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	<title>SavingAdvice.com Blog &#187; Guest Writer</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>How a Black Magic Marker Saved My Outfit Plus Eight Fashion Tips That Will Save You Money</title>
		<link>http://www.savingadvice.com/articles/2011/12/16/108441_how-a-black-magic-marker-saved-my-outfit-plus-eight-fashion-tips-that-will-save-you-money.html</link>
		<comments>http://www.savingadvice.com/articles/2011/12/16/108441_how-a-black-magic-marker-saved-my-outfit-plus-eight-fashion-tips-that-will-save-you-money.html#comments</comments>
		<pubDate>Fri, 16 Dec 2011 16:45:30 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[black sharpie]]></category>
		<category><![CDATA[customer surveys]]></category>
		<category><![CDATA[de-pill]]></category>
		<category><![CDATA[frugalista]]></category>
		<category><![CDATA[group discounts]]></category>
		<category><![CDATA[neutral clothing]]></category>
		<category><![CDATA[retailer loyalty programs]]></category>
		<category><![CDATA[reversible clothing]]></category>
		<category><![CDATA[school clothing]]></category>
		<category><![CDATA[self register]]></category>
		<category><![CDATA[The Millionaire's Handbook]]></category>
		<category><![CDATA[Vicky Oliver]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8441</guid>
		<description><![CDATA[By Vicky Oliver I first realized that I was a frugalista a few years ago when I took a favorite black jacket back to the dry cleaners to complain that the garment had started to &#8220;pill.&#8221; The finely spun black lace had literally unraveled before my eyes &#8211;exposing the frayed white boning underneath. &#8220;This garment [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>10 Things The Army Taught Me About Finances</title>
		<link>http://www.savingadvice.com/articles/2011/12/14/108428_10-things-the-army-taught-me-about-finances.html</link>
		<comments>http://www.savingadvice.com/articles/2011/12/14/108428_10-things-the-army-taught-me-about-finances.html#comments</comments>
		<pubDate>Wed, 14 Dec 2011 16:46:46 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[accountability]]></category>
		<category><![CDATA[army finances]]></category>
		<category><![CDATA[basic training]]></category>
		<category><![CDATA[determination]]></category>
		<category><![CDATA[Dollars & Uncommon Sense]]></category>
		<category><![CDATA[flexibility]]></category>
		<category><![CDATA[integrity]]></category>
		<category><![CDATA[keep it simple stupid]]></category>
		<category><![CDATA[leadership]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[prioritizing]]></category>
		<category><![CDATA[sacrifice]]></category>
		<category><![CDATA[Steve Repak]]></category>
		<category><![CDATA[team work]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8428</guid>
		<description><![CDATA[By Steve Repak, CFP® In basic training, a soldier goes through a process of mental and emotional retraining so that they can operate in an environment very different from the civilian world. I figured out I could take some of the same lessons I learned in the Army and apply them to my finances. Once [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/12/14/108428_10-things-the-army-taught-me-about-finances.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How To Say &#8220;No&#8221; and Help Your Finances in 2012</title>
		<link>http://www.savingadvice.com/articles/2011/12/09/108374_how-to-say-no-and-help-your-finances-in-2012.html</link>
		<comments>http://www.savingadvice.com/articles/2011/12/09/108374_how-to-say-no-and-help-your-finances-in-2012.html#comments</comments>
		<pubDate>Fri, 09 Dec 2011 19:02:01 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[build a vision]]></category>
		<category><![CDATA[get what you want]]></category>
		<category><![CDATA[how to say no]]></category>
		<category><![CDATA[Jim Camp]]></category>
		<category><![CDATA[making assumptions]]></category>
		<category><![CDATA[mutual benefit]]></category>
		<category><![CDATA[negativity]]></category>
		<category><![CDATA[neutral emotions]]></category>
		<category><![CDATA[principles]]></category>
		<category><![CDATA[start with no]]></category>
		<category><![CDATA[stop saying yes]]></category>
		<category><![CDATA[the camp negotiation institute]]></category>
		<category><![CDATA[the power of no]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8374</guid>
		<description><![CDATA[By Jim Camp Do you believe compromise is the best way to get what you want? There&#8217;s a better way, and it&#8217;s based on a word young children understand even better than adults: &#8220;No!&#8221; If you&#8217;d like to boost your finances in 2012, then learning to say no, invite no, and be comfortable hearing no [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Ways to Give Back During the Holiday Grind</title>
		<link>http://www.savingadvice.com/articles/2011/11/21/108179_10-ways-to-give-back-during-the-holiday-grind.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/21/108179_10-ways-to-give-back-during-the-holiday-grind.html#comments</comments>
		<pubDate>Mon, 21 Nov 2011 09:47:25 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[charitable contributions]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[dress for success]]></category>
		<category><![CDATA[give back]]></category>
		<category><![CDATA[help a mother out]]></category>
		<category><![CDATA[operation gratitude]]></category>
		<category><![CDATA[red cross]]></category>
		<category><![CDATA[Sharing Spree]]></category>
		<category><![CDATA[shop pink]]></category>
		<category><![CDATA[toys for tots]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8179</guid>
		<description><![CDATA[Ah, the season of giving. Magic in the air, Christmas carolers echoing throughout packed shopping malls, Salvation Army collection bells ringing &#8212; it&#8217;s the most wonderful time of the year to do good for others&#8230;right? With your family&#8217;s jam-packed social schedule, endless check-out lines and troops of hungry house guests on the way, it may [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/21/108179_10-ways-to-give-back-during-the-holiday-grind.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Effective Ways to Save Money</title>
		<link>http://www.savingadvice.com/articles/2011/11/20/108132_effective-ways-t%d0%be-save-money.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/20/108132_effective-ways-t%d0%be-save-money.html#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.savingadvice.com/articles/2011/11/20/108132_effective-ways-t%d0%be-save-money.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Road To Wealth</title>
