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   <title>Money Saving Ideas Blog</title>
   <link>http://www.money-saving-ideas.net/money-saving-ideas-blog.html</link>
   <description>The Money Saving Ideas Blog keeps you in the know and up to date with all the latest articles from MSI. It conveniently notifies you about new or  updated content at money-saving-ideas.net. The Money Saving Ideas Blog is about saving money, personal budgeting, getting out debt and stretching your dollars as far as possible without sacrificing your current lifestyle in the process.</description>
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   <category >money saving ideas</category>
   <pubDate>Mon, 19 Jul 2010 00:10:11 GMT</pubDate>
   <lastBuildDate>Mon, 19 Jul 2010 00:10:11 GMT</lastBuildDate>
   <copyright>money-saving-ideas.net</copyright>
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    <title>Univeristy student- I like the idea, but its not practical..?</title>
    <link>http://www.money-saving-ideas.net/univeristy-student-i-like-the-idea-but-its-not-practical.html</link>
    <description>Im a univeristy student and I really like this idea because it has a limit which your debit or credit cards may not... However, Im not really sure how</description>
    <pubDate>Mon, 19 Jul 2010 00:10:08 GMT</pubDate>
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    <title>Mike the financial moron</title>
    <link>http://www.money-saving-ideas.net/mike-the-financial-moron.html</link>
    <description>I am a 45 year old man who in the past few years has suffered a Divorce with a retro active child support payment, Cancer with a large medical prescription</description>
    <pubDate>Tue, 01 Jun 2010 15:10:28 GMT</pubDate>
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    <title>Susan&#39;s amazing budget</title>
    <link>http://www.money-saving-ideas.net/susans-amazing-budget.html</link>
    <description>At age 52, I bought my first home. I have never used a budget system before until I needed to find out if I could afford a house. I would like to continue</description>
    <pubDate>Sat, 29 May 2010 08:52:01 GMT</pubDate>
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    <title>Long Tall Sally</title>
    <link>http://www.money-saving-ideas.net/long-tall-sally.html</link>
    <description>I started My Husband and I on the money jar system about six months ago. It didn&#39;t go so good! My husband didn&#39;t Quite get the concept of living strickly</description>
    <pubDate>Thu, 13 May 2010 14:28:19 GMT</pubDate>
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    <title>Budgeting Tools that do all the work for you!</title>
    <link>http://www.money-saving-ideas.net/budgeting-tools.html</link>
    <description>Looking for easy-to-use budgeting tools to help you budget and manage your money more efficiently? Do you need a fast, inexpensive solution that does all the work for you - stress and hassle free?</description>
    <pubDate>Tue, 11 May 2010 06:07:42 GMT</pubDate>
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    <title>Your Electricity Bill: One simple rule that can save you hundreds each year!</title>
    <link>http://www.money-saving-ideas.net/electricity-bill.html</link>
    <description>Tired of paying too much on your electricity bill? Does it feel like your power company is taking you to the cleaners every month? There is &lt;strong</description>
    <pubDate>Sat, 01 May 2010 01:16:24 GMT</pubDate>
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    <title>Saving Money on Electricity: Be on the lookout for these energy-sucking vampires in your home!</title>
    <link>http://www.money-saving-ideas.net/saving-money-on-electricity.html</link>
    <description>Are you serious about saving money on electricity? Have you felt the bite of energy drain while you were sleeping? Have energy vampires taken up residence in your home?</description>
    <pubDate>Mon, 26 Apr 2010 23:27:26 GMT</pubDate>
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    <title>Free Grocery Coupons for big savings on your next grocery order</title>
    <link>http://www.money-saving-ideas.net/free-grocery-coupons.html</link>
    <description>Want to know where to find free grocery coupons to save big on your next grocery order? Here yopu&#39;ll find links to tons of FREE mail in and printable coupons.</description>
    <pubDate>Thu, 22 Apr 2010 23:47:43 GMT</pubDate>
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    <title>How to Save Money: Make it automatic and watch your savings skyrocket!</title>
    <link>http://www.money-saving-ideas.net/how-to-save-money.html</link>
    <description>Think you already know how to save money? Are you doing everything you can to maximize your savings? Are you paying yourself first or last?</description>
