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	<title>SavingAdvice.com Blog &#187; Utilities</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Money Lessons Learned From a Dysfunctional Phone System</title>
		<link>http://www.savingadvice.com/articles/2011/12/28/108495_money-lessons-learned-from-a-dysfunctional-phone-system.html</link>
		<comments>http://www.savingadvice.com/articles/2011/12/28/108495_money-lessons-learned-from-a-dysfunctional-phone-system.html#comments</comments>
		<pubDate>Wed, 28 Dec 2011 22:20:39 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[cheap bids]]></category>
		<category><![CDATA[do your homework]]></category>
		<category><![CDATA[low bids]]></category>
		<category><![CDATA[money lessons]]></category>
		<category><![CDATA[new phone system]]></category>
		<category><![CDATA[phone systems]]></category>
		<category><![CDATA[you get what you pay for]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8495</guid>
		<description><![CDATA[One of my clients (where a friend of mine also works in IT) recently upgraded their office phone system. The phone system they had was perfectly functional but, like so many people and businesses, they wanted something with more bells and whistles (and something that several of their competitors had). After taking bids, forking over [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Save Money While You Sleep</title>
		<link>http://www.savingadvice.com/articles/2011/06/28/107390_save-money-while-you-sleep.html</link>
		<comments>http://www.savingadvice.com/articles/2011/06/28/107390_save-money-while-you-sleep.html#comments</comments>
		<pubDate>Tue, 28 Jun 2011 19:47:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[adjust air conditioner]]></category>
		<category><![CDATA[adjust heater]]></category>
		<category><![CDATA[outdoor lights]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[unplug appliances]]></category>
		<category><![CDATA[vampire power]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7390</guid>
		<description><![CDATA[You probably don&#8217;t think that the hours you&#8217;re sleeping can possibly cost you that much. After all, everyone&#8217;s in bed, everything is off, and no one is out shopping. But the truth is, the overnight hours can be costing you hundreds of dollars per year and you might not even realize it. The biggest culprit [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/06/28/107390_save-money-while-you-sleep.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Five Ways to Save Money in the Shower</title>
		<link>http://www.savingadvice.com/articles/2011/04/26/107144_five-ways-to-save-money-in-the-shower.html</link>
		<comments>http://www.savingadvice.com/articles/2011/04/26/107144_five-ways-to-save-money-in-the-shower.html#comments</comments>
		<pubDate>Tue, 26 Apr 2011 09:23:24 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[extend razor blade life]]></category>
		<category><![CDATA[military showers]]></category>
		<category><![CDATA[Navy shower]]></category>
		<category><![CDATA[short showers]]></category>
		<category><![CDATA[shower]]></category>
		<category><![CDATA[shower vs bath]]></category>
		<category><![CDATA[use less shampoo]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7144</guid>
		<description><![CDATA[You may not think of your morning shower as a great opportunity to save money, but there are a lot of little things you can do to reduce your cost of keeping clean and neat. Even if you&#8217;re still half asleep, that doesn&#8217;t mean that you want money needlessly running down the drain. Here are [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/04/26/107144_five-ways-to-save-money-in-the-shower.html/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>Pain Free Cost Cutting</title>
		<link>http://www.savingadvice.com/articles/2011/01/11/106876_pain-free-cost-cutting.html</link>
		<comments>http://www.savingadvice.com/articles/2011/01/11/106876_pain-free-cost-cutting.html#comments</comments>
		<pubDate>Tue, 11 Jan 2011 09:10:53 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[better deals]]></category>
		<category><![CDATA[cost cutting]]></category>
		<category><![CDATA[getting the best deal]]></category>
		<category><![CDATA[pain free cost cutting]]></category>
		<category><![CDATA[pain free saving]]></category>
		<category><![CDATA[painless cost cutting]]></category>
		<category><![CDATA[painless saving]]></category>
		<category><![CDATA[promotional time periods]]></category>
		<category><![CDATA[renegotiate]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6876</guid>
		<description><![CDATA[Over the years, I have called the cable company to reduce the amount of money my mom pays for her cable TV on a fairly regular basis. I just did it again this week and saved her $170 over a 6 month period. No matter how many times I tell my mom that she needs [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/01/11/106876_pain-free-cost-cutting.html/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Reasons Not To Have A Cell Phone</title>
		<link>http://www.savingadvice.com/articles/2011/01/07/106869_reasons-not-to-have-a-cell-phone.html</link>
		<comments>http://www.savingadvice.com/articles/2011/01/07/106869_reasons-not-to-have-a-cell-phone.html#comments</comments>
		<pubDate>Fri, 07 Jan 2011 08:08:13 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[cell phone]]></category>
		<category><![CDATA[cell phones suck]]></category>
		<category><![CDATA[cellular phone]]></category>
		<category><![CDATA[cost of cell phone]]></category>
		<category><![CDATA[needs]]></category>
		<category><![CDATA[reasons not to have a cell phone]]></category>
		<category><![CDATA[save on cell phonecell phone plan]]></category>
		<category><![CDATA[wants]]></category>
		<category><![CDATA[wants vs needs]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6869</guid>
		<description><![CDATA[I am probably one of the last people in the US that doesn&#8217;t have a cell phone. I don&#8217;t have a cell phone to protest in any way. I actually think there are a lot of interesting aspects to them. I have friends that keep telling me that I really need to get one so [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/01/07/106869_reasons-not-to-have-a-cell-phone.html/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>Leaky Toilet and Checking Utility Bills</title>
