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	<title>SavingAdvice.com Blog &#187; Personal Finance</title>
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	<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>10 Calls To Make To Save Money</title>
		<link>http://www.savingadvice.com/articles/2012/05/24/1010601_10-calls-to-make-to-save-money.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/24/1010601_10-calls-to-make-to-save-money.html#comments</comments>
		<pubDate>Thu, 24 May 2012 15:35:44 +0000</pubDate>
		<dc:creator>Danielle Warchol</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[X Files]]></category>
		<category><![CDATA[cable bill]]></category>
		<category><![CDATA[call to save]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[haggle]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[lower bills]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[painless saving]]></category>
		<category><![CDATA[phone calls]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10601</guid>
		<description><![CDATA[Many people often pay their bills while grumbling about how much they have to pay. It&#8217;s true that many services are very overpriced, but what most people don&#8217;t realize is that some of these services can easily be lowered. Sometimes all you have to do is make a phone call to the customer service department [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/24/1010601_10-calls-to-make-to-save-money.html/feed/</wfw:commentRss>
		<slash:comments>5</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>
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		<slash:comments>2</slash:comments>
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		<title>Things To Do Now To Save Money This Christmas</title>
		<link>http://www.savingadvice.com/articles/2012/05/22/1010444_things-to-do-to-save-money-this-christmas.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/22/1010444_things-to-do-to-save-money-this-christmas.html#comments</comments>
		<pubDate>Tue, 22 May 2012 15:40:29 +0000</pubDate>
		<dc:creator>Dana O. Crandell</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas gifts]]></category>
		<category><![CDATA[Christmas in summer]]></category>
		<category><![CDATA[Christmas list]]></category>
		<category><![CDATA[Christmas presents]]></category>
		<category><![CDATA[early Christmas shopping]]></category>
		<category><![CDATA[homemade Christmas gifts]]></category>
		<category><![CDATA[save money on Christmas]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10444</guid>
		<description><![CDATA[Christmas is a time for giving, and it&#8217;s easy to get caught up in the spirit. Giving feels so good that it can easily result in overspending and sometimes stretching your credit to the limit. That means you might spend several months after the Holidays just taking care of debts you built up while the [...]]]></description>
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		<slash:comments>5</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>
		</item>
		<item>
		<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>10 Ways Being Considerate Can Save Money</title>
		<link>http://www.savingadvice.com/articles/2012/05/17/1010603_ten-ways-being-considerate-can-save-money.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/17/1010603_ten-ways-being-considerate-can-save-money.html#comments</comments>
		<pubDate>Thu, 17 May 2012 15:15:13 +0000</pubDate>
		<dc:creator>Danielle Warchol</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[be nice]]></category>
		<category><![CDATA[consideration]]></category>
		<category><![CDATA[good attitude]]></category>
		<category><![CDATA[help others]]></category>
		<category><![CDATA[helpful]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10603</guid>
		<description><![CDATA[It should go without saying that you should treat everyone you interact with during the day with respect and consideration even if there weren&#8217;t any benefit to doing so. It&#8217;s simply the nice (and right) thing to do. The fact is, however, that being considerate to others can often result in you saving money. Here [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/17/1010603_ten-ways-being-considerate-can-save-money.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>10 Clues You Are Trying To Keep Up With The Joneses</title>
		<link>http://www.savingadvice.com/articles/2012/05/15/109921_10-clues-you-are-trying-to-keep-up-with-the-joneses.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/15/109921_10-clues-you-are-trying-to-keep-up-with-the-joneses.html#comments</comments>
		<pubDate>Tue, 15 May 2012 15:13:20 +0000</pubDate>
		<dc:creator>Dana O. Crandell</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[brand names]]></category>
		<category><![CDATA[Joneses]]></category>
		<category><![CDATA[keeping up with the Joneses]]></category>
		<category><![CDATA[latest gadgets]]></category>
		<category><![CDATA[monthly bills]]></category>
		<category><![CDATA[rent-to-own]]></category>
		<category><![CDATA[status symbols]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9921</guid>
		<description><![CDATA[It&#8217;s an easy trap to fall into. Your friends have cool stuff. You buy cool stuff. Before you realize it, you&#8217;re surrounded by the latest and greatest model of everything and working 3 jobs to pay for it all. The easiest way to stop the madness is to recognize the signs and break the cycle [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/15/109921_10-clues-you-are-trying-to-keep-up-with-the-joneses.html/feed/</wfw:commentRss>
		<slash:comments>7</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>
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		<slash:comments>1</slash:comments>
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