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	<title>SavingAdvice.com Blog &#187; Personal Finance</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>How To Avoid Looking Cheap</title>
		<link>http://www.savingadvice.com/blog/2009/11/20/105435_how-to-avoid-looking-cheap.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/20/105435_how-to-avoid-looking-cheap.html#comments</comments>
		<pubDate>Fri, 20 Nov 2009 07:01:41 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cheap]]></category>
		<category><![CDATA[cheap vs frugal]]></category>
		<category><![CDATA[cost conscience]]></category>
		<category><![CDATA[fashionable]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5435</guid>
		<description><![CDATA[I need to buy new sneakers today.  I know this because when I took my dog for a walk this morning, the plastic heel guard in my right sneaker tore through the fabric cover and scratched my heel.  More specifically, the abrasion continued for the full mile that I walked so that I [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/20/105435_how-to-avoid-looking-cheap.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
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		<title>The Perils of Pre-Paid Gift Cards</title>
		<link>http://www.savingadvice.com/blog/2009/11/19/105410_the-perils-of-pre-paid-gift-cards.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/19/105410_the-perils-of-pre-paid-gift-cards.html#comments</comments>
		<pubDate>Thu, 19 Nov 2009 07:01:40 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[gift card expiration dates]]></category>
		<category><![CDATA[gift card fees]]></category>
		<category><![CDATA[gift cards]]></category>
		<category><![CDATA[gift credit cards]]></category>
		<category><![CDATA[holiday season gifts]]></category>
		<category><![CDATA[MasterCard]]></category>
		<category><![CDATA[prepaid debt cards]]></category>
		<category><![CDATA[prepaid gift cards]]></category>
		<category><![CDATA[store value cards]]></category>
		<category><![CDATA[swipe fees]]></category>
		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5410</guid>
		<description><![CDATA[As we head into the holiday season and start looking for gifts to give to those hard to buy for people, gift cards stand out as easy gifts that everyone enjoys. But if you&#8217;re thinking of giving a pre-paid gift card that&#8217;s branded with a credit card logo, you might want to think of another [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/19/105410_the-perils-of-pre-paid-gift-cards.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How to Cook Like in the Great Depression</title>
		<link>http://www.savingadvice.com/blog/2009/11/18/105431_how-to-cook-like-in-the-great-depression.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/18/105431_how-to-cook-like-in-the-great-depression.html#comments</comments>
		<pubDate>Wed, 18 Nov 2009 07:01:58 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cheap cooking]]></category>
		<category><![CDATA[cheap meals]]></category>
		<category><![CDATA[clara]]></category>
		<category><![CDATA[dandelion salad]]></category>
		<category><![CDATA[depression breakfast]]></category>
		<category><![CDATA[dollar meals]]></category>
		<category><![CDATA[Great Depression]]></category>
		<category><![CDATA[great depression cooking]]></category>
		<category><![CDATA[poorman's meal' poorman's feast]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5431</guid>
		<description><![CDATA[Looking for inexpensive meals on a tight budget? Look no further than Great Depression Cooking with Clara where 94 year old Clara  teaches the meals she made during the great depression (the videos were made from the time she was 91 &#8211; 94) while telling stories of the past. A great combination that will [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/18/105431_how-to-cook-like-in-the-great-depression.html/feed</wfw:commentRss>
		<slash:comments>9</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>Are You Making Your Life More Complicated (And Expensive) Than It Needs To Be?</title>
		<link>http://www.savingadvice.com/blog/2009/11/16/105406_are-you-making-your-life-more-complicated-and-expensive-than-it-needs-to-be.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/16/105406_are-you-making-your-life-more-complicated-and-expensive-than-it-needs-to-be.html#comments</comments>
		<pubDate>Mon, 16 Nov 2009 07:01:44 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cleaning the bathroom]]></category>
		<category><![CDATA[daily washing]]></category>
		<category><![CDATA[driving kids]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[grocery store]]></category>
		<category><![CDATA[hair salon]]></category>
		<category><![CDATA[life more complicated]]></category>
		<category><![CDATA[mowing the lawn]]></category>
		<category><![CDATA[oil change]]></category>
		<category><![CDATA[volunteering]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5406</guid>
		<description><![CDATA[Many of us find ourselves pressed for time and/or money, at least some of the time. And while it&#8217;s true that life can be harrying with it&#8217;s demands of cooking, cleaning, work, childcare, and maintenance chores, it&#8217;s also true that we bring some of those demands upon ourselves by doing way more than we need [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/16/105406_are-you-making-your-life-more-complicated-and-expensive-than-it-needs-to-be.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Five Topics You Should Never Discuss With Clients</title>
		<link>http://www.savingadvice.com/blog/2009/11/13/105404_five-topics-you-should-never-discuss-with-clients.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/13/105404_five-topics-you-should-never-discuss-with-clients.html#comments</comments>
		<pubDate>Fri, 13 Nov 2009 16:14:45 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[gossip]]></category>
		<category><![CDATA[politics]]></category>
		<category><![CDATA[regrets]]></category>
		<category><![CDATA[religion]]></category>
		<category><![CDATA[self-employed]]></category>
		<category><![CDATA[sex]]></category>
		<category><![CDATA[taboo subjects]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5404</guid>
		<description><![CDATA[I am tired.  I have been up for the past two nights until about 1 am trying to finish projects for clients and writing content for my website.  I am also a bit under the weather, as I seem to have a sore throat and headache that just won&#8217;t go away.  I [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/13/105404_five-topics-you-should-never-discuss-with-clients.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Christmas In a Down Economy</title>
		<link>http://www.savingadvice.com/blog/2009/11/12/105388_christmas-in-a-down-economy.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/12/105388_christmas-in-a-down-economy.html#comments</comments>
		<pubDate>Thu, 12 Nov 2009 07:01:03 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[budget Christmas]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas marketing]]></category>
		<category><![CDATA[down economy]]></category>
		<category><![CDATA[frugal Christmas]]></category>
		<category><![CDATA[frugal Christmas gifts]]></category>
		<category><![CDATA[frugal holiday season]]></category>
		<category><![CDATA[Frugal holidays]]></category>
		<category><![CDATA[xmas]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5388</guid>
		<description><![CDATA[Now that Halloween is over, the retailers have removed the gloves and stopped pretending like any other holiday matters. It&#8217;s now full speed ahead to Christmas. Usually I dread this time of year. 
I enjoy Christmas itself but I hate all the trappings that go along with it. I hate the marketing hype and the [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/12/105388_christmas-in-a-down-economy.html/feed</wfw:commentRss>
		<slash:comments>8</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>One Benefit To The Economic Mess: Less Pressure</title>
		<link>http://www.savingadvice.com/blog/2009/11/09/105386_one-benefit-to-the-economic-mess-less-pressure.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/09/105386_one-benefit-to-the-economic-mess-less-pressure.html#comments</comments>
		<pubDate>Mon, 09 Nov 2009 07:01:39 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bad economy]]></category>
		<category><![CDATA[bigger is better]]></category>
		<category><![CDATA[cost cutting]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[excess consumption]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[keep up with the Joneses]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5386</guid>
		<description><![CDATA[While I&#8217;ve never been one to keep up with the Jones&#8217;, I&#8217;ve noticed a palpable sense of relief amongst many friends, acquaintances, and message board posters that the pressure to keep up, show off, and compete is off. At least for the moment. 
In the heyday of the 1990&#8217;s and early 2000&#8217;s, everything was about [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/09/105386_one-benefit-to-the-economic-mess-less-pressure.html/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<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>20</slash:comments>
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