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	<title>Personal Finance Advice &#187; spending money</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>Is Your Defensiveness Trying to Tell You Something?</title>
		<link>http://www.pfadvice.com/2011/09/19/is-your-defensiveness-trying-to-tell-you-something/</link>
		<comments>http://www.pfadvice.com/2011/09/19/is-your-defensiveness-trying-to-tell-you-something/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 11:16:36 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[brand products]]></category>
		<category><![CDATA[defensiveness]]></category>
		<category><![CDATA[financial choices]]></category>
		<category><![CDATA[rationalizing money choices]]></category>
		<category><![CDATA[spending money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7757</guid>
		<description><![CDATA[I read a lot of different financial message boards. I&#8217;m always amused when someone in a thread gets incredibly defensive over something that was posted. The latest example was a thread about luxury handbags. The original poster inquired about the quality of a certain brand of handbag and wanted to know if it was worth [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/09/19/is-your-defensiveness-trying-to-tell-you-something/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why Create Unnecessary Stress?</title>
		<link>http://www.pfadvice.com/2010/10/26/why-create-unnecessary-stress/</link>
		<comments>http://www.pfadvice.com/2010/10/26/why-create-unnecessary-stress/#comments</comments>
		<pubDate>Tue, 26 Oct 2010 19:29:57 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[financial stress]]></category>
		<category><![CDATA[money stress]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[stress]]></category>
		<category><![CDATA[stress levels]]></category>
		<category><![CDATA[things you don't need]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6641</guid>
		<description><![CDATA[We all have stress in our lives. Much of it comes from things we can&#8217;t control. We have trouble at work, someone we love gets sick or dies, our kid has problems in school, or we have too many things to do and not enough time. With all the stressful events in our lives, why [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/10/26/why-create-unnecessary-stress/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Businesses That Should Not Be Thriving</title>
		<link>http://www.pfadvice.com/2010/09/02/businesses-that-should-not-be-thriving/</link>
		<comments>http://www.pfadvice.com/2010/09/02/businesses-that-should-not-be-thriving/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 09:39:47 +0000</pubDate>
		<dc:creator>Wixx</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Cars]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[businesses]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[tough times]]></category>
		<category><![CDATA[what to spend money on]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6487</guid>
		<description><![CDATA[I have recently read a number of articles about the businesses which are being hit the hardest by the current downturn in US and well as the global economy. This got me thinking about the businesses that should be affected, even though apparently some of them aren&#8217;t. Giant Gas Guzzling SUVs: Not only are they [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/09/02/businesses-that-should-not-be-thriving/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Shopping When You Need It Now</title>
		<link>http://www.pfadvice.com/2010/08/23/shopping-when-you-need-it-now/</link>
		<comments>http://www.pfadvice.com/2010/08/23/shopping-when-you-need-it-now/#comments</comments>
		<pubDate>Mon, 23 Aug 2010 11:29:25 +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 right away]]></category>
		<category><![CDATA[buying something new]]></category>
		<category><![CDATA[repair]]></category>
		<category><![CDATA[replace]]></category>
		<category><![CDATA[spending money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6436</guid>
		<description><![CDATA[When we talk about bargain hunting and getting the best price on items that you need, it&#8217;s usually with the assumption that you have time to shop, compare models and prices, and wait for sales. Most of the time that&#8217;s the case. But there are times when you need something right now and you can&#8217;t [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/08/23/shopping-when-you-need-it-now/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>An iPhone Money App That I Would Buy</title>
		<link>http://www.pfadvice.com/2009/11/27/a-iphone-money-app-that-i-would-buy/</link>
		<comments>http://www.pfadvice.com/2009/11/27/a-iphone-money-app-that-i-would-buy/#comments</comments>
		<pubDate>Fri, 27 Nov 2009 07:42:16 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Financial Videos]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[iphone]]></category>
		<category><![CDATA[iPhone app]]></category>
		<category><![CDATA[iPhone money app]]></category>
		<category><![CDATA[opportunity cost]]></category>
		<category><![CDATA[spending money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5483</guid>
		<description><![CDATA[I don&#8217;t have an iPhone (I don&#8217;t even have a cell phone, but that&#8217;s a whole other story), but if I did, I would definitely buy the Opportunity Cost of Money iPhone app. This iPhone app makes the cost of your purchases concrete. Basically, it&#8217;s an iPhone app where you list all of the things [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/27/a-iphone-money-app-that-i-would-buy/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>At The End of Your Life, You Aren&#8217;t Going To Want To Spend Money</title>