    <pubDate>Wed, 21 Apr 2010 00:27:45 GMT</pubDate>
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    <title>Frugal Living Tips for Living Well Within your Means</title>
    <link>http://www.money-saving-ideas.net/frugal-living-tips.html</link>
    <description>looking for frugal living tips to make ends meet? Want to know how to stretch your money and cut living expenses?</description>
    <pubDate>Tue, 20 Apr 2010 00:15:00 GMT</pubDate>
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    <title>12 Money Mistakes Intelligent People Make</title>
    <link>http://www.money-saving-ideas.net/money-mistakes.html</link>
    <description>Money mistakes affect us all, directly or indirectly, no one is immune. Even the smartest people can make the wrong decision about their finances from time to time. Here are 12 money mistakes that should be avoided.</description>
    <pubDate>Sun, 18 Apr 2010 11:08:33 GMT</pubDate>
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    <title>Debt Snowball: The Power of Compounding Payments</title>
    <link>http://www.money-saving-ideas.net/debt-snowball.html</link>
    <description>Surely you&#39;ve heard of the debt snowball but what does it really mean? Can it really help you get out of debt faster?</description>
    <pubDate>Thu, 15 Apr 2010 03:45:48 GMT</pubDate>
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    <title>Pay Off Credit Card Debt &amp;amp; Pay Less Interest</title>
    <link>http://www.money-saving-ideas.net/pay-off-credit-card-debt.html</link>
    <description>Struggling to pay off credit card debt? Do you know the real cost of paying just the minimum on your cards? Want to know the fastest and most efficient way to pay off your credit cards?</description>
    <pubDate>Wed, 14 Apr 2010 03:07:09 GMT</pubDate>
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    <title>Saving Money on Groceries - 3 simple rules to spend less at the grocery store</title>
    <link>http://www.money-saving-ideas.net/saving-money-on-groceries.html</link>
    <description>Want to start saving money on groceries? Ar you on a tight budget? Clipping coupons not your thing? Want to know how to come in under budget every time you go for groceries?</description>
    <pubDate>Sun, 11 Apr 2010 02:24:48 GMT</pubDate>
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    <title>The Importance of Saving Money: How saving today can ensure a better tomorrow</title>
    <link>http://www.money-saving-ideas.net/importance-of-saving-money.html</link>
    <description>What is the importance of saving money? What impact if any will saving today have on your future? Should you be worried if you have no savings plan in place?</description>
    <pubDate>Fri, 09 Apr 2010 04:46:15 GMT</pubDate>
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    <title>Money Saving Ideas - tips you can take straight to the bank</title>
    <link>http://www.money-saving-ideas.net/index.html</link>
    <description>Need money saving ideas and tips? Are you losing sleep over your personal finances? Clueless about money management? Want to know how to get out of debt? How about learning how to set up a budget that works?</description>
    <pubDate>Fri, 09 Apr 2010 01:11:21 GMT</pubDate>
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    <title>Online Budgeting</title>
    <link>http://www.money-saving-ideas.net/online-budgeting.html</link>
    <description>Looking for an online budgeting program to help manage your finances? Here are some of the best budgeting tools available online.</description>
    <pubDate>Sat, 03 Apr 2010 02:15:16 GMT</pubDate>
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    <title>Pay Yourself First - A Small Step in the Right Direction</title>
    <link>http://www.money-saving-ideas.net/pay-yourself-first.html</link>
    <description>You&#39;ve undoubtedly heard the phrase pay yourself first somewhere along the way in your travels. You might vaguely recall hearing this valuable nugget of financial wisdom from someone you know or maybe you read it somewhere in a book or online - but what does it really mean?</description>
    <pubDate>Thu, 01 Apr 2010 02:47:41 GMT</pubDate>
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    <title>One a month rule </title>
    <link>http://www.money-saving-ideas.net/one-a-month-rule.html</link>
    <description>I buy one big gift per month and spread the spending out over the whole year, that way it takes the stress out and people get more creative gifts. For</description>
    <pubDate>Mon, 22 Feb 2010 11:06:30 GMT</pubDate>
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    <title>Money Saving Ideas Newsletter</title>
