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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>
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		<title>If You Have to Borrow, Borrow in the Right Places</title>
		<link>http://pennypinchinghints.com/financial-savings/if-you-have-to-borrow-borrow-in-the-right-places/2095/</link>
		<comments>http://pennypinchinghints.com/financial-savings/if-you-have-to-borrow-borrow-in-the-right-places/2095/#comments</comments>
		<pubDate>Sun, 04 Jul 2010 13:30:37 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[Money saving tips. loans]]></category>

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<p>You may think the places out there that will lend you money are helpful, even necessary.  Actually, they are making money off you, and making your gap between being&#8230;</p>]]></description>
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		<title>Should You Invest in Gold?</title>
		<link>http://pennypinchinghints.com/financial-savings/should-you-invest-in-gold/1875/</link>
		<comments>http://pennypinchinghints.com/financial-savings/should-you-invest-in-gold/1875/#comments</comments>
		<pubDate>Sat, 29 May 2010 11:44:54 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investing strategies]]></category>
		<category><![CDATA[money tips]]></category>

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		<description><![CDATA[<p>In a recent article for AARP Newsletter Michael Zielenziger wrote about the value of gold investment.  As he points out, when stocks’ value has been shaken, gold suddenly seems&#8230;</p>]]></description>
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		<title>Teach Your Children Well about Money</title>
		<link>http://pennypinchinghints.com/financial-savings/teach-your-children-well-about-money/1872/</link>
		<comments>http://pennypinchinghints.com/financial-savings/teach-your-children-well-about-money/1872/#comments</comments>
		<pubDate>Sat, 22 May 2010 12:21:07 +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[children and money]]></category>
		<category><![CDATA[money tips]]></category>
		<category><![CDATA[saving money]]></category>

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		<description><![CDATA[<p>It is amazing how little students actually learn about money in school.  Do they know how to spend, how to save, how to invest, even how to balance a&#8230;</p>]]></description>
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		<title>Haggling Saves</title>
		<link>http://pennypinchinghints.com/financial-savings/haggling-saves/1852/</link>
		<comments>http://pennypinchinghints.com/financial-savings/haggling-saves/1852/#comments</comments>
		<pubDate>Tue, 11 May 2010 12:04:05 +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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		<description><![CDATA[<p>Most of us just go along, but the squeaky wheel gets the oil&#8211;so, too, do those who ask; they get better deals, that is.  It does matter if you&#8230;</p>]]></description>
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		<title>Newly Married: That Means Tax Changes</title>
		<link>http://pennypinchinghints.com/financial-savings/newly-married-that-means-tax-changes/1748/</link>
		<comments>http://pennypinchinghints.com/financial-savings/newly-married-that-means-tax-changes/1748/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 12:00:53 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[tax tips]]></category>

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<p>You are now married and you are different, in the eyes of the IRS.  Even if you were married on December 31 of 2009, the IRS sees you as&#8230;</p>]]></description>
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		<title>Save Money on Tax Preparation</title>
		<link>http://pennypinchinghints.com/financial-savings/save-money-on-tax-preparation/1744/</link>
		<comments>http://pennypinchinghints.com/financial-savings/save-money-on-tax-preparation/1744/#comments</comments>
		<pubDate>Sat, 03 Apr 2010 12:00:38 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[money saving tips on tax preparation]]></category>
		<category><![CDATA[save money on tax prep]]></category>

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<p>It’s a necessary thing—preparing your taxes, but you don’t have to spend a lot of money doing it.  Here are some money-saving tips to consider when thinking about getting&#8230;</p>]]></description>
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		<title>Next Month is Tax Time</title>
		<link>http://pennypinchinghints.com/financial-savings/next-month-is-tax-time/1649/</link>
		<comments>http://pennypinchinghints.com/financial-savings/next-month-is-tax-time/1649/#comments</comments>
		<pubDate>Sat, 27 Mar 2010 12:00:44 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[2010 tax changes]]></category>
		<category><![CDATA[tax deductions]]></category>
		<category><![CDATA[tax savings]]></category>

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		<description><![CDATA[<p>It’s next month!  Tax Time!  Time to think about preparing your taxes.  There are many changes this year.  Getting an early start on tax preparation will allow you to&#8230;</p>]]></description>
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		<title>Saving Sense</title>
		<link>http://pennypinchinghints.com/financial-savings/saving-sense/1638/</link>
		<comments>http://pennypinchinghints.com/financial-savings/saving-sense/1638/#comments</comments>
		<pubDate>Sat, 13 Mar 2010 12:00:38 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[saving tips]]></category>

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		<description><![CDATA[<p>No matter what age you are, you must begin to save now, and do it regularly.  There is no excuse.  You may think you can’t afford it, but, the&#8230;</p>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Save Money: Make Sure You Have a Good Credit Score</title>
		<link>http://pennypinchinghints.com/financial-savings/save-money-make-sure-you-have-a-good-credit-score/1556/</link>
		<comments>http://pennypinchinghints.com/financial-savings/save-money-make-sure-you-have-a-good-credit-score/1556/#comments</comments>
		<pubDate>Sat, 27 Feb 2010 11:00:42 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[credit score saves money]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>A better credit score, the higher the better, can save you thousands of dollars.  Interest rates are based on your credit score, and interest accumulates over the life of&#8230;</p>]]></description>
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		<title>Beware Retirement Savings Through Credit Cards</title>
		<link>http://pennypinchinghints.com/financial-savings/beware-retirement-savings-through-credit-cards/1547/</link>
		<comments>http://pennypinchinghints.com/financial-savings/beware-retirement-savings-through-credit-cards/1547/#comments</comments>
		<pubDate>Sat, 06 Feb 2010 12:00:33 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Financial Strategies]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[credit card rewards]]></category>
		<category><![CDATA[credit card warnings]]></category>
		<category><![CDATA[retirement savings]]></category>

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<p>The Baby Boomers are reaching that age, and credit card companies see a way to entice them.  Some credit cards are offering rewards programs are automatically placed in a&#8230;</p>]]></description>
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