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	<title>Personal Finance Advice &#187; saving</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>Dave Ramsey Financial Peace University Review: Week 10</title>
		<link>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/</link>
		<comments>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 07:01:03 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[baby steps]]></category>
		<category><![CDATA[college fund]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Financial Peace University review]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement saving]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[SEPP]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5960</guid>
		<description><![CDATA[This week we moved on to Baby Steps Four and Five, which are saving for retirement and saving for your kids&#8217; college education. Baby step four was on deck first, which is to save 15% of your household income in tax-advantaged plans. Dave points out that, at the time this class was filmed, 53% of [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why Literacy Is An Important Financial Building Block</title>
		<link>http://www.pfadvice.com/2009/10/30/why-literacy-is-an-important-financial-building-block/</link>
		<comments>http://www.pfadvice.com/2009/10/30/why-literacy-is-an-important-financial-building-block/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 07:01:49 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[book clubs]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[comprehend]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[functionally illiterate]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[literacy]]></category>
		<category><![CDATA[literacy skills]]></category>
		<category><![CDATA[living wage]]></category>
		<category><![CDATA[read to kids]]></category>
		<category><![CDATA[read write]]></category>
		<category><![CDATA[reading choices]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[story hours]]></category>
		<category><![CDATA[summer reading]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5274</guid>
		<description><![CDATA[&#8220;More than 20 percent of adults read at or below a fifth-grade level &#8211; far below the level needed to earn a living wage.&#8221; &#8211; National Institute for Literacy &#8220;Nearly half of America&#8217;s adults are poor readers, or &#8216;functionally illiterate.&#8217; They can&#8217;t carry out simple tasks like balancing check books, reading drug labels or writing [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/10/30/why-literacy-is-an-important-financial-building-block/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>What Tricks Help You to Keep from Spending Money?</title>
		<link>http://www.pfadvice.com/2008/07/23/spending-tricks/</link>
		<comments>http://www.pfadvice.com/2008/07/23/spending-tricks/#comments</comments>
		<pubDate>Wed, 23 Jul 2008 09:02:24 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[consumerism]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[wants and needs]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/07/23/102216_spending-tricks.html</guid>
		<description><![CDATA[The question to get your morning rolling today is, What tricks help you from spending money? I was talking with a friend who is super frugal except when it comes to traveling. It seems that he spends virtually all his extra money on traveling either to new countries or to visit friends. I asked him [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/07/23/spending-tricks/feed/</wfw:commentRss>
		<slash:comments>19</slash:comments>
		</item>
		<item>
		<title>The Best Voyeuristic Financial Books</title>
		<link>http://www.pfadvice.com/2008/06/06/best-voyeuristic-financial-books/</link>
		<comments>http://www.pfadvice.com/2008/06/06/best-voyeuristic-financial-books/#comments</comments>
		<pubDate>Fri, 06 Jun 2008 08:48:49 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Books]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[reading]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[voyeuristic]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/06/06/102144_best-voyeuristic-financial-books.html</guid>
		<description><![CDATA[A few weeks ago I wrote about books that are valuable for every level of financial knowledge. Almost all of those books were &#8220;how-to&#8221; books or books about developing and implementing investment strategies. This week I&#8217;m going to recommend a different type of financial book. These are the books that don&#8217;t teach you how to [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/06/06/best-voyeuristic-financial-books/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Falling Off the Dave Ramsey Diet</title>
		<link>http://www.pfadvice.com/2008/05/19/falling-off-the-dave-ramsey-diet/</link>
		<comments>http://www.pfadvice.com/2008/05/19/falling-off-the-dave-ramsey-diet/#comments</comments>
		<pubDate>Mon, 19 May 2008 07:01:11 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[snowball debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/05/19/102129_falling-off-the-dave-ramsey-diet.html</guid>
		<description><![CDATA[If you&#8217;re interested in personal finance, you probably know who Dave Ramsey is. If you don&#8217;t know, he&#8217;s a television and radio personality (and author) who preaches a &#8220;common sense&#8221; approach to getting out of debt and creating wealth. His plan is built around seven &#8220;Baby Steps&#8221; that are designed to lead you to financial [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/05/19/falling-off-the-dave-ramsey-diet/feed/</wfw:commentRss>
		<slash:comments>153</slash:comments>
		</item>
		<item>
		<title>Books For Every Level of Financial Acumen</title>
