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	<title>Personal Finance Advice</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
	<pubDate>Wed, 19 Nov 2008 08:01:06 +0000</pubDate>
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			<item>
		<title>Do What You Know</title>
		<link>http://www.pfadvice.com/2008/11/19/do-what-you-kno/</link>
		<comments>http://www.pfadvice.com/2008/11/19/do-what-you-kno/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 08:01:06 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
		
		<category><![CDATA[Making Money]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Work]]></category>

		<category><![CDATA[do what you know]]></category>

		<category><![CDATA[Entrepreneurship]]></category>

		<category><![CDATA[freelance]]></category>

		<category><![CDATA[home business]]></category>

		<category><![CDATA[job hunting]]></category>

		<category><![CDATA[start-up company]]></category>

		<category><![CDATA[writing]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3373</guid>
		<description><![CDATA[I recently mentioned Martha, my trash-exploring next door neighbor when I was a child.  Martha always found creative ways to make money, whether it was through her yard sales, plant sales or barn-based general store.  She made money on her crafts and her preserves.  If she touched it, she found a way [...]]]></description>
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		<title>My Tipping Philosophy</title>
		<link>http://www.pfadvice.com/2008/11/18/tipping-philosophy/</link>
		<comments>http://www.pfadvice.com/2008/11/18/tipping-philosophy/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 15:01:32 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[customary tip]]></category>

		<category><![CDATA[mediocre service]]></category>

		<category><![CDATA[restaurant tipping]]></category>

		<category><![CDATA[standard tip]]></category>

		<category><![CDATA[tip jars]]></category>

		<category><![CDATA[tipping]]></category>

		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3310</guid>
		<description><![CDATA[When I was a boy, tipping in a restaurant was always a discretionary expense.  As a general rule, one was expected to tip 15% of the pre-tax bill as long as good service and good food was delivered.  I lived in a state with a 5% meals tax so calculating the tip for [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/18/tipping-philosophy/feed/</wfw:commentRss>
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		<item>
		<title>Get Your Budget to Work: Stop Caring</title>
		<link>http://www.pfadvice.com/2008/11/18/get-budget-to-work/</link>
		<comments>http://www.pfadvice.com/2008/11/18/get-budget-to-work/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 08:01:03 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
		
		<category><![CDATA[Budgeting]]></category>

		<category><![CDATA[Debt]]></category>

		<category><![CDATA[Frugal]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Saving Money]]></category>

		<category><![CDATA[budget]]></category>

		<category><![CDATA[budget categories]]></category>

		<category><![CDATA[budget failure]]></category>

		<category><![CDATA[checking account]]></category>

		<category><![CDATA[savings]]></category>

		<category><![CDATA[splurge]]></category>

		<category><![CDATA[strict budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3377</guid>
		<description><![CDATA[I&#8217;m sure you&#8217;ve heard that if you want to be successful in getting or staying out of debt, you should craft a budget and stick to it. Does this really work? I suppose for some people it does, but it&#8217;s really never worked for me. That is until I stopped caring so much.
The problem for [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/18/get-budget-to-work/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Feeling Better Without Spending a Lot of Money</title>
		<link>http://www.pfadvice.com/2008/11/17/feeling-better-without-spending-a-lot-of-money/</link>
		<comments>http://www.pfadvice.com/2008/11/17/feeling-better-without-spending-a-lot-of-money/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 16:01:00 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
		
		<category><![CDATA[Entertainment]]></category>

		<category><![CDATA[Frugal]]></category>

		<category><![CDATA[Health]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Relationships]]></category>

		<category><![CDATA[Saving Money]]></category>

		<category><![CDATA[depressed]]></category>

		<category><![CDATA[feeling better]]></category>

		<category><![CDATA[happiness]]></category>

		<category><![CDATA[how to feel better]]></category>

		<category><![CDATA[self motivation]]></category>

		<category><![CDATA[spending money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3344</guid>
		<description><![CDATA[In my house we&#8217;ve had a tough couple of months with deaths, health scares, and general work-related stress. We&#8217;ve been tired, sad, and angry. There&#8217;s been a definite need in this house to feel better. We&#8217;ve needed some cheering up and calming down. In our spendier days we would have gone out to eat, gone [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/17/feeling-better-without-spending-a-lot-of-money/feed/</wfw:commentRss>
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		<title>Martha&#8217;s in the Trash Again</title>
		<link>http://www.pfadvice.com/2008/11/17/martha%e2%80%99s-in-the-trash-again/</link>
		<comments>http://www.pfadvice.com/2008/11/17/martha%e2%80%99s-in-the-trash-again/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 08:01:59 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
		
		<category><![CDATA[Frugal]]></category>

		<category><![CDATA[Making Money]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Relationships]]></category>

		<category><![CDATA[Saving Money]]></category>

		<category><![CDATA[box tops]]></category>

		<category><![CDATA[dumpster diving]]></category>

		<category><![CDATA[earn extra money]]></category>

		<category><![CDATA[rebates]]></category>

		<category><![CDATA[save money]]></category>

		<category><![CDATA[trash rummaging]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3371</guid>
		<description><![CDATA[I grew up in a small town to the North of Boston, Massachusetts.  When I was very young, it was the epitome of a quiet New England town with hundreds of years of history.   My family lived next door to Martha and Dick T., a delightful couple who were somewhat older than [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/17/martha%e2%80%99s-in-the-trash-again/feed/</wfw:commentRss>
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		<title>Eleven Ways to Use Baking Soda Instead of Commercial Cleaners</title>
		<link>http://www.pfadvice.com/2008/11/16/baking-soda-instead-of-commercial-cleaners/</link>
		<comments>http://www.pfadvice.com/2008/11/16/baking-soda-instead-of-commercial-cleaners/#comments</comments>
		<pubDate>Sun, 16 Nov 2008 07:01:17 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
		
