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	<title>SavingAdvice.com Blog &#187; Budgeting</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>A Debt Free Life: The Value of Debt Free Friends</title>
		<link>http://www.savingadvice.com/blog/2009/11/24/105448_a-debt-free-life-the-value-of-debt-free-friends.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/24/105448_a-debt-free-life-the-value-of-debt-free-friends.html#comments</comments>
		<pubDate>Tue, 24 Nov 2009 07:01:29 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[friendship]]></category>
		<category><![CDATA[good deal]]></category>
		<category><![CDATA[it's not in the budget]]></category>
		<category><![CDATA[saving tip]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5448</guid>
		<description><![CDATA[In the process of making out my Christmas card list for the year, I was struck by how many of our close friends are also debt free. I&#8217;ve never given it much thought, but there it was. We didn&#8217;t plan it this way, it just sort of evolved over the years. Like any sort of [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/24/105448_a-debt-free-life-the-value-of-debt-free-friends.html/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Work Doesn&#8217;t Have To Be A Drag</title>
		<link>http://www.savingadvice.com/blog/2009/11/17/105412_a-life-without-debt-work-doesnt-have-to-be-a-drag.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/17/105412_a-life-without-debt-work-doesnt-have-to-be-a-drag.html#comments</comments>
		<pubDate>Tue, 17 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[can't quit job]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[freelance work]]></category>
		<category><![CDATA[full-time work]]></category>
		<category><![CDATA[job]]></category>
		<category><![CDATA[miserable at work]]></category>
		<category><![CDATA[part-time job]]></category>
		<category><![CDATA[real job]]></category>
		<category><![CDATA[work environment]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5412</guid>
		<description><![CDATA[My last &#8220;real job&#8221; where I worked full-time for someone else was a mess. There was sexual harassment, bullying, unfair hours and demands, and all sorts of other foolishness going on. I was young and hadn&#8217;t yet saved up a large emergency fund, so leaving wasn&#8217;t possible unless I had another job lined up. Not [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/17/105412_a-life-without-debt-work-doesnt-have-to-be-a-drag.html/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: &#8220;You Must Have a Huge Income!&#8221;</title>
		<link>http://www.savingadvice.com/blog/2009/11/10/105391_a-life-without-debt-you-must-have-a-huge-income.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/10/105391_a-life-without-debt-you-must-have-a-huge-income.html#comments</comments>
		<pubDate>Tue, 10 Nov 2009 07:01:54 +0000</pubDate>
		<dc:creator>Sadie Morris</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[daily choices]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[delay gratification]]></category>
		<category><![CDATA[huge income]]></category>
		<category><![CDATA[income level]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5391</guid>
		<description><![CDATA[One of the most common responses I get when people find out that I&#8217;m debt free is, &#8220;Well, that&#8217;s nice for you, but you probably have a huge income.&#8221; I&#8217;m not alone. Many of my debt free friends say that they get the same response. The assumption is that in order to live debt free [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/10/105391_a-life-without-debt-you-must-have-a-huge-income.html/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Shopping Lessons I Hope My Son Learns</title>
		<link>http://www.savingadvice.com/blog/2009/10/29/105347_shopping-lessons-i-have-learned.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/29/105347_shopping-lessons-i-have-learned.html#comments</comments>
		<pubDate>Thu, 29 Oct 2009 07:01:03 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bigger is not better]]></category>
		<category><![CDATA[bogo]]></category>
		<category><![CDATA[coffee]]></category>
		<category><![CDATA[coffee shop]]></category>
		<category><![CDATA[frugalista]]></category>
		<category><![CDATA[functionality]]></category>
		<category><![CDATA[low tech]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[patience]]></category>
		<category><![CDATA[return policy]]></category>
		<category><![CDATA[waste money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5347</guid>
		<description><![CDATA[The other day, I went out for coffee with my teen-aged son.  My son and I went on a Sunday and I was not sure whether the bakery would be open as it was late in the day.  My son asked why we were going to that particular bakery; since there is a [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/29/105347_shopping-lessons-i-have-learned.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<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>Going Into Debt to Have Kids</title>
		<link>http://www.savingadvice.com/blog/2009/10/20/105281_going-into-debt-to-have-kids.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/20/105281_going-into-debt-to-have-kids.html#comments</comments>
		<pubDate>Tue, 20 Oct 2009 07:01:44 +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[adoption debt]]></category>
		<category><![CDATA[baby surrogate]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debt and religion]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[debt to have kids]]></category>
		<category><![CDATA[deep debt]]></category>
		<category><![CDATA[fertility treatment]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[good debt]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5281</guid>
		<description><![CDATA[By Maggie Ellis
It is widely taught in financial education that there are only two kinds of debt that can be considered &#8220;good debt&#8221;: A mortgage and student loans (as long as they aren&#8217;t beyond your ability to repay comfortably). We&#8217;re always taught that it&#8217;s okay to go into debt to buy a house or another [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/20/105281_going-into-debt-to-have-kids.html/feed</wfw:commentRss>
		<slash:comments>19</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>
		</item>
		<item>
		<title>Why You Want to Save Money and What You&#8217;re Willing to Do About It</title>
		<link>http://www.savingadvice.com/blog/2009/10/05/105258_why-you-want-to-save-money-and-what-youre-willing-to-do-about-it.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/05/105258_why-you-want-to-save-money-and-what-youre-willing-to-do-about-it.html#comments</comments>
		<pubDate>Mon, 05 Oct 2009 07:01:40 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[have a reason]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[savings strategy]]></category>
		<category><![CDATA[set a goal]]></category>
		<category><![CDATA[take a trip]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5258</guid>
		<description><![CDATA[One of the things I&#8217;ve learned along my own frugal journey and through helping others with their financial problems is that the reasons behind living frugally/saving money often dictate just how far a person is willing to go in order to cut spending. I&#8217;ve learned that in order to have the greatest chance of success, [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/05/105258_why-you-want-to-save-money-and-what-youre-willing-to-do-about-it.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>The Financial Benefits of Yearly Passes</title>
		<link>http://www.savingadvice.com/blog/2009/09/24/105219_the-financial-benefits-of-yearly-passes.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/24/105219_the-financial-benefits-of-yearly-passes.html#comments</comments>
		<pubDate>Thu, 24 Sep 2009 07:01:01 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Atlantis]]></category>
		<category><![CDATA[fixed entertainment costs]]></category>
		<category><![CDATA[free parking pass]]></category>
		<category><![CDATA[Orlando Florida]]></category>
		<category><![CDATA[Sea World]]></category>
		<category><![CDATA[Sea World annual]]></category>
		<category><![CDATA[SeaWorld Orlando]]></category>
		<category><![CDATA[theme park]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5219</guid>
		<description><![CDATA[Today I rode Atlantis another seven times.  That brings my total up to twenty-two rides in the past three weeks.  Atlantis, for those of you who are not familiar with SeaWorld Orlando, is a flume ride that my son and I rather enjoy &#8212; so much so that we have decided to ride [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/24/105219_the-financial-benefits-of-yearly-passes.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
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