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	<title>Pinch Your Pennies &#187; Tips</title>
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	<link>http://www.pinchyourpennies.net</link>
	<description>Ways to Save Money</description>
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		<title>RAK &#8211; Random Acts of Kindness Week</title>
		<link>http://www.pinchyourpennies.net/rak-random-acts-of-kindness-week.html</link>
		<comments>http://www.pinchyourpennies.net/rak-random-acts-of-kindness-week.html#comments</comments>
		<pubDate>Tue, 16 Feb 2010 02:50:02 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Pay it forward]]></category>
		<category><![CDATA[Random act of kindness]]></category>
		<category><![CDATA[Random Acts of Kindness Week]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=158</guid>
		<description><![CDATA[A couple of my friends have told me about this great week, so I wanted to pass it along to you.  I also wanted to share with you some ideas on how you can do enjoy your RAK week&#8230;So what is Random Acts of Kindness Week?   This week is all about doing special, random acts [...]]]></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>
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		<slash:comments>0</slash:comments>
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		<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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stay Healthy and Save Money</title>
		<link>http://www.pinchyourpennies.net/stay-healthy-and-save-money.html</link>
		<comments>http://www.pinchyourpennies.net/stay-healthy-and-save-money.html#comments</comments>
		<pubDate>Sun, 31 Jan 2010 20:44:43 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Dietary fiber]]></category>
		<category><![CDATA[feel better]]></category>
		<category><![CDATA[Heart disease]]></category>
		<category><![CDATA[quit smoking]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=140</guid>
		<description><![CDATA[One of the best ways to save money is to become Healthy.  How does this save money?  If you are healthy, you don&#8217;t have the medicines, the doctor appointments, the missed time from work, the higher insurance rates, etc.  So why not get healthy?
So here is a list of things you can do to get/stay [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>
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		<item>
		<title>Reducing Your Credit Card Use</title>
		<link>http://www.pinchyourpennies.net/reducing-your-credit-card-use.html</link>
		<comments>http://www.pinchyourpennies.net/reducing-your-credit-card-use.html#comments</comments>
		<pubDate>Wed, 20 Jan 2010 23:31:35 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt consolidation]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=126</guid>
		<description><![CDATA[Knowing how to reduce your interest amount is important to reducing your credit card debt, but reducing the use of your credit card is another important step.  So how do you stop the temptation?Did you know that you can ask your credit card company to reduce your credit limit?  This will keep you from spending [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/reducing-your-credit-card-use.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying Off Credit Card Debt</title>
		<link>http://www.pinchyourpennies.net/paying-off-credit-card-debt.html</link>
		<comments>http://www.pinchyourpennies.net/paying-off-credit-card-debt.html#comments</comments>
		<pubDate>Sun, 17 Jan 2010 22:43:10 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Interest rate]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=123</guid>
		<description><![CDATA[Is your credit card causing your debt problems?  They&#8217;re simple to use and easy to get, but hard to pay off at times.  If you have to have a credit card, here are some tips to help keep your spending under control&#8230;First, you want to check your statement and see what you are paying in [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/paying-off-credit-card-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>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>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>Circuit Breakers &#8211; Learn about them</title>
		<link>http://www.pinchyourpennies.net/circuit-breakers.html</link>
		<comments>http://www.pinchyourpennies.net/circuit-breakers.html#comments</comments>
		<pubDate>Wed, 07 Oct 2009 20:14:25 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[breaker box]]></category>
		<category><![CDATA[circuit breaker]]></category>
		<category><![CDATA[electricity]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=60</guid>
		<description><![CDATA[Checking your circuit breakers can save you a lot of money down the road.  It&#8217;s easier than you might think, so don&#8217;t pay an electrician a lot of money to do this&#8230;instead, follow these simple tips..
So what are circuit breakers?  They are the switch that cuts all electricity in your home.  Each breaker goes to [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/circuit-breakers.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>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>Dryer Sheets &#8211; and their other uses</title>
		<link>http://www.pinchyourpennies.net/dryer-sheets.html</link>
		<comments>http://www.pinchyourpennies.net/dryer-sheets.html#comments</comments>
		<pubDate>Tue, 01 Sep 2009 15:32:31 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Reuse it]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=34</guid>
		<description><![CDATA[Most of us have dryer sheets around our laundry room.  You hate to throw them out, but you&#8217;re not really sure what to do with them after you&#8217;ve used them in the dryer.  Well, guess what, I have a some suggestions and tips that will use up all those old dryer sheets and even a [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/dryer-sheets.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Coffee Grounds &#8211; and how to reuse them</title>
		<link>http://www.pinchyourpennies.net/coffee-grounds.html</link>
		<comments>http://www.pinchyourpennies.net/coffee-grounds.html#comments</comments>
		<pubDate>Sat, 29 Aug 2009 15:31:07 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Reuse it]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[coffee grounds]]></category>
		<category><![CDATA[flea dip]]></category>
		<category><![CDATA[furniture repair]]></category>
		<category><![CDATA[gardening]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=32</guid>
		<description><![CDATA[I am trying very hard to reuse, reduce, and recycle, so I look at things that I use in a different way.  Now you might ask, &#8220;What does this have to do with Pinch Your Pennies?&#8221;  It has a lot to do with it, these ideas will save you money and isn&#8217;t that what this [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/coffee-grounds.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CVS &#8211; Earning Extra Bucks</title>
		<link>http://www.pinchyourpennies.net/cvs-earning-extra-bucks.html</link>
		<comments>http://www.pinchyourpennies.net/cvs-earning-extra-bucks.html#comments</comments>
		<pubDate>Sat, 08 Aug 2009 00:41:02 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[coupons]]></category>
		<category><![CDATA[extra bucks]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=20</guid>
		<description><![CDATA[Did you know you can earn extra bucks just for shopping at CVS?  Extra bucks are &#8216;coupons&#8217; at the end of your receipt.  Only these coupons aren&#8217;t for certain products.  No these coupons spend just like money on whatever you want to buy at CVS&#8230;First thing you want to do is sign up for a [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/cvs-earning-extra-bucks.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Household Expenses &#8211; Tips to Save Money</title>
		<link>http://www.pinchyourpennies.net/household-expenses.html</link>
		<comments>http://www.pinchyourpennies.net/household-expenses.html#comments</comments>
		<pubDate>Tue, 28 Jul 2009 23:16:56 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[baking soda]]></category>
		<category><![CDATA[checking labels]]></category>
		<category><![CDATA[DIY]]></category>
		<category><![CDATA[harsh chemicals]]></category>
		<category><![CDATA[household expenses]]></category>
		<category><![CDATA[lemon juice]]></category>
		<category><![CDATA[recycle]]></category>
		<category><![CDATA[reuse]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[vinegar]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=7</guid>
		<description><![CDATA[Saving money on household expenses can be easy, if you know where to look for the savings and you follow these very simple tips&#8230;First, stop trying to keep up with the family next door&#8230;You don&#8217;t pay their bills, so what makes you think they are going to pay yours.  If they are going into debt, [...]]]></description>
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