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	<title>Pinch Your Pennies &#187; Household savings</title>
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	<link>http://www.pinchyourpennies.net</link>
	<description>Ways to Save Money</description>
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		<title>Clean Your Dishwasher</title>
		<link>http://www.pinchyourpennies.net/clean-your-dishwasher.html</link>
		<comments>http://www.pinchyourpennies.net/clean-your-dishwasher.html#comments</comments>
		<pubDate>Thu, 10 Jun 2010 00:06:17 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[baking soda]]></category>
		<category><![CDATA[Cleanliness]]></category>
		<category><![CDATA[dishwasher]]></category>
		<category><![CDATA[easy cleaning tips]]></category>
		<category><![CDATA[natural cleaning tips]]></category>
		<category><![CDATA[vinegar]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=173</guid>
		<description><![CDATA[If you are lucky enough to have a dishwasher, then you know what a time saving appliance this is&#8230;but to keep it up and running and cleaning at its best, you need to do a few things&#8230;but it doesn&#8217;t have to cost you a lot of money to do these things&#8230;There are times when your [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Money Saving Cleaning Tips</title>
		<link>http://www.pinchyourpennies.net/money-saving-cleaning-tips.html</link>
		<comments>http://www.pinchyourpennies.net/money-saving-cleaning-tips.html#comments</comments>
		<pubDate>Fri, 04 Jun 2010 22:44:03 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[money saving cleaning tips]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[Rubbing alcohol]]></category>
		<category><![CDATA[Spray bottle]]></category>
		<category><![CDATA[Stainless steel]]></category>
		<category><![CDATA[vinegar]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=168</guid>
		<description><![CDATA[If you are like me, you hate to clean house, but we have to do it&#8230;But we don&#8217;t have to do it the hard way&#8230;So you have to wash your kitchen floor&#8230;try this&#8230;add a couple drops of white vinegar to your bucket of water.  It will cut grease.  And if your flooring is linoleum or [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/saving-money-heating-your-water.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Save Money on Insurance</title>
		<link>http://www.pinchyourpennies.net/save-money-on-insurance.html</link>
		<comments>http://www.pinchyourpennies.net/save-money-on-insurance.html#comments</comments>
		<pubDate>Tue, 09 Feb 2010 00:46:43 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Auto Tips]]></category>
		<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Deductible]]></category>
		<category><![CDATA[Home insurance]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Vehicle insurance]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=147</guid>
		<description><![CDATA[Let&#8217;s face it, we have to have insurance.  Auto, home, health, life, etc.  But it doesn&#8217;t have to cost a lot of money to have these insurances, if you know what to do&#8230;Deductibles are one of the biggest ways to save on insurance.  If you raise your deductibles, this will keep the cost of your [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/save-money-on-insurance.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card vs Debit Cards</title>
		<link>http://www.pinchyourpennies.net/credit-card-vs-debit-cards.html</link>
		<comments>http://www.pinchyourpennies.net/credit-card-vs-debit-cards.html#comments</comments>
		<pubDate>Sun, 24 Jan 2010 17:11:07 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Bank account]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Services]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=130</guid>
		<description><![CDATA[I&#8217;ve tried to tell you some easy ways to quit using your credit card and/or paying off your credit card debt, but now I want to compare the differences between a credit card and a debit card, and which is a better choice&#8230;What I like about both:

Convenient
Can be used for any types of purchases
Give you [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/credit-card-vs-debit-cards.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying Down Your Debt</title>
		<link>http://www.pinchyourpennies.net/paying-down-your-debt.html</link>
		<comments>http://www.pinchyourpennies.net/paying-down-your-debt.html#comments</comments>
		<pubDate>Fri, 15 Jan 2010 00:29:15 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[life insurance policies]]></category>
		<category><![CDATA[paying down debt]]></category>
		<category><![CDATA[Savings account]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=119</guid>
		<description><![CDATA[Now that you can see what your debt is vs your income coming in (A Budget by Any Other Name), so now it&#8217;s time to figure out how you are going to deal with that debt and get it paid down&#8230;Let&#8217;s talk consumer debt.  This is debt such as credit card debt, etc.  This type [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/paying-down-your-debt.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Budget by Any Other Name</title>
		<link>http://www.pinchyourpennies.net/a-budget-2.html</link>
		<comments>http://www.pinchyourpennies.net/a-budget-2.html#comments</comments>
		<pubDate>Mon, 11 Jan 2010 09:50:00 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Clothing Savings]]></category>
		<category><![CDATA[Food Savings]]></category>
		<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[creating a budget]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=112</guid>
		<description><![CDATA[A budget by any other name is still a budget&#8230;and you can&#8217;t have financial freedom without one.  Even if you&#8217;re a millionaire, if you don&#8217;t watch how you spend your money, there won&#8217;t be any to spend.The first step to creating a budget is to know what money you have coming in and going out.
