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	<title>SavingAdvice.com Blog &#187; Jennifer Derrick</title>
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	<link>http://www.savingadvice.com/blog</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>22 Low-Cost Flu Fighters</title>
		<link>http://www.savingadvice.com/blog/2009/11/05/105358_22-low-cost-flu-fighters.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/05/105358_22-low-cost-flu-fighters.html#comments</comments>
		<pubDate>Thu, 05 Nov 2009 07:01:45 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[flu]]></category>
		<category><![CDATA[flu fighters]]></category>
		<category><![CDATA[flu prevention]]></category>
		<category><![CDATA[H1N1]]></category>
		<category><![CDATA[Pneumonic plague]]></category>
		<category><![CDATA[seasonal flu]]></category>
		<category><![CDATA[swine flu]]></category>
		<category><![CDATA[swine flu vaccine]]></category>
		<category><![CDATA[virus]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5358</guid>
		<description><![CDATA[With H1N1 going around and the vaccine in short supply (even the seasonal flu vaccine is hard to come by in some areas), you may want to find other ways to protect yourself this season. While nothing (not even the vaccine) is 100% guaranteed to keep you from getting the flu, there are many steps [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/05/105358_22-low-cost-flu-fighters.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>You Don&#8217;t Have To Tell Your Insurer Everything</title>
		<link>http://www.savingadvice.com/blog/2009/11/02/105356_you-dont-have-to-tell-your-insurer-everything.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/02/105356_you-dont-have-to-tell-your-insurer-everything.html#comments</comments>
		<pubDate>Mon, 02 Nov 2009 07:01:58 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[auto insurance claim]]></category>
		<category><![CDATA[auto insurance deductible]]></category>
		<category><![CDATA[car insurance claim]]></category>
		<category><![CDATA[insurance claim]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5356</guid>
		<description><![CDATA[A friend recently got a bit of a shock when his auto insurance came up for renewal. He discovered that his new rate was $400 higher than his old rate. He couldn&#8217;t figure out what was wrong until he remembered: He filed a minor, one person accident on his insurance. The total claim was for [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/02/105356_you-dont-have-to-tell-your-insurer-everything.html/feed</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Why Literacy Is An Important Financial Building Block</title>
		<link>http://www.savingadvice.com/blog/2009/10/30/105274_why-literacy-is-an-important-financial-building-block.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/30/105274_why-literacy-is-an-important-financial-building-block.html#comments</comments>
		<pubDate>Fri, 30 Oct 2009 07:01:49 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[book clubs]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[comprehend]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[functionally illiterate]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[literacy]]></category>
		<category><![CDATA[literacy skills]]></category>
		<category><![CDATA[living wage]]></category>
		<category><![CDATA[read to kids]]></category>
		<category><![CDATA[read write]]></category>
		<category><![CDATA[reading choices]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[story hours]]></category>
		<category><![CDATA[summer reading]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5274</guid>
		<description><![CDATA[&#8220;More than 20 percent of adults read at or below a fifth-grade level — far below the level needed to earn a living wage.&#8221; &#8211; National Institute for Literacy
&#8220;Nearly half of America&#8217;s adults are poor readers, or &#8216;functionally illiterate.&#8217; They can&#8217;t carry out simple tasks like balancing check books, reading drug labels or writing essays [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/30/105274_why-literacy-is-an-important-financial-building-block.html/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
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		<title>The Value of &#8220;Only&#8221; $40</title>
		<link>http://www.savingadvice.com/blog/2009/10/28/105262_the-value-of-only-40.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/28/105262_the-value-of-only-40.html#comments</comments>
		<pubDate>Wed, 28 Oct 2009 07:01:11 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[dining out]]></category>
		<category><![CDATA[friendship]]></category>
		<category><![CDATA[out to dinner]]></category>
		<category><![CDATA[pricey restaurant]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[value]]></category>
		<category><![CDATA[value system]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5262</guid>
		<description><![CDATA[Earlier this week a friend asked me out for dinner at a pretty pricey restaurant. Having been there once before for a special occasion I knew that the food and service wasn&#8217;t that great and definitely not worth the price tag (at least to me). I declined my friend&#8217;s invitation. When she asked why, I [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/28/105262_the-value-of-only-40.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>15 Excuses That Are Wrecking Your Finances</title>
		<link>http://www.savingadvice.com/blog/2009/10/26/105276_15-excuses-that-are-wrecking-your-finances.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/26/105276_15-excuses-that-are-wrecking-your-finances.html#comments</comments>
		<pubDate>Mon, 26 Oct 2009 07:01:20 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[defeatist thinking]]></category>
		<category><![CDATA[excuses]]></category>
		<category><![CDATA[financial excuses]]></category>
		<category><![CDATA[financial karma]]></category>
		<category><![CDATA[I deserve]]></category>
		<category><![CDATA[manage money]]></category>
		<category><![CDATA[money fears]]></category>
		<category><![CDATA[only young once]]></category>
		<category><![CDATA[overwhelmed]]></category>
		<category><![CDATA[peer pressure]]></category>
		<category><![CDATA[procrastination]]></category>
		<category><![CDATA[rewards]]></category>
		<category><![CDATA[time management]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5276</guid>
		<description><![CDATA[We all tend to make excuses from time to time. It&#8217;s just human nature. But I&#8217;ve seen people rely too heavily on excuses when it comes to finance. When they have too much debt or can&#8217;t seem to make ends meet they pull out the excuses as to why their life has to be this [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/26/105276_15-excuses-that-are-wrecking-your-finances.html/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Insidious Magazine Advertising</title>
