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	<title>Strict Budget: Most Practical Money Saving Tips</title>
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	<link>http://www.strictbudget.com</link>
	<description>Nowadays with outrageous gas prices and tax rates, a penny saved is worth several pennies earned</description>
	<pubDate>Fri, 25 Jul 2008 22:43:14 +0000</pubDate>
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		<title>Utilities Saving Should Be On The Spotlight</title>
		<link>http://www.strictbudget.com/2008/07/23/utilities-saving-should-be-on-the-spotlight/</link>
		<comments>http://www.strictbudget.com/2008/07/23/utilities-saving-should-be-on-the-spotlight/#comments</comments>
		<pubDate>Wed, 23 Jul 2008 21:38:37 +0000</pubDate>
		<dc:creator>mori_gda</dc:creator>
		
		<category><![CDATA[Efficient Living]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=15</guid>
		<description><![CDATA[About ten years ago, my physics professor made a joke about how his grandfather had tried to save money by going around the house and turning off any light bulbs that were not necessary. He laughed and added, &#8220;nowadays I would just hand him (his grandpa) a few pennies and keep the light on!&#8221; It [...]]]></description>
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		<title>Never Assume You&#8217;re Getting The Best Deals</title>
		<link>http://www.strictbudget.com/2008/07/15/never-assume-youre-getting-the-best-deals/</link>
		<comments>http://www.strictbudget.com/2008/07/15/never-assume-youre-getting-the-best-deals/#comments</comments>
		<pubDate>Tue, 15 Jul 2008 22:02:54 +0000</pubDate>
		<dc:creator>mori_gda</dc:creator>
		
