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	<title>Personal Finance Advice &#187; Utilities</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>Get More Money Without a Second Job</title>
		<link>http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/</link>
		<comments>http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 07:01:17 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[car payments]]></category>
		<category><![CDATA[common fixed expenses]]></category>
		<category><![CDATA[debt payments]]></category>
		<category><![CDATA[fixed expenses]]></category>
		<category><![CDATA[food]]></category>
		<category><![CDATA[fuel]]></category>
		<category><![CDATA[more money]]></category>
		<category><![CDATA[mortgage payment]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[second job]]></category>
		<category><![CDATA[services]]></category>
		<category><![CDATA[utility bills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5535</guid>
		<description><![CDATA[When thoughts turn to getting more cash every month, many people assume that they&#8217;ll have to take a second job. That may be true. If your financial situation is dire or if you have your heart set on some big ticket item, a second job may be the only way to get to the necessary [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/10/get-more-money-without-a-second-job/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Lost Cellphone: What Do You Do?</title>
		<link>http://www.pfadvice.com/2009/12/03/lost-cellphone-what-do-you-do/</link>
		<comments>http://www.pfadvice.com/2009/12/03/lost-cellphone-what-do-you-do/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 07:01:13 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[call cellphone carrier]]></category>
		<category><![CDATA[cellphone]]></category>
		<category><![CDATA[contact police]]></category>
		<category><![CDATA[deactivate cellphone]]></category>
		<category><![CDATA[lost cellphone]]></category>
		<category><![CDATA[minimize damage of lost cell phone]]></category>
		<category><![CDATA[new cellphone]]></category>
		<category><![CDATA[new SIM card]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5490</guid>
		<description><![CDATA[It was bound to happen someday. I lost my cell phone the other day. I had it in the side pocket of my car door. At some point while running errands it must have fallen out and I didn&#8217;t notice until I got home. I retraced my steps but I couldn&#8217;t find my phone. I [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/03/lost-cellphone-what-do-you-do/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>I Enjoy Being Poor</title>
		<link>http://www.pfadvice.com/2009/08/29/i-enjoy-being-poor/</link>
		<comments>http://www.pfadvice.com/2009/08/29/i-enjoy-being-poor/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 07:01:52 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[being poor]]></category>
		<category><![CDATA[family time]]></category>
		<category><![CDATA[lack of money]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[things I learned]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5094</guid>
		<description><![CDATA[By Maureen K.
If you had asked me a year ago if I would like being poor, I would have called you crazy. Both my husband and I had just lost our jobs and we were just coming to the realization that we were no longer going to be able to live the life of luxury [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/08/29/i-enjoy-being-poor/feed/</wfw:commentRss>
		<slash:comments>15</slash:comments>
		</item>
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		<title>Keeping Cool This Summer</title>
		<link>http://www.pfadvice.com/2009/08/15/keeping-cool-this-summer/</link>
		<comments>http://www.pfadvice.com/2009/08/15/keeping-cool-this-summer/#comments</comments>
		<pubDate>Sat, 15 Aug 2009 07:01:04 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[air conditioning]]></category>
		<category><![CDATA[attic fans]]></category>
		<category><![CDATA[ceiling fans]]></category>
		<category><![CDATA[draw shades]]></category>
		<category><![CDATA[staying cool]]></category>
		<category><![CDATA[summer heat]]></category>
		<category><![CDATA[swimming pools]]></category>
		<category><![CDATA[turn off appliances]]></category>
		<category><![CDATA[turn off lights]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5020</guid>
		<description><![CDATA[It is the middle of August.  That means that if you live anywhere in the continental United States, it is probably a lot hotter outside than you would like.  With temperatures in the 90’s and 100’s across much of America, staying cool becomes a very serious pursuit.  Staying cool without breaking the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/08/15/keeping-cool-this-summer/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>The Death of FICO?</title>
		<link>http://www.pfadvice.com/2009/04/16/the-death-of-fico/</link>
		<comments>http://www.pfadvice.com/2009/04/16/the-death-of-fico/#comments</comments>
		<pubDate>Thu, 16 Apr 2009 07:01:25 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[available credit]]></category>
		<category><![CDATA[credit risk]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit worthiness]]></category>
		<category><![CDATA[death of FICO]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[low credit score]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4374</guid>
		<description><![CDATA[Last week, Sadie wrote about how debt free living means not being a slave to a FICO score. In the article, she pointed out that FICO has become such an integral part of our lives that even the debt free can’t ignore the score completely, which is annoying, at best. But I’ve been giving it [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/04/16/the-death-of-fico/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Ways I Don&#8217;t Follow Common Financial Advice and Still Save Money</title>
		<link>http://www.pfadvice.com/2009/01/02/ways-i-dont-follow-common-financial-advice-and-still-save-money/</link>
		<comments>http://www.pfadvice.com/2009/01/02/ways-i-dont-follow-common-financial-advice-and-still-save-money/#comments</comments>
