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	<title>Penny Pinching Hints &#187; Financial Strategies</title>
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	<description>Just ONE Stop: Save Time and Money!</description>
	<lastBuildDate>Thu, 09 Feb 2012 15:43:30 +0000</lastBuildDate>
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		<title>Bucket List or Bucket Retirement Plan?</title>
		<link>http://www.pennypinchinghints.com/financial-savings/bucket-list-or-bucket-retirement-plan/9975/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/bucket-list-or-bucket-retirement-plan/9975/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 16:00:44 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[Planning for retirement]]></category>
		<category><![CDATA[retirement plan]]></category>

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<p>Most people plan their retirements to last for 30 years.  The traditional way to draw down on invested retirement monies has been to make your savings last for those &#8230;</p>Share and Enjoy
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Most people plan their retirements to last for 30 years.  The traditional way to draw down on invested retirement monies has been to make your savings last for those 30 years by drawing down on your investments and savings at 4% per annum.  Th - http://www.pennypinchinghints.com/financial-savings/bucket-list-or-bucket-retirement-plan/9975/" title="Email this" target="_blank">Email</a>
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		<title>How Not to Lose Money</title>
		<link>http://www.pennypinchinghints.com/financial-savings/how-not-to-lose-money/9859/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/how-not-to-lose-money/9859/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 14:42:59 +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[money tips]]></category>
		<category><![CDATA[save money]]></category>

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<p>Not everything that you see at the hardware store, big or small, or at other stores for that matter, are what you see.  Many stores have associated vendors as &#8230;</p>Share and Enjoy
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		<item>
		<title>How to Get By When You’re Unemployed</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/how-to-get-by-when-youre-unemployed/9785/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/how-to-get-by-when-youre-unemployed/9785/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 15:54:33 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[how to live on less]]></category>
		<category><![CDATA[job resume]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[monster.com]]></category>
		<category><![CDATA[unemployment]]></category>

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<p>It could happen to you.  You could lose your job. There is a lot of unemployment, and no one is immune.  What you need to know is unemployed people &#8230;</p>Share and Enjoy
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How?  Here are some ideas from Penny Pinching Hints to help you get by on less money al - http://www.pennypinchinghints.com/savings-for-daily-living/how-to-get-by-when-youre-unemployed/9785/" title="Email this" target="_blank">Email</a>
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		<title>Timely Money Saving Tips: The end of 2011, the beginning of 2012</title>
		<link>http://www.pennypinchinghints.com/financial-savings/timely-money-saving-tips-the-end-of-2011-the-beginning-of-2012/9656/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/timely-money-saving-tips-the-end-of-2011-the-beginning-of-2012/9656/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 18:58:13 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[end of the year saving tips]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>Much advice about saving money is common-sensical and fairly general, but every once in a while there are some tips that are good for the moment, at least for &#8230;</p>Share and Enjoy
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Penny Pinching Hints has a few ideas for making your money work for you  - http://www.pennypinchinghints.com/financial-savings/timely-money-saving-tips-the-end-of-2011-the-beginning-of-2012/9656/" title="Email this" target="_blank">Email</a>
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		<title>How to Save</title>
		<link>http://www.pennypinchinghints.com/financial-savings/how-to-save/9560/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/how-to-save/9560/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 14:04:44 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[high yiled savings accounts]]></category>
		<category><![CDATA[how to save]]></category>
		<category><![CDATA[ING Direct]]></category>
		<category><![CDATA[saving tips]]></category>

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<p>If you are earning money, you should be saving.  If you spend everything you earn, you will never be done working!</p>
<p>But saving is hard; you have to know &#8230;</p>Share and Enjoy
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But saving is hard; you have to know what you are doing to save.

Here are some things to consider as you begin to plan to save.
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		<title>Financial Planning After the Death of a Spouse</title>
		<link>http://www.pennypinchinghints.com/financial-savings/financial-planning-after-the-death-of-a-spouse/9073/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/financial-planning-after-the-death-of-a-spouse/9073/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 19:02:21 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[death of spouse]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>No one wants to talk about it, even think about it.  The death of a spouse is traumatic emotionally.  It is also a time when you should be protecting &#8230;</p>Share and Enjoy
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		<title>Fixing Your Monthly Car Payment Blues</title>
		<link>http://www.pennypinchinghints.com/financial-savings/fixing-your-monthly-car-payment-blues/8761/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/fixing-your-monthly-car-payment-blues/8761/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 14:00:26 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[car refinancing]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[free credit scores]]></category>
		<category><![CDATA[loan refinancing]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>When buying a new car most people finance through the car dealer.  Why not?  Many dealers offer great APRs, even 0%.  But if you don’t have the best credit &#8230;</p>Share and Enjoy
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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>
		<comments>http://www.pennypinchinghints.com/financial-savings/3-ways-to-lower-the-interest-rate-on-your-debt/8203/#comments</comments>
		<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>How to Complain!</title>
		<link>http://www.pennypinchinghints.com/financial-savings/how-to-complain/7566/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/how-to-complain/7566/#comments</comments>
		<pubDate>Mon, 05 Sep 2011 13:30:44 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>When you spend your money, you should receive services in kind.  If you are disappointed, you deserve some compensation.  Penny Pinching Hints has some tips for complaining effectively so &#8230;</p>Share and Enjoy
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	So your hotel room smells smoky.  - http://www.pennypinchinghints.com/financial-savings/how-to-complain/7566/" title="Email this" target="_blank">Email</a>
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		<title>In Debt?  Can You Do Anything About It?</title>
		<link>http://www.pennypinchinghints.com/financial-savings/in-debt-can-you-do-anything-about-it/7781/</link>
		<comments>http://www.pennypinchinghints.com/financial-savings/in-debt-can-you-do-anything-about-it/7781/#comments</comments>
		<pubDate>Wed, 31 Aug 2011 13:24:04 +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[debt management]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[tips for getting out of debt]]></category>

		<guid isPermaLink="false">http://pennypinchinghints.com/?p=7781</guid>
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<p>Yes!!  That’s the simple answer.  It is never too late to extract yourself from debt, and paying down your debt has a great pay off for you.</p>
<p>The problem &#8230;</p>Share and Enjoy
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The problem is in the word “pay.”  Yes, the paying part hurts, but it must be done.  Penny Pinching  - http://www.pennypinchinghints.com/financial-savings/in-debt-can-you-do-anything-about-it/7781/" title="Email this" target="_blank">Email</a>
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