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	<title>SavingAdvice.com Blog &#187; Relationships</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 such 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>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/25/105457_american-culture-is-why-people-dont-save-money.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
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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>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>
		</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>Celebrate Veteran&#8217;s Day</title>
		<link>http://www.savingadvice.com/blog/2009/11/11/105368_celebrate-veterans-day.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/11/105368_celebrate-veterans-day.html#comments</comments>
		<pubDate>Wed, 11 Nov 2009 08:00:36 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[first world war]]></category>
		<category><![CDATA[Korean war]]></category>
		<category><![CDATA[military families]]></category>
		<category><![CDATA[military service]]></category>
		<category><![CDATA[military veteran]]></category>
		<category><![CDATA[November 11]]></category>
		<category><![CDATA[nursing home]]></category>
		<category><![CDATA[Veteran's Day]]></category>
		<category><![CDATA[veteran's hospital]]></category>
		<category><![CDATA[world war II]]></category>
		<category><![CDATA[world war one]]></category>
		<category><![CDATA[WW1]]></category>
		<category><![CDATA[WWII]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5368</guid>
		<description><![CDATA[On the eleventh hour of the eleventh day of the eleventh month of 1918, the War to End All Wars finally drew to a close when the combatant nations signed an armistice to end the First World War.  That event was commemorated for the first time on November 11, 1919.  Over the years [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/11/105368_celebrate-veterans-day.html/feed</wfw:commentRss>
		<slash:comments>4</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>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>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>Starting My Own Business</title>
		<link>http://www.savingadvice.com/blog/2009/10/08/105292_starting-my-own-business.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/08/105292_starting-my-own-business.html#comments</comments>
		<pubDate>Thu, 08 Oct 2009 07:01:10 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[business opportunities]]></category>
		<category><![CDATA[business ownership]]></category>
		<category><![CDATA[clients]]></category>
		<category><![CDATA[job]]></category>
		<category><![CDATA[local licenses]]></category>
		<category><![CDATA[new employment]]></category>
		<category><![CDATA[self employment]]></category>
		<category><![CDATA[trade associations]]></category>
		<category><![CDATA[unemployed]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5292</guid>
		<description><![CDATA[After close to thirty years of working for other people, I have finally decided to hang out a shingle on my own.  For some people, self-employment is a natural extension of who they are.  For me, as I insist on the possibility of great success in anything I undertake, the decision to go [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/08/105292_starting-my-own-business.html/feed</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>Why I Don&#8217;t Save Money</title>
		<link>http://www.savingadvice.com/blog/2009/09/18/105214_why-i-dont-save-money.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/18/105214_why-i-dont-save-money.html#comments</comments>
		<pubDate>Fri, 18 Sep 2009 07:01:18 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[following dreams]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[too frugal]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5214</guid>
		<description><![CDATA[By Rebecka O.
Six years, 3 months and 13 days ago my mother died and changed the way that I look at money. She had always been frugal and a constant saver. When she passed away, she had an estate worth more than $1.5 million which had been accumulated on the small wages of being a [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/18/105214_why-i-dont-save-money.html/feed</wfw:commentRss>
		<slash:comments>21</slash:comments>
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