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	<title>Personal Finance Advice &#187; Saving Money</title>
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	<description>Bridging the gap between saving money and investing</description>
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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>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 4</title>
		<link>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/</link>
		<comments>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 07:01:21 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[15 year mortgage]]></category>
		<category><![CDATA[30 year mortgage]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debit cards]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[gazelle intense]]></category>
		<category><![CDATA[money myths]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5790</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 four (week one &#8212; week two and week three)
This week&#8217;s lesson focused on getting out of debt. We&#8217;re getting to the meat of the plan now, and I was eager to hear Dave&#8217;s ideas [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
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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>The Advantages of a Simple Plan</title>
		<link>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/</link>
		<comments>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 07:47:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[making things simple]]></category>
		<category><![CDATA[not complicated]]></category>
		<category><![CDATA[simple]]></category>
		<category><![CDATA[simple budget]]></category>
		<category><![CDATA[simple financial plan]]></category>
		<category><![CDATA[uncomplicated]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5756</guid>
		<description><![CDATA[When people set out to make a budget or adhere to a financial plan, they sometimes make things so complicated that they have no chance of success. They set up accounts at many institutions, they open ten credit cards to maximize the rewards, they make too many rules about what can and cannot be bought, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Good Reasons To Spend Money</title>
		<link>http://www.pfadvice.com/2010/02/27/good-reasons-to-spend-money/</link>
		<comments>http://www.pfadvice.com/2010/02/27/good-reasons-to-spend-money/#comments</comments>
		<pubDate>Sun, 28 Feb 2010 03:29:52 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[how to spend money]]></category>
		<category><![CDATA[spend money]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[spending wisely]]></category>
		<category><![CDATA[Tavalon Tea]]></category>
		<category><![CDATA[tea]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5766</guid>
		<description><![CDATA[There are a lot of reasons to spend money and each of us has his or her own.  Our attitudes and perspectives are forged over lifetimes spent earning and spending and enjoying and regretting.  I can look at any number of purchases and feel that I have made a good buying decision.  [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/27/good-reasons-to-spend-money/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University: Week Two</title>
		<link>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/</link>
		<comments>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 07:01:13 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[active role]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[family finances]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[money and relationships]]></category>
		<category><![CDATA[money fights]]></category>
		<category><![CDATA[quickie budget]]></category>
		<category><![CDATA[spending habits]]></category>
		<category><![CDATA[teaching kids about money]]></category>
		<category><![CDATA[tithing]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5740</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 two (week one)
This week&#8217;s lesson is about money and relationships. I was excited about this week because relationships are something that everyone has to deal with, no matter how much money they do or [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
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