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<channel>
	<title>Pinch Your Pennies</title>
	<atom:link href="http://www.pinchyourpennies.net/feed" rel="self" type="application/rss+xml" />
	<link>http://www.pinchyourpennies.net</link>
	<description>Ways to Save Money</description>
	<lastBuildDate>Tue, 16 Feb 2010 02:54:22 +0000</lastBuildDate>
	
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			<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/rak-random-acts-of-kindness-week.html/feed</wfw:commentRss>
		<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>Save Money When Buying a Car</title>
		<link>http://www.pinchyourpennies.net/save-money-when-buying-a-car.html</link>
		<comments>http://www.pinchyourpennies.net/save-money-when-buying-a-car.html#comments</comments>
		<pubDate>Thu, 04 Feb 2010 22:55:40 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Auto Tips]]></category>
		<category><![CDATA[Automobile]]></category>
		<category><![CDATA[haggling tips]]></category>
		<category><![CDATA[paying cash]]></category>
		<category><![CDATA[Suggested retail price]]></category>
		<category><![CDATA[trade ins]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=143</guid>
		<description><![CDATA[Getting the best deals on a new car aren&#8217;t as hard as you might think.  With a few simple steps, you can get a great deal on your new car.The first and most important step is to do some research.
Most of the time a bigger dealership will give you a better deal, because they have [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/save-money-when-buying-a-car.html/feed</wfw:commentRss>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/stay-healthy-and-save-money.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>
		<wfw:commentRss>http://www.pinchyourpennies.net/credit-counseling-agencies.html/feed</wfw:commentRss>
		<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>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>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>Haven&#8217;t dropped off the face of the Earth&#8230;</title>
		<link>http://www.pinchyourpennies.net/havent-dropped-off-the-face-of-the-earth.html</link>
		<comments>http://www.pinchyourpennies.net/havent-dropped-off-the-face-of-the-earth.html#comments</comments>
		<pubDate>Wed, 06 Jan 2010 00:16:06 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=103</guid>
		<description><![CDATA[Okay, I know I haven&#8217;t posted in awhile, but I have been so busy with family and the holidays.  I hope everyone had a Happy Holiday and a Safe New Year&#8230;
I am working on a series about budgets and I will be posting them soon &#8211; Promise!
Hope 2010 is your year for Pinching Your Pennies. [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/havent-dropped-off-the-face-of-the-earth.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/holiday-stress.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/holiday-entertainment.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/gift-saving-tips.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/saving-money-on-holiday-gifts.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://www.pinchyourpennies.net/christmas-decorations.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>Go Green and Save Money</title>
		<link>http://www.pinchyourpennies.net/go-green-and-save-money.html</link>
		<comments>http://www.pinchyourpennies.net/go-green-and-save-money.html#comments</comments>
		<pubDate>Sun, 01 Nov 2009 22:05:31 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Appliances]]></category>
		<category><![CDATA[Reuse it]]></category>
		<category><![CDATA[CFL bulbs]]></category>
		<category><![CDATA[dual flush toilet]]></category>
		<category><![CDATA[electric vampires]]></category>
		<category><![CDATA[energy saving]]></category>
		<category><![CDATA[Energy Star]]></category>
		<category><![CDATA[go green]]></category>
		<category><![CDATA[low flow shower head]]></category>
		<category><![CDATA[Thermostat]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=81</guid>
		<description><![CDATA[A lot of people think that going green is expensive.  I won&#8217;t lie, it can be if you are making BIG changes&#8230;sun panels, wind tunnels, etc., but you can do a few thing around your house&#8230;that can help you go green and save money&#8230;Ready to see how easy it is?

Turning off appliances and other items [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/go-green-and-save-money.html/feed</wfw:commentRss>
		<slash:comments>1</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>Save Money While Cleaning Your Car</title>
		<link>http://www.pinchyourpennies.net/save-money-2.html</link>
		<comments>http://www.pinchyourpennies.net/save-money-2.html#comments</comments>
		<pubDate>Tue, 20 Oct 2009 23:26:12 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Auto Tips]]></category>
		<category><![CDATA[clean your car]]></category>
		<category><![CDATA[homemade cleaners]]></category>
		<category><![CDATA[vinegar]]></category>
		<category><![CDATA[Windshield washer fluid]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=72</guid>
		<description><![CDATA[The cost of an automobile doesn&#8217;t stop with the payments, you have maintenance and gas and we can&#8217;t forget cleaning&#8230;You might not be able to change the payment cost, but you can save some money on the cleaning&#8230;Using Baking soda to clean the tar and bugs off your car is a lot less expensive than [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/save-money-2.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving Money &#8211; Part 1</title>
		<link>http://www.pinchyourpennies.net/saving-money-2.html</link>
		<comments>http://www.pinchyourpennies.net/saving-money-2.html#comments</comments>
		<pubDate>Wed, 14 Oct 2009 20:51:17 +0000</pubDate>
		<dc:creator>Laci Henderson</dc:creator>
				<category><![CDATA[Clothing Savings]]></category>
		<category><![CDATA[laundry]]></category>
		<category><![CDATA[Washing]]></category>

		<guid isPermaLink="false">http://www.pinchyourpennies.net/?p=67</guid>
		<description><![CDATA[I know&#8230;it is easy for us all to say &#8220;Save money&#8230;this is how you do it.&#8221;&#8230;but we all go through tough times and as bad as we want to save money, we can&#8217;t always find the money to save.  So here&#8217;s a few ideas that will hopefully get you past those tough times and give [...]]]></description>
		<wfw:commentRss>http://www.pinchyourpennies.net/saving-money-2.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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