<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Pennysaverblog &#187; Pam</title>
	<atom:link href="http://www.pennysaverblog.com/author/PamL/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.pennysaverblog.com</link>
	<description>Smart Finance and Money Saving Tips</description>
	<lastBuildDate>Fri, 03 Feb 2012 09:15:25 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.1</generator>
		<item>
		<title>Should I Take Out An RRSP Loan?</title>
		<link>http://www.pennysaverblog.com/should-i-take-out-an-rrsp-loan/</link>
		<comments>http://www.pennysaverblog.com/should-i-take-out-an-rrsp-loan/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 10:33:26 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[RRSP]]></category>
		<category><![CDATA[RRSP contributions]]></category>
		<category><![CDATA[RRSP loans]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3788</guid>
		<description><![CDATA[What is an RRSP Loan? When you borrow money from the bank in order to contribute to your RRSPs, you are using an RRSP loan.  There are different types available. Some need to be paid off within a year, while others you can pay off over a much longer time period.  You will often be [...]]]></description>
		<wfw:commentRss>http://www.pennysaverblog.com/should-i-take-out-an-rrsp-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Reduce Food Waste &#8211; 5 Freezer Tips</title>
		<link>http://www.pennysaverblog.com/how-to-reduce-food-waste-5-freezer-tips/</link>
		<comments>http://www.pennysaverblog.com/how-to-reduce-food-waste-5-freezer-tips/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 10:01:35 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Household]]></category>
		<category><![CDATA[food waste]]></category>
		<category><![CDATA[freezer tips]]></category>
		<category><![CDATA[household tips]]></category>
		<category><![CDATA[preserve food]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3657</guid>
		<description><![CDATA[Can you believe that most households in North America waste about 25% of their food?  Want to reduce the amount of food you waste every year?  Below are some great freezer tips that will help you to do just that. 1.  If you have leftovers from dinner, put them directly into the freezer so that [...]]]></description>
		<wfw:commentRss>http://www.pennysaverblog.com/how-to-reduce-food-waste-5-freezer-tips/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Time Or Money &#8211; Which Is Your Priority?</title>
		<link>http://www.pennysaverblog.com/time-or-money-which-is-your-priority/</link>
		<comments>http://www.pennysaverblog.com/time-or-money-which-is-your-priority/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 10:52:11 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[money thoughts]]></category>
		<category><![CDATA[time and money]]></category>
		<category><![CDATA[value your time]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3595</guid>
		<description><![CDATA[I used to be the type of person who would go to great lengths to save a buck, regardless of how much time it would take me to do it.  I wouldn’t think twice about spending a half hour to save a few dollars.  But now I have come to realize that time is of [...]]]></description>
		<wfw:commentRss>http://www.pennysaverblog.com/time-or-money-which-is-your-priority/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Much Time Do You Spend On Your Personal Finances?</title>
		<link>http://www.pennysaverblog.com/how-much-time-do-you-spend-on-your-personal-finances/</link>
		<comments>http://www.pennysaverblog.com/how-much-time-do-you-spend-on-your-personal-finances/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 11:24:07 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[smart money management]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3361</guid>
		<description><![CDATA[Unless you are one of those people lucky enough to have an amazing advisor who keep you accountable and on track, you are probably like most of us who spend a minimal amount of time actually thinking about and planning strategies for personal finance. I heard the other day that we spend approximately 20 hours [...]]]></description>
		<wfw:commentRss>http://www.pennysaverblog.com/how-much-time-do-you-spend-on-your-personal-finances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Reasons Not To Use Coupons For Groceries</title>
		<link>http://www.pennysaverblog.com/5-reasons-not-to-use-coupons-for-groceries/</link>
		<comments>http://www.pennysaverblog.com/5-reasons-not-to-use-coupons-for-groceries/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 11:04:25 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Shopping]]></category>
		<category><![CDATA[coupons]]></category>
		<category><![CDATA[grocery shopping]]></category>
		<category><![CDATA[shopping tips]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3420</guid>
		<description><![CDATA[1. They take way too long to collect.  I can think of many other things I would rather spend my time doing than clipping coupons.  Whether you enjoy it or not, think of all the time you are spending looking for just the right deals.  If you are a coupon clipper, I would recommend that [...]]]></description>
		<wfw:commentRss>http://www.pennysaverblog.com/5-reasons-not-to-use-coupons-for-groceries/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Cheapskate Next Door &#8211; Book Review</title>
		<link>http://www.pennysaverblog.com/the-cheapskate-next-door-book-review/</link>
		<comments>http://www.pennysaverblog.com/the-cheapskate-next-door-book-review/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 11:44:47 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Book Reviews]]></category>
		<category><![CDATA[book review]]></category>
		<category><![CDATA[cheapskate next door]]></category>
		<category><![CDATA[personal finance book]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3402</guid>
		<description><![CDATA[                                             The Cheapskate Next Door: The Surprising Secrets Of Americans Living Happily Below Their Means by Jeff Yeager As a fellow cheapskate, I have to admit I absolutely loved The Cheapskate Next Door.  I sat down and read it all in one day as it was truly humorous and captured my full attention.  A witty [...]]]></description>
		<wfw:commentRss>http://www.pennysaverblog.com/the-cheapskate-next-door-book-review/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A Great Way To Spend Time With Your Kids This Christmas &#8211; Make Dough Ornaments</title>
		<link>http://www.pennysaverblog.com/a-great-way-to-spend-time-with-your-kids-this-christmas-make-dough-ornaments/</link>
		<comments>http://www.pennysaverblog.com/a-great-way-to-spend-time-with-your-kids-this-christmas-make-dough-ornaments/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 11:08:24 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Christmas activities]]></category>
		<category><![CDATA[Christmas crafts]]></category>
		<category><![CDATA[Christmas ideas]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3437</guid>
		<description><![CDATA[&#160; &#160; &#160; With Christmas just around the corner, it’s time to get your creative juices flowing.   Your kids are going to want to do something cool this Christmas with you, so why not create some great memories by making your own Christmas ornaments this year?  There’s a really simple dough recipe below that you [...]]]></description>
		<wfw:commentRss>http://www.pennysaverblog.com/a-great-way-to-spend-time-with-your-kids-this-christmas-make-dough-ornaments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

