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	<title>Personal Finance Advice &#187; frugality</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Frugality as a Challenge</title>
		<link>http://www.pfadvice.com/2012/02/01/frugality-as-a-challenge/</link>
		<comments>http://www.pfadvice.com/2012/02/01/frugality-as-a-challenge/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 17:15:20 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[competition]]></category>
		<category><![CDATA[frugal challenge]]></category>
		<category><![CDATA[frugal games]]></category>
		<category><![CDATA[frugal tricks]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[money challenge]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9063</guid>
		<description><![CDATA[When I first started embracing frugality, I wasn&#8217;t thrilled with the process. It all seemed so limiting, somehow. I didn&#8217;t enjoy combing sales flyers and planting my own gardens. I wasn&#8217;t thrilled about hanging my clothes out on the line or trying to find yet another way to re-purpose a glass jar. It seemed that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/02/01/frugality-as-a-challenge/feed/</wfw:commentRss>
		<slash:comments>4</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>
		<wfw:commentRss>http://www.pfadvice.com/2011/12/20/frugality-and-facing-your-fears/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/14/a-frugal-person-is-an-intelligent-person-2/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
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		<title>Emulate Someone Who Earns Less Than You: Strange Ways to Save Money</title>
		<link>http://www.pfadvice.com/2011/10/20/emulate-someone-who-earns-less-than-you-strange-ways-to-save-money/</link>
		<comments>http://www.pfadvice.com/2011/10/20/emulate-someone-who-earns-less-than-you-strange-ways-to-save-money/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 17:16:21 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[emulate others]]></category>
		<category><![CDATA[find a mentor]]></category>
		<category><![CDATA[frugal tricks]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[live on less]]></category>
		<category><![CDATA[prioritize spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7868</guid>
		<description><![CDATA[No matter how little money you earn, there is almost always someone, somewhere (likely in your own area), who is managing to live well on less than what you make. Now, by living &#8220;well&#8221; I don&#8217;t necessarily mean having a three thousand square foot house, a Mercedes, a cruise every year, and a housekeeper. I&#8217;m [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/10/20/emulate-someone-who-earns-less-than-you-strange-ways-to-save-money/feed/</wfw:commentRss>
		<slash:comments>5</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>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>You Really Can&#8217;t Screw This Up</title>
		<link>http://www.pfadvice.com/2010/11/01/you-really-cant-screw-this-up/</link>
		<comments>http://www.pfadvice.com/2010/11/01/you-really-cant-screw-this-up/#comments</comments>
		<pubDate>Mon, 01 Nov 2010 11:36:52 +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[frugal failure]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[live below your means]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6674</guid>
		<description><![CDATA[Here&#8217;s the great thing about frugality and saving money. It&#8217;s almost foolproof. When you make a commitment to getting your finances on track, living more simply, and putting money away for the future you really can&#8217;t fail at it, as long as you keep trying. Some people tell me, &#8220;Oh, I tried frugality but I [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/11/01/you-really-cant-screw-this-up/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>It Never Hurts to Double Check</title>
		<link>http://www.pfadvice.com/2010/09/30/it-never-hurts-to-double-check-%e2%80%93-tech-support/</link>
		<comments>http://www.pfadvice.com/2010/09/30/it-never-hurts-to-double-check-%e2%80%93-tech-support/#comments</comments>
		<pubDate>Thu, 30 Sep 2010 09:04:22 +0000</pubDate>
		<dc:creator>Wixx</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cpier]]></category>
		<category><![CDATA[DIY printer help]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[printer]]></category>
		<category><![CDATA[printer error]]></category>
		<category><![CDATA[printer problem]]></category>
		<category><![CDATA[printer repair]]></category>
		<category><![CDATA[scanner]]></category>
		<category><![CDATA[trouble ticket]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6558</guid>
		<description><![CDATA[Recently my all-in-one printer/scanner/copier experienced a malfunction. During the initialization process, the print head moves around a bit, dancing a noisy little jig, and then the light on the scanner head illuminates, and the head moves out a few inches from its &#8220;home.&#8221; After a moment or two, the scanner head does its own jig [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/09/30/it-never-hurts-to-double-check-%e2%80%93-tech-support/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>eReaders and eBooks</title>
		<link>http://www.pfadvice.com/2010/09/23/ereaders-and-ebooks/</link>
		<comments>http://www.pfadvice.com/2010/09/23/ereaders-and-ebooks/#comments</comments>
		<pubDate>Thu, 23 Sep 2010 09:47:57 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[ebook]]></category>
		<category><![CDATA[ereader]]></category>
		<category><![CDATA[free books]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[iPad]]></category>
		<category><![CDATA[Kindle]]></category>
		<category><![CDATA[library]]></category>
		<category><![CDATA[Nook]]></category>
		<category><![CDATA[save on reading]]></category>
		<category><![CDATA[sony reader]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6552</guid>
		<description><![CDATA[As some of my more regular readers may recall, I also write a literary criticism column for Bibliobuffet. I have a long standing love of books and I would gladly give up my television before I would give up my library. Admittedly, I would miss the Jack Benny Show, Fringe and Survivor but if something [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/09/23/ereaders-and-ebooks/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>How Frugality Helped Me Negotiate With A Car Salesman</title>
		<link>http://www.pfadvice.com/2010/08/12/how-frugality-helped-me-negotiate-with-a-car-salesman/</link>
		<comments>http://www.pfadvice.com/2010/08/12/how-frugality-helped-me-negotiate-with-a-car-salesman/#comments</comments>
		<pubDate>Thu, 12 Aug 2010 18:58:20 +0000</pubDate>
		<dc:creator>Wixx</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[buying a car]]></category>
		<category><![CDATA[car negotiations]]></category>
		<category><![CDATA[car trade in]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[negotiating]]></category>
		<category><![CDATA[trading in a car]]></category>
		<category><![CDATA[used car salesman]]></category>
		<category><![CDATA[used cars]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6413</guid>
		<description><![CDATA[On my last trip to a used car lot, I was able to get exactly what I wanted out of the transaction. The salesman, of course, tried to talk me into getting more car than I needed, and more importantly, more car than I could afford. I wanted to trade my car outright and not [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/08/12/how-frugality-helped-me-negotiate-with-a-car-salesman/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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