    <link>http://www.money-saving-ideas.net/money-saving-ideas-newsletter.html</link>
    <description>Want to stay up to date on all the latest money saving ideas, budgeting tips and news from Money-Saving-Ideas.net? Just enter your name and email address below to subcribe to our free monthly money saving ideas newsletter.</description>
    <pubDate>Sat, 20 Feb 2010 00:43:54 GMT</pubDate>
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    <title>Personal Budget Software</title>
    <link>http://www.money-saving-ideas.net/personal-budget-software.html</link>
    <description>Need help finding quality personal budget software? How about a program that&#39;s both user friendly and makes budgeting fun? Oh, and you probably want it to be cheap too, right?</description>
    <pubDate>Sat, 13 Feb 2010 00:41:29 GMT</pubDate>
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    <title>Question about the money jar system</title>
    <link>http://www.money-saving-ideas.net/question-about-the-money-jar-system.html</link>
    <description>I love the show Till Debt Do Us Part and we are working on paying our debts down, however, when making a budget should we be including my husband&#39;s smoking</description>
    <pubDate>Sat, 06 Feb 2010 15:37:30 GMT</pubDate>
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    <title>Living On a Budget</title>
    <link>http://www.money-saving-ideas.net/living-on-a-budget.html</link>
    <description>Think living on a budget is only for people on fixed or low incomes and couldn&#39;t possibly apply to you? Are you worried that a budget will only reduce the standard of living you currently enjoy? Not worth the hassle?</description>
    <pubDate>Sun, 17 Jan 2010 01:58:14 GMT</pubDate>
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    <title>Cash Budget</title>
    <link>http://www.money-saving-ideas.net/cash-budget.html</link>
    <description>What is a cash budget, really? Does it involve getting rid of credit cards and living on nothing but cash? Is there anyone under 65 living this way? The answers may surprise you.</description>
    <pubDate>Fri, 15 Jan 2010 21:46:35 GMT</pubDate>
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    <title>www.myfinancex.com uses money jar methods!</title>
    <link>http://www.money-saving-ideas.net/wwwmyfinancexcom-uses-money-jar-methods.html</link>
    <description>hi.. i found out this website http://www.myfinancex.com actually uses the money jar methods (although a bit different from yours) to help us manage</description>
    <pubDate>Thu, 14 Jan 2010 11:03:20 GMT</pubDate>
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    <title>Giving it a shot</title>
    <link>http://www.money-saving-ideas.net/giving-it-a-shot.html</link>
    <description>I am gonna try this out coming into the new year and see how long it will last me. We aren&#39;t exactly in debt but money can be a issue at times and I</description>
    <pubDate>Thu, 31 Dec 2009 16:19:48 GMT</pubDate>
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    <title>Frugal Living</title>
    <link>http://www.money-saving-ideas.net/frugal-living.html</link>
    <description>Think frugal living is just for cheapskates and penny pinchers? Do you believe that living like a vagabond is the only way to be frugal? Living frugally isn&#39;t about cutting back on life&#39;s little luxuries just to save a dollar. It&#39;s about living within your means, moreover it&#39;s about living well within your means.</description>
    <pubDate>Sun, 27 Dec 2009 04:11:52 GMT</pubDate>
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    <title>Christmas Budget - Plan for a debt free Christmas</title>
    <link>http://www.money-saving-ideas.net/christmas-budget.html</link>
    <description>Want to be debt free this Christmas? Then I have two words for you -- Christmas Budget!</description>
    <pubDate>Sun, 27 Dec 2009 03:52:49 GMT</pubDate>
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    <title>From Red to Black: Our money jar success story </title>
    <link>http://www.money-saving-ideas.net/from-red-to-black-our-money-jar-success-story.html</link>
    <description>The money jars made so famous by Gail helped my wife and I get out of debt. Before getting on our cash budget and debt payment plan our situation</description>
    <pubDate>Wed, 23 Dec 2009 01:18:54 GMT</pubDate>
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    <title>Money Jar System - a different way of budgeting</title>
    <link>http://www.money-saving-ideas.net/money-jar.html</link>
    <description>Curious about the money jar system? Want to learn a completely different way of budgeting - one that will help you save money and get out of debt faster?</description>
