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	<title>SavingAdvice.com Blog &#187; Personal Finance</title>
	<atom:link href="http://www.savingadvice.com/blog/category/personal-finance/feed" rel="self" type="application/rss+xml" />
	<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>16</slash:comments>
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		<item>
		<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>
		</item>
		<item>
		<title>Death At WalMart</title>
		<link>http://www.savingadvice.com/blog/2009/11/04/105366_death-at-walmart.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/04/105366_death-at-walmart.html#comments</comments>
		<pubDate>Wed, 04 Nov 2009 07:01:41 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[burial casket]]></category>
		<category><![CDATA[caskets]]></category>
		<category><![CDATA[coffin]]></category>
		<category><![CDATA[cost of mortality]]></category>
		<category><![CDATA[death]]></category>
		<category><![CDATA[death and finances]]></category>
		<category><![CDATA[funeral costs]]></category>
		<category><![CDATA[headstone]]></category>
		<category><![CDATA[Walmart]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5366</guid>
		<description><![CDATA[The Circle of Life is almost complete at Walmart.  I just discovered that Walmart now offers a large selection of caskets for those of us who are planning for the great hereafter.  I suppose that it can&#8217;t be too long before Walmart also offers a mid-wife service, and after that, dormitories for its [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/04/105366_death-at-walmart.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
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		<item>
		<title>A Life Without Debt: Not Immune From The Credit Crisis</title>
		<link>http://www.savingadvice.com/blog/2009/11/03/105360_a-life-without-debt-not-immune-from-the-credit-crisis.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/03/105360_a-life-without-debt-not-immune-from-the-credit-crisis.html#comments</comments>
		<pubDate>Tue, 03 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[available credit]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card reward]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[economic crisis]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[no debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5360</guid>
		<description><![CDATA[I knew it was bound to happen, but I&#8217;d been hoping that somehow I&#8217;d avoid it. Despite having excellent credit and no debt, we got a letter from one of our credit card companies dropping our limit from $10,000 to $300. This was done because of &#8220;inactivity&#8221; on our account, which really translates into the [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/03/105360_a-life-without-debt-not-immune-from-the-credit-crisis.html/feed</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<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>
		</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>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>
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