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	<title>Penny Pinching Hints &#187; Budgeting for Daily Needs</title>
	<atom:link href="http://www.pennypinchinghints.com/savings-for-daily-living/budgeting-for-daily-needs/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.pennypinchinghints.com</link>
	<description>Just ONE Stop: Save Time and Money!</description>
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		<title>Why Save Money?</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/why-save-money/8676/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/why-save-money/8676/#comments</comments>
		<pubDate>Wed, 26 Oct 2011 22:35:01 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[saving money]]></category>

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<p>Unless you understand why it can be a good idea to save money, you are unlikely to feel motivated to do so. Even if you can happily spend the &#8230;</p>Share and Enjoy
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		</item>
		<item>
		<title>Conservative Saving Hints</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/conservative-saving-hints/8518/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/conservative-saving-hints/8518/#comments</comments>
		<pubDate>Tue, 18 Oct 2011 14:00:12 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[saving hints]]></category>
		<category><![CDATA[saving tips]]></category>

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<p>Penny Pinching Hints loves to give you hints on ways to save your money.</p>
<p>This time our tips also help you conserve and save! </p>
<p>Check these out:</p>
<ul>
<p>
<li><strong>Save paper</strong></li></p>&#8230;</ul>Share and Enjoy
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This time our tips also help you conserve and save! 
Check these out:


	Save paper – Use newspapers and old calendars as gift wrap and save trees along with your money - http://www.pennypinchinghints.com/savings-for-daily-living/conservative-saving-hints/8518/" title="Email this" target="_blank">Email</a>
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		</item>
		<item>
		<title>How to Warehouse Shop Wisely</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/budgeting-for-daily-needs/how-to-warehouse-shop-wisely/8205/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/budgeting-for-daily-needs/how-to-warehouse-shop-wisely/8205/#comments</comments>
		<pubDate>Thu, 29 Sep 2011 14:17:49 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[shopping tips]]></category>

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<p>Warehouse shopping clubs are usually good deals.  They offer bulk buying; cheaper gas and medicine prices; and good food values, anywhere from 31% to 61% less than local supermarkets.&#8230;</p>Share and Enjoy
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But are they the best value for you?  You will have to pay an a - http://www.pennypinchinghints.com/savings-for-daily-living/budgeting-for-daily-needs/how-to-warehouse-shop-wisely/8205/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>Savvy Savings</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/savvy-savings/8119/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/savvy-savings/8119/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 12:55:50 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>You can use your head to save!    Being thoughtful, outsmarting the system, and thinking it through before acting can keep you from wasting your money.</p>
<p>PennyPinchingHints has some ideas &#8230;</p>Share and Enjoy
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You can use your head to save!    Being thoughtful, outsmarting the system, and thinking it through before acting can keep you from wasting your money.

PennyPinchingHints has some ideas you may not have thought about yet to get you into this Thi - http://www.pennypinchinghints.com/savings-for-daily-living/savvy-savings/8119/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>16 Little Known Saving Facts</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/16-little-known-saving-facts/8016/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/16-little-known-saving-facts/8016/#comments</comments>
		<pubDate>Tue, 13 Sep 2011 14:45:27 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[saving tips]]></category>

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<p>Knowledge is power.  Knowing where to find bargains and how to save is money in your fist! </p>
<p>If you want to save money, here are some little known facts &#8230;</p>Share and Enjoy
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Knowledge is power.  Knowing where to find bargains and how to save is money in your fist!  
If you want to save money, here are some little known facts that will give you a saving edge.


	You can get 10 minutes of free talk to landlines in 55 - http://www.pennypinchinghints.com/savings-for-daily-living/16-little-known-saving-facts/8016/" title="Email this" target="_blank">Email</a>
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		<item>
		<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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		</item>
		<item>
		<title>How to Save on Going-Back-to-School Clothing</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/how-to-save-on-going-back-to-school-clothing/7656/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/how-to-save-on-going-back-to-school-clothing/7656/#comments</comments>
		<pubDate>Wed, 24 Aug 2011 12:56:13 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Clothing and Accessories]]></category>
		<category><![CDATA[Save and Buy]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>

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<p>Going back to school is expensive in general, but when you add in the fact that your children want the new and trendy clothes, the bill goes sky high.  &#8230;</p>Share and Enjoy
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Going back to school is expensive in general, but when you add in the fact that your children want the new and trendy clothes, the bill goes sky high.  Did you know that in 2009 $7.2 BILLION was spent on boys’ and girls’ back-to-school clothing - http://www.pennypinchinghints.com/savings-for-daily-living/how-to-save-on-going-back-to-school-clothing/7656/" title="Email this" target="_blank">Email</a>
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		<title>New Ways to Save With Gift Cards</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/new-ways-to-save-with-gift-cards/7462/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/new-ways-to-save-with-gift-cards/7462/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 12:15:29 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[buy and sell gift cards]]></category>
		<category><![CDATA[discount gift cards]]></category>
		<category><![CDATA[gift cards]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>Gift cards are great ways to give gifts.  They can assure people get what they want without the guessing, making the money you spend more valuable.  But, sometimes people &#8230;</p>Share and Enjoy
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Gift cards are great ways to give gifts.  They can assure people get what they want without the guessing, making the money you spend more valuable.  But, sometimes people can get gift cards that they either don’t want or that are for a merchan - http://www.pennypinchinghints.com/savings-for-daily-living/new-ways-to-save-with-gift-cards/7462/" title="Email this" target="_blank">Email</a>
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		<title>5 Little Money Saving Tips</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/5-little-money-saving-tips/7447/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/5-little-money-saving-tips/7447/#comments</comments>
		<pubDate>Tue, 09 Aug 2011 13:03:25 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>

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<p>Here is a Dear Abby approach to some basic savings and money questions.</p>
<p><b><em>It’s been hot out there!  And, pools have been life savers.  But, they are expensive, too.  </em></b>&#8230;</p>Share and Enjoy
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It’s been hot out there!  And, pools have been life savers.  But, they are expensive, too.  How to save?  

Downsize your pump.  You only need a 3.5 horsepower pump.  Why  - http://www.pennypinchinghints.com/savings-for-daily-living/5-little-money-saving-tips/7447/" title="Email this" target="_blank">Email</a>
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		<title>What You Can Afford</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/budgeting-for-daily-needs/what-you-can-afford/6958/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/budgeting-for-daily-needs/what-you-can-afford/6958/#comments</comments>
		<pubDate>Tue, 19 Jul 2011 12:16:47 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[retirement planning]]></category>

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<p>People often do not have a good grasp about what they can or can not afford.  Often they think they can afford more than they actually can.  Others may &#8230;</p>Share and Enjoy
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People often do not have a good grasp about what they can or can not afford.  Often they think they can afford more than they actually can.  Others may feel they will never be able to retire.  There is a happy medium.  You can achieve a good sen - http://www.pennypinchinghints.com/savings-for-daily-living/budgeting-for-daily-needs/what-you-can-afford/6958/" title="Email this" target="_blank">Email</a>
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