So [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/a-budget-2.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Budget for the New Year</title>
		<link>http://www.pinchyourpennies.net/a-budget.html</link>
		<comments>http://www.pinchyourpennies.net/a-budget.html#comments</comments>
		<pubDate>Wed, 06 Jan 2010 06:35:33 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=107</guid>
		<description><![CDATA[The new year is here and I&#8217;m here to tell you that it is time to SAVE MONEY!!!  So don&#8217;t let that word &#8220;Budget&#8221; scare you.  You can do it!Saving money starts with two things&#8230;a long term goal and short-term goals.  You have to know what you want before you can get it.
Do you want [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/a-budget.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/inexpensive-christmas-card-ideas.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Financial Goals</title>
		<link>http://www.pinchyourpennies.net/financial-goals.html</link>
		<comments>http://www.pinchyourpennies.net/financial-goals.html#comments</comments>
		<pubDate>Tue, 10 Nov 2009 02:43:59 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[money planning]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=88</guid>
		<description><![CDATA[Do you have financial goals?  Have you written them down?  Do you have a plan on how to meet those financial goals?  I hope you have answered yes to all three of those questions&#8230;but if you didn&#8217;t&#8230;now is the time start&#8230;Do you have financial goals?  Setting financial goals is the first thing you need to [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/financial-goals.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Frugal Fever?</title>
		<link>http://www.pinchyourpennies.net/frugal-fever.html</link>
		<comments>http://www.pinchyourpennies.net/frugal-fever.html#comments</comments>
		<pubDate>Fri, 06 Nov 2009 02:07:57 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Reuse it]]></category>
		<category><![CDATA[bieng frugal]]></category>
		<category><![CDATA[frugal]]></category>
		<category><![CDATA[money saved]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=84</guid>
		<description><![CDATA[Everyone seems to be trying to save money these days.  And the more they save the more they seem to catch the Frugal Fever&#8230;This is what I call it when people go a little overboard with their savings&#8230;Now don&#8217;t get me wrong&#8230;if they are saving money that is great, BUT when people sit around and [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/frugal-fever.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving Money on a Home Office</title>
		<link>http://www.pinchyourpennies.net/saving-money-on-a-home-office.html</link>
		<comments>http://www.pinchyourpennies.net/saving-money-on-a-home-office.html#comments</comments>
		<pubDate>Wed, 28 Oct 2009 00:07:37 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[home office]]></category>
		<category><![CDATA[Office supplies]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=75</guid>
		<description><![CDATA[Get creative in your home office and make it a one of a kind home office.  One that is functional and one that shows off your personality…and do it with little cost…Check the second hand stores for used printers.  Nowadays, when people upgrade their computers, they upgrade everything from their printers to their copy machines.  [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/saving-money-on-a-home-office.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving money with Rite Aid</title>
		<link>http://www.pinchyourpennies.net/rite-aid.html</link>
		<comments>http://www.pinchyourpennies.net/rite-aid.html#comments</comments>
		<pubDate>Sat, 10 Oct 2009 21:22:10 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[frugal living]]></category>
		<category><![CDATA[Rite Aid]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[single check rebate]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=63</guid>
		<description><![CDATA[Did you know that Rite Aid will pay you to shop at their stores?  They give you Rite Aid check rebates each month on certain items.  Look in their flyer and wherever you see the Single Check Rebates logo, you will find products that will make you money&#8230;
How to get money for shopping at Rite [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/rite-aid.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hot Water Heaters</title>
		<link>http://www.pinchyourpennies.net/hot-water-heaters.html</link>
		<comments>http://www.pinchyourpennies.net/hot-water-heaters.html#comments</comments>
		<pubDate>Sat, 03 Oct 2009 21:21:45 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[draining hot water tanks]]></category>
		<category><![CDATA[hot water heaters]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=57</guid>
