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	<title>SavingAdvice.com Blog &#187; Education</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>American Culture Is Why People Don&#8217;t Save Money</title>
		<link>http://www.savingadvice.com/blog/2009/11/25/105457_american-culture-is-why-people-dont-save-money.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/25/105457_american-culture-is-why-people-dont-save-money.html#comments</comments>
		<pubDate>Wed, 25 Nov 2009 07:23:36 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[creatures of habit]]></category>
		<category><![CDATA[culture]]></category>
		<category><![CDATA[Duke University]]></category>
		<category><![CDATA[parental freedom]]></category>
		<category><![CDATA[social norms]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[teaching kids Dan Ariely]]></category>
		<category><![CDATA[US culture]]></category>
		<category><![CDATA[US social norms]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5457</guid>
		<description><![CDATA[Here is an interesting question to ponder. Is the reason that Americans are suck lousy savers due to the freedom that parents give to their kids as opposed to how children are raised in other countries? We aren&#8217;t told who we should marry, we aren&#8217;t told what job we should do, but we are also [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>Is College Really Necessary?</title>
		<link>http://www.savingadvice.com/blog/2009/09/16/105189_is-college-really-necessary.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/16/105189_is-college-really-necessary.html#comments</comments>
		<pubDate>Wed, 16 Sep 2009 07:01:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[college costs]]></category>
		<category><![CDATA[college debt]]></category>
		<category><![CDATA[college degree]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[junior college]]></category>
		<category><![CDATA[life skills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5189</guid>
		<description><![CDATA[It&#8217;s no secret that college costs are rising to ridiculous levels. Kids are graduating with huge debt loads. Even if their parents have saved for their schooling since birth, costs are rising so fast they&#8217;re still likely to have to take on debt or work during school. In the last twenty years or so we&#8217;ve [...]]]></description>
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		<slash:comments>17</slash:comments>
		</item>
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		<title>A Life Without Debt: Setting The Example</title>
		<link>http://www.savingadvice.com/blog/2009/09/08/105154_a-life-without-debt-setting-the-example.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/08/105154_a-life-without-debt-setting-the-example.html#comments</comments>
		<pubDate>Tue, 08 Sep 2009 07:01:54 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[debt advice]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[helping family with debt]]></category>
		<category><![CDATA[live below your means]]></category>
		<category><![CDATA[money skills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5154</guid>
		<description><![CDATA[If you&#8217;re debt free, chances are that you are one of the few in your family or circle of friends who is. In the circle of people I know well, only my parents and two close friends are debt free. I&#8217;ve met others but of the people I&#8217;m close to, I&#8217;m one of five debt [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/08/105154_a-life-without-debt-setting-the-example.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
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		<title>Cutting the Cost of Lessons and Coaching</title>
		<link>http://www.savingadvice.com/blog/2009/09/07/105150_cutting-the-cost-of-lessons-and-coaching.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/07/105150_cutting-the-cost-of-lessons-and-coaching.html#comments</comments>
		<pubDate>Mon, 07 Sep 2009 07:01:53 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[book lessons]]></category>
		<category><![CDATA[city leagues]]></category>
		<category><![CDATA[coaching]]></category>
		<category><![CDATA[dance lessons]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[group lessons]]></category>
		<category><![CDATA[lesson software]]></category>
		<category><![CDATA[lessons]]></category>
		<category><![CDATA[music lessons]]></category>
		<category><![CDATA[neighborhood lessons]]></category>
		<category><![CDATA[private lessons]]></category>
		<category><![CDATA[scholarships]]></category>
		<category><![CDATA[school activities]]></category>
		<category><![CDATA[school sports]]></category>
		<category><![CDATA[sports lessons]]></category>
		<category><![CDATA[video lessons]]></category>
		<category><![CDATA[YMCA]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5150</guid>
		<description><![CDATA[When money gets tight, lessons and coaching for the kids often end up on the chopping block. Whether it&#8217;s sports, music, or dance, these extracurricular activities are often costly and expendable in hard times. If your child is already in training to be an Olympic athlete or halfway to Julliard these strategies may not work, [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/07/105150_cutting-the-cost-of-lessons-and-coaching.html/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
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		<title>Cutting School Book Costs</title>
