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	<title>Personal Finance Advice &#187; Housing</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
	<lastBuildDate>Thu, 09 Feb 2012 23:57:37 +0000</lastBuildDate>
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		<title>44 Inexpensive Ways to Improve Your Home Inside and Out</title>
		<link>http://www.pfadvice.com/2012/01/23/44-inexpensive-ways-to-improve-your-home-inside-and-out/</link>
		<comments>http://www.pfadvice.com/2012/01/23/44-inexpensive-ways-to-improve-your-home-inside-and-out/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 12:43:08 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[home improvement]]></category>
		<category><![CDATA[home repairs]]></category>
		<category><![CDATA[home upgrades]]></category>
		<category><![CDATA[inexpensive improvements]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8992</guid>
		<description><![CDATA[If you&#8217;ve lived in your house for any length of time, you may find yourself bored by your home. If you watch too many shows on HGTV your own home can start to look unappealing by contrast. Maybe you&#8217;re tired of the carpet or paint colors, you hate the yard, or you&#8217;re frustrated by the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/23/44-inexpensive-ways-to-improve-your-home-inside-and-out/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Smoking Costs Much More Than The Price of Cigarettes</title>
		<link>http://www.pfadvice.com/2011/11/26/smoking-costs-much-more-than-cigarette-costs/</link>
		<comments>http://www.pfadvice.com/2011/11/26/smoking-costs-much-more-than-cigarette-costs/#comments</comments>
		<pubDate>Sat, 26 Nov 2011 20:56:29 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Medical]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[cost of bad habits]]></category>
		<category><![CDATA[cost of cigarettes]]></category>
		<category><![CDATA[cost of smoking]]></category>
		<category><![CDATA[devalued assets]]></category>
		<category><![CDATA[smell of smoke]]></category>
		<category><![CDATA[smoker assets]]></category>
		<category><![CDATA[smoker insurance rates]]></category>
		<category><![CDATA[smoking]]></category>
		<category><![CDATA[smoking costs]]></category>
		<category><![CDATA[stop smoking]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8242</guid>
		<description><![CDATA[Most people only consider the cost of cigarettes when they calculate how much smoking is costing them. It&#8217;s easy to calculate this cost as you know exactly how much you are handing over in cash for each pack of cigarettes you purchase. The truth, however, is that the cost of cigarettes is only a small [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/26/smoking-costs-much-more-than-cigarette-costs/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What to Expect When Getting Pre-Approved for a Mortgage</title>
		<link>http://www.pfadvice.com/2011/11/12/what-to-expect-when-getting-pre-approved-for-a-mortgage/</link>
		<comments>http://www.pfadvice.com/2011/11/12/what-to-expect-when-getting-pre-approved-for-a-mortgage/#comments</comments>
		<pubDate>Sat, 12 Nov 2011 17:12:26 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[finding mortgage broker]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage paperwork]]></category>
		<category><![CDATA[pre-approved mortgage]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8061</guid>
		<description><![CDATA[This is a guest post from Little Miss Moneybags If you&#8217;re house-hunting, a mortgage pre-approval is a great thing to have in your back pocket. It shows real estate agents and sellers that you&#8217;re serious, and can help move the final home-buying process along much more quickly. Here&#8217;s an overview of how to get pre-approved, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/12/what-to-expect-when-getting-pre-approved-for-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Curb Appeal Doesn&#8217;t Have to Be Expensive</title>
		<link>http://www.pfadvice.com/2011/11/08/curb-appeal-doesnt-have-to-be-expensive/</link>
		<comments>http://www.pfadvice.com/2011/11/08/curb-appeal-doesnt-have-to-be-expensive/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 17:23:03 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[attractive home]]></category>
		<category><![CDATA[clean fixtures]]></category>
		<category><![CDATA[clean front yard]]></category>
		<category><![CDATA[curb appeal]]></category>
		<category><![CDATA[kill weeds]]></category>
		<category><![CDATA[mow lawn]]></category>
		<category><![CDATA[paint house]]></category>
		<category><![CDATA[paint shutters]]></category>
		<category><![CDATA[rake lawn]]></category>
		<category><![CDATA[selling a house]]></category>
		<category><![CDATA[trim shrubs]]></category>
		<category><![CDATA[wash a house]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7997</guid>
		<description><![CDATA[In the last year, quite a few houses have gone up for sale in my neighborhood. Several have sold and several have languished. While price plays a big role in what sells and how quickly, most of the houses that languished in my neighborhood were priced competitively. So what made them unappealing to buyers? One [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/08/curb-appeal-doesnt-have-to-be-expensive/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Tiny Housing: Strange Ways to Save Money</title>
		<link>http://www.pfadvice.com/2011/09/16/tiny-housing-strange-ways-to-save-money/</link>
		<comments>http://www.pfadvice.com/2011/09/16/tiny-housing-strange-ways-to-save-money/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 17:15:37 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[camper house]]></category>
		<category><![CDATA[freight car house]]></category>
		<category><![CDATA[small houses]]></category>
		<category><![CDATA[storage shed house]]></category>
		<category><![CDATA[tiny house blog]]></category>
		<category><![CDATA[tiny houses]]></category>
		<category><![CDATA[unconventional house]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7709</guid>
