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	<title>Personal Finance Advice &#187; Frugal</title>
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	<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>15</slash:comments>
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		<title>A Life Without Debt: Finding Satisfaction in Being Fiscally Responsible</title>
		<link>http://www.pfadvice.com/2010/03/16/a-life-without-debt-finding-satisfaction-in-being-fiscally-responsible/</link>
		<comments>http://www.pfadvice.com/2010/03/16/a-life-without-debt-finding-satisfaction-in-being-fiscally-responsible/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 07:01:18 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[acting responsible]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[delay satisfaction]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5812</guid>
		<description><![CDATA[I frequently hear people bemoan the choices they have made when it comes time to &#8220;man up&#8221; and be financially responsible. They grieve over the vacation they have to cancel due to a layoff. They cry over the kitchen renovation that has to be put off when the roof needs replacing. They sob when they [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/16/a-life-without-debt-finding-satisfaction-in-being-fiscally-responsible/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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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>
		</item>
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		<title>Things I Wish I Had Kept</title>
		<link>http://www.pfadvice.com/2010/03/12/things-i-wish-i-had-kept/</link>
		<comments>http://www.pfadvice.com/2010/03/12/things-i-wish-i-had-kept/#comments</comments>
		<pubDate>Fri, 12 Mar 2010 08:01:07 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[donating things]]></category>
		<category><![CDATA[Florida]]></category>
		<category><![CDATA[keeping things]]></category>
		<category><![CDATA[one of everything]]></category>
		<category><![CDATA[things you need]]></category>
		<category><![CDATA[wintr weather]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5803</guid>
		<description><![CDATA[I live in Florida.  Until recently, I would have said that I live in &#8220;sunny&#8221; Florida to distinguish my state from the cold places to the north.  This year, however, cold weather came south for the winter along with all of the snowbirds who flock to Florida just after Christmas.  Indeed, from [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/12/things-i-wish-i-had-kept/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
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		<title>A Life Without Debt: Take Care of Your Stuff</title>
		<link>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/</link>
		<comments>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 07:01:03 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[possessions]]></category>
		<category><![CDATA[routine maintenance]]></category>
		<category><![CDATA[take care of your stuff]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5788</guid>
		<description><![CDATA[One of the ways we&#8217;ve managed to avoid debt is very simple: We take care of all of our possessions so that they will last. Making things last longer means we don&#8217;t have to replace them as often, saving us large amounts of money. This sounds like a no brainer, but I&#8217;m always surprised by [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<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>
		<item>
		<title>Dave Ramsey Financial Peace University: Week 3</title>
		<link>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/</link>
		<comments>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 07:01:45 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget forms]]></category>
		<category><![CDATA[budget software]]></category>
		<category><![CDATA[cash flow planning]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[envelope system]]></category>
		<category><![CDATA[financial problems]]></category>
		<category><![CDATA[four walls]]></category>
		<category><![CDATA[giving]]></category>
		<category><![CDATA[money plan]]></category>
		<category><![CDATA[where the money is going]]></category>
		<category><![CDATA[zero based budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5763</guid>
		<description><![CDATA[This is a series of posts about what you will find in Dave Ramsey&#8217;s Financial Peace University course. This is week three (week one and week two)
The lesson for this week was cash flow planning, also known as budgeting. You could see everybody approaching this lesson with trepidation. Not only does it mean more work, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: It&#8217;s a Strange Time Warp</title>
		<link>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/</link>
		<comments>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 07:01:13 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free life]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[slow pace life]]></category>
		<category><![CDATA[time warp]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5759</guid>
		<description><![CDATA[I&#8217;ve been giving this some thought lately and I&#8217;m beginning to suspect that time moves differently for debt free people than for those with loads of debt. Speaking from my own experience and the experiences of other debt free people that I know, the debt free seem to experience life at a much slower pace [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Complacency Is The Enemy</title>
		<link>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/</link>
		<comments>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 07:01:41 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[apathetic]]></category>
		<category><![CDATA[complacency]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial life]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5738</guid>
		<description><![CDATA[One of the biggest enemies of a debt free life is complacency. Not only is it an enemy, it&#8217;s a very sneaky enemy. When you become complacent (apathetic is another good word for this problem) you relax too much. You stop worrying about where your money is going. You start spending more and more, thinking [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/feed/</wfw:commentRss>
		<slash:comments>5</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>
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