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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>One Upmanship, Frugal Style</title>
		<link>http://www.pfadvice.com/2010/03/17/one-upmanship-frugal-style/</link>
		<comments>http://www.pfadvice.com/2010/03/17/one-upmanship-frugal-style/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 07:01:42 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[complaining relatives]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[relatives]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5810</guid>
		<description><![CDATA[Last week some long lost relatives came to visit (well, not long lost but definitely not close relatives). Frankly, I wish they&#8217;d stayed lost. We let ourselves get talked into hosting these people by another relative who, knowing that these long lost people were coming to our town for a convention, so kindly recommended that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/17/one-upmanship-frugal-style/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
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		<title>Does Frugality Equal Detachment?</title>
		<link>http://www.pfadvice.com/2010/03/15/does-frugality-equal-detachment/</link>
		<comments>http://www.pfadvice.com/2010/03/15/does-frugality-equal-detachment/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 07:01:31 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[consumerism]]></category>
		<category><![CDATA[frugality]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5808</guid>
		<description><![CDATA[The more I embrace frugality, the more I wonder if a frugal life equals a life detached from society. And then I ask myself: Is that a bad thing? I find myself less and less interested in &#8220;mainstream&#8221; society as the years go by. I don&#8217;t watch TV much, so I couldn&#8217;t tell you anything [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/15/does-frugality-equal-detachment/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
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		<title>Keeping Control of Your Money</title>
		<link>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/</link>
		<comments>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 07:01:39 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[contracts]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[keep control]]></category>
		<category><![CDATA[money control]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5786</guid>
		<description><![CDATA[Have you ever thought about how much control over your financial life you give to companies when you sign up for things like cable, cell phone contracts, Internet access, loans, or credit cards? When you engage in most financial transactions, you are letting someone else have a little bit of control over your financial life. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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		<title>The Shopping List: A Simple Way to Save Money and Time</title>
		<link>http://www.pfadvice.com/2010/03/08/the-shopping-list-a-simple-way-to-save-money-and-time/</link>
		<comments>http://www.pfadvice.com/2010/03/08/the-shopping-list-a-simple-way-to-save-money-and-time/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 07:01:59 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[impulse purchases]]></category>
		<category><![CDATA[shopping list]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5784</guid>
		<description><![CDATA[A shopping list sounds like such a simple thing to do, but how many times have you arrived at the store with no list and no idea what you really need? It leads to frustration and overspending, doesn&#8217;t it? I hear you now: &#8220;A list takes too long to get together. When I need to [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/08/the-shopping-list-a-simple-way-to-save-money-and-time/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
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		<title>Kids and Money</title>
		<link>http://www.pfadvice.com/2010/03/03/kids-and-money/</link>
		<comments>http://www.pfadvice.com/2010/03/03/kids-and-money/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 07:01:38 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[how to teach kids about money]]></category>
		<category><![CDATA[kids]]></category>
		<category><![CDATA[kids and money]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[teaching kids about money]]></category>
		<category><![CDATA[understanding money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5757</guid>
		<description><![CDATA[I remember when I was a kid, my parents would take the time to show me how money worked. (This was in the days before ATM&#8217;s and online banking.) My mom would show me how to write a check out to &#8220;cash,&#8221; hand it to the teller, and get cash in return. She showed me [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/03/kids-and-money/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
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		<title>The Advantages of a Simple Plan</title>
		<link>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/</link>
		<comments>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 07:47:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[making things simple]]></category>
		<category><![CDATA[not complicated]]></category>
		<category><![CDATA[simple]]></category>
