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	<title>SavingAdvice.com Blog</title>
	
	<link>http://www.savingadvice.com/blog</link>
	<description>Bridging the gap between saving money and investing</description>
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			<atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/PersonalFinanceAdvice" /><feedburner:emailServiceId>PersonalFinanceAdvice</feedburner:emailServiceId><feedburner:feedburnerHostname>http://feedburner.google.com</feedburner:feedburnerHostname><feedburner:browserFriendly>This is an XML content feed. It is intended to be viewed in a newsreader or syndicated to another site, subject to copyright and fair use.</feedburner:browserFriendly><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com" /><item>
		<title>How Stores Trick You Into Spending More</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/Ht7MgmlTELs/105568_how-stores-trick-you-into-spending-more.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/18/105568_how-stores-trick-you-into-spending-more.html#comments</comments>
		<pubDate>Fri, 18 Dec 2009 17:44:48 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[good better best]]></category>
		<category><![CDATA[halo effect]]></category>
		<category><![CDATA[impulse purchase]]></category>
		<category><![CDATA[lee eisenberg]]></category>
		<category><![CDATA[shopping emotions]]></category>
		<category><![CDATA[shopping perceptions]]></category>
		<category><![CDATA[shopping reasoning]]></category>
		<category><![CDATA[shopping tricks]]></category>
		<category><![CDATA[shoptimism]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5568</guid>
		<description><![CDATA[What a lot of people don&#8217;t realize is that there is a lot of research and planning to get you to spend more when you walk into a store. Lee Eisenberg,the author of &#8220;Shoptimism&#8221; says that the retail outlets are experts at playing on your emotions, your perceptions and your lack of critical reasoning. 
What [...]]]></description>
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		<slash:comments>4</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/18/105568_how-stores-trick-you-into-spending-more.html</feedburner:origLink></item>
		<item>
		<title>What Do You Really Remember About Christmas?</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/FYpJCMJ2AXQ/105554_what-do-you-really-remember-about-christmas.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/17/105554_what-do-you-really-remember-about-christmas.html#comments</comments>
		<pubDate>Thu, 17 Dec 2009 07:01:16 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[anticipation]]></category>
		<category><![CDATA[Christmas cookies]]></category>
		<category><![CDATA[Christmas eve]]></category>
		<category><![CDATA[Christmas party]]></category>
		<category><![CDATA[Christmas shopping]]></category>
		<category><![CDATA[Christmas to remember]]></category>
		<category><![CDATA[decorating the tree]]></category>
		<category><![CDATA[expensive Christmas gifts]]></category>
		<category><![CDATA[gift exchange]]></category>
		<category><![CDATA[grandma's house]]></category>
		<category><![CDATA[kid's table]]></category>
		<category><![CDATA[Santa]]></category>
		<category><![CDATA[Xmas shopping]]></category>
		<category><![CDATA[Zhu Zhu pets]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5554</guid>
		<description><![CDATA[I had to go out the other day to run some errands and I got caught in the Christmas shopping rush. At Target, people were pushing carts heaped with toys through the aisles and there was a beat down going on in the toy department over a shipment of Zhu Zhu pets. I overheard someone [...]]]></description>
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		<slash:comments>6</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/17/105554_what-do-you-really-remember-about-christmas.html</feedburner:origLink></item>
		<item>
		<title>Owning a Small Business: The Office</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/Y5VFpuNT1V4/105563_owning-a-small-business-the-office.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/16/105563_owning-a-small-business-the-office.html#comments</comments>
		<pubDate>Wed, 16 Dec 2009 07:01:34 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[Regus]]></category>
		<category><![CDATA[virtual office]]></category>
		<category><![CDATA[work from home]]></category>
		<category><![CDATA[work office]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5563</guid>
		<description><![CDATA[My business definitely qualifies as a small business.  I hope that it will someday grow into a bigger business but, for now, it is just me doing what I do. That is fine because my clients know that they will get quality service from me even though I am not backed by an army [...]]]></description>
