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	<title>SavingAdvice.com Blog &#187; Jennifer Derrick</title>
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	<link>http://www.savingadvice.com/articles</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>The Advantage of Over-Analyzing Your Spending</title>
		<link>http://www.savingadvice.com/articles/2012/05/25/1010592_the-advantage-of-over-analyzing-your-spending.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/25/1010592_the-advantage-of-over-analyzing-your-spending.html#comments</comments>
		<pubDate>Fri, 25 May 2012 15:50:26 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[analyze everything]]></category>
		<category><![CDATA[analyze purchases]]></category>
		<category><![CDATA[needs]]></category>
		<category><![CDATA[over-analyze]]></category>
		<category><![CDATA[shopping habits]]></category>
		<category><![CDATA[shopping thrill]]></category>
		<category><![CDATA[wants]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10592</guid>
		<description><![CDATA[I&#8217;ve reached a point in my financial life where I tend to analyze everything to death. It&#8217;s not just because of the money, either, although that&#8217;s a big part of it. My small house only has so much space, so I&#8217;m constantly thinking, &#8220;Do I really need/want this?&#8221; Not only that, I have several longer-term [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>The Frugal Benefits of a Regular Schedule</title>
		<link>http://www.savingadvice.com/articles/2012/05/23/1010590_the-frugal-benefits-of-a-regular-schedule.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/23/1010590_the-frugal-benefits-of-a-regular-schedule.html#comments</comments>
		<pubDate>Wed, 23 May 2012 15:30:33 +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[easier planning]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[gardening]]></category>
		<category><![CDATA[making a schedule]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[reasons to schedule]]></category>
		<category><![CDATA[regular schedule]]></category>
		<category><![CDATA[schedule]]></category>
		<category><![CDATA[schedule benefits]]></category>
		<category><![CDATA[schedule projects]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10590</guid>
		<description><![CDATA[When I was in college and, later, working my first jobs, I never had a regular schedule. The jobs I had back then were either temporary or service oriented. Sometimes I&#8217;d work nights, sometimes days, and sometimes both. I worked holidays, weekends, and other times when no one else could or would work. It wasn&#8217;t [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/23/1010590_the-frugal-benefits-of-a-regular-schedule.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Using Pinterest To Save Money</title>
		<link>http://www.savingadvice.com/articles/2012/05/21/1010588_using-pinterest-to-save-money.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/21/1010588_using-pinterest-to-save-money.html#comments</comments>
		<pubDate>Mon, 21 May 2012 15:52:06 +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[finances]]></category>
		<category><![CDATA[frugal living]]></category>
		<category><![CDATA[money tips]]></category>
		<category><![CDATA[online bulletin board]]></category>
		<category><![CDATA[Pinterest]]></category>
		<category><![CDATA[saving tips]]></category>
		<category><![CDATA[virtual bulletin board]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10588</guid>
		<description><![CDATA[Unless you&#8217;ve been living under a rock, you&#8217;ve probably heard about the latest social media sensation called Pinterest. It&#8217;s a big virtual bulletin board where users can post pictures of just about anything and group them into collections like, &#8220;Things I love,&#8221; &#8220;Books to Read,&#8221; and &#8220;Things I&#8217;m passionate about.&#8221; While I&#8217;m not on Pinterest [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/21/1010588_using-pinterest-to-save-money.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<title>Before You Agree to the Prescription</title>
		<link>http://www.savingadvice.com/articles/2012/05/18/1010547_before-you-agree-to-the-prescription.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/18/1010547_before-you-agree-to-the-prescription.html#comments</comments>
		<pubDate>Fri, 18 May 2012 19:37:13 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Medical]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[blood pressure drug]]></category>
		<category><![CDATA[drug alternatives]]></category>
		<category><![CDATA[healthy lifestyle]]></category>
		<category><![CDATA[high blood pressure]]></category>
		<category><![CDATA[more exercise]]></category>
		<category><![CDATA[prescription alternatives]]></category>
		<category><![CDATA[stress management]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10547</guid>
		<description><![CDATA[A friend of mine recently went to the doctor for her annual physical. Her blood pressure was on the high side, so the doctor trotted out the prescription pad and wrote her a prescription for a blood pressure lowering drug. He didn&#8217;t offer any other suggestions or advice, just the scrip and a push out [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/18/1010547_before-you-agree-to-the-prescription.html/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Discounts: Ask and You Might Receive</title>
		<link>http://www.savingadvice.com/articles/2012/05/16/1010542_discounts-ask-and-you-might-receive.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/16/1010542_discounts-ask-and-you-might-receive.html#comments</comments>
		<pubDate>Wed, 16 May 2012 16:29:31 +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[Shopping]]></category>
		<category><![CDATA[ask for discount]]></category>
		<category><![CDATA[ask for savings]]></category>
		<category><![CDATA[bargaining]]></category>
		<category><![CDATA[discounts]]></category>
		<category><![CDATA[haggle]]></category>
		<category><![CDATA[negotiating]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10542</guid>
		<description><![CDATA[I and other financial writers often tell people to ask for discounts, particularly on large ticket items, because you just never know when a retailer might be willing to cut you a break. Many people are reluctant to try it, however. Some are afraid of being embarrassed and some think it just won&#8217;t work. The [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/16/1010542_discounts-ask-and-you-might-receive.html/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dealing With Financial Fear</title>
