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	<title>SavingAdvice.com Blog</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>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>
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		<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>5</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>
		</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>2</slash:comments>
		</item>
		<item>
		<title>10 Money Lessons From Benjamin Franklin</title>
		<link>http://www.savingadvice.com/articles/2012/05/10/1010182_10-money-lessons-from-ben-franklin.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/10/1010182_10-money-lessons-from-ben-franklin.html#comments</comments>
		<pubDate>Thu, 10 May 2012 17:01:13 +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[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Ben Franklin]]></category>
		<category><![CDATA[Benjamin Franklin]]></category>
		<category><![CDATA[Benjamin Franklin quotes]]></category>
		<category><![CDATA[debt quotes]]></category>
		<category><![CDATA[famous quotes]]></category>
		<category><![CDATA[financial quotes]]></category>
		<category><![CDATA[money advice]]></category>
		<category><![CDATA[money lessons]]></category>
		<category><![CDATA[money quotes]]></category>
		<category><![CDATA[money wisdom]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10182</guid>
		<description><![CDATA[Long before the financial gurus with their TV shows and persona finance books to sell were around, Benjamin Franklin was giving down-to-earth, sound money advice to anyone who would listen. The advice was so sound that it&#8217;s still relevant and applicable to this day. Here are ten money lessons from Ben Franklin that you would [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/10/1010182_10-money-lessons-from-ben-franklin.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>5</slash:comments>
		</item>
		<item>
		<title>Terrible Investment Advice</title>
		<link>http://www.savingadvice.com/articles/2012/05/08/1010397_terrible-investment-advice.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/08/1010397_terrible-investment-advice.html#comments</comments>
		<pubDate>Tue, 08 May 2012 16:30:53 +0000</pubDate>
		<dc:creator>Dana O. Crandell</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bad advice]]></category>
		<category><![CDATA[bad investments]]></category>
		<category><![CDATA[how not to invest]]></category>
		<category><![CDATA[investment advice]]></category>
		<category><![CDATA[investment risks]]></category>
		<category><![CDATA[poor investments]]></category>
		<category><![CDATA[terrible investments]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10397</guid>
		<description><![CDATA[Ask around and you&#8217;ll find plenty of people willing to give you &#8220;sound&#8221; investment advice. I&#8217;ve never been much of a conformist, so I&#8217;m going to offer you, instead, ten pieces of really terrible advice on investing. Why? So you&#8217;ll recognize them when you hear them from the &#8220;experts&#8221; or your friends. Some readers will [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/08/1010397_terrible-investment-advice.html/feed/</wfw:commentRss>
		<slash:comments>2</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>
		</item>
		<item>
		<title>Ten Ways We Psychologically Hurt Our Relationship With Money</title>
		<link>http://www.savingadvice.com/articles/2012/05/03/1010493_ten-ways-we-psychologically-hurt-our-relationship-with-money.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/03/1010493_ten-ways-we-psychologically-hurt-our-relationship-with-money.html#comments</comments>
		<pubDate>Thu, 03 May 2012 16:00:27 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[accumulated debt]]></category>
		<category><![CDATA[bad news]]></category>
		<category><![CDATA[denial]]></category>
		<category><![CDATA[Dr Charles Richards]]></category>
		<category><![CDATA[fear of risk]]></category>
		<category><![CDATA[financial well-being]]></category>
		<category><![CDATA[giving to others]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[money buy happiness]]></category>
		<category><![CDATA[money relationships]]></category>
		<category><![CDATA[money self-esteem]]></category>
		<category><![CDATA[negative thinking]]></category>
		<category><![CDATA[news media]]></category>
		<category><![CDATA[pessimists]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10493</guid>
		<description><![CDATA[By Dr. Charles Richards Why is it that just when everything seems to be going well financially and you feel like you&#8217;re getting ahead, something seems to crop up that alters your plans? In my practice as a psychotherapist, I&#8217;ve seen this pattern play out in clients and others many times. If this has become [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/03/1010493_ten-ways-we-psychologically-hurt-our-relationship-with-money.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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