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	<title>Personal Finance Advice &#187; Budgeting</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>50 Ways to Save Money on Food</title>
		<link>http://www.pfadvice.com/2012/02/07/50-ways-to-save-money-on-food/</link>
		<comments>http://www.pfadvice.com/2012/02/07/50-ways-to-save-money-on-food/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 18:15:51 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<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[food savings]]></category>
		<category><![CDATA[grocery coupons]]></category>
		<category><![CDATA[grocery savings]]></category>
		<category><![CDATA[grocery shopping]]></category>
		<category><![CDATA[healthy foods]]></category>
		<category><![CDATA[save on food]]></category>
		<category><![CDATA[stretch food budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9201</guid>
		<description><![CDATA[Food is one of the biggest line items in a budget, usually behind only rent or a mortgage and maybe the utilities. It&#8217;s also a necessity so you can&#8217;t just give it up. Many people want to know how to cut their food budget yet still eat something other than Ramen noodles and Hamburger Helper [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/02/07/50-ways-to-save-money-on-food/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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		<title>Four Important Reasons To Harp On Small Expenses</title>
		<link>http://www.pfadvice.com/2012/02/06/four-important-reasons-to-harp-on-small-expenses/</link>
		<comments>http://www.pfadvice.com/2012/02/06/four-important-reasons-to-harp-on-small-expenses/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 16:14:19 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[frivolous expenditures]]></category>
		<category><![CDATA[indulgences]]></category>
		<category><![CDATA[no fun]]></category>
		<category><![CDATA[small expenses]]></category>
		<category><![CDATA[unnecessary spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9199</guid>
		<description><![CDATA[I&#8217;ve been helping a neighbor attack her New Year&#8217;s resolution to get her finances in order. She&#8217;s been writing down all of her spending for a couple of weeks and I&#8217;m helping her identify things that can be cut back. Like a lot of people, she spends a lot on things like coffee from Starbucks, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/02/06/four-important-reasons-to-harp-on-small-expenses/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Money Lessons Learned from Traveling Well</title>
		<link>http://www.pfadvice.com/2012/01/31/money-lessons-learned-from-traveling-well/</link>
		<comments>http://www.pfadvice.com/2012/01/31/money-lessons-learned-from-traveling-well/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 17:17:53 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[comfort travel]]></category>
		<category><![CDATA[travel experience]]></category>
		<category><![CDATA[travel memories]]></category>
		<category><![CDATA[travel sacrifices]]></category>
		<category><![CDATA[travel safety]]></category>
		<category><![CDATA[traveling broke]]></category>
		<category><![CDATA[traveling well]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9067</guid>
		<description><![CDATA[Several months ago I wrote a post about what traveling while broke taught me about finance. Now, while I certainly don&#8217;t travel five-star, first-class all of the time, I&#8217;ve reached a point in my life where I can travel comfortably. I no longer have to sleep in a hostel and wait tables in a bar [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>How to Save Money on Clothing: Confessions of an Image Consultant</title>
		<link>http://www.pfadvice.com/2012/01/25/how-to-save-money-on-clothing-confessions-of-an-image-consultant/</link>
		<comments>http://www.pfadvice.com/2012/01/25/how-to-save-money-on-clothing-confessions-of-an-image-consultant/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 17:01:48 +0000</pubDate>
		<dc:creator>Amy Roseveare</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[buying clothes]]></category>
		<category><![CDATA[cost of clothing]]></category>
		<category><![CDATA[cost per wear]]></category>
		<category><![CDATA[department stores]]></category>
		<category><![CDATA[dressing nice]]></category>
		<category><![CDATA[fit correctly]]></category>
		<category><![CDATA[image consultant]]></category>
		<category><![CDATA[orphan clothes]]></category>
		<category><![CDATA[personal shopper]]></category>
		<category><![CDATA[spend on clothes]]></category>
		<category><![CDATA[tailoring]]></category>
		<category><![CDATA[weight gain costs]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9036</guid>
		<description><![CDATA[Some of you may not even know what an image consultant is, but that&#8217;s what I am. Basically, I&#8217;m a certified image professional who helps people with their wardrobes and closets. (Have you ever seen the TV show &#8220;What not to Wear?&#8221; I&#8217;m Stacey&#8230;just nicer.) My clients range from stay at home moms to very [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/25/how-to-save-money-on-clothing-confessions-of-an-image-consultant/feed/</wfw:commentRss>
		<slash:comments>18</slash:comments>
		</item>
		<item>
		<title>Barrel of Monkeys or Barrel of Money?</title>
		<link>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/</link>
		<comments>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 07:01:50 +0000</pubDate>
		<dc:creator>M. Beddingfield</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[barrel of monkeys]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[monkeyshines]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[savings account]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4554</guid>
		<description><![CDATA[We all remember fondly the games we played when we were children. There is a simple game that kept me entertained when I was young. It was called Barrel of Monkeys. My Barrel of Monkeys came in a bright yellow plastic barrel with twelve monkeys inside. The monkeys&#8217; arms were sort of S curved and [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Best Entertainment Value for Your Money</title>