		<link>http://www.savingadvice.com/blog/2009/10/22/105272_insidious-magazine-advertising.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/22/105272_insidious-magazine-advertising.html#comments</comments>
		<pubDate>Thu, 22 Oct 2009 07:01:35 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[buy crap]]></category>
		<category><![CDATA[magazine ads]]></category>
		<category><![CDATA[magazine advertising]]></category>
		<category><![CDATA[magazine subscription costs]]></category>
		<category><![CDATA[product reviews]]></category>
		<category><![CDATA[spend money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5272</guid>
		<description><![CDATA[I&#8217;m a big reader and some of my reading materials are magazines. Yet over the last few years I&#8217;ve been noticing something: Magazines aren&#8217;t always good for my wallet. It&#8217;s not the subscription costs, but the advertising that&#8217;s the problem. Magazines are full of ads; it&#8217;s how they pay for their publication. I get it. [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/22/105272_insidious-magazine-advertising.html/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Spend Now to Save In the Future</title>
		<link>http://www.savingadvice.com/blog/2009/10/19/105270_spend-now-to-save-in-the-future.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/19/105270_spend-now-to-save-in-the-future.html#comments</comments>
		<pubDate>Mon, 19 Oct 2009 07:01:55 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bargain hunting]]></category>
		<category><![CDATA[best price]]></category>
		<category><![CDATA[buy quality]]></category>
		<category><![CDATA[electronics]]></category>
		<category><![CDATA[lowest price]]></category>
		<category><![CDATA[quality clothing]]></category>
		<category><![CDATA[settling]]></category>
		<category><![CDATA[sheets]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5270</guid>
		<description><![CDATA[I&#8217;m sometimes guilty of focusing too much on getting something for the lowest price right now. Many people are like this. We want to pay the least amount possible so we hunt for inexpensive items. Whether it&#8217;s an appliance or something as simple as sheets, I tend to want the least expensive (but still decent) [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/19/105270_spend-now-to-save-in-the-future.html/feed</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Break the Soda Habit and Save $700 Per Year</title>
		<link>http://www.savingadvice.com/blog/2009/10/16/105268_break-the-soda-habit-and-save-700-per-year.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/16/105268_break-the-soda-habit-and-save-700-per-year.html#comments</comments>
		<pubDate>Fri, 16 Oct 2009 07:01:03 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[diet pepsi]]></category>
		<category><![CDATA[juice]]></category>
		<category><![CDATA[pop]]></category>
		<category><![CDATA[pop addiction]]></category>
		<category><![CDATA[rust remover]]></category>
		<category><![CDATA[soad]]></category>
		<category><![CDATA[soda addiction]]></category>
		<category><![CDATA[soda habit]]></category>
		<category><![CDATA[soda pop]]></category>
		<category><![CDATA[water]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5268</guid>
		<description><![CDATA[Up until a year or so ago I had a pretty bad soda habit. I guess there were others who have a bigger problem than I did, but mine was bad enough. I would routinely drink soda with lunch and dinner, and maybe one in between if the urge hit. I always drank diet so [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/16/105268_break-the-soda-habit-and-save-700-per-year.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Cost vs. Safety</title>
		<link>http://www.savingadvice.com/blog/2009/10/14/105266_cost-vs-safety.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/14/105266_cost-vs-safety.html#comments</comments>
		<pubDate>Wed, 14 Oct 2009 07:01:48 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[chemical consumption]]></category>
		<category><![CDATA[cleaning products]]></category>
		<category><![CDATA[diy]]></category>
		<category><![CDATA[lead in antiperspirant]]></category>
		<category><![CDATA[microwave popcorn]]></category>
		<category><![CDATA[plastic storage]]></category>
		<category><![CDATA[product safety]]></category>
		<category><![CDATA[PVC shower curtain]]></category>
		<category><![CDATA[safety]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5266</guid>
		<description><![CDATA[I&#8217;m all for saving money, but lately I&#8217;ve been focused less on buying the cheapest thing and instead looking at the overall safety and other problems associated with a product. You&#8217;ve probably heard about the lead tainted items from China, the BPA found in plastic that can cause hormone disruption, the PFOA found in microwave [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/14/105266_cost-vs-safety.html/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>When It&#8217;s a Good Idea to Pay a Fee</title>
		<link>http://www.savingadvice.com/blog/2009/10/12/105264_when-its-a-good-idea-to-pay-a-fee.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/12/105264_when-its-a-good-idea-to-pay-a-fee.html#comments</comments>
		<pubDate>Mon, 12 Oct 2009 07:01:32 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bill payment fee]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card annual fee]]></category>
		<category><![CDATA[excessive fees]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[good faith estimate fee]]></category>
		<category><![CDATA[good fees]]></category>
		<category><![CDATA[hidden fees]]></category>
		<category><![CDATA[insurance filing fee]]></category>
		<category><![CDATA[parking fee]]></category>
		<category><![CDATA[recycling fee]]></category>
		<category><![CDATA[senseless fees]]></category>
		<category><![CDATA[ticket fee]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5264</guid>
		<description><![CDATA[If you spend any time in the frugal/budget world, you&#8217;re likely to come away with the idea that you should reject all fees. If it means switching banks, changing how you pay for things, switching airlines, or dumping credit cards, we&#8217;re taught to shun all fees. We&#8217;re taught to dodge anything that reeks of nickel-and-diming [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/12/105264_when-its-a-good-idea-to-pay-a-fee.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
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