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	<title>Personal Finance Advice &#187; Saving Money</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>Barrel of Monkeys or Barrel of Money?</title>
		<link>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/</link>
		<comments>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 07:01:50 +0000</pubDate>
		<dc:creator>M. Beddingfield</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[barrel of monkeys]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[monkeyshines]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[savings account]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4554</guid>
		<description><![CDATA[We all remember fondly the games we played when we were children. There is a simple game that kept me entertained when I was young. It was called Barrel of Monkeys. My Barrel of Monkeys came in a bright yellow plastic barrel with twelve monkeys inside. The monkeys&#8217; arms were sort of S curved and [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>What Trash Art Can Teach About Money</title>
		<link>http://www.pfadvice.com/2012/01/13/what-trash-art-can-teach-about-money/</link>
		<comments>http://www.pfadvice.com/2012/01/13/what-trash-art-can-teach-about-money/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 20:17:52 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[inspiration]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[repurpose]]></category>
		<category><![CDATA[thinking creatively]]></category>
		<category><![CDATA[trash art]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8798</guid>
		<description><![CDATA[I must admit that I wish I had more artistic talent. When there is an art piece that catches my eye, I can stare at it for hours wondering how the artist was able to visualize the final piece from the raw materials she decided to use. I also must admit that I have a [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Money Lessons Learned From Home Construction</title>
		<link>http://www.pfadvice.com/2011/12/01/money-lessons-learned-from-home-construction/</link>
		<comments>http://www.pfadvice.com/2011/12/01/money-lessons-learned-from-home-construction/#comments</comments>
		<pubDate>Thu, 01 Dec 2011 16:41:25 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[additions]]></category>
		<category><![CDATA[amenities]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[financial success]]></category>
		<category><![CDATA[foundation]]></category>
		<category><![CDATA[framing]]></category>
		<category><![CDATA[home construction]]></category>
		<category><![CDATA[money lessons]]></category>
		<category><![CDATA[roof]]></category>
		<category><![CDATA[the footing]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8236</guid>
		<description><![CDATA[Many years ago I worked in a municipal permits and inspections department. Builders came in and applied for permits, we issued them and then took care of the inspections to make sure that homes and business were being built according to the current building codes. You wouldn&#8217;t think there would be too many money lessons [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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		<title>Effective Ways to Save Money</title>
		<link>http://www.pfadvice.com/2011/11/20/effective-ways-t%d0%be-save-money/</link>
		<comments>http://www.pfadvice.com/2011/11/20/effective-ways-t%d0%be-save-money/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 17:02:40 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money tips]]></category>
		<category><![CDATA[one cent at a time]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[saving tips]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8132</guid>
		<description><![CDATA[This article is written by SB, who blogs at One cent at a time, a blog dedicated to all round well-being for everyone including saving money, smart investments and improving productivity. Subscribe to his RSS feed via email or e reader. One of the most important things to realize is that you rеаllу dо nоt [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/20/effective-ways-t%d0%be-save-money/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>7 Reasons Not To Shop At Costco</title>
		<link>http://www.pfadvice.com/2011/11/16/7-reasons-not-to-shop-at-costco/</link>
		<comments>http://www.pfadvice.com/2011/11/16/7-reasons-not-to-shop-at-costco/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 19:47:42 +0000</pubDate>
		<dc:creator>Jeffrey Strain</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[bulk buying]]></category>
		<category><![CDATA[buying more]]></category>
		<category><![CDATA[consuming more]]></category>
		<category><![CDATA[Costco]]></category>
		<category><![CDATA[good price]]></category>
		<category><![CDATA[saving time]]></category>
		<category><![CDATA[travel costs. impulse buying]]></category>
		<category><![CDATA[yearly memberships]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8119</guid>
