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	<title>Personal Finance Advice &#187; Shannon Christman</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 Best Time to Pay Bills</title>
		<link>http://www.pfadvice.com/2008/07/25/the-best-time-to-pay-bills-%e2%80%93-on-time-or-early/</link>
		<comments>http://www.pfadvice.com/2008/07/25/the-best-time-to-pay-bills-%e2%80%93-on-time-or-early/#comments</comments>
		<pubDate>Fri, 25 Jul 2008 15:26:18 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[payment]]></category>

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		<description><![CDATA[We still pay most of our bills manually, by which I mean we don&#8217;t have automatic payments set up. While I recognize the advantages of automatic bill pay (no postage, time saved in writing out checks, etc.), I actually enjoy &#8230; <a href="http://www.pfadvice.com/2008/07/25/the-best-time-to-pay-bills-%e2%80%93-on-time-or-early/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/07/25/the-best-time-to-pay-bills-%e2%80%93-on-time-or-early/feed/</wfw:commentRss>
		<slash:comments>18</slash:comments>
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		<title>Managing Subscription Costs</title>
		<link>http://www.pfadvice.com/2008/07/18/managing-subscription-costs/</link>
		<comments>http://www.pfadvice.com/2008/07/18/managing-subscription-costs/#comments</comments>
		<pubDate>Fri, 18 Jul 2008 14:04:19 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[magazines]]></category>
		<category><![CDATA[subscriptions]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/07/18/102196_managing-subscription-costs.html</guid>
		<description><![CDATA[How many subscriptions do you pay for? Be sure to count not just magazines and newspapers but also services (warranties, computer virus protection, cell phone contract, ISP, etc.), memberships (gyms, fan clubs, business associations), and entertainment packages (Netflix, cable or &#8230; <a href="http://www.pfadvice.com/2008/07/18/managing-subscription-costs/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/07/18/managing-subscription-costs/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Secret of Personal Finances Revealed</title>
		<link>http://www.pfadvice.com/2008/07/09/personal-finance-secrets/</link>
		<comments>http://www.pfadvice.com/2008/07/09/personal-finance-secrets/#comments</comments>
		<pubDate>Wed, 09 Jul 2008 08:18:02 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[secret]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/07/09/102191_personal-finance-secrets.html</guid>
		<description><![CDATA[&#8220;Is it getting dark outside? Are you having trouble seeing? Turn the lights on!&#8221; is the gist of one &#8220;Wiggles Tips&#8221; segment on The Wiggles television show. These segments introduce the show&#8217;s preschool audience to a bit of humor &#8211; &#8230; <a href="http://www.pfadvice.com/2008/07/09/personal-finance-secrets/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/07/09/personal-finance-secrets/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>Saving Advice from the 1950s: How Much Still Applies?</title>
		<link>http://www.pfadvice.com/2008/07/07/1950s-saving-advice/</link>
		<comments>http://www.pfadvice.com/2008/07/07/1950s-saving-advice/#comments</comments>
		<pubDate>Mon, 07 Jul 2008 07:01:26 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[1950]]></category>
		<category><![CDATA[book]]></category>
		<category><![CDATA[history]]></category>
		<category><![CDATA[lessons]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/07/07/102192_1950s-saving-advice.html</guid>
		<description><![CDATA[Buried in the bottom of a box lot I recently bought at an auction was an advertising booklet from the 1950s, 1003 Household Hints and Work Savers to Help You Beat the High Cost of Living. The title caught my &#8230; <a href="http://www.pfadvice.com/2008/07/07/1950s-saving-advice/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/07/07/1950s-saving-advice/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
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		<title>Should We Cut Out Entertainment During Difficult Financial Times?</title>
		<link>http://www.pfadvice.com/2008/07/02/should-we-cut-out-entertainment-during-difficult-financial-times/</link>
		<comments>http://www.pfadvice.com/2008/07/02/should-we-cut-out-entertainment-during-difficult-financial-times/#comments</comments>
		<pubDate>Wed, 02 Jul 2008 07:56:00 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[tight budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/1999/11/30/102180_should-we-cut-out-entertainment-during-difficult-financial-times.html</guid>
		<description><![CDATA[&#8220;When I get a little money I buy books, and if any is left I buy food and clothes,&#8221; Desiderius Erasmus has been quoted as saying. If he read like I do (more for fun than for education), he was &#8230; <a href="http://www.pfadvice.com/2008/07/02/should-we-cut-out-entertainment-during-difficult-financial-times/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/07/02/should-we-cut-out-entertainment-during-difficult-financial-times/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
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		<title>Eight Ways to Get Cash in Hand by the End of the Week</title>