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		<slash:comments>7</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/16/105563_owning-a-small-business-the-office.html</feedburner:origLink></item>
		<item>
		<title>A Life Without Debt: It’s Not a Poor Life</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/Kl74ovOeJug/105556_a-life-without-debt-its-not-a-poor-life.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/15/105556_a-life-without-debt-its-not-a-poor-life.html#comments</comments>
		<pubDate>Tue, 15 Dec 2009 07:01:21 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[no money]]></category>
		<category><![CDATA[poor life]]></category>
		<category><![CDATA[rich life]]></category>
		<category><![CDATA[saving money strategies]]></category>
		<category><![CDATA[scrimp and save]]></category>
		<category><![CDATA[waste money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5556</guid>
		<description><![CDATA[I&#8217;ve noticed that some respondents to my previous articles seem to think that I&#8217;m living a life of deprivation because I choose to save money aggressively and live debt free. I want to set the record straight: A debt free life is not a poor life; it&#8217;s not a life of deprivation and suffering. It&#8217;s [...]]]></description>
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		<slash:comments>8</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/15/105556_a-life-without-debt-its-not-a-poor-life.html</feedburner:origLink></item>
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		<title>22 Ways to Print for Less</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/kPXC4YrI_oI/105552_22-ways-to-print-for-less.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/14/105552_22-ways-to-print-for-less.html#comments</comments>
		<pubDate>Mon, 14 Dec 2009 07:01:14 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cheap printer cartridges]]></category>
		<category><![CDATA[computer printer]]></category>
		<category><![CDATA[cost of printer ink]]></category>
		<category><![CDATA[draft setting]]></category>
		<category><![CDATA[print for less]]></category>
		<category><![CDATA[printer cartridges]]></category>
		<category><![CDATA[printing]]></category>
		<category><![CDATA[save ink]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[save on printing costs]]></category>
		<category><![CDATA[save printer ink]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5552</guid>
		<description><![CDATA[A recent article in Woman&#8217;s Day magazine stated that the average household goes through a ream of printer paper every three to four days and spends about $60 every three months for printer cartridges and paper. That&#8217;s $240 per year on printer supplies. Ouch. Our household spends far less than that — about $60 per [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/12/14/105552_22-ways-to-print-for-less.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/14/105552_22-ways-to-print-for-less.html</feedburner:origLink></item>
		<item>
		<title>When It Makes Sense To Buy Lifetime Warranty Parts</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/PQUd6GkvPaI/105559_when-it-makes-sense-to-buy-lifetime-warranty-parts.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/11/105559_when-it-makes-sense-to-buy-lifetime-warranty-parts.html#comments</comments>
		<pubDate>Sat, 12 Dec 2009 04:43:18 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Financial Videos]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[auto parts]]></category>
		<category><![CDATA[battery]]></category>
		<category><![CDATA[Chariot]]></category>
		<category><![CDATA[chock absorbers]]></category>
		<category><![CDATA[Ford]]></category>
		<category><![CDATA[lifetime warranty]]></category>
		<category><![CDATA[Mercury]]></category>
		<category><![CDATA[muffler]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5559</guid>
		<description><![CDATA[If you know that you are going to have your car for a long time, buying parts with a lifetime warranty can make a lot of sense, even if those parts are more expensive than others that are available. That is a lesson that can be learned from Rachel and her car named Chariot. She [...]]]></description>
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		<slash:comments>2</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/11/105559_when-it-makes-sense-to-buy-lifetime-warranty-parts.html</feedburner:origLink></item>
		<item>
		<title>Get More Money Without a Second Job</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/l7WbpzBUU0k/105535_get-more-money-without-a-second-job.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/10/105535_get-more-money-without-a-second-job.html#comments</comments>
		<pubDate>Thu, 10 Dec 2009 07:01:17 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[car payments]]></category>
		<category><![CDATA[common fixed expenses]]></category>
		<category><![CDATA[debt payments]]></category>
		<category><![CDATA[fixed expenses]]></category>
		<category><![CDATA[food]]></category>
