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	<title>Pinch Your Pennies &#187; Holidays</title>
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	<link>http://www.pinchyourpennies.net</link>
	<description>Ways to Save Money</description>
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		<title>Saving Money Heating Your Water</title>
		<link>http://www.pinchyourpennies.net/saving-money-heating-your-water.html</link>
		<comments>http://www.pinchyourpennies.net/saving-money-heating-your-water.html#comments</comments>
		<pubDate>Sat, 13 Feb 2010 01:40:52 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Appliances]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Energy]]></category>
		<category><![CDATA[Hardware store]]></category>
		<category><![CDATA[Water]]></category>
		<category><![CDATA[Water heating]]></category>
		<category><![CDATA[Water tank]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=152</guid>
		<description><![CDATA[Did you know that 30% of the energy you spend in your home is used to heat your water?  Try these tips and save money&#8230;
One-way valves (heat traps) are inexpensive and they can save you even more money throughout the year.  You can them at your local hardware store and they are easy to install.
Fix [...]]]></description>
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		<title>Credit Counseling Agencies</title>
		<link>http://www.pinchyourpennies.net/credit-counseling-agencies.html</link>
		<comments>http://www.pinchyourpennies.net/credit-counseling-agencies.html#comments</comments>
		<pubDate>Wed, 27 Jan 2010 19:05:36 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Appliances]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit counseling]]></category>
		<category><![CDATA[Financial Services]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=134</guid>
		<description><![CDATA[There are times when it doesn&#8217;t matter what you do, you just can&#8217;t seem to get out of debt, but there are places you can turn to.  Credit Counseling Agencies have been helping people for year.  You just need to know what to look for, so you get a good one&#8230;Most people aren&#8217;t aware that [...]]]></description>
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		<title>Holiday Stress</title>
		<link>http://www.pinchyourpennies.net/holiday-stress.html</link>
		<comments>http://www.pinchyourpennies.net/holiday-stress.html#comments</comments>
		<pubDate>Tue, 29 Dec 2009 00:04:12 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas list]]></category>
		<category><![CDATA[starting early]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=101</guid>
		<description><![CDATA[I know what you are asking&#8230;what does this have to do with saving money?  A lot.  When you are stressed out, you don&#8217;t think about what you are doing or what you are spending.  All those gifts, cooking, decorating, parties, work, family and all the money you end up spending. Yikes!  Find ways to beat [...]]]></description>
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		<title>Saving Money on Holiday Entertainment and Gifts</title>
		<link>http://www.pinchyourpennies.net/holiday-entertainment.html</link>
		<comments>http://www.pinchyourpennies.net/holiday-entertainment.html#comments</comments>
		<pubDate>Wed, 23 Dec 2009 23:54:55 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Gift]]></category>
		<category><![CDATA[Holiday entertaining]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[Secret Santa]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=99</guid>
		<description><![CDATA[So you have your budget Christmas cards, decorations and food all set, but how are you going to entertain everyone and how do you get presents for everyone!  There are so many different personalities in the mix, which means so many different opinions, but if you start with a little early footwork, you might find [...]]]></description>
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		<title>More Gift Saving Tips</title>
		<link>http://www.pinchyourpennies.net/gift-saving-tips.html</link>
		<comments>http://www.pinchyourpennies.net/gift-saving-tips.html#comments</comments>
		<pubDate>Sat, 19 Dec 2009 23:48:58 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas and holiday season]]></category>
		<category><![CDATA[Christmas Gift ideas]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=97</guid>
		<description><![CDATA[Gifts can come in a lot of different packages and forms.  You don’t always have to buy things to make it a memorable gift.  Building memories and teaching our youth to save money is a more valuable gift…
Here’s a list of very simple ideas that you can give as gifts for little to no cost.
Create [...]]]></description>
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		<title>Saving Money on Holiday Gifts</title>
		<link>http://www.pinchyourpennies.net/saving-money-on-holiday-gifts.html</link>
		<comments>http://www.pinchyourpennies.net/saving-money-on-holiday-gifts.html#comments</comments>
		<pubDate>Mon, 14 Dec 2009 23:41:57 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Amazon.com]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Gift]]></category>
		<category><![CDATA[Gift Wrap]]></category>
		<category><![CDATA[Gift wrapping]]></category>
		<category><![CDATA[Tissue paper]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=95</guid>
		<description><![CDATA[Gifts!  Not only do you have to buy them, but you have to wrap them and some you might have to put in the mail.  This can get expensive!  So here are some tips for saving on your gifts…
Wrapping them:
Do you have children in the house?  For smaller gifts, let them color Holiday coloring book [...]]]></description>
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		<title>Saving Money on Christmas Decorations and Food</title>
		<link>http://www.pinchyourpennies.net/christmas-decorations.html</link>
		<comments>http://www.pinchyourpennies.net/christmas-decorations.html#comments</comments>
		<pubDate>Wed, 09 Dec 2009 23:33:14 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Auto Tips]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas ornament]]></category>
		<category><![CDATA[Food]]></category>
		<category><![CDATA[holiday decorations]]></category>
		<category><![CDATA[Mother Nature]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=92</guid>
		<description><![CDATA[Some other big expenses are decorations and food.  We always want everything to look great and everyone to have plenty to eat, but we need to do this on a budget.  Going overboard doesn’t only cost a lot, but it can keep you from enjoying yourself, so here’s some tips to cut cost on these [...]]]></description>
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		<title>Inexpensive Christmas Card Ideas</title>
		<link>http://www.pinchyourpennies.net/inexpensive-christmas-card-ideas.html</link>
		<comments>http://www.pinchyourpennies.net/inexpensive-christmas-card-ideas.html#comments</comments>
		<pubDate>Fri, 04 Dec 2009 23:17:47 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Card stock]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[Christmas and holiday season]]></category>
		<category><![CDATA[Christmas Cards]]></category>
		<category><![CDATA[Gift]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=90</guid>
		<description><![CDATA[Holidays can become quite expensive if you don’t watch what you are doing.  Not only are there gifts that you need to get for your family and friends, but cards to send out, cookies to make, gifts for parties you go to, food for parties you have and the list goes on.  But you don’t [...]]]></description>
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