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	<title>Personal Finance Advice &#187; down economy</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<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>
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		<slash:comments>8</slash:comments>
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		<title>Brother, Can You Spare Some Time?</title>
		<link>http://www.pfadvice.com/2009/01/17/community-volunteer/</link>
		<comments>http://www.pfadvice.com/2009/01/17/community-volunteer/#comments</comments>
		<pubDate>Sat, 17 Jan 2009 14:01:09 +0000</pubDate>
		<dc:creator>Jennifer Touchette</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[community work]]></category>
		<category><![CDATA[down economy]]></category>
		<category><![CDATA[public service]]></category>
		<category><![CDATA[tax shortfall]]></category>
		<category><![CDATA[volunteer]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3831</guid>
		<description><![CDATA[With this downturning economy, even governments are having a hard time. My own city is facing at least a $4 million dollar decrease in revenues, and my state is facing more than $140 million in shortfalls. One alternative to getting out of the situation is to raise taxes, a solution that no one likes. Thus, [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Liquidation Sale Risks: Often Not the Deal They Appear to Be</title>
		<link>http://www.pfadvice.com/2008/12/18/liquidation-sale-risks/</link>
		<comments>http://www.pfadvice.com/2008/12/18/liquidation-sale-risks/#comments</comments>
		<pubDate>Thu, 18 Dec 2008 08:01:02 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bargains]]></category>
		<category><![CDATA[blowout prices]]></category>
		<category><![CDATA[down economy]]></category>
		<category><![CDATA[great deals]]></category>
		<category><![CDATA[huge savings]]></category>
		<category><![CDATA[liquidation company]]></category>
		<category><![CDATA[liquidation sale]]></category>
		<category><![CDATA[no return policy]]></category>
		<category><![CDATA[payment methods]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3597</guid>
		<description><![CDATA[One side effect of a down economy is that many retailers end up going bankrupt or closing unprofitable locations. They are then forced to liquidate their assets and have sales in order to clean out the stores. Very often, even the fixtures end up for sale. With more and more retailers going out of business, [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>It&#8217;s Time to Get Your House Ready for Sale</title>
		<link>http://www.pfadvice.com/2008/12/11/its-time-to-get-your-house-ready-for-sale/</link>
		<comments>http://www.pfadvice.com/2008/12/11/its-time-to-get-your-house-ready-for-sale/#comments</comments>
		<pubDate>Thu, 11 Dec 2008 08:01:08 +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[down economy]]></category>
		<category><![CDATA[good contractor]]></category>
		<category><![CDATA[home improvements]]></category>
		<category><![CDATA[inexpensive contractor]]></category>
		<category><![CDATA[local contractor]]></category>
		<category><![CDATA[renovate]]></category>
		<category><![CDATA[travertine]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3553</guid>
		<description><![CDATA[I was chatting with a neighbor the other day and he mentioned that he is having the entry to his home renovated. I was surprised, since his home is relatively new and, I think, quite nice. He laughed and said that his house does not have &#8220;foyer appeal&#8221; and that he wants it to be [...]]]></description>
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		<slash:comments>2</slash:comments>
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