		<pubDate>Fri, 02 Jan 2009 11:40:53 +0000</pubDate>
		<dc:creator>M. Beddingfield</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[Utilities]]></category>
		<category><![CDATA[average bill planning]]></category>
		<category><![CDATA[buying in bulk]]></category>
		<category><![CDATA[Coupons]]></category>
		<category><![CDATA[eating out]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[heating bill]]></category>
		<category><![CDATA[thermostat]]></category>
		<category><![CDATA[turn off lights]]></category>
		<category><![CDATA[washing clothes]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3759</guid>
		<description><![CDATA[I’ve never been much of a follower. Even as a youngster, I had to find my own way to do things, even if they didn’t measure up to what everyone else was doing. As a single parent for many years, I learned a few things the hard way. I learned not to follow common financial [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/01/02/ways-i-dont-follow-common-financial-advice-and-still-save-money/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>11 Ways To Avoid Turning On The Furnace</title>
		<link>http://www.pfadvice.com/2009/01/01/11-ways-to-avoid-turning-on-the-furnace/</link>
		<comments>http://www.pfadvice.com/2009/01/01/11-ways-to-avoid-turning-on-the-furnace/#comments</comments>
		<pubDate>Thu, 01 Jan 2009 08:01:51 +0000</pubDate>
		<dc:creator>Amy L. Fontinelle</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[blankets]]></category>
		<category><![CDATA[furnace]]></category>
		<category><![CDATA[heating your house]]></category>
		<category><![CDATA[hot shower]]></category>
		<category><![CDATA[save money on heating]]></category>
		<category><![CDATA[snuggle with pets]]></category>
		<category><![CDATA[space heater]]></category>
		<category><![CDATA[stay active]]></category>
		<category><![CDATA[warm drinks]]></category>
		<category><![CDATA[wear a hat]]></category>
		<category><![CDATA[wear layers]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3704</guid>
		<description><![CDATA[Whether your furnace is broken or you’re just looking to save a buck, you might be surprised at how well you can get along without heat. Here are some simple and inexpensive ways to make cold days and nights more comfortable without touching the thermostat. 
Wear layers: I’m not just talking about wearing a long-sleeved [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/01/01/11-ways-to-avoid-turning-on-the-furnace/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>I Married a Laundry Heretic</title>
		<link>http://www.pfadvice.com/2008/12/17/i-married-a-laundry-heretic/</link>
		<comments>http://www.pfadvice.com/2008/12/17/i-married-a-laundry-heretic/#comments</comments>
		<pubDate>Wed, 17 Dec 2008 08:01:48 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[laundry]]></category>
		<category><![CDATA[overwashing]]></category>
		<category><![CDATA[save money washing clothes]]></category>
		<category><![CDATA[wash jeans]]></category>
		<category><![CDATA[wash towels]]></category>
		<category><![CDATA[washing clothes]]></category>
		<category><![CDATA[waste energy]]></category>
		<category><![CDATA[wear and tear on clothes]]></category>
		<category><![CDATA[wear once and wash]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3590</guid>
		<description><![CDATA[My wife and I have a fair distribution of labor in our home.  Among other things, I wash and fold the laundry, and my wife puts it all away.  Part of the reason that we arrived at this model for the laundry lies in our fundamental disagreement with respect to what needs to [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/12/17/i-married-a-laundry-heretic/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>Stop Adjusting the Thermostat: Why I Don&#8217;t Turn Down The Heat at Night</title>
		<link>http://www.pfadvice.com/2008/12/15/dont-adjust-thermostat/</link>
		<comments>http://www.pfadvice.com/2008/12/15/dont-adjust-thermostat/#comments</comments>
		<pubDate>Mon, 15 Dec 2008 08:01:05 +0000</pubDate>
		<dc:creator>M. Beddingfield</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[adjust thermostat]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[thermostat]]></category>
		<category><![CDATA[turn down thermostat]]></category>
		<category><![CDATA[winter heating]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3563</guid>
		<description><![CDATA[I tend to be a bit bullheaded at times. Well, maybe more than a bit, but just because everyone else is doing something doesn’t mean it’s the best thing to do.
Take the advice that you hear everywhere about turning down your thermostat. Many people turn down the thermostat when they leave for work or are [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/12/15/dont-adjust-thermostat/feed/</wfw:commentRss>
		<slash:comments>25</slash:comments>
		</item>
		<item>
		<title>Utility Company Discounts Waiting for You</title>
		<link>http://www.pfadvice.com/2008/12/08/utility-company-discounts/</link>
		<comments>http://www.pfadvice.com/2008/12/08/utility-company-discounts/#comments</comments>
		<pubDate>Mon, 08 Dec 2008 08:01:35 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[energystar appliances]]></category>
		<category><![CDATA[HVAC discount]]></category>
		<category><![CDATA[HVAC system]]></category>
		<category><![CDATA[peak energy usage discount]]></category>
		<category><![CDATA[power company]]></category>
		<category><![CDATA[unseasonably cold]]></category>
		<category><![CDATA[utility discounts]]></category>
		<category><![CDATA[winter cold]]></category>
		<category><![CDATA[winter heating]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3492</guid>
		<description><![CDATA[It has been unseasonably cold in Orlando for the past couple of weeks.  Nights have dropped into the thirties and days have rarely made it past 75 degrees.  While that may seem balmy to anyone living north of Florida, trust me when I tell you that I am not used to this kind [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/12/08/utility-company-discounts/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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