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	<title>SavingAdvice.com Blog &#187; Frugal</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>Why I Keep My SUV</title>
		<link>http://www.savingadvice.com/blog/2009/11/06/105363_cars-suv.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/06/105363_cars-suv.html#comments</comments>
		<pubDate>Fri, 06 Nov 2009 07:01:34 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[car dings]]></category>
		<category><![CDATA[car stress]]></category>
		<category><![CDATA[cash for clunkers]]></category>
		<category><![CDATA[cost of car]]></category>
		<category><![CDATA[flashy car]]></category>
		<category><![CDATA[learner's permit]]></category>
		<category><![CDATA[new car]]></category>
		<category><![CDATA[SUV]]></category>
		<category><![CDATA[used car]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5363</guid>
		<description><![CDATA[I drive an SUV that I purchased new in 2002.  It has relatively low mileage but, after nearly eight years of hauling sports equipment for my kids and mulch for my garden, and after assorted spills while my kids negotiated who got to sit where, my car is not as pristine as it once [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/06/105363_cars-suv.html/feed</wfw:commentRss>
		<slash:comments>18</slash:comments>
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		<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>
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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>
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		<slash:comments>10</slash:comments>
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		<title>Not Feeling Guilty About Freebies</title>
		<link>http://www.savingadvice.com/blog/2009/10/27/105342_not-feeling-guilty-about-freebies.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/27/105342_not-feeling-guilty-about-freebies.html#comments</comments>
		<pubDate>Tue, 27 Oct 2009 07:01:09 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bargain]]></category>
		<category><![CDATA[bogo]]></category>
		<category><![CDATA[deals]]></category>
		<category><![CDATA[free stuff]]></category>
		<category><![CDATA[freebies]]></category>
		<category><![CDATA[get a good deal]]></category>
		<category><![CDATA[local business]]></category>
		<category><![CDATA[national chain freebies]]></category>
		<category><![CDATA[public radio]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5342</guid>
		<description><![CDATA[Like most people, I love to find a bargain.  A BOGO deal coupled with a great coupon is a cause for great pride.  A 90%-off clearance sale where I can find things that I will actually use is a great thing.  A 50th anniversary celebration at a restaurant that rolls back its [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/27/105342_not-feeling-guilty-about-freebies.html/feed</wfw:commentRss>
		<slash:comments>11</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>Buying Artwork on a Budget</title>
		<link>http://www.savingadvice.com/blog/2009/10/21/105323_buying-artwork-on-a-budget.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/21/105323_buying-artwork-on-a-budget.html#comments</comments>
		<pubDate>Wed, 21 Oct 2009 07:01:47 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[antique actions]]></category>
		<category><![CDATA[antique shops]]></category>
		<category><![CDATA[art actions]]></category>
		<category><![CDATA[art schools]]></category>
		<category><![CDATA[artists]]></category>
		<category><![CDATA[artwork]]></category>
		<category><![CDATA[budget artwork]]></category>
		<category><![CDATA[craft shops]]></category>
		<category><![CDATA[furniture]]></category>
		<category><![CDATA[thrift shops]]></category>
		<category><![CDATA[thrift stores]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5323</guid>
		<description><![CDATA[When my wife and I were first married, we spent many weekends searching for art and antiques at auctions, antique shops and thrift shops.  We never spent a lot of money on anything we bought and, after a few years, our New England home was full of wonderful 18th and 19th century pieces.  [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/21/105323_buying-artwork-on-a-budget.html/feed</wfw:commentRss>
		<slash:comments>6</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>It&#8217;s Wrong to Bring Your Own Drink to a Restaurant</title>
		<link>http://www.savingadvice.com/blog/2009/10/15/105315_its-wrong-to-bring-your-own-drink-to-a-restaurant.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/15/105315_its-wrong-to-bring-your-own-drink-to-a-restaurant.html#comments</comments>
		<pubDate>Thu, 15 Oct 2009 07:01:04 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[bring your own drink]]></category>
		<category><![CDATA[bring your own food]]></category>
		<category><![CDATA[drinks]]></category>
		<category><![CDATA[food at movie theater]]></category>
		<category><![CDATA[frugalista]]></category>
		<category><![CDATA[iced coffee]]></category>
		<category><![CDATA[movie theater]]></category>
		<category><![CDATA[restaurant]]></category>
		<category><![CDATA[restaurant manners]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5315</guid>
		<description><![CDATA[I like to sip iced coffee when I drive.  I am not sure that I like the coffee as much as I like crunching on the coffee-flavored ice, but for whatever reason, I like to have an iced coffee in the car.  Of course, as a responsible frugalista, I would never admit to [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/15/105315_its-wrong-to-bring-your-own-drink-to-a-restaurant.html/feed</wfw:commentRss>
		<slash:comments>28</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>
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		<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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