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	<title>Personal Finance Advice &#187; Holidays</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>New Year&#8217;s Resolutions That You Have No Realistic Intention Of Keeping</title>
		<link>http://www.pfadvice.com/2010/01/08/new-years-resolutions-that-you-have-no-realistic-intention-of-keeping/</link>
		<comments>http://www.pfadvice.com/2010/01/08/new-years-resolutions-that-you-have-no-realistic-intention-of-keeping/#comments</comments>
		<pubDate>Fri, 08 Jan 2010 07:01:39 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cost of New Year's resolutions]]></category>
		<category><![CDATA[keeping resolutions]]></category>
		<category><![CDATA[New Year]]></category>
		<category><![CDATA[New Year's resolutions]]></category>
		<category><![CDATA[resolution psychology]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5618</guid>
		<description><![CDATA[It&#8217;s January.  If you live anywhere in the USA, you are probably cold right now, at least at the moment of this writing.  That means that you are probably inside and have plenty of time to think about things.  Stop! If you start thinking, you may arrive at a New Year&#8217;s resolution [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/01/08/new-years-resolutions-that-you-have-no-realistic-intention-of-keeping/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
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		<title>iPhone Apps to Help You Keep Your Financial Resolutions</title>
		<link>http://www.pfadvice.com/2010/01/02/iphone-apps-to-help-you-keep-your-financial-resolutions/</link>
		<comments>http://www.pfadvice.com/2010/01/02/iphone-apps-to-help-you-keep-your-financial-resolutions/#comments</comments>
		<pubDate>Sat, 02 Jan 2010 17:38:06 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[20-minute meals]]></category>
		<category><![CDATA[bill minder]]></category>
		<category><![CDATA[CNBC real time]]></category>
		<category><![CDATA[eBay mobile]]></category>
		<category><![CDATA[financial apps]]></category>
		<category><![CDATA[iphone]]></category>
		<category><![CDATA[iPhone apps]]></category>
		<category><![CDATA[iPod touch]]></category>
		<category><![CDATA[iPod touch apps]]></category>
		<category><![CDATA[money apps]]></category>
		<category><![CDATA[New Year's Resolutions apps]]></category>
		<category><![CDATA[paper calc]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5601</guid>
		<description><![CDATA[By C Craig
It&#8217;s that time of year, when we set down promises to make this &#8212; and the coming years &#8212; the best yet. &#8220;I&#8217;ll lose that 10 pounds!&#8221; we promise ourselves, &#8220;Give up late night snacking, get to the gym, and get organized.&#8221; Most of us share a common aspect of New Year&#8217;s resolve: [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/01/02/iphone-apps-to-help-you-keep-your-financial-resolutions/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>The Positive Financial Effects of New Year&#8217;s Resolutions</title>
		<link>http://www.pfadvice.com/2009/12/21/the-positive-financial-effects-of-new-years-resolutions/</link>
		<comments>http://www.pfadvice.com/2009/12/21/the-positive-financial-effects-of-new-years-resolutions/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 07:01:47 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[declutter]]></category>
		<category><![CDATA[financial resolutions]]></category>
		<category><![CDATA[go green]]></category>
		<category><![CDATA[lose weight]]></category>
		<category><![CDATA[money resolutions]]></category>
		<category><![CDATA[New Year's resolutions]]></category>
		<category><![CDATA[quit drinking]]></category>
		<category><![CDATA[quit smoking]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5575</guid>
		<description><![CDATA[We&#8217;re heading toward the time of year when thoughts turn to New Year&#8217;s resolutions. Maybe you&#8217;re making some specific financial resolutions: To get out of debt, save for a home, increase your retirement savings, or cut your grocery spending. Those are great ideas, but even if your resolutions aren&#8217;t specifically financial, your hard work to [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/21/the-positive-financial-effects-of-new-years-resolutions/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>What Do You Really Remember About Christmas?</title>
		<link>http://www.pfadvice.com/2009/12/17/what-do-you-really-remember-about-christmas/</link>
		<comments>http://www.pfadvice.com/2009/12/17/what-do-you-really-remember-about-christmas/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 07:01:16 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[anticipation]]></category>
		<category><![CDATA[Christmas cookies]]></category>
		<category><![CDATA[Christmas eve]]></category>
		<category><![CDATA[Christmas party]]></category>
		<category><![CDATA[Christmas shopping]]></category>
		<category><![CDATA[Christmas to remember]]></category>
		<category><![CDATA[decorating the tree]]></category>
		<category><![CDATA[expensive Christmas gifts]]></category>
		<category><![CDATA[gift exchange]]></category>
		<category><![CDATA[grandma's house]]></category>
		<category><![CDATA[kid's table]]></category>
		<category><![CDATA[Santa]]></category>
		<category><![CDATA[Xmas shopping]]></category>
		<category><![CDATA[Zhu Zhu pets]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5554</guid>
		<description><![CDATA[I had to go out the other day to run some errands and I got caught in the Christmas shopping rush. At Target, people were pushing carts heaped with toys through the aisles and there was a beat down going on in the toy department over a shipment of Zhu Zhu pets. I overheard someone [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/17/what-do-you-really-remember-about-christmas/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Too Old for Gifts, But Not for Christmas</title>
		<link>http://www.pfadvice.com/2009/12/09/christmas/</link>
		<comments>http://www.pfadvice.com/2009/12/09/christmas/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 07:01:29 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Christmas gifts]]></category>
		<category><![CDATA[Christmas presents]]></category>
		<category><![CDATA[Christmas shopping]]></category>
		<category><![CDATA[difficult to give]]></category>
		<category><![CDATA[gift giving]]></category>
		<category><![CDATA[gifts]]></category>
		<category><![CDATA[presents]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5545</guid>