		<link>http://www.savingadvice.com/articles/2012/05/14/1010545_financial-fear.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/14/1010545_financial-fear.html#comments</comments>
		<pubDate>Mon, 14 May 2012 13:06:03 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[afraid]]></category>
		<category><![CDATA[financial education]]></category>
		<category><![CDATA[financial fear]]></category>
		<category><![CDATA[money fears]]></category>
		<category><![CDATA[scared]]></category>
		<category><![CDATA[self employment]]></category>
		<category><![CDATA[tax fears]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10545</guid>
		<description><![CDATA[Years ago when I was first thinking about self-employment, one thing scared me above all others. Taxes. It sounds silly, but I was terrified of screwing it all up and ending up in jail. Estimated taxes, quarterly payments, and self-employment deductions freaked me out so badly that it almost seemed better to stay employed with [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/14/1010545_financial-fear.html/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Easiest Way To Save On Healthcare</title>
		<link>http://www.savingadvice.com/articles/2012/05/11/1010466_the-easiest-way-to-save-on-healthcare.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/11/1010466_the-easiest-way-to-save-on-healthcare.html#comments</comments>
		<pubDate>Fri, 11 May 2012 17:00:04 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Medical]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[health costs]]></category>
		<category><![CDATA[health exercises]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[lifestyle changes]]></category>
		<category><![CDATA[physical therapy]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[save on healthcare]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10466</guid>
		<description><![CDATA[Most financial writers, including me, counsel people to be their own advocate for less-expensive healthcare. We teach that you should question everything on your bill, know the limits and allowances of your health insurance policy, and negotiate prices where possible and look for lower cost options. All of this is great and can certainly save [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/11/1010466_the-easiest-way-to-save-on-healthcare.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>16 Things You Don&#8217;t Want To Skimp On</title>
		<link>http://www.savingadvice.com/articles/2012/05/09/1010464_16-things-you-dont-want-to-skimp.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/09/1010464_16-things-you-dont-want-to-skimp.html#comments</comments>
		<pubDate>Wed, 09 May 2012 16:30:06 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[baby proofing]]></category>
		<category><![CDATA[best quality]]></category>
		<category><![CDATA[car care]]></category>
		<category><![CDATA[cheapest option]]></category>
		<category><![CDATA[eye glasses]]></category>
		<category><![CDATA[fire extinguisher]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[healthy food]]></category>
		<category><![CDATA[home repairs]]></category>
		<category><![CDATA[mattress]]></category>
		<category><![CDATA[pet food]]></category>
		<category><![CDATA[quality]]></category>
		<category><![CDATA[safety]]></category>
		<category><![CDATA[shoes]]></category>
		<category><![CDATA[skimp]]></category>
		<category><![CDATA[smoke detectors]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10464</guid>
		<description><![CDATA[While I&#8217;m all for being frugal, there are some things that you just don&#8217;t want to skimp on. Some things are so important to your health or safety that it simply isn&#8217;t wise or cost-effective to look for the cheapest options, or to skip the item altogether in the name of &#8220;saving money.&#8221; While everyone [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/09/1010464_16-things-you-dont-want-to-skimp.html/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Does Frugality Gross You Out?</title>
		<link>http://www.savingadvice.com/articles/2012/05/07/1010462_does-frugality-gross-you-out.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/07/1010462_does-frugality-gross-you-out.html#comments</comments>
		<pubDate>Mon, 07 May 2012 13:30:25 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cleanliness]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[gross]]></category>
		<category><![CDATA[ick factor]]></category>
		<category><![CDATA[library books]]></category>
		<category><![CDATA[sanitary]]></category>
		<category><![CDATA[too frugal]]></category>
		<category><![CDATA[used stuff]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10462</guid>
		<description><![CDATA[Last week, on a nice spring day, I was sitting outside on my porch reading one of my many library books. My neighbor came over to see how I was doing and wanted to know what I was reading. I flipped it over to show her the title and she could clearly see the library [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/07/1010462_does-frugality-gross-you-out.html/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>How Far Should You Expect an Employer to Bend When Hiring?</title>
		<link>http://www.savingadvice.com/articles/2012/05/04/1010303_how-far-should-you-expect-an-employer-to-bend-when-hiring.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/04/1010303_how-far-should-you-expect-an-employer-to-bend-when-hiring.html#comments</comments>
		<pubDate>Fri, 04 May 2012 17:00:26 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[accepting a job]]></category>
		<category><![CDATA[employer benefits]]></category>
		<category><![CDATA[employer vs employee]]></category>
		<category><![CDATA[family friendly employers]]></category>
		<category><![CDATA[job hunting]]></category>
		<category><![CDATA[job interview]]></category>
		<category><![CDATA[unemployment]]></category>
		<category><![CDATA[vacation day]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10303</guid>
		<description><![CDATA[A conversation recently came up amongst several people in my book group. One of the members has been looking for a job for about six months with little success. A couple of weeks ago, she was offered a job at a company that she was excited about. During the negotiations, she mentioned that, since she&#8217;d [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/04/1010303_how-far-should-you-expect-an-employer-to-bend-when-hiring.html/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
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