		<description><![CDATA[I know you might be asking, &#8220;How does hot water heaters save me money?&#8221;&#8230;well, if you do a little preventative maintenance on your hot water heater, then you will keep plumbers from charging you a lot of money later.Hot water heaters are quite a low maintenance item in your home.  If you take care of [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/hot-water-heaters.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Own a Home?  You can still save money&#8230;</title>
		<link>http://www.pinchyourpennies.net/own-a-home.html</link>
		<comments>http://www.pinchyourpennies.net/own-a-home.html#comments</comments>
		<pubDate>Thu, 24 Sep 2009 23:17:39 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[gutters]]></category>
		<category><![CDATA[home owners insurance]]></category>
		<category><![CDATA[own a home]]></category>
		<category><![CDATA[painting]]></category>
		<category><![CDATA[safety tips]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=55</guid>
		<description><![CDATA[You own a home and you are trying to save money, right?  Here are some simple tips to help you do just that&#8230;Make sure you keep the heating and cooling system in tip top shape.  You don&#8217;t always have to replace an older system (depending on how old it is), but you do need to [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/own-a-home.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Telephone &#8211; You Can Save Money</title>
		<link>http://www.pinchyourpennies.net/the-telephone.html</link>
		<comments>http://www.pinchyourpennies.net/the-telephone.html#comments</comments>
		<pubDate>Mon, 21 Sep 2009 22:37:32 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[long distance]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[telephone]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=53</guid>
		<description><![CDATA[I know most everyone has a cell phone, but there are still those of us who also have a regular phone, so here are some simple tips to help save money on The Telephone&#8230;First, stop renting your phone from the phone company!  And if you purchased your last phone at Walmart, etc, then make sure [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/the-telephone.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying a Home</title>
		<link>http://www.pinchyourpennies.net/buying-a-home.html</link>
		<comments>http://www.pinchyourpennies.net/buying-a-home.html#comments</comments>
		<pubDate>Thu, 17 Sep 2009 22:36:20 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Household savings]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[closing cost]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=49</guid>
		<description><![CDATA[Yes, there are even ways to save money when you are buying a home.  I want to share these tips with you, so you can be a home owner also.Ask questions.  Any family or friend that you have who has purchased a house before, you need to be asking them questions.  Find out what they [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/buying-a-home.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Utilities &#8211; Saving even more money</title>
		<link>http://www.pinchyourpennies.net/utilities-2.html</link>
		<comments>http://www.pinchyourpennies.net/utilities-2.html#comments</comments>
		<pubDate>Mon, 14 Sep 2009 18:53:59 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Appliances]]></category>
		<category><![CDATA[Household savings]]></category>
		<category><![CDATA[freezers]]></category>
		<category><![CDATA[hot water tanks]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[surge protectors]]></category>
		<category><![CDATA[utilities]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=47</guid>
		<description><![CDATA[Believe it or not, but there are even more ways to save money with your utilities&#8230;and here they are&#8230;
Deep freezers are great for storing extra meats and frozen items, but if you are under using it, it can cost you a lot of money.  If your freezer is almost empty, fill it up with milk [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Utilities &#8211; and Saving Money, part 1</title>
		<link>http://www.pinchyourpennies.net/utilities.html</link>
		<comments>http://www.pinchyourpennies.net/utilities.html#comments</comments>
		<pubDate>Fri, 11 Sep 2009 17:01:31 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Appliances]]></category>
		<category><![CDATA[Household savings]]></category>
		<category><![CDATA[crock pot]]></category>
		<category><![CDATA[dishwasher]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[utilities]]></category>
		<category><![CDATA[washing machine]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=44</guid>
		<description><![CDATA[Saving money on your utilities isn&#8217;t as hard as you might think.  There are some easy things you can do to save your money when it comes to your utilities and I want to share those tips with you&#8230;
Did you know your utility company actually has ways to help you save money?  Give them a [...]]]></description>
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