		<category><![CDATA[Cheaper Alternatives]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=14</guid>
		<description><![CDATA[When my daughter was born 3 years ago, I happily added her to my medical insurance plan sponsored by my employer. Like most other employers, my company only pays for the individual employee&#8217;s premium, not their family&#8217;s coverage. Then after while, I realized that each of my semi-monthly paycheck was deducted out about $220 to [...]]]></description>
		<wfw:commentRss>http://www.strictbudget.com/2008/07/15/never-assume-youre-getting-the-best-deals/feed/</wfw:commentRss>
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		<title>Saving Is Adapting</title>
		<link>http://www.strictbudget.com/2008/06/08/saving-is-adapting/</link>
		<comments>http://www.strictbudget.com/2008/06/08/saving-is-adapting/#comments</comments>
		<pubDate>Sun, 08 Jun 2008 23:30:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Saving Attitude]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=13</guid>
		<description><![CDATA[&#8220;Adapt or die,&#8221; people say. Most circumstances in life, it&#8217;s not that extreme. But in many aspects of daily life, it&#8217;s very true. Let&#8217;s take an example, modern societies like that in American cities, people depend too much on oil import. From transportation to household utilities, the demand never stops increasing, while everyone knows the [...]]]></description>
		<wfw:commentRss>http://www.strictbudget.com/2008/06/08/saving-is-adapting/feed/</wfw:commentRss>
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		<title>Practical Ideas To Cut Spending</title>
		<link>http://www.strictbudget.com/2008/05/09/practical-ideas-to-cut-spending/</link>
		<comments>http://www.strictbudget.com/2008/05/09/practical-ideas-to-cut-spending/#comments</comments>
		<pubDate>Fri, 09 May 2008 21:52:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[General Saving Tips]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=12</guid>
		<description><![CDATA[Saving habit is not only for those who lost their job or have a big family. It is a good habit that everyone should have, even single earners. Everyone has his own way to save money. Here are some ideas I have applied:
Every now and then, check your bank accounts and credit card statements to [...]]]></description>
		<wfw:commentRss>http://www.strictbudget.com/2008/05/09/practical-ideas-to-cut-spending/feed/</wfw:commentRss>
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		<title>Some Tips for Do-It-Yourself Approach</title>
		<link>http://www.strictbudget.com/2008/05/04/some-tips-for-do-it-yourself-approach/</link>
		<comments>http://www.strictbudget.com/2008/05/04/some-tips-for-do-it-yourself-approach/#comments</comments>
		<pubDate>Mon, 05 May 2008 00:36:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Do-It-Yourself]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=11</guid>
		<description><![CDATA[If you live a busy life in the city, you may have noticed that you&#8217;ve been paying for a lot of services from haircut to car wash. A serious saver would sometimes wonder if some of those services can be self-helped. With the economy heading into recession, you may feel more pressure to explore any [...]]]></description>
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		<title>Necessity or Waste? It&#8217;s the Timeless Question!</title>
		<link>http://www.strictbudget.com/2008/01/14/necessity-or-waste-its-the-timeless-question/</link>
		<comments>http://www.strictbudget.com/2008/01/14/necessity-or-waste-its-the-timeless-question/#comments</comments>
		<pubDate>Mon, 14 Jan 2008 16:33:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Cut Spending]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=10</guid>
		<description><![CDATA[I used to subscribe to a local newspaper for about $45 a month and they delivered the daily newspaper to my door. After a little more than a year, I realized that I can get most of the same news on their website for free. So beside the paper ads stuffs within the newspaper, there&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.strictbudget.com/2008/01/14/necessity-or-waste-its-the-timeless-question/feed/</wfw:commentRss>
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		<item>
		<title>The Alternative Cost Concept</title>
		<link>http://www.strictbudget.com/2007/12/06/the-alternative-cost-concept/</link>
		<comments>http://www.strictbudget.com/2007/12/06/the-alternative-cost-concept/#comments</comments>
		<pubDate>Thu, 06 Dec 2007 16:32:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Cost Benefit Analysis]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=9</guid>
		<description><![CDATA[If you took finance or accounting in school, you would have known the concept of alternative cost, also known and used interchangeably as opportunity cost. And no, you don&#8217;t have to be a financial expert to understand and use this concept. Let me start with several examples
Let&#8217;s say, you are working right now, with a [...]]]></description>
		<wfw:commentRss>http://www.strictbudget.com/2007/12/06/the-alternative-cost-concept/feed/</wfw:commentRss>
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		<title>The Credit Card Game: Who&#8217;s The Winner?</title>
		<link>http://www.strictbudget.com/2007/10/03/the-credit-card-game-whos-the-winner/</link>
		<comments>http://www.strictbudget.com/2007/10/03/the-credit-card-game-whos-the-winner/#comments</comments>
		<pubDate>Wed, 03 Oct 2007 16:29:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Credit Card Effects]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=8</guid>
		<description><![CDATA[Hate it or love it, credit card has been part of our life. Almost every American adult now uses credit cards. You see credit cards are used everywhere: at retail stores, online merchants, or even in fast food restaurants these days. One important question is &#8220;WHY so many people have used credit cards?&#8221; Amazingly, it [...]]]></description>
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		<title>Pick a Discount Club</title>
		<link>http://www.strictbudget.com/2007/09/19/pick-a-discount-club/</link>
		<comments>http://www.strictbudget.com/2007/09/19/pick-a-discount-club/#comments</comments>
		<pubDate>Wed, 19 Sep 2007 16:28:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Discount Club]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=7</guid>
		<description><![CDATA[I used to hate the idea of wholesale membership like Costco and never joined them. I was not alone, some of my co-workers shared the sentiment as well. The main reason was that I could rarely consume the bundle quantity before the product&#8217;s expiration date! I still remember I shopped at Costco with my friend [...]]]></description>
		<wfw:commentRss>http://www.strictbudget.com/2007/09/19/pick-a-discount-club/feed/</wfw:commentRss>
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		<item>
		<title>Coupons And Bargains: When It&#8217;s Worth Your Time</title>
		<link>http://www.strictbudget.com/2007/08/02/coupons-and-bargains-when-its-worth-your-time/</link>
		<comments>http://www.strictbudget.com/2007/08/02/coupons-and-bargains-when-its-worth-your-time/#comments</comments>
		<pubDate>Thu, 02 Aug 2007 16:27:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[Bargains Hunting]]></category>

		<guid isPermaLink="false">http://www.strictbudget.com/?p=6</guid>
		<description><![CDATA[If you&#8217;re a frequent shopper at Sam&#8217;s Club or Costco Wholesales, you&#8217;ll notice that they issue discount coupons valid at certain time periods. It sure pisses me off some time when I already run out of paper napkins or mouthwash, but can&#8217;t use the coupons until two weeks later. I hate not to save those [...]]]></description>
		<wfw:commentRss>http://www.strictbudget.com/2007/08/02/coupons-and-bargains-when-its-worth-your-time/feed/</wfw:commentRss>
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