		<link>http://www.pfadvice.com/2008/06/30/eight-ways-to-get-cash-in-hand-by-the-end-of-the-week/</link>
		<comments>http://www.pfadvice.com/2008/06/30/eight-ways-to-get-cash-in-hand-by-the-end-of-the-week/#comments</comments>
		<pubDate>Mon, 30 Jun 2008 07:01:56 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[earn money]]></category>
		<category><![CDATA[get money fast]]></category>
		<category><![CDATA[sell]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/30/102186_eight-ways-to-get-cash-in-hand-by-the-end-of-the-week.html</guid>
		<description><![CDATA[On a recent visit to the Yahoo! Answers website, I found a lot of questions that boiled down to the same thing: How can I make money (usually about $100) fast (usually by the end of the week)? Apparently this &#8230; <a href="http://www.pfadvice.com/2008/06/30/eight-ways-to-get-cash-in-hand-by-the-end-of-the-week/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/06/30/eight-ways-to-get-cash-in-hand-by-the-end-of-the-week/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Getting Full Value Isn&#8217;t Black and White</title>
		<link>http://www.pfadvice.com/2008/06/28/getting-full-value-gift-cards/</link>
		<comments>http://www.pfadvice.com/2008/06/28/getting-full-value-gift-cards/#comments</comments>
		<pubDate>Sat, 28 Jun 2008 07:01:22 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[fullvalue]]></category>
		<category><![CDATA[gift card]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/28/102177_getting-full-value-gift-cards.html</guid>
		<description><![CDATA[&#8220;Here, let me show you these great glasses &#8212; I want to make sure you get the full value of your insurance coverage,&#8221; enthused the salesman trying to get me to upgrade my purchase. I had already carefully chosen my &#8230; <a href="http://www.pfadvice.com/2008/06/28/getting-full-value-gift-cards/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/06/28/getting-full-value-gift-cards/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Ten Ways to Keep the Cost of Eyeglasses Low</title>
		<link>http://www.pfadvice.com/2008/06/26/ten-ways-to-keep-the-cost-of-eyeglasses-low/</link>
		<comments>http://www.pfadvice.com/2008/06/26/ten-ways-to-keep-the-cost-of-eyeglasses-low/#comments</comments>
		<pubDate>Thu, 26 Jun 2008 07:01:57 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[deals]]></category>
		<category><![CDATA[discounts]]></category>
		<category><![CDATA[eyeglasses]]></category>
		<category><![CDATA[frames]]></category>
		<category><![CDATA[glasses]]></category>
		<category><![CDATA[prescription glasses]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/26/102175_ten-ways-to-keep-the-cost-of-eyeglasses-low.html</guid>
		<description><![CDATA[Eyeglasses are an oddball purchase. Most people who need them will buy them, but the amount they pay can vary greatly without much difference in quality. There are a few ways, however, to find glasses you like for a price &#8230; <a href="http://www.pfadvice.com/2008/06/26/ten-ways-to-keep-the-cost-of-eyeglasses-low/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/06/26/ten-ways-to-keep-the-cost-of-eyeglasses-low/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Improve Your Decision Making Skills to Improve Your Finances</title>
		<link>http://www.pfadvice.com/2008/06/23/too-many-choices/</link>
		<comments>http://www.pfadvice.com/2008/06/23/too-many-choices/#comments</comments>
		<pubDate>Mon, 23 Jun 2008 07:01:54 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[choices]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[skills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/23/102173_too-many-choices.html</guid>
		<description><![CDATA[We are faced daily with an overwhelming number of choices, particularly when it comes to spending. A simple choice like buying shampoo can turn into a ten-minute decision if we consider overall price, bottle size, brand reputation, specific variety (for &#8230; <a href="http://www.pfadvice.com/2008/06/23/too-many-choices/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/06/23/too-many-choices/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Why I Disagree with Hiring Others to do Your Work for Less</title>
		<link>http://www.pfadvice.com/2008/06/18/why-i-disagree-with-hiring-others-to-do-your-work/</link>
		<comments>http://www.pfadvice.com/2008/06/18/why-i-disagree-with-hiring-others-to-do-your-work/#comments</comments>
		<pubDate>Wed, 18 Jun 2008 07:01:24 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[chores]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[hire]]></category>
		<category><![CDATA[housework]]></category>
		<category><![CDATA[pay]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/18/102162_falsehood-that-menial-chores-waste-time.html</guid>
		<description><![CDATA[Last year I read an article in Redbook declaring that mothers should hire people to do some of their household work and errands for them. The article made the popular argument that if you can hire someone to do your &#8230; <a href="http://www.pfadvice.com/2008/06/18/why-i-disagree-with-hiring-others-to-do-your-work/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/06/18/why-i-disagree-with-hiring-others-to-do-your-work/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
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