		<category><![CDATA[simple budget]]></category>
		<category><![CDATA[simple financial plan]]></category>
		<category><![CDATA[uncomplicated]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5756</guid>
		<description><![CDATA[When people set out to make a budget or adhere to a financial plan, they sometimes make things so complicated that they have no chance of success. They set up accounts at many institutions, they open ten credit cards to maximize the rewards, they make too many rules about what can and cannot be bought, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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		<title>Why Pay to Feel Bad?</title>
		<link>http://www.pfadvice.com/2010/02/24/why-pay-to-feel-bad/</link>
		<comments>http://www.pfadvice.com/2010/02/24/why-pay-to-feel-bad/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 07:01:44 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[cable TV]]></category>
		<category><![CDATA[feel bad]]></category>
		<category><![CDATA[Netflix]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[watching TV]]></category>
		<category><![CDATA[weakness]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5736</guid>
		<description><![CDATA[I&#8217;ve written before about how we&#8217;ve cut out cable TV, preferring instead to use Netflix and over the air channels for our entertainment needs. Recently, however, we allowed cable back into the house. I&#8217;m a huge Olympics and tennis junkie and my husband is a big NASCAR fan. And March Madness is coming. Between the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/24/why-pay-to-feel-bad/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>How To Track Savings: Seeing Progress, No Matter How Small</title>
		<link>http://www.pfadvice.com/2010/02/22/how-to-track-savings-seeing-progress-no-matter-how-small/</link>
		<comments>http://www.pfadvice.com/2010/02/22/how-to-track-savings-seeing-progress-no-matter-how-small/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 07:01:14 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[couponing]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[small amounts]]></category>
		<category><![CDATA[track savings]]></category>
		<category><![CDATA[track spending]]></category>
		<category><![CDATA[tracking expenses]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5734</guid>
		<description><![CDATA[One of the things that makes it hard when you&#8217;re trying to save money is the feeling that you&#8217;re not getting anywhere. You make some changes in your lifestyle or you stop spending on unnecessary things and you know you&#8217;re saving money, but you just don&#8217;t feel like it&#8217;s adding up. When people start feeling [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/22/how-to-track-savings-seeing-progress-no-matter-how-small/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
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		<title>The Homemade Laundry Room</title>
		<link>http://www.pfadvice.com/2010/02/17/the-homemade-laundry-room/</link>
		<comments>http://www.pfadvice.com/2010/02/17/the-homemade-laundry-room/#comments</comments>
		<pubDate>Wed, 17 Feb 2010 07:01:12 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[alternative laundry products]]></category>
		<category><![CDATA[dryer sheets]]></category>
		<category><![CDATA[environmentally friendly laundry products]]></category>
		<category><![CDATA[fabric softener]]></category>
		<category><![CDATA[laundry]]></category>
		<category><![CDATA[laundry detergent]]></category>
		<category><![CDATA[laundry products]]></category>
		<category><![CDATA[stain pretreatment]]></category>
		<category><![CDATA[stain remover]]></category>
		<category><![CDATA[starch]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5723</guid>
		<description><![CDATA[Several years ago I started looking for alternatives to commercial laundry products. I had two main reasons for doing this. First, commercial products were becoming more and more expensive and I was having trouble finding ones that worked well, or at least well enough to justify their price tags. Second, I wanted products that were [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/17/the-homemade-laundry-room/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Financial Road Less Traveled</title>
		<link>http://www.pfadvice.com/2010/02/15/the-financial-road-less-traveled/</link>
		<comments>http://www.pfadvice.com/2010/02/15/the-financial-road-less-traveled/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 07:01:27 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[do over]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial choices]]></category>
		<category><![CDATA[financial road]]></category>
		<category><![CDATA[life choices]]></category>
		<category><![CDATA[road less traveled]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5717</guid>
		<description><![CDATA[I think I&#8217;m getting old. I&#8217;m starting to hit that phase of life where I&#8217;m looking at the choices I&#8217;ve made and ruminating over the roads less traveled. I find myself wondering about the career I chose, the jobs I&#8217;ve taken along the way, even the relationships I&#8217;ve had. Along with all the general &#8220;What [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/15/the-financial-road-less-traveled/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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