    <pubDate>Mon, 21 Dec 2009 03:10:11 GMT</pubDate>
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    <title>Debt Management Tips</title>
    <link>http://www.money-saving-ideas.net/debt-management-tips.html</link>
    <description>Looking for debt management tips that&#39;ll help you get you out of debt faster? Want to minimize the amount of interest on your debts while your still paying them off? These simple, practical tips will help you do just that!</description>
    <pubDate>Tue, 01 Dec 2009 01:15:39 GMT</pubDate>
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    <title>Home Energy Saving Tips: No money ways to reduce your hydro bill</title>
    <link>http://www.money-saving-ideas.net/home-energy-saving-tips.html</link>
    <description>Looking for home energy saving tips to help reduce your hydro bill but won&#39;t cost you any money to do? Here are a few simple, environmentally-responsible energy saving tips you can do right now to start saving on hydro without spending any money.</description>
    <pubDate>Fri, 04 Sep 2009 00:09:18 GMT</pubDate>
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    <title>How to Create a Budget</title>
    <link>http://www.money-saving-ideas.net/create-a-budget.html</link>
    <description>Learn how to create a budget that not only works but one that you can actually live with! A good budget is one that allows you to easily manage your personal finances without cutting out any of the things you enjoy in life.</description>
    <pubDate>Thu, 25 Jun 2009 08:33:06 GMT</pubDate>
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    <title>The Exclusive Zero Debt Club</title>
    <link>http://www.money-saving-ideas.net/zero-debt.html</link>
    <description>Want to join the zero debt club? It&#39;s a club everyone wants to be a part of. It only has one acceptance criteria (no debts allowed) yet only a handful of people will ever enjoy the privileges of membership to this exclusive club.</description>
    <pubDate>Sun, 21 Jun 2009 01:24:29 GMT</pubDate>
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    <title>Pay Down Debts - The Debt Snowball methdod to get out of debt</title>
    <link>http://www.money-saving-ideas.net/pay-down-debts.html</link>
    <description>Want to pay down debts quickly and efficiently to completely eliminte debt from your life? Are you committed to becoming 100 debt free but need a plan to make it happen? Here it is! A simple, practical debt payment plan anyone can do to get out of debt FAST.</description>
    <pubDate>Thu, 18 Jun 2009 01:28:17 GMT</pubDate>
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    <title>Find your Latte Factor and finish rich!</title>
    <link>http://www.money-saving-ideas.net/latte-factor.html</link>
    <description>What is the Latte Factor? It&#39;s the little every day things you spend money on (such as a latte or double latte) and the idea that investing the same amount spent on these items could make you rich one day.</description>
    <pubDate>Sun, 14 Jun 2009 14:07:45 GMT</pubDate>
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    <title>Dave Ramsey Baby Steps - The path to financial fitness</title>
    <link>http://www.money-saving-ideas.net/dave-ramsey-baby-steps.html</link>
    <description>What are the Dave Ramsey Baby Steps? The baby steps is a simple, straight-forward game plan to help you gain control of your finances from the finance-guru, best-selling author &amp;amp; host of &amp;quot;The Dave Ramsey Show.</description>
    <pubDate>Sat, 13 Jun 2009 17:36:44 GMT</pubDate>
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    <title>Tax Free Savings Account - what is it and how can it benefit you?</title>
    <link>http://www.money-saving-ideas.net/tax-free-savings-account.html</link>
    <description>A tax free savings account (TFSA) is a registered savings vehicle which allows Canadians to save a pre-determined amount of money ($5,000 for 2009), tax free, annually, for life.</description>
    <pubDate>Mon, 08 Jun 2009 02:55:08 GMT</pubDate>
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    <title>Cheap summer vacations</title>
    <link>http://www.money-saving-ideas.net/cheap-summer-vacations.html</link>
    <description>Planning your family vacation? Need ideas for cheap summer vacations the whole family will enjoy?</description>
    <pubDate>Mon, 01 Jun 2009 01:11:35 GMT</pubDate>
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    <title>10 Money Saving Tips that can save you up to $1000 a month</title>
    <link>http://www.money-saving-ideas.net/10-money-saving-tips.html</link>
    <description>Want to know 10 money saving tips that can save you hundreds or even thousands every month? Your daily work rituals could be costing you hundreds of dollars every month. Here&#39;s a few simple work related and general money saving tips you can do everyday to keep more of your hard-earned money in your pocket.</description>
    <pubDate>Thu, 14 May 2009 00:29:53 GMT</pubDate>
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    <title>Money Saving Tips</title>
    <link>http://www.money-saving-ideas.net/money-saving-tips.html</link>
    <description>looking for money saving tips to fatten up your wallet? Need alot of recession-proof ideas for making your money stretch farther? Here it is, my big list of 80 money saving tips!</description>
    <pubDate>Wed, 13 May 2009 00:34:02 GMT</pubDate>
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    <title>Money Saving Tips for Teens - tips you and your teen can live with</title>
    <link>http://www.money-saving-ideas.net/money-saving-tips-for-teens.html</link>
    <description>Looking for sensible, nearly-painless money saving tips for teens? Tips that you and your teen can live with? Here are some practical money saving tips to help your teenager save more of their money and still have a life at the same time.</description>
    <pubDate>Sat, 09 May 2009 12:33:29 GMT</pubDate>
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    <title>Saving Extra Money</title>
    <link>http://www.money-saving-ideas.net/saving-extra-money.html</link>
    <description>Are you looking for ways of saving extra money without working more? Think it&#39;s impossible to save more money than you&#39;re saving right now? If you answered yes to one or both of these questions read on for some tips on how and where to find extra money.</description>
    <pubDate>Sat, 09 May 2009 11:53:14 GMT</pubDate>
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    <title>Money Saving Techniques</title>
    <link>http://www.money-saving-ideas.net/money-saving-techniques.html</link>
    <description>Looking for  money saving techniques to pad your savings account? These 7 money saving techniques will get your savings account balance growing fast.</description>
    <pubDate>Sat, 09 May 2009 11:51:53 GMT</pubDate>
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    <title>About the Author</title>
    <link>http://www.money-saving-ideas.net/about.html</link>
    <description></description>
    <pubDate>Sat, 02 May 2009 17:05:11 GMT</pubDate>
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    <title>Recommend Reading</title>
    <link>http://www.money-saving-ideas.net/recommended-reading.html</link>
    <description>Here are some highly recommended books you might be interested in reading. I&#39;ve learned so much from each and every book listed here.</description>
    <pubDate>Sat, 02 May 2009 16:49:12 GMT</pubDate>
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    <title>Envelope Budget System</title>
    <link>http://www.money-saving-ideas.net/envelope-budget-system.html</link>
    <description>Never heard of  the  envelope budget system? Looking for a time-tested budgeting system that costs nothing to start? Think you might like to give the envelope budget system a whirl? Here&#39;s how to set up your own envelopes budget.</description>
    <pubDate>Sat, 02 May 2009 01:59:13 GMT</pubDate>
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    <title>Debt Free Living</title>
    <link>http://www.money-saving-ideas.net/debt-free-living.html</link>
    <description>Does debt free living seem like just an unrealistic pipe dream? Are you drowning in debt just barely able to keep up with your minimum payments? Living debt free is not out of your reach - all you need is a debt payment plan, here&#39;s one that worked for me and my family.</description>
    <pubDate>Fri, 01 May 2009 23:01:40 GMT</pubDate>
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    <title>Online Budgeting System</title>
    <link>http://www.money-saving-ideas.net/online-budgeting-system.html</link>
    <description>Tired of scouring the web for  an online budgeting system that makes personal budgeting and finances a breeze? Can&#39;t find anything that meets your needs? Look no further! I whole-heartedly recommend you give Mvelopes Personal a try.</description>
    <pubDate>Wed, 29 Apr 2009 23:49:16 GMT</pubDate>
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    <title>Saving Money on Heating</title>
    <link>http://www.money-saving-ideas.net/saving-money-on-heating.html</link>
    <description>Saving money on heating is more important this year than in years past due to the high price of home heating. You can dramatically reduce heating costs by following these 8 practical tips.</description>
    <pubDate>Sun, 26 Apr 2009 12:23:13 GMT</pubDate>
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