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	<title>Personal Finance Advice &#187; Frugal</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Use Less and Save Money! 25 Things You Can Cut Your Use in Half</title>
		<link>http://www.pfadvice.com/2012/01/27/use-less-and-save-money-25-things-you-can-cut-your-use-in-half/</link>
		<comments>http://www.pfadvice.com/2012/01/27/use-less-and-save-money-25-things-you-can-cut-your-use-in-half/#comments</comments>
		<pubDate>Sat, 28 Jan 2012 00:21:27 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Financial Videos]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[conserve]]></category>
		<category><![CDATA[half the amount]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[use correct amount]]></category>
		<category><![CDATA[use less]]></category>
		<category><![CDATA[use too much]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8845</guid>
		<description><![CDATA[You are using far too much of far too many things and you probably don&#8217;t even realize it. Most of it is simply out of habit although a good portion of it has it&#8217;s roots in commercials. No matter what the cause, becoming aware that you may be needlessly wasting money by using too much [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>How To Waste Smartly</title>
		<link>http://www.pfadvice.com/2011/12/22/how-to-waste-smartly/</link>
		<comments>http://www.pfadvice.com/2011/12/22/how-to-waste-smartly/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 16:07:56 +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[buy cheap]]></category>
		<category><![CDATA[extend life]]></category>
		<category><![CDATA[repurpose]]></category>
		<category><![CDATA[smallest size]]></category>
		<category><![CDATA[tossing stuff]]></category>
		<category><![CDATA[waste resources]]></category>
		<category><![CDATA[waste stuff]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8456</guid>
		<description><![CDATA[I hate waste. I hate that sometimes I have to throw something away without having gotten maximum use out of it. I hate the waste of money and the waste of resources. Unfortunately, I&#8217;ve learned that there are instances where I end up wasting things. For example, I cannot use up an entire head of [...]]]></description>
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		<slash:comments>7</slash:comments>
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		<title>Frugality and Facing Your Fears</title>
		<link>http://www.pfadvice.com/2011/12/20/frugality-and-facing-your-fears/</link>
		<comments>http://www.pfadvice.com/2011/12/20/frugality-and-facing-your-fears/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 17:00:03 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bad parts of town]]></category>
		<category><![CDATA[frugal fears]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[metal recycler]]></category>
		<category><![CDATA[thrift stores]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8459</guid>
		<description><![CDATA[When I first started on my frugal journey I had to get past quite a few fears and stereotypes that were holding me back, especially after I moved to a new area. You wouldn&#8217;t think that frugality would be a scary thing, but sometimes it can be a little frightening, especially if you&#8217;ve never had [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>A Frugal Person Is An Intelligent Person</title>
		<link>http://www.pfadvice.com/2011/11/14/a-frugal-person-is-an-intelligent-person-2/</link>
		<comments>http://www.pfadvice.com/2011/11/14/a-frugal-person-is-an-intelligent-person-2/#comments</comments>
		<pubDate>Mon, 14 Nov 2011 08:11:14 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[basic math skills]]></category>
		<category><![CDATA[creativity]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[ingenuity]]></category>
		<category><![CDATA[organizational skills]]></category>
		<category><![CDATA[planning skills]]></category>
		<category><![CDATA[research skills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8013</guid>
		<description><![CDATA[Some non-frugal people have a perception that all frugal people are stupid, dumb, backwards, hillbilly housewives, and generally uneducated. I think this stereotype must come from the feeling that the really &#8220;smart&#8221; people are also very successful and thus don&#8217;t need to be frugal. It&#8217;s only the uneducated people who aren&#8217;t &#8220;smart enough&#8221; to get [...]]]></description>
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		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>11 Actions That Have Benefitted My Finances the Most</title>
		<link>http://www.pfadvice.com/2011/08/29/11-actions-that-have-benefitted-my-finances-the-most/</link>
		<comments>http://www.pfadvice.com/2011/08/29/11-actions-that-have-benefitted-my-finances-the-most/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 11:49:29 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[complete education]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[live below means]]></category>
		<category><![CDATA[not cool]]></category>
		<category><![CDATA[patience]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[uncool]]></category>
		<category><![CDATA[unnecessary risks]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7651</guid>