		<category><![CDATA[Food / Groceries]]></category>

		<category><![CDATA[Frugal]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Saving Money]]></category>

		<category><![CDATA[baking soda]]></category>

		<category><![CDATA[environmentally friendly cleaner]]></category>

		<category><![CDATA[flavor transfer]]></category>

		<category><![CDATA[inexpensive cleaner]]></category>

		<category><![CDATA[sodium bicarbonate]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3295</guid>
		<description><![CDATA[Baking Soda is a versatile, environmentally friendly and inexpensive product that belongs not only with your baking ingredients but in a lot of places throughout your house.   Baking soda – sodium bicarbonate if you are a chemist – is a leavening agent, hence its use in baking, but it is also useful as [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/16/baking-soda-instead-of-commercial-cleaners/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Share The Wealth?</title>
		<link>http://www.pfadvice.com/2008/11/15/share-the-wealth/</link>
		<comments>http://www.pfadvice.com/2008/11/15/share-the-wealth/#comments</comments>
		<pubDate>Sat, 15 Nov 2008 13:01:22 +0000</pubDate>
		<dc:creator>M. Beddingfield</dc:creator>
		
		<category><![CDATA[Holidays]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Relationships]]></category>

		<category><![CDATA[community service]]></category>

		<category><![CDATA[personal responsibility]]></category>

		<category><![CDATA[share the wealth]]></category>

		<category><![CDATA[sharing wealth]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3302</guid>
		<description><![CDATA[We must understand the word, wealth. The dictionary defines the word, wealth, as the state of having plenty of money or possessions. Ok, what does plenty mean? An adequate or more than adequate amount. Would you say that you are wealthy? Probably not. Would you say that you have an adequate amount to get by [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/15/share-the-wealth/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Weekend Personal Finance Reading</title>
		<link>http://www.pfadvice.com/2008/11/15/weekend-personal-finance-reading-2/</link>
		<comments>http://www.pfadvice.com/2008/11/15/weekend-personal-finance-reading-2/#comments</comments>
		<pubDate>Sat, 15 Nov 2008 09:00:00 +0000</pubDate>
		<dc:creator>pfadvice</dc:creator>
		
		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[personal finance reading]]></category>

		<category><![CDATA[weekend reading]]></category>

		<category><![CDATA[weekly reading]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3367</guid>
		<description><![CDATA[Weekend reading is a round-up of personal finance and money related stories that caught the eye of our forum members this week:

 The Economy: Hundreds Line Up For Jobs At New In-N-Out
 GM failure: The shockwave
 Homeowner denial: My home is gaining value
 Whitehead sees slump worse than Depression
 Banks raising fees&#8211;again!
 American buying binge [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/15/weekend-personal-finance-reading-2/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What AC/DC can teach us about personal finance</title>
		<link>http://www.pfadvice.com/2008/11/14/what-acdc-can-teach-us-about-personal-finance/</link>
		<comments>http://www.pfadvice.com/2008/11/14/what-acdc-can-teach-us-about-personal-finance/#comments</comments>
		<pubDate>Fri, 14 Nov 2008 07:01:00 +0000</pubDate>
		<dc:creator>Joe Morgan</dc:creator>
		
		<category><![CDATA[Making Money]]></category>

		<category><![CDATA[Personal Finance]]></category>

		<category><![CDATA[Work]]></category>

		<category><![CDATA[AC/DC]]></category>

		<category><![CDATA[Angus Young]]></category>

		<category><![CDATA[Atlantic Records]]></category>

		<category><![CDATA[Back in Black]]></category>

		<category><![CDATA[Billboard Hard Rock]]></category>

		<category><![CDATA[Black Ice]]></category>

		<category><![CDATA[Bon Scott]]></category>

		<category><![CDATA[Brian Johnson]]></category>

		<category><![CDATA[financial hardship]]></category>

		<category><![CDATA[High Voltage]]></category>

		<category><![CDATA[Malcolm Young]]></category>

		<category><![CDATA[Phil Rudd]]></category>

		<category><![CDATA[school boy uniform]]></category>

		<category><![CDATA[The Razor's Edge]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3277</guid>
		<description><![CDATA[AC/DC released their first album in 8 years on October 20th, 2008 and within a week, Black Ice hit number one on the Billboard Hard Rock chart. They have sold over 200 million albums worldwide. They were ranked number 4 in the &#8220;100 Greatest Artists of Hard Rock&#8221; list from VH1 and 7th on MTV&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/14/what-acdc-can-teach-us-about-personal-finance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Store Loyalty in a Down Economy</title>
		<link>http://www.pfadvice.com/2008/11/13/store-loyalty-in-a-down-economy/</link>
		<comments>http://www.pfadvice.com/2008/11/13/store-loyalty-in-a-down-economy/#comments</comments>
		<pubDate>Thu, 13 Nov 2008 16:01:13 +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[brand loyal]]></category>

		<category><![CDATA[good shopping experience]]></category>

		<category><![CDATA[low price]]></category>

		<category><![CDATA[shopping online]]></category>

		<category><![CDATA[store atmosphere]]></category>

		<category><![CDATA[store loyal]]></category>

		<category><![CDATA[store snob]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3265</guid>
		<description><![CDATA[I am not brand loyal, save for a very few specific products that, through trial and error, I have determined that only one brand best suits my needs. Generally I could care less who makes something as long as the quality, features, taste and/or price suit my needs. However, I have discovered that I am [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/11/13/store-loyalty-in-a-down-economy/feed/</wfw:commentRss>
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