		<description><![CDATA[I may be late to the party, but I discovered the Tiny House Blog the other day. The author features all kinds of tiny houses, including homes made from storage sheds, campers, freight cars, and other unconventional materials. At first glance, you probably think, as I did, &#8220;How can anyone live in a space that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/09/16/tiny-housing-strange-ways-to-save-money/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Alternative Furnishings: Strange Ways to Save Money</title>
		<link>http://www.pfadvice.com/2011/09/01/alternative-furnishings-strange-ways-to-save-money/</link>
		<comments>http://www.pfadvice.com/2011/09/01/alternative-furnishings-strange-ways-to-save-money/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 17:48:37 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[alternative furnishings]]></category>
		<category><![CDATA[build you own furniture]]></category>
		<category><![CDATA[flea market furniture]]></category>
		<category><![CDATA[furniture]]></category>
		<category><![CDATA[plastic furniture]]></category>
		<category><![CDATA[salvaged furniture]]></category>
		<category><![CDATA[thrift store]]></category>
		<category><![CDATA[used furniture]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7655</guid>
		<description><![CDATA[Furniture is expensive. Even &#8220;cheap&#8221; furniture is expensive, and if you want high quality furniture prepare for sticker shock. While many people have an ultimate goal of having a nicely furnished home, some people don&#8217;t share that desire or have the means to pay for expensive furniture. Those just starting out likely don&#8217;t have the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/09/01/alternative-furnishings-strange-ways-to-save-money/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>A Cautionary Tale About Legalities, Saving For The Future, and Insurance</title>
		<link>http://www.pfadvice.com/2011/06/14/a-cautionary-tale-about-legalities-saving-for-the-future-and-insurance/</link>
		<comments>http://www.pfadvice.com/2011/06/14/a-cautionary-tale-about-legalities-saving-for-the-future-and-insurance/#comments</comments>
		<pubDate>Tue, 14 Jun 2011 09:12:37 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[flood insurance]]></category>
		<category><![CDATA[house taxes]]></category>
		<category><![CDATA[land not owned]]></category>
		<category><![CDATA[losing your home]]></category>
		<category><![CDATA[rent free]]></category>
		<category><![CDATA[tax free]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7353</guid>
		<description><![CDATA[A friend of mine told me a sad story yesterday. Her parents are going to have to move in with her sister who lives in a different state. I assumed that the reason was because the parents had become frail or because they wanted to be nearer to their grandkids. But, no. The reason the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/06/14/a-cautionary-tale-about-legalities-saving-for-the-future-and-insurance/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Adjusting to a Pay Cut</title>
		<link>http://www.pfadvice.com/2011/05/23/adjusting-to-a-pay-cut/</link>
		<comments>http://www.pfadvice.com/2011/05/23/adjusting-to-a-pay-cut/#comments</comments>
		<pubDate>Mon, 23 May 2011 09:18:49 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[downsizing]]></category>
		<category><![CDATA[living on less]]></category>
		<category><![CDATA[move]]></category>
		<category><![CDATA[new emplyment]]></category>
		<category><![CDATA[pay cut]]></category>
		<category><![CDATA[taking a pay cut]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7288</guid>
		<description><![CDATA[Last week I wrote about cases where taking a pay cut might make sense. This week I want to give some suggestions for how you can adjust to a decrease in pay. Some pay cuts will require no adjustment, or very little. If you take a pay cut but get a shorter commute, move to [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/05/23/adjusting-to-a-pay-cut/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Reminder of What Matters</title>
		<link>http://www.pfadvice.com/2011/04/25/a-reminder-of-what-matters/</link>
		<comments>http://www.pfadvice.com/2011/04/25/a-reminder-of-what-matters/#comments</comments>
		<pubDate>Mon, 25 Apr 2011 09:19:32 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[emergenct fund]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[important things in life]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[property insurance]]></category>
		<category><![CDATA[stuff can be replaced]]></category>
		<category><![CDATA[what matters]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7142</guid>
		<description><![CDATA[Normally I write about ways to save and make money. It&#8217;s a necessary part of life, particularly if you want to live responsibly and well. But today I am reminded that, while money may matter, it is far from the most important thing in life. My area was hit by deadly tornadoes this week. The [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/04/25/a-reminder-of-what-matters/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Inexpensive Septic Tank Care</title>
		<link>http://www.pfadvice.com/2011/04/01/inexpensive-septic-tank-care/</link>
		<comments>http://www.pfadvice.com/2011/04/01/inexpensive-septic-tank-care/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 13:38:27 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Rid-X]]></category>
		<category><![CDATA[septic tank]]></category>
		<category><![CDATA[septic tank bacteria]]></category>
		<category><![CDATA[septic tank care]]></category>
		<category><![CDATA[septic tank pumping]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7076</guid>
		<description><![CDATA[Many people mistakenly believe that caring for a septic tank is expensive. I&#8217;ve seen several people refuse to buy houses that they loved because they had septic tanks. There is an illusion (perpetuated by the people who want you to buy chemicals and have your tank pumped) that you have to buy all kinds of [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/04/01/inexpensive-septic-tank-care/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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