		<description><![CDATA[I really have nothing against Costco. I think that they are a quality company and they treat their employees well, especially when compared to other retailers. I used to be a huge advocate of shopping at Costco and the great deals that one could get when buying in bulk to reduce costs. I know a [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/16/7-reasons-not-to-shop-at-costco/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Pretend You Have a Different Life: Strange Ways to Save Money</title>
		<link>http://www.pfadvice.com/2011/08/18/pretend-you-have-a-different-life-strange-ways-to-save-money/</link>
		<comments>http://www.pfadvice.com/2011/08/18/pretend-you-have-a-different-life-strange-ways-to-save-money/#comments</comments>
		<pubDate>Thu, 18 Aug 2011 18:34:35 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[car repair]]></category>
		<category><![CDATA[car washes]]></category>
		<category><![CDATA[laundry]]></category>
		<category><![CDATA[money jars]]></category>
		<category><![CDATA[parking]]></category>
		<category><![CDATA[pay yourself]]></category>
		<category><![CDATA[pretend to pay]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7594</guid>
		<description><![CDATA[At various times in my life I&#8217;ve lived in apartments with few appliances, dormitories with no amenities at all, and homes with HOA&#8217;s that restricted what I could do on my own property. I&#8217;ve also worked in offices that had no free parking. Living and working in these places greatly increased my expenses because I [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/08/18/pretend-you-have-a-different-life-strange-ways-to-save-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Paying to Save Money</title>
		<link>http://www.pfadvice.com/2011/07/26/paying-to-save-money/</link>
		<comments>http://www.pfadvice.com/2011/07/26/paying-to-save-money/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 14:06:54 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[financial books]]></category>
		<category><![CDATA[financial forums]]></category>
		<category><![CDATA[financial spreadsheets]]></category>
		<category><![CDATA[money saving tools]]></category>
		<category><![CDATA[personal finances]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7483</guid>
		<description><![CDATA[A coworker of mine recently decided to get her finances in order. She admitted her debt troubles and her concerns that they don&#8217;t have anything saved for the future, let alone emergencies. While I applaud her desire to fix things, I question the method and the seriousness of her effort. I had to hide a [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/07/26/paying-to-save-money/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Difference Between &#8220;Saving&#8221; and &#8220;Not Spending&#8221;</title>
		<link>http://www.pfadvice.com/2011/07/05/the-difference-between-saving-and-not-spending/</link>
		<comments>http://www.pfadvice.com/2011/07/05/the-difference-between-saving-and-not-spending/#comments</comments>
		<pubDate>Tue, 05 Jul 2011 18:56:40 +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[extreme couponing]]></category>
		<category><![CDATA[not spend]]></category>
		<category><![CDATA[not spending]]></category>
		<category><![CDATA[unnecessary spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7415</guid>
		<description><![CDATA[While watching the train wreck that is &#8220;Extreme Couponing&#8221; the other day, I was struck by how so many of these people seemed to have become confused about the difference between saving money and not spending money. One woman was claiming that she&#8217;d saved $40,000 on her family&#8217;s grocery bill in one year. But would [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/07/05/the-difference-between-saving-and-not-spending/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Save Money While You Sleep</title>
		<link>http://www.pfadvice.com/2011/06/28/save-money-while-you-sleep/</link>
		<comments>http://www.pfadvice.com/2011/06/28/save-money-while-you-sleep/#comments</comments>
		<pubDate>Tue, 28 Jun 2011 19:47:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[adjust air conditioner]]></category>
		<category><![CDATA[adjust heater]]></category>
		<category><![CDATA[outdoor lights]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[unplug appliances]]></category>
		<category><![CDATA[vampire power]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7390</guid>
		<description><![CDATA[You probably don&#8217;t think that the hours you&#8217;re sleeping can possibly cost you that much. After all, everyone&#8217;s in bed, everything is off, and no one is out shopping. But the truth is, the overnight hours can be costing you hundreds of dollars per year and you might not even realize it. The biggest culprit [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/06/28/save-money-while-you-sleep/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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