		<category><![CDATA[fuel]]></category>
		<category><![CDATA[more money]]></category>
		<category><![CDATA[mortgage payment]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[second job]]></category>
		<category><![CDATA[services]]></category>
		<category><![CDATA[utility bills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5535</guid>
		<description><![CDATA[When thoughts turn to getting more cash every month, many people assume that they&#8217;ll have to take a second job. That may be true. If your financial situation is dire or if you have your heart set on some big ticket item, a second job may be the only way to get to the necessary [...]]]></description>
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		<slash:comments>8</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/10/105535_get-more-money-without-a-second-job.html</feedburner:origLink></item>
		<item>
		<title>Too Old for Gifts, But Not for Christmas</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/9cSfuglALdw/105545_christmas.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/09/105545_christmas.html#comments</comments>
		<pubDate>Wed, 09 Dec 2009 07:01:29 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Christmas gifts]]></category>
		<category><![CDATA[Christmas presents]]></category>
		<category><![CDATA[Christmas shopping]]></category>
		<category><![CDATA[difficult to give]]></category>
		<category><![CDATA[gift giving]]></category>
		<category><![CDATA[gifts]]></category>
		<category><![CDATA[presents]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5545</guid>
		<description><![CDATA[Christmas is less than three weeks away.  In past years, I would have completed my shopping by now.  Indeed, in past years my shopping has always been done by about the middle of October.  This year presents new challenges and I don’t know what to do about them.  My kids are [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/12/09/105545_christmas.html/feed</wfw:commentRss>
		<slash:comments>10</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/09/105545_christmas.html</feedburner:origLink></item>
		<item>
		<title>A Life Without Debt: I’ll Never Be Debt Free</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/Bb0D5fuDsHE/105538_a-life-without-debt-ill-never-be-debt-free.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/08/105538_a-life-without-debt-ill-never-be-debt-free.html#comments</comments>
		<pubDate>Tue, 08 Dec 2009 07:01:14 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[car payments]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[debt reduction attitude]]></category>
		<category><![CDATA[debt reduction obstacles]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5538</guid>
		<description><![CDATA[Many times I hear people say, &#8220;It&#8217;s great that you&#8217;re debt free, but I&#8217;ll never be able to do that. I&#8217;ll always have a some kind of debt,&#8221; and then they elaborate on why they can never be without a car payment, mortgage, credit card balance, etc. &#8220;It&#8217;s just the way things, are,&#8221; they&#8217;ll finally [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/12/08/105538_a-life-without-debt-ill-never-be-debt-free.html/feed</wfw:commentRss>
		<slash:comments>13</slash:comments>
		<feedburner:origLink>http://www.savingadvice.com/blog/2009/12/08/105538_a-life-without-debt-ill-never-be-debt-free.html</feedburner:origLink></item>
		<item>
		<title>Ten Purchases to Help With Frugality</title>
		<link>http://feedproxy.google.com/~r/PersonalFinanceAdvice/~3/2Lkei7ZJhv4/105533_ten-purchases-to-help-with-frugality.html</link>
		<comments>http://www.savingadvice.com/blog/2009/12/07/105533_ten-purchases-to-help-with-frugality.html#comments</comments>
		<pubDate>Mon, 07 Dec 2009 07:01:51 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Amy Dacyczyn]]></category>
		<category><![CDATA[clothesline]]></category>
		<category><![CDATA[coffee maker]]></category>
		<category><![CDATA[cookbooks]]></category>
		<category><![CDATA[coupon organizer]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[high speed Internet]]></category>
		<category><![CDATA[programmable thermostat]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[slow cooker]]></category>
		<category><![CDATA[Sunday paper]]></category>
		<category><![CDATA[Tightwad Gazette]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5533</guid>
		<description><![CDATA[When I discuss frugality and money saving strategies with those who are just starting down the frugal road, one of the things they always want to know is, &#8220;What can I buy that will help me become more frugal?&#8221; I always have to swallow a chuckle because buying things to become frugal is oxymoronic. You [...]]]></description>
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		<slash:comments>10</slash:comments>
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