		<link>http://www.savingadvice.com/articles/2011/11/19/108112_the-road-to-wealth.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/19/108112_the-road-to-wealth.html#comments</comments>
		<pubDate>Sat, 19 Nov 2011 17:23:15 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[creating a budget]]></category>
		<category><![CDATA[earn more]]></category>
		<category><![CDATA[money talks]]></category>
		<category><![CDATA[road to wealth]]></category>
		<category><![CDATA[spend less]]></category>
		<category><![CDATA[tweaking a budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8112</guid>
		<description><![CDATA[This is a guest post by Ashley at Money Talks The road to wealth may not be a smooth ride, but the fact remains you are either moving towards wealth, or you are moving towards poverty. Everyone moves along this road in one direction or the other. The path to wealth isn&#8217;t overly difficult or [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/19/108112_the-road-to-wealth.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What to Expect When Getting Pre-Approved for a Mortgage</title>
		<link>http://www.savingadvice.com/articles/2011/11/12/108061_what-to-expect-when-getting-pre-approved-for-a-mortgage.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/12/108061_what-to-expect-when-getting-pre-approved-for-a-mortgage.html#comments</comments>
		<pubDate>Sat, 12 Nov 2011 17:12:26 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[finding mortgage broker]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage paperwork]]></category>
		<category><![CDATA[pre-approved mortgage]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8061</guid>
		<description><![CDATA[This is a guest post from Little Miss Moneybags If you&#8217;re house-hunting, a mortgage pre-approval is a great thing to have in your back pocket. It shows real estate agents and sellers that you&#8217;re serious, and can help move the final home-buying process along much more quickly. Here&#8217;s an overview of how to get pre-approved, [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/12/108061_what-to-expect-when-getting-pre-approved-for-a-mortgage.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>7 Credit Card Myths</title>
		<link>http://www.savingadvice.com/articles/2011/11/11/108034_7-credit-card-myths.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/11/108034_7-credit-card-myths.html#comments</comments>
		<pubDate>Fri, 11 Nov 2011 17:34:33 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card account]]></category>
		<category><![CDATA[credit myths]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[no limit credit card]]></category>
		<category><![CDATA[personal finances. credit card myths]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8034</guid>
		<description><![CDATA[You know your credit is an important part of your financial life. Indeed, a number of people, from bankers to insurers to landlords, use your credit score to determine your financial fate. From higher interest rates and insurance premiums to paying a higher security deposit for a rental, a poor credit score can cost you. [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/11/108034_7-credit-card-myths.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>10 Free Mobile Apps That Save Money</title>
		<link>http://www.savingadvice.com/articles/2011/11/09/107965_10-free-mobile-apps-that-save-money.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/09/107965_10-free-mobile-apps-that-save-money.html#comments</comments>
		<pubDate>Wed, 09 Nov 2011 17:03:27 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[AllPoint]]></category>
		<category><![CDATA[budget apps]]></category>
		<category><![CDATA[CheapGas]]></category>
		<category><![CDATA[CouponSherpa]]></category>
		<category><![CDATA[free mobile apps]]></category>
		<category><![CDATA[GroceryIQ]]></category>
		<category><![CDATA[HowCast]]></category>
		<category><![CDATA[Kayak]]></category>
		<category><![CDATA[Manilla]]></category>
		<category><![CDATA[Mint]]></category>
		<category><![CDATA[mobile apps]]></category>
		<category><![CDATA[money saving apps]]></category>
		<category><![CDATA[RedLaser]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[SnapTell]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7965</guid>
		<description><![CDATA[By Farnoosh Torabi, Manilla Financial Editor With the arrival of so many budget-friendly mobile applications, saving has never been quite so simple. Literally, at the tap of a finger, you can discover where to snag the best deals in town and even download and redeem coupons instantly while checking out at the register. Here are [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/09/107965_10-free-mobile-apps-that-save-money.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How Can I Avoid Bank Fees? Your Four Best Options</title>
		<link>http://www.savingadvice.com/articles/2011/11/04/107961_how-can-i-avoid-bank-fees-your-four-best-options.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/04/107961_how-can-i-avoid-bank-fees-your-four-best-options.html#comments</comments>
		<pubDate>Fri, 04 Nov 2011 17:33:29 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[ATMs]]></category>
		<category><![CDATA[avoid bank fees]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[checking account fees]]></category>
		<category><![CDATA[community banks]]></category>
		<category><![CDATA[credit unions]]></category>
		<category><![CDATA[debit card fees]]></category>
		<category><![CDATA[debit cards]]></category>
		<category><![CDATA[direct deposit]]></category>
		<category><![CDATA[JP Morgan Chase]]></category>
		<category><![CDATA[minimum account balance]]></category>
		<category><![CDATA[swipe fees]]></category>
		<category><![CDATA[Wells Fargo]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7961</guid>
		<description><![CDATA[Have you noticed that lately new bank fees and fee increases have been popping up like pimples on prom night? Much of this is because of new federal regulations limiting revenue major financial institutions take in from things like overdraft fees and, more importantly, debit card swipe fees. Also known as interchange fees &#8212; this [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/04/107961_how-can-i-avoid-bank-fees-your-four-best-options.html/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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