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	<title>Comments on: 11 Ways to Save Money This Month</title>
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	<description>because money doesn&#039;t grow on trees</description>
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		<title>By: Anne</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-117729</link>
		<dc:creator>Anne</dc:creator>
		<pubDate>Wed, 12 Oct 2011 16:21:56 +0000</pubDate>
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		<description>You know, it is tempting to spend a lot of money on those &#039;holidays&#039; that occur throughout the year, but what is the purpose of giving &#039;stuff&#039; or going out to an expensive meal?   We will be married 35 yrs. this November.  After about 5 yrs. of marriage we realized we were giving gifts on our anniversary just to give something.  So, we decided that on our anniversary, we would exchange cards, but not just any card.  We each write about the past year, and what it has meant to us to be together through all the ups and downs.  It is the most wonderful gift imaginable.  We set aside a quiet time for &#039;cards&#039;, read them silently, then spend some time talking.  I have saved every one of them, now a history of our long marriage. The best gift ever!  I would never cherish &#039;stuff&#039; the way I do this annual celebration.  Mothers Day?  Just getting the family together, whether on that day, or, on a day near it, is all I need. For Christmas, my husband and I just fill stockings, sometimes setting a limit on how much we will spend.  That&#039;s a challenge.  Our kids actually look forward to their stockings more than any other gift.  Now with grandchildren, a deposit to a college savings plan and one gift to open.</description>
		<content:encoded><![CDATA[<p>You know, it is tempting to spend a lot of money on those &#8216;holidays&#8217; that occur throughout the year, but what is the purpose of giving &#8216;stