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	<title>Personal Finance Advice &#187; Jennifer Derrick</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>The Target Red Card Decision</title>
		<link>http://www.pfadvice.com/2013/05/23/the-target-red-card-decision/</link>
		<comments>http://www.pfadvice.com/2013/05/23/the-target-red-card-decision/#comments</comments>
		<pubDate>Thu, 23 May 2013 13:45:12 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[5% discount]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[credit check]]></category>
		<category><![CDATA[free shipping fraud protection]]></category>
		<category><![CDATA[purchase tracking]]></category>
		<category><![CDATA[spending limit]]></category>
		<category><![CDATA[target]]></category>
		<category><![CDATA[target debit card]]></category>
		<category><![CDATA[Target Red card]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=15199</guid>
		<description><![CDATA[Lately I&#8217;ve been thinking about getting the Target Red debit card. (Note that this post is strictly about the debit card. Target also offers a credit card which offers similar benefits to the debit card, but also acts like a credit card in that you are charged interest on unpaid balances.) I became interested in [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/23/the-target-red-card-decision/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Your To Do List May Be Longer Than You Think</title>
		<link>http://www.pfadvice.com/2013/05/22/your-to-do-list-may-be-longer-than-you-think/</link>
		<comments>http://www.pfadvice.com/2013/05/22/your-to-do-list-may-be-longer-than-you-think/#comments</comments>
		<pubDate>Wed, 22 May 2013 12:40:06 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[buy less]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[projects]]></category>
		<category><![CDATA[tasks]]></category>
		<category><![CDATA[to do list]]></category>
		<category><![CDATA[undone]]></category>
		<category><![CDATA[unfinished]]></category>
		<category><![CDATA[unused]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=15167</guid>
		<description><![CDATA[I read a lot of books and articles on things like brain science, psychology, productivity, and memory. One thing that tends to come up often as I read is that the brain sees any incomplete task or goal as part of your to-do list. Even if you aren&#8217;t consciously thinking of it, anything that you [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/22/your-to-do-list-may-be-longer-than-you-think/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>You Can Never Do It All, So Don&#8217;t Waste Money Trying</title>
		<link>http://www.pfadvice.com/2013/05/20/you-can-never-do-it-all-so-dont-waste-money-trying/</link>
		<comments>http://www.pfadvice.com/2013/05/20/you-can-never-do-it-all-so-dont-waste-money-trying/#comments</comments>
		<pubDate>Mon, 20 May 2013 13:45:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[do it all]]></category>
		<category><![CDATA[have it all]]></category>
		<category><![CDATA[hobbies]]></category>
		<category><![CDATA[moderation]]></category>
		<category><![CDATA[obsession]]></category>
		<category><![CDATA[over extend]]></category>
		<category><![CDATA[too much]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=15171</guid>
		<description><![CDATA[I have a friend who is into Star Wars. I mean really into Star Wars. He has every release of the movies going back to VHS. He has the trading cards, all of the books, the toys going back to the 1970&#8242;s when he was a child, the collectible glasses given away by fast food [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/20/you-can-never-do-it-all-so-dont-waste-money-trying/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>35 Things to Do on a Rainy Day</title>
		<link>http://www.pfadvice.com/2013/05/17/35-things-to-do-on-a-rainy-day/</link>
		<comments>http://www.pfadvice.com/2013/05/17/35-things-to-do-on-a-rainy-day/#comments</comments>
		<pubDate>Fri, 17 May 2013 15:20:06 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[5 minute chores]]></category>
		<category><![CDATA[catch up]]></category>
		<category><![CDATA[make the best]]></category>
		<category><![CDATA[making lists]]></category>
		<category><![CDATA[miantenance]]></category>
		<category><![CDATA[rainy day]]></category>
		<category><![CDATA[small chores]]></category>
		<category><![CDATA[stuck inside]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=15086</guid>
		<description><![CDATA[Sometimes, when the weather isn&#8217;t pretty, it&#8217;s tempting to go out and do something that&#8217;s going to cost you money. The movies, a restaurant, a bar, a trip to the mall or the bookstore. All of these offer some relief from being trapped inside your house. But if you&#8217;re trying to save money, you need [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/17/35-things-to-do-on-a-rainy-day/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Believe the Salesmen</title>
		<link>http://www.pfadvice.com/2013/05/15/dont-believe-the-salesmen/</link>
		<comments>http://www.pfadvice.com/2013/05/15/dont-believe-the-salesmen/#comments</comments>
		<pubDate>Wed, 15 May 2013 15:15:51 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[buying research]]></category>
		<category><![CDATA[dealer lies]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[sales lies]]></category>
		<category><![CDATA[sales person]]></category>
		<category><![CDATA[sales pitch]]></category>
		<category><![CDATA[showroom]]></category>
		<category><![CDATA[trust]]></category>
		<category><![CDATA[walk away]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=15084</guid>
		<description><![CDATA[We enjoy camping in our RV. As a result, I spend a lot of time on RV-related message boards. This week I saw a sad story. A family wanted to get into the camping lifestyle, so they went to the local dealer to see what they could or should get. They planned on towing the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/15/dont-believe-the-salesmen/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Sometimes Quitting Equals Winning</title>