		<description><![CDATA[I&#8217;ve reached one of those milestone birthdays where you stop and take stock of your life. I&#8217;ve been looking at where I&#8217;ve been and where I&#8217;m going professionally, personally, and financially. In looking at my finances, I&#8217;ve realized that there are eleven actions that have contributed directly to my success. These actions have all been [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/08/29/11-actions-that-have-benefitted-my-finances-the-most/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Start Where You Are</title>
		<link>http://www.pfadvice.com/2011/06/27/start-where-you-are/</link>
		<comments>http://www.pfadvice.com/2011/06/27/start-where-you-are/#comments</comments>
		<pubDate>Mon, 27 Jun 2011 18:46:55 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[frgality]]></category>
		<category><![CDATA[frugal lifestyle]]></category>
		<category><![CDATA[getting started]]></category>
		<category><![CDATA[lifestyle choices]]></category>
		<category><![CDATA[making changes]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7392</guid>
		<description><![CDATA[The other day I was reading a post on a message board from someone who was very proud of their money saving efforts. They listed things they&#8217;d cut including the house cleaner, the lawn service, eating out, and that they&#8217;d dropped premium channels on their cable. They&#8217;ve started buying store brands and given up many [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/06/27/start-where-you-are/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Financial Misery Loves Company</title>
		<link>http://www.pfadvice.com/2011/06/22/financial-misery-loves-company/</link>
		<comments>http://www.pfadvice.com/2011/06/22/financial-misery-loves-company/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 11:28:09 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></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[Shopping]]></category>
		<category><![CDATA[financially irresponsible]]></category>
		<category><![CDATA[financially secure]]></category>
		<category><![CDATA[misery loves company]]></category>
		<category><![CDATA[money and friendship]]></category>
		<category><![CDATA[over consumption]]></category>
		<category><![CDATA[spending too much]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7373</guid>
		<description><![CDATA[When you and all of your friends or family are deeply in debt, you can all be miserable together. You can gripe about your finances, complain about how there&#8217;s never enough money for everything, and then go shopping anyway. You can egg each other into further debt by saying things like, &#8220;You&#8217;re only young once,&#8221; [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/06/22/financial-misery-loves-company/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Frugality Buys You Time</title>
		<link>http://www.pfadvice.com/2011/02/07/frugality-buys-you-time/</link>
		<comments>http://www.pfadvice.com/2011/02/07/frugality-buys-you-time/#comments</comments>
		<pubDate>Mon, 07 Feb 2011 09:11:27 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[elimination]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[removing junk]]></category>
		<category><![CDATA[time]]></category>
		<category><![CDATA[time management]]></category>
		<category><![CDATA[wasting time]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6986</guid>
		<description><![CDATA[We all know that time is our most finite resource. We all have a set number of days on this planet and we&#8217;re not getting any more. We can&#8217;t make or buy more time. Since we can&#8217;t make more time, it&#8217;s important to make the most of the time we do have. I&#8217;ve found that, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/02/07/frugality-buys-you-time/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Buy Envelopes: Strange Ways to Save Money</title>
		<link>http://www.pfadvice.com/2011/01/20/dont-buy-envelopes-strange-ways-to-save-money/</link>
		<comments>http://www.pfadvice.com/2011/01/20/dont-buy-envelopes-strange-ways-to-save-money/#comments</comments>
		<pubDate>Thu, 20 Jan 2011 13:24:11 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[diy]]></category>
		<category><![CDATA[Do-It-Yourself]]></category>
		<category><![CDATA[envelopes]]></category>
		<category><![CDATA[letters]]></category>
		<category><![CDATA[make envelopes]]></category>
		<category><![CDATA[reuse envelopes]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6906</guid>
		<description><![CDATA[Now that I pay most of my bills online, have email, a cell phone, and a million other ways to stay in touch, I have very little need for envelopes. I rarely have envelopes in the house anymore and, on the rare occasion I need an envelope, I hate having to go to the store [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/01/20/dont-buy-envelopes-strange-ways-to-save-money/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Toilet Paper King: Beyond Over Or Under</title>
		<link>http://www.pfadvice.com/2010/11/10/toilet-paper-king-beyond-over-or-under/</link>
		<comments>http://www.pfadvice.com/2010/11/10/toilet-paper-king-beyond-over-or-under/#comments</comments>
		<pubDate>Wed, 10 Nov 2010 08:31:07 +0000</pubDate>
		<dc:creator>Beer Guy</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cheap]]></category>
		<category><![CDATA[reusable toilet paper]]></category>
		<category><![CDATA[toilet paper debate]]></category>
		<category><![CDATA[toilet paper under]]></category>
		<category><![CDATA[toilet paper. toilet paper under]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6736</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/11/10/toilet-paper-king-beyond-over-or-under/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
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