		<link>http://www.pfadvice.com/2008/05/16/books-for-every-level-of-financial-acumen/</link>
		<comments>http://www.pfadvice.com/2008/05/16/books-for-every-level-of-financial-acumen/#comments</comments>
		<pubDate>Fri, 16 May 2008 12:53:40 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Books]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[reading]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/05/16/102126_books-for-every-level-of-financial-acumen.html</guid>
		<description><![CDATA[I&#8217;m a huge fan of reading. I believe that reading, both fiction and non-fiction, is a great way to learn new things and be exposed to more than you typically see in your daily life. If you want to learn something new, like personal finance, you can&#8217;t beat a good book. You can go at [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/05/16/books-for-every-level-of-financial-acumen/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>The Money Saving Aspects of Daylight Savings Time</title>
		<link>http://www.pfadvice.com/2008/04/25/the-money-saving-aspects-of-daylight-savings-time/</link>
		<comments>http://www.pfadvice.com/2008/04/25/the-money-saving-aspects-of-daylight-savings-time/#comments</comments>
		<pubDate>Fri, 25 Apr 2008 07:05:43 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[daylight savings]]></category>
		<category><![CDATA[fall back]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[spring forward]]></category>
		<category><![CDATA[time]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/04/25/102103_the-money-saving-aspects-of-daylight-savings-time.html</guid>
		<description><![CDATA[I&#8217;m a huge fan of daylight savings time. I hate the long dark winters and get excited when we make the transition to longer days. But beyond my joy at more daylight, the transition to daylight savings time also saves me money. When we moved to the longer period of daylight savings time last year, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/04/25/the-money-saving-aspects-of-daylight-savings-time/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>When It Comes to Saving, &#8220;Instead of</title>
		<link>http://www.pfadvice.com/2008/04/24/when-it-comes-to-saving-instead-of%e2%80%a6-is-a-poor-excuse/</link>
		<comments>http://www.pfadvice.com/2008/04/24/when-it-comes-to-saving-instead-of%e2%80%a6-is-a-poor-excuse/#comments</comments>
		<pubDate>Thu, 24 Apr 2008 07:05:58 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[earning]]></category>
		<category><![CDATA[excuse]]></category>
		<category><![CDATA[instead of]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[this or that]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/04/24/102104_when-it-comes-to-saving-instead-of%e2%80%a6-is-a-poor-excuse.html</guid>
		<description><![CDATA[&#8220;Instead of using coupons, I buy things on sale&#8221; is a statement I hear often from people who think I waste my time clipping coupons. My response is, &#8220;Why not do both? If you use the coupons for things that are on sale, you can save even more.&#8221; In most cases, the &#8220;instead of&#8221; excuse [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/04/24/when-it-comes-to-saving-instead-of%e2%80%a6-is-a-poor-excuse/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Free (Or Nearly Free) Entertainment For Every Week of the Year</title>
		<link>http://www.pfadvice.com/2008/04/10/free-or-nearly-free-entertainment/</link>
		<comments>http://www.pfadvice.com/2008/04/10/free-or-nearly-free-entertainment/#comments</comments>
		<pubDate>Thu, 10 Apr 2008 07:05:04 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[52]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Free]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[week]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/04/10/102085_free-or-nearly-free-entertainment.html</guid>
		<description><![CDATA[A lot of people ask me: &#8220;If you don&#8217;t watch TV and you choose to limit movies, clubs, restaurants, etc. in order to save money, what do you do for entertainment? Aren&#8217;t you bored?&#8221; I usually look at them, dumbfounded, because to me there is too much to do and boredom is never a problem. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/04/10/free-or-nearly-free-entertainment/feed/</wfw:commentRss>
		<slash:comments>19</slash:comments>
		</item>
		<item>
		<title>Ten Ways to Reduce the Cost of Printing from Your Home Computer</title>
		<link>http://www.pfadvice.com/2008/04/06/ten-ways-to-reduce-the-cost-of-printing-from-your-home-computer/</link>
		<comments>http://www.pfadvice.com/2008/04/06/ten-ways-to-reduce-the-cost-of-printing-from-your-home-computer/#comments</comments>
		<pubDate>Sun, 06 Apr 2008 07:05:50 +0000</pubDate>
		<dc:creator>Shannon Christman</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[computer]]></category>
		<category><![CDATA[ink]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[pc]]></category>
		<category><![CDATA[print]]></category>
		<category><![CDATA[printer]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2008/04/06/102077_ten-ways-to-reduce-the-cost-of-printing-from-your-home-computer.html</guid>
		<description><![CDATA[Printing invitations, photos, shipping labels, and other paper items from a home computer is one do-it-yourself activity many people erroneously adopt in an effort to save money. While printing from home rather than buying in a store can save money in some cases, it may actually cost more in others. Those who believe they are [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/04/06/ten-ways-to-reduce-the-cost-of-printing-from-your-home-computer/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
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