		<link>http://www.pfadvice.com/2009/11/26/at-the-end-of-your-life-you-arent-going-to-want-to-spend-money/</link>
		<comments>http://www.pfadvice.com/2009/11/26/at-the-end-of-your-life-you-arent-going-to-want-to-spend-money/#comments</comments>
		<pubDate>Thu, 26 Nov 2009 07:01:31 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[changing seasons]]></category>
		<category><![CDATA[death]]></category>
		<category><![CDATA[estate planning]]></category>
		<category><![CDATA[family time]]></category>
		<category><![CDATA[friends and family]]></category>
		<category><![CDATA[mend relationships]]></category>
		<category><![CDATA[one more day]]></category>
		<category><![CDATA[sex]]></category>
		<category><![CDATA[spend more time with family]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[will]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5446</guid>
		<description><![CDATA[One of the biggest excuses that I hear for spending money you don&#8217;t have is that you might die tomorrow. &#8220;What if I&#8217;m hit by a bus tomorrow and I didn&#8217;t go on that vacation, or have that car, or own that bag?&#8221; The thinking is that it would be a shame to die without [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/26/at-the-end-of-your-life-you-arent-going-to-want-to-spend-money/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>American Culture Is Why People Don&#8217;t Save Money</title>
		<link>http://www.pfadvice.com/2009/11/25/american-culture-is-why-people-dont-save-money/</link>
		<comments>http://www.pfadvice.com/2009/11/25/american-culture-is-why-people-dont-save-money/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 07:23:36 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Financial Videos]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[creatures of habit]]></category>
		<category><![CDATA[culture]]></category>
		<category><![CDATA[Duke University]]></category>
		<category><![CDATA[parental freedom]]></category>
		<category><![CDATA[social norms]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[teaching kids Dan Ariely]]></category>
		<category><![CDATA[US culture]]></category>
		<category><![CDATA[US social norms]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5457</guid>
		<description><![CDATA[Here is an interesting question to ponder. Is the reason that Americans are such lousy savers due to the freedom that parents give to their kids as opposed to how children are raised in other countries? We aren&#8217;t told who we should marry, we aren&#8217;t told what job we should do, but we are also [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/25/american-culture-is-why-people-dont-save-money/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>The Value of &#8220;Only&#8221; $40</title>
		<link>http://www.pfadvice.com/2009/10/28/the-value-of-only-40/</link>
		<comments>http://www.pfadvice.com/2009/10/28/the-value-of-only-40/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 07:01:11 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[dining out]]></category>
		<category><![CDATA[friendship]]></category>
		<category><![CDATA[out to dinner]]></category>
		<category><![CDATA[pricey restaurant]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[value]]></category>
		<category><![CDATA[value system]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5262</guid>
		<description><![CDATA[Earlier this week a friend asked me out for dinner at a pretty pricey restaurant. Having been there once before for a special occasion I knew that the food and service wasn&#8217;t that great and definitely not worth the price tag (at least to me). I declined my friend&#8217;s invitation. When she asked why, I [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/10/28/the-value-of-only-40/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Bad Service + Lack of Spending = Continued Economic Problems</title>
		<link>http://www.pfadvice.com/2009/06/24/bad-service-lack-of-spending-continued-economic-problems/</link>
		<comments>http://www.pfadvice.com/2009/06/24/bad-service-lack-of-spending-continued-economic-problems/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 07:01:25 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bad economy]]></category>
		<category><![CDATA[customer service]]></category>
		<category><![CDATA[poor customer service]]></category>
		<category><![CDATA[spending money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4748</guid>
		<description><![CDATA[I&#8217;ve noticed a side effect of the bad economy that may end up prolonging our economic woes. It&#8217;s called poor customer service. The other day I had to return something to a big box electronics store. The line in the returns department looked like the day after Christmas and only one clerk was working. When [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/06/24/bad-service-lack-of-spending-continued-economic-problems/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Splurging Is OK</title>
		<link>http://www.pfadvice.com/2009/03/05/splurging-is-ok/</link>
		<comments>http://www.pfadvice.com/2009/03/05/splurging-is-ok/#comments</comments>
		<pubDate>Thu, 05 Mar 2009 08:01:33 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[spending without remorse]]></category>
		<category><![CDATA[splurge]]></category>
		<category><![CDATA[splurging]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4187</guid>
		<description><![CDATA[I had to go to a theme park today. When I say I &#8220;had to go,&#8221; I mean that my son and I received two free passes to go to the park so that his football team could celebrate its season and participate in the filming of a commercial. We had a great time and [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/03/05/splurging-is-ok/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
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