		<description><![CDATA[Christmas is less than three weeks away.  In past years, I would have completed my shopping by now.  Indeed, in past years my shopping has always been done by about the middle of October.  This year presents new challenges and I don’t know what to do about them.  My kids are [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/09/christmas/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>The Perils of Pre-Paid Gift Cards</title>
		<link>http://www.pfadvice.com/2009/11/19/the-perils-of-pre-paid-gift-cards/</link>
		<comments>http://www.pfadvice.com/2009/11/19/the-perils-of-pre-paid-gift-cards/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 07:01:40 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[gift card expiration dates]]></category>
		<category><![CDATA[gift card fees]]></category>
		<category><![CDATA[gift cards]]></category>
		<category><![CDATA[gift credit cards]]></category>
		<category><![CDATA[holiday season gifts]]></category>
		<category><![CDATA[MasterCard]]></category>
		<category><![CDATA[prepaid debt cards]]></category>
		<category><![CDATA[prepaid gift cards]]></category>
		<category><![CDATA[store value cards]]></category>
		<category><![CDATA[swipe fees]]></category>
		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5410</guid>
		<description><![CDATA[As we head into the holiday season and start looking for gifts to give to those hard to buy for people, gift cards stand out as easy gifts that everyone enjoys. But if you&#8217;re thinking of giving a pre-paid gift card that&#8217;s branded with a credit card logo, you might want to think of another [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/19/the-perils-of-pre-paid-gift-cards/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Christmas In a Down Economy</title>
		<link>http://www.pfadvice.com/2009/11/12/christmas-in-a-down-economy/</link>
		<comments>http://www.pfadvice.com/2009/11/12/christmas-in-a-down-economy/#comments</comments>
		<pubDate>Thu, 12 Nov 2009 07:01:03 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[budget Christmas]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas marketing]]></category>
		<category><![CDATA[down economy]]></category>
		<category><![CDATA[frugal Christmas]]></category>
		<category><![CDATA[frugal Christmas gifts]]></category>
		<category><![CDATA[frugal holiday season]]></category>
		<category><![CDATA[Frugal holidays]]></category>
		<category><![CDATA[xmas]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5388</guid>
		<description><![CDATA[Now that Halloween is over, the retailers have removed the gloves and stopped pretending like any other holiday matters. It&#8217;s now full speed ahead to Christmas. Usually I dread this time of year. 
I enjoy Christmas itself but I hate all the trappings that go along with it. I hate the marketing hype and the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/12/christmas-in-a-down-economy/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Celebrate Veteran&#8217;s Day</title>
		<link>http://www.pfadvice.com/2009/11/11/celebrate-veterans-day/</link>
		<comments>http://www.pfadvice.com/2009/11/11/celebrate-veterans-day/#comments</comments>
		<pubDate>Wed, 11 Nov 2009 08:00:36 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[first world war]]></category>
		<category><![CDATA[Korean war]]></category>
		<category><![CDATA[military families]]></category>
		<category><![CDATA[military service]]></category>
		<category><![CDATA[military veteran]]></category>
		<category><![CDATA[November 11]]></category>
		<category><![CDATA[nursing home]]></category>
		<category><![CDATA[Veteran's Day]]></category>
		<category><![CDATA[veteran's hospital]]></category>
		<category><![CDATA[world war II]]></category>
		<category><![CDATA[world war one]]></category>
		<category><![CDATA[WW1]]></category>
		<category><![CDATA[WWII]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5368</guid>
		<description><![CDATA[On the eleventh hour of the eleventh day of the eleventh month of 1918, the War to End All Wars finally drew to a close when the combatant nations signed an armistice to end the First World War.  That event was commemorated for the first time on November 11, 1919.  Over the years [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/11/celebrate-veterans-day/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Fall Fun At Little Cost</title>
		<link>http://www.pfadvice.com/2009/10/01/fall-fun-at-little-cost/</link>
		<comments>http://www.pfadvice.com/2009/10/01/fall-fun-at-little-cost/#comments</comments>
		<pubDate>Thu, 01 Oct 2009 07:01:05 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Autumn fun]]></category>
		<category><![CDATA[Fall fun]]></category>
		<category><![CDATA[make a Halloween costume]]></category>
		<category><![CDATA[make a scarecrow]]></category>
		<category><![CDATA[make apple dolls]]></category>
		<category><![CDATA[make leaf rubbings]]></category>
		<category><![CDATA[play football]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[visit a cemetary]]></category>
		<category><![CDATA[walk in the woods]]></category>
		<category><![CDATA[working farm]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5253</guid>
		<description><![CDATA[I love October, as it starts my favorite three months of the year:  autumn weather, the beautiful transition from the final days of summer weather to the first days of winter, Halloween, Thanksgiving and Christmas!  There is not a better ninety days in the calendar.
Unfortunately, over the past few decades, the consumerism that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/10/01/fall-fun-at-little-cost/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Save Money Vacationing with a Child</title>
		<link>http://www.pfadvice.com/2009/09/26/save-money-vacationing-with-a-child/</link>
		<comments>http://www.pfadvice.com/2009/09/26/save-money-vacationing-with-a-child/#comments</comments>
		<pubDate>Sat, 26 Sep 2009 07:01:53 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[saving money on vacation]]></category>
		<category><![CDATA[traveling with kids]]></category>
		<category><![CDATA[vacation]]></category>
		<category><![CDATA[vacation with children]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5235</guid>
		<description><![CDATA[As I write this, the final days of summer are winding down in the Northern Hemisphere.  Autumn is upon us and most of us are looking forward to cooler weather, football and Halloween.  It will be December before we know it and Christmas, Hanukkah, Kwanzaa and New Year’s Eve will occupy our thoughts [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/09/26/save-money-vacationing-with-a-child/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
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