		<link>http://www.pfadvice.com/2012/01/10/best-entertainment-value-for-your-money/</link>
		<comments>http://www.pfadvice.com/2012/01/10/best-entertainment-value-for-your-money/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 17:28:58 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[entertainment budget]]></category>
		<category><![CDATA[entertainment spending]]></category>
		<category><![CDATA[entertainment value]]></category>
		<category><![CDATA[waste of money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8662</guid>
		<description><![CDATA[Entertainment is a large category in many people&#8217;s budgets. We all want to have fun, after all, with what limited downtime we have after work and chores are completed. The problem is that, &#8220;entertainment&#8221; money is easy to waste on things that have little lasting value. Now, by lasting value I don&#8217;t mean that something [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/10/best-entertainment-value-for-your-money/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Debt Snowball: 5 Options</title>
		<link>http://www.pfadvice.com/2012/01/05/debt-snowball-5-options/</link>
		<comments>http://www.pfadvice.com/2012/01/05/debt-snowball-5-options/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 17:52:30 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[debt snowball method]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[reducing debt]]></category>
		<category><![CDATA[what debt to pay first]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8363</guid>
		<description><![CDATA[For anyone trying to get out of debt, the debt snowball method has become the choice of many to tackle their debt. This shouldn&#8217;t be a surprise as it is a straightforward and easy to follow method that works. While the basics are the same, there are a variety of different debt snowball approaches that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/05/debt-snowball-5-options/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Skip the Finance Fads</title>
		<link>http://www.pfadvice.com/2011/12/26/skip-the-finance-fads/</link>
		<comments>http://www.pfadvice.com/2011/12/26/skip-the-finance-fads/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 08:25:33 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[financial fads]]></category>
		<category><![CDATA[money fads]]></category>
		<category><![CDATA[money resolutions]]></category>
		<category><![CDATA[New Year resolutions]]></category>
		<category><![CDATA[save more]]></category>
		<category><![CDATA[spend less]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8491</guid>
		<description><![CDATA[It&#8217;s the time of year when many people resolve to get their finances in order. As with dieting, this is also the time of year when all the fads compete for your attention. You start to see ads for everything including computer software, apps for your phone, programs/groups that promise to solve all of your [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/12/26/skip-the-finance-fads/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Money Lessons Learned from the Christmas Craziness</title>
		<link>http://www.pfadvice.com/2011/12/19/money-lessons-learned-from-the-christmas-craziness/</link>
		<comments>http://www.pfadvice.com/2011/12/19/money-lessons-learned-from-the-christmas-craziness/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 10:57:31 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[buying stuff]]></category>
		<category><![CDATA[Christmas craziness]]></category>
		<category><![CDATA[Christmas greed]]></category>
		<category><![CDATA[Christmas money]]></category>
		<category><![CDATA[hot Christmas gifts]]></category>
		<category><![CDATA[New Year resolutions]]></category>
		<category><![CDATA[Xmas money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8461</guid>
		<description><![CDATA[We&#8217;re slam in the middle of the Christmas nuttiness. Spend, spend, spend is the current motto and I don&#8217;t know whether it&#8217;s the coming full moon or simply the Christmas insanity, but people are acting crazy. I&#8217;ve seen far more people this year yelling at other people, pushing and shoving, flipping others off in parking [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/12/19/money-lessons-learned-from-the-christmas-craziness/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>10 Things The Army Taught Me About Finances</title>
		<link>http://www.pfadvice.com/2011/12/14/10-things-the-army-taught-me-about-finances/</link>
		<comments>http://www.pfadvice.com/2011/12/14/10-things-the-army-taught-me-about-finances/#comments</comments>
		<pubDate>Wed, 14 Dec 2011 16:46:46 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[accountability]]></category>
		<category><![CDATA[army finances]]></category>
		<category><![CDATA[basic training]]></category>
		<category><![CDATA[determination]]></category>
		<category><![CDATA[Dollars & Uncommon Sense]]></category>
		<category><![CDATA[flexibility]]></category>
		<category><![CDATA[integrity]]></category>
		<category><![CDATA[keep it simple stupid]]></category>
		<category><![CDATA[leadership]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[prioritizing]]></category>
		<category><![CDATA[sacrifice]]></category>
		<category><![CDATA[Steve Repak]]></category>
		<category><![CDATA[team work]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8428</guid>
		<description><![CDATA[By Steve Repak, CFP® In basic training, a soldier goes through a process of mental and emotional retraining so that they can operate in an environment very different from the civilian world. I figured out I could take some of the same lessons I learned in the Army and apply them to my finances. Once [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/12/14/10-things-the-army-taught-me-about-finances/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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