		<link>http://www.pfadvice.com/2013/05/13/sometimes-quitting-equals-winning/</link>
		<comments>http://www.pfadvice.com/2013/05/13/sometimes-quitting-equals-winning/#comments</comments>
		<pubDate>Mon, 13 May 2013 13:30:28 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[quitting]]></category>
		<category><![CDATA[success]]></category>
		<category><![CDATA[wants]]></category>
		<category><![CDATA[winner]]></category>
		<category><![CDATA[winning]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=15088</guid>
		<description><![CDATA[People like to refer to life as a game or a competition. The winners are the ones who accumulate the most or best things, achieve the most success, or get the most power. That&#8217;s the conventional wisdom, anyway, which means that a large number of us are playing a game we&#8217;ll never win. We&#8217;ll never [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/13/sometimes-quitting-equals-winning/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>15 Ways to Deal With Emotions Without Retail Therapy</title>
		<link>http://www.pfadvice.com/2013/05/10/15-ways-to-deal-with-emotions-without-retail-therapy/</link>
		<comments>http://www.pfadvice.com/2013/05/10/15-ways-to-deal-with-emotions-without-retail-therapy/#comments</comments>
		<pubDate>Fri, 10 May 2013 14:12:24 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[emotional issues]]></category>
		<category><![CDATA[emotions]]></category>
		<category><![CDATA[exercise]]></category>
		<category><![CDATA[journaling]]></category>
		<category><![CDATA[retail therapy]]></category>
		<category><![CDATA[shopping therapy]]></category>
		<category><![CDATA[volunteer]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=14919</guid>
		<description><![CDATA[&#8220;I&#8217;m so messed up. I&#8217;m going out for a little retail therapy. Wanna come?&#8221; So began a recent conversation with my neighbor. I&#8217;ll admit that she&#8217;s got every reason to be upset: Her kids are in trouble, there are financial problems in her house, her job is a mess, and her relatives are the sort [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/10/15-ways-to-deal-with-emotions-without-retail-therapy/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>You&#8217;re Responsible for Knowing Your Bank Balance</title>
		<link>http://www.pfadvice.com/2013/05/08/youre-responsible-for-knowing-your-bank-balance/</link>
		<comments>http://www.pfadvice.com/2013/05/08/youre-responsible-for-knowing-your-bank-balance/#comments</comments>
		<pubDate>Wed, 08 May 2013 15:46:53 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[balancing bank statements]]></category>
		<category><![CDATA[balancing checkbook]]></category>
		<category><![CDATA[current balance]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[iBank]]></category>
		<category><![CDATA[insufficient funds]]></category>
		<category><![CDATA[Quicken]]></category>
		<category><![CDATA[Target RED]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=14917</guid>
		<description><![CDATA[Lately I&#8217;ve been trying to decide whether or not to get a Target Red debit card. As much as I shop at Target, the five percent discount would be nice, but there are some drawbacks. I&#8217;m still looking into it and will probably make a post about what I&#8217;ve learned once I make my decision. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/08/youre-responsible-for-knowing-your-bank-balance/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Early Retirement Without a Huge Nest Egg</title>
		<link>http://www.pfadvice.com/2013/05/07/early-retirement-without-a-huge-nest-egg/</link>
		<comments>http://www.pfadvice.com/2013/05/07/early-retirement-without-a-huge-nest-egg/#comments</comments>
		<pubDate>Tue, 07 May 2013 15:50:47 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[nest egg]]></category>
		<category><![CDATA[retire young]]></category>
		<category><![CDATA[retirement accounts]]></category>
		<category><![CDATA[retirement budgeting]]></category>
		<category><![CDATA[retiring early]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=14915</guid>
		<description><![CDATA[Many people dream of retiring while they&#8217;re still young enough to have some fun. Then they look at their bank balance, sigh, and decide that they will have to work until they&#8217;re eighty. This might not be true, however. Lots of people retire early without a fortune in the bank or a large inheritance on [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/07/early-retirement-without-a-huge-nest-egg/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Let Them Judge You</title>
		<link>http://www.pfadvice.com/2013/05/03/let-them-judge-you/</link>
		<comments>http://www.pfadvice.com/2013/05/03/let-them-judge-you/#comments</comments>
		<pubDate>Fri, 03 May 2013 15:55:04 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[appearance]]></category>
		<category><![CDATA[judging others]]></category>
		<category><![CDATA[judging people]]></category>
		<category><![CDATA[judgments]]></category>
		<category><![CDATA[lifestyle]]></category>
		<category><![CDATA[possessions]]></category>
		<category><![CDATA[spending spree]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=14797</guid>
		<description><![CDATA[A couple of years ago, I had a run in with the neighborhood jerk. A group of neighbors was trying to mobilize against a potential new road that would cut through some properties and lower the value of others. Everyone in the neighborhood was against the road except this one guy. He felt like having [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2013/05/03/let-them-judge-you/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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