		<link>http://www.savingadvice.com/articles/2010/09/16/106511_leaky-toilet-and-checking-utility-bills.html</link>
		<comments>http://www.savingadvice.com/articles/2010/09/16/106511_leaky-toilet-and-checking-utility-bills.html#comments</comments>
		<pubDate>Thu, 16 Sep 2010 09:18:28 +0000</pubDate>
		<dc:creator>Wixx</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[leaky toilet]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[toilet leak]]></category>
		<category><![CDATA[utility bills]]></category>
		<category><![CDATA[wasting water]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6511</guid>
		<description><![CDATA[I am sure that everyone who has ever tried to reduce their budget, whether it be to accommodate for a reduced income, or to help with debt reduction, has been told or read about cutting their utility bills. You may or may not have actually been able to shave money from your bills, but hopefully [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2010/09/16/106511_leaky-toilet-and-checking-utility-bills.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Make Your House Save Money While You&#8217;re on Vacation</title>
		<link>http://www.savingadvice.com/articles/2010/08/06/106383_make-your-house-save-money-while-youre-on-vacation.html</link>
		<comments>http://www.savingadvice.com/articles/2010/08/06/106383_make-your-house-save-money-while-youre-on-vacation.html#comments</comments>
		<pubDate>Fri, 06 Aug 2010 07:23:13 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[home costs]]></category>
		<category><![CDATA[shut blinds]]></category>
		<category><![CDATA[turn off water]]></category>
		<category><![CDATA[turn off water heater]]></category>
		<category><![CDATA[unplug appliances]]></category>
		<category><![CDATA[vacation]]></category>
		<category><![CDATA[vacation mode]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6383</guid>
		<description><![CDATA[Many people don&#8217;t realize that going on vacation can be a money saving exercise. If you&#8217;re careful, you can save enough money to offset some of the cost of your vacation. How does this work? While you&#8217;re not at home, your house is still spending money unless you make it stop. Here are some tips [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2010/08/06/106383_make-your-house-save-money-while-youre-on-vacation.html/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>In-House Water Heater Control: Strange Ways to Save Money</title>
		<link>http://www.savingadvice.com/articles/2010/06/16/106203_in-house-water-heater-control-strange-ways-to-save-money.html</link>
		<comments>http://www.savingadvice.com/articles/2010/06/16/106203_in-house-water-heater-control-strange-ways-to-save-money.html#comments</comments>
		<pubDate>Wed, 16 Jun 2010 07:01:34 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[electric bill]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[water heater]]></category>
		<category><![CDATA[water heater control]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6203</guid>
		<description><![CDATA[Your water heater is one of the biggest contributors to your electric bill. It&#8217;s usually on all the time, heating water even when no one is home. I learned just how much it contributes to the power bill one summer when I went on a long vacation. I had turned it off at the fuse [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2010/06/16/106203_in-house-water-heater-control-strange-ways-to-save-money.html/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Legislating My Money Saving Efforts</title>
		<link>http://www.savingadvice.com/articles/2010/03/22/105838_legislating-my-money-saving-efforts.html</link>
		<comments>http://www.savingadvice.com/articles/2010/03/22/105838_legislating-my-money-saving-efforts.html#comments</comments>
		<pubDate>Mon, 22 Mar 2010 07:01:18 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[local government]]></category>
		<category><![CDATA[minimum charges]]></category>
		<category><![CDATA[money politics]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5838</guid>
		<description><![CDATA[In the last week I&#8217;ve gotten pretty peeved at the controls that my state and local governments have put in place to keep me from saving money. The first came when I called my homeowner&#8217;s insurance company to increase my deductible. I have enough in savings now to cover all but the largest problems, so [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2010/03/22/105838_legislating-my-money-saving-efforts.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Get More Money Without a Second Job</title>
		<link>http://www.savingadvice.com/articles/2009/12/10/105535_get-more-money-without-a-second-job.html</link>
		<comments>http://www.savingadvice.com/articles/2009/12/10/105535_get-more-money-without-a-second-job.html#comments</comments>
		<pubDate>Thu, 10 Dec 2009 07:01:17 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[car payments]]></category>
		<category><![CDATA[common fixed expenses]]></category>
		<category><![CDATA[debt payments]]></category>
		<category><![CDATA[fixed expenses]]></category>
		<category><![CDATA[food]]></category>
		<category><![CDATA[fuel]]></category>
		<category><![CDATA[more money]]></category>
		<category><![CDATA[mortgage payment]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[second job]]></category>
		<category><![CDATA[services]]></category>
		<category><![CDATA[utility bills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5535</guid>
		<description><![CDATA[When thoughts turn to getting more cash every month, many people assume that they&#8217;ll have to take a second job. That may be true. If your financial situation is dire or if you have your heart set on some big ticket item, a second job may be the only way to get to the necessary [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2009/12/10/105535_get-more-money-without-a-second-job.html/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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