		<link>http://www.savingadvice.com/blog/2009/07/24/104887_cutting-school-book-costs.html</link>
		<comments>http://www.savingadvice.com/blog/2009/07/24/104887_cutting-school-book-costs.html#comments</comments>
		<pubDate>Fri, 24 Jul 2009 07:01:55 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Amazon used books]]></category>
		<category><![CDATA[bookrenter]]></category>
		<category><![CDATA[buy used books]]></category>
		<category><![CDATA[parochial high school]]></category>
		<category><![CDATA[previous edition books]]></category>
		<category><![CDATA[rent a book]]></category>
		<category><![CDATA[school book costs]]></category>
		<category><![CDATA[school books]]></category>
		<category><![CDATA[share books]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4887</guid>
		<description><![CDATA[I&#8217;ve mentioned that my son attends a parochial high school. That means that right about this time every summer, we receive a list of his classes and directions to visit the school’s on-line book store.  I love books, but it is always with a bit of trepidation that I make my preliminary on-line visit [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/07/24/104887_cutting-school-book-costs.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Little House on the Prairie Financial Lessons</title>
		<link>http://www.savingadvice.com/blog/2009/07/23/104872_little-house-on-the-prairie-financial-lessons.html</link>
		<comments>http://www.savingadvice.com/blog/2009/07/23/104872_little-house-on-the-prairie-financial-lessons.html#comments</comments>
		<pubDate>Thu, 23 Jul 2009 07:01:29 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></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[Work]]></category>
		<category><![CDATA[Christmas costs]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[financial lesson]]></category>
		<category><![CDATA[Little House on the Prarie]]></category>
		<category><![CDATA[tough times]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4872</guid>
		<description><![CDATA[I grew up watching Little House on the Prairie in the 70&#8217;s. Each episode had a moral to it, but it wasn&#8217;t until I staged a marathon viewing session courtesy of Netflix that I realized how many of those episodes dealt with the subject of money in some form. Maybe some of my money habits [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/07/23/104872_little-house-on-the-prairie-financial-lessons.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Back to School Shopping on a Budget</title>
		<link>http://www.savingadvice.com/blog/2009/07/13/104827_back-to-school-shopping-on-a-budget.html</link>
		<comments>http://www.savingadvice.com/blog/2009/07/13/104827_back-to-school-shopping-on-a-budget.html#comments</comments>
		<pubDate>Mon, 13 Jul 2009 07:01:20 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[back to school]]></category>
		<category><![CDATA[back to school shopping]]></category>
		<category><![CDATA[buy used]]></category>
		<category><![CDATA[reuse]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[tax free holiday]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4827</guid>
		<description><![CDATA[Now that the Fourth of July has passed, the next big item on the calendar is back to school shopping. This year is likely to be financially tighter than previous years for many people. Not only are families facing tighter budgets, state shortfalls are placing more of the supply burden on parents rather than school [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/07/13/104827_back-to-school-shopping-on-a-budget.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Being More Valuable in the Work Place</title>
		<link>http://www.savingadvice.com/blog/2009/06/18/104743_being-more-valuable-in-the-workplace.html</link>
		<comments>http://www.savingadvice.com/blog/2009/06/18/104743_being-more-valuable-in-the-workplace.html#comments</comments>
		<pubDate>Thu, 18 Jun 2009 07:01:15 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4743</guid>
		<description><![CDATA[I am in the midst of a job search.  Although I have excellent experience and academic credentials, I am one of the hundreds of thousands of intelligent, articulate and qualified jobseekers in the market today.  I am sure I shall eventually find a job, but my job search has taught me that despite [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/06/18/104743_being-more-valuable-in-the-workplace.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Stop Depending On Others to Fix Everything</title>
		<link>http://www.savingadvice.com/blog/2009/06/15/104723_stop-depending-on-others-to-fix-everything.html</link>
		<comments>http://www.savingadvice.com/blog/2009/06/15/104723_stop-depending-on-others-to-fix-everything.html#comments</comments>
		<pubDate>Mon, 15 Jun 2009 07:01:21 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4723</guid>
		<description><![CDATA[I was listening to the radio the other day and the DJ was talking about how he had to call someone to come fix his garage door opener. No matter how much he pushed the button, it wouldn&#8217;t open. There was no sign of life from the thing; even the overhead light didn&#8217;t work. So [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/06/15/104723_stop-depending-on-others-to-fix-everything.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
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