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	<title>Penny Pinching Hints &#187; Financial Savings</title>
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	<link>http://www.pennypinchinghints.com</link>
	<description>Just ONE Stop: Save Time and Money!</description>
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		<title>Make Money Getting Rid of Stuff</title>
		<link>http://www.pennypinchinghints.com/financial-savings/make-money-getting-rid-of-stuff/6059/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/make-money-getting-rid-of-stuff/6059/#comments</comments>
		<pubDate>Thu, 19 May 2011 12:00:03 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[money-making ideas]]></category>

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<p>Stuff—yuck!  Getting rid of stuff—refreshing!  Downsizing is the new trend.  It is not only a freeing feeling to throw out stuff, but you can also make money doing it.&#8230;</p>Share and Enjoy
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But how can you do it easily and not end up paying to trash it?

	 First, - http://www.pennypinchinghints.com/financial-savings/make-money-getting-rid-of-stuff/6059/" title="Email this" target="_blank">Email</a>
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		<title>Money Saving Tax Tips</title>
		<link>http://www.pennypinchinghints.com/financial-savings/money-saving-tax-tips/328/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/money-saving-tax-tips/328/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 14:10:25 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[tax tips]]></category>
		<category><![CDATA[tips to save on income taxes]]></category>

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<p><strong>Take advantage of deductibles.</strong></p>
<ul>
<p>
<li>Student loan interest is deductible if you don’t itemize.
</li>
</p>
<p>
<li>Donate old clothes and furniture.  You can deduct the wholesale fair market value.  Consider donating a </li></p>&#8230;</ul>Share and Enjoy
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	Student loan interest is deductible if you don’t itemize.


	Donate old clothes and furniture.  You can deduct the wholesale fair market value.  Consider donating a large item at the end of the year such as a - http://www.pennypinchinghints.com/financial-savings/money-saving-tax-tips/328/" title="Email this" target="_blank">Email</a>
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		</item>
		<item>
		<title>Mortgages:  To Reverse or Not to Reverse?</title>
		<link>http://www.pennypinchinghints.com/financial-savings/mortgages-to-reverse-or-not-to-reverse/3097/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/mortgages-to-reverse-or-not-to-reverse/3097/#comments</comments>
		<pubDate>Thu, 02 Dec 2010 12:55:31 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[reverse mortgages]]></category>

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<p>If you are 62 and you have paid off your house or have at least 40% equity in your home, you can turn an illiquid asset into cash to &#8230;</p>Share and Enjoy
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If you are 62 and you have paid off your house or have at least 40% equity in your home, you can turn an illiquid asset into cash to supplement a retirement income.  You will be able to then take out money based on that equity (up to $625,500) in a - http://www.pennypinchinghints.com/financial-savings/mortgages-to-reverse-or-not-to-reverse/3097/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>Tips for How To Be Money Smart With Social Security</title>
		<link>http://www.pennypinchinghints.com/financial-savings/4201/4201/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/4201/4201/#comments</comments>
		<pubDate>Tue, 08 Feb 2011 12:37:42 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[social security]]></category>

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<p>Knowledge is power.  Many people do not understand all the ins and outs of Social Security so when it comes to making decisions about how and when to collect, &#8230;</p>Share and Enjoy
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Knowledge is power.  Many people do not understand all the ins and outs of Social Security so when it comes to making decisions about how and when to collect, they choose in the dark.  PennyPinchingHints wants you to know enough about Socia - http://www.pennypinchinghints.com/financial-savings/4201/4201/" title="Email this" target="_blank">Email</a>
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		<title>3 Ways to Lower the Interest Rate on Your Debt</title>
		<link>http://www.pennypinchinghints.com/financial-savings/3-ways-to-lower-the-interest-rate-on-your-debt/8203/</link>
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		<pubDate>Tue, 27 Sep 2011 19:23:10 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[money tips]]></category>
		<category><![CDATA[reducing debt]]></category>

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<p>When you are trying to get out of debt, every penny that you put towards your debt gets you one step closer to your goal. Unfortunately, with some types &#8230;</p>Share and Enjoy
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		<title>4 Financial Strategies to Help You Get Out of Debt</title>
		<link>http://www.pennypinchinghints.com/financial-savings/financial-strategies/4-financial-strategies-to-help-you-get-out-of-debt/5430/</link>
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		<pubDate>Sat, 16 Apr 2011 13:30:42 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[financial strategies to cut debt]]></category>

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<p>When you are faced with a debt situation in which you are having much difficulty dealing with your debts, then you must try to get out of debt by &#8230;</p>Share and Enjoy
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		<title>A New Year, A New Resolution to Save</title>
		<link>http://www.pennypinchinghints.com/financial-savings/a-new-year-a-new-resolution-to-save/3712/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/a-new-year-a-new-resolution-to-save/3712/#comments</comments>
		<pubDate>Thu, 30 Dec 2010 12:12:09 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[savings tips]]></category>

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<p>Some of you have probably read the story in an email or on the internet about a father who for years puts his pocket change into a glass jar &#8230;</p>Share and Enjoy
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		<title>An Investment Gift</title>
		<link>http://www.pennypinchinghints.com/financial-savings/an-investment-gift/3709/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/an-investment-gift/3709/#comments</comments>
		<pubDate>Mon, 20 Dec 2010 12:53:56 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Celebrations]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[holiday gifts]]></category>
		<category><![CDATA[saving]]></category>

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<p>It might be the best gift a young person could get this holiday&#8211;an investment.  It teaches how to invest, the value of money, and how to acquire money.  Knowledge &#8230;</p>Share and Enjoy
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It might be the best gift a young person could get this holiday--an investment.  It teaches how to invest, the value of money, and how to acquire money.  Knowledge is a great gift, and if it’s financial knowledge, even better.  But, how do you  - http://www.pennypinchinghints.com/financial-savings/an-investment-gift/3709/" title="Email this" target="_blank">Email</a>
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		<title>Avoid Debt Scams after the Funeral</title>
		<link>http://www.pennypinchinghints.com/financial-savings/avoid-debt-scams-after-the-funeral/2961/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/avoid-debt-scams-after-the-funeral/2961/#comments</comments>
		<pubDate>Mon, 08 Nov 2010 12:30:52 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[probate]]></category>

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<p>When loved ones die, the survivors are vulnerable.  It is not the best time for survivors to make decisions.  Not only are they in shock, but they are also &#8230;</p>Share and Enjoy
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When loved ones die, the survivors are vulnerable.  It is not the best time for survivors to make decisions.  Not only are they in shock, but they are also hit with a lot of detail and paperwork. 

 

Scam artists like to take advantage of - http://www.pennypinchinghints.com/financial-savings/avoid-debt-scams-after-the-funeral/2961/" title="Email this" target="_blank">Email</a>
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		<title>Be Careful with Gift Cards</title>
		<link>http://www.pennypinchinghints.com/financial-savings/be-careful-with-gift-cards/3497/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/be-careful-with-gift-cards/3497/#comments</comments>
		<pubDate>Sat, 04 Dec 2010 12:13:33 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[credit card law]]></category>
		<category><![CDATA[gift cards]]></category>
		<category><![CDATA[holiday gift cards]]></category>

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<p>Gifts cards can be the way to go.  They are convenient, allow the receiver to buy what he or she wants, and eliminate the need for exchanges.  But, if &#8230;</p>Share and Enjoy
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