborhood.  In implementing these tips as well as being super frugal&#8230;I was able to apply $30,000 to debt in only twelve months and no I did not sell anything or win the lottery and I earn a average salary.</p>
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		<title>By: Isabelle</title>
		<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/comment-page-1/#comment-663090</link>
		<dc:creator>Isabelle</dc:creator>
		<pubDate>Wed, 30 Dec 2009 13:36:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5581#comment-663090</guid>
		<description><![CDATA[Luckily we in the UK don&#039;t have the health cost problems.

I know the NHS has had a lot of bad press in the USA, but Christmas Eve my 91 year old mother-in-law was taken into hospital from her doctor&#039;s, by ambulance.  She was tested, x-rayed, scanned, heart stabilised and operated on within three days - now well on the way to recovery.  She will go to a special hospital for two weeks to recover before being sent home.  Cost - zilch!

However, I agree with keeping yourself healthy - life is then much nicer.  My mother-in-law is a case in point.  She has always eaten well and kept herself busy in mind and body.]]></description>
		<content:encoded><![CDATA[<p>Luckily we in the UK don&#8217;t have the health cost problems.</p>
<p>I know the NHS has had a lot of bad press in the USA, but Christmas Eve my 91 year old mother-in-law was taken into hospital from her doctor&#8217;s, by ambulance.  She was tested, x-rayed, scanned, heart stabilised and operated on within three days &#8211; now well on the way to recovery.  She will go to a special hospital for two weeks to recover before being sent home.  Cost &#8211; zilch!</p>
<p>However, I agree with keeping yourself healthy &#8211; life is then much nicer.  My mother-in-law is a case in point.  She has always eaten well and kept herself busy in mind and body.</p>
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		<title>By: Jason Lim</title>
		<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/comment-page-1/#comment-662195</link>
		<dc:creator>Jason Lim</dc:creator>
		<pubDate>Fri, 25 Dec 2009 08:36:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5581#comment-662195</guid>
		<description><![CDATA[Totally agreed with the provided tips. Especially those keep changing his/her vehicle always when the new model is launched. It makes people keep having debt with bank.

Nowadays, online shopping is quite happening, it could be another factor that make people splurging too.]]></description>
		<content:encoded><![CDATA[<p>Totally agreed with the provided tips. Especially those keep changing his/her vehicle always when the new model is launched. It makes people keep having debt with bank.</p>
<p>Nowadays, online shopping is quite happening, it could be another factor that make people splurging too.</p>
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		<title>By: Sandy L</title>
		<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/comment-page-1/#comment-661905</link>
		<dc:creator>Sandy L</dc:creator>
		<pubDate>Tue, 22 Dec 2009 16:20:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5581#comment-661905</guid>
		<description><![CDATA[The health/safety one is the scariest to me. Was it you that wrote a post on taking out extra insurance? (Life, disability, etc)

I am not as worried about things I can control (like wanting to keep up with the neighbors), but things I can&#039;t control like a chronic illness or massive recession.]]></description>
		<content:encoded><![CDATA[<p>The health/safety one is the scariest to me. Was it you that wrote a post on taking out extra insurance? (Life, disability, etc)</p>
<p>I am not as worried about things I can control (like wanting to keep up with the neighbors), but things I can&#8217;t control like a chronic illness or massive recession.</p>
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		<title>By: Nicole</title>
		<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/comment-page-1/#comment-661895</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Tue, 22 Dec 2009 14:01:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5581#comment-661895</guid>
		<description><![CDATA[These are all very good tips.  I have a boss that is spendy and everyday he asks if I want to grab lunch with him.  And everyday, I reply that I brought from home.  He&#039;s relentless.  I recently paid off the car and now he looks up used range rovers for me. lol  This is my boss - someone I should be modeling my behavior after!!!  Craziness.]]></description>
		<content:encoded><![CDATA[<p>These are all very good tips.  I have a boss that is spendy and everyday he asks if I want to grab lunch with him.  And everyday, I reply that I brought from home.  He&#8217;s relentless.  I recently paid off the car and now he looks up used range rovers for me. lol  This is my boss &#8211; someone I should be modeling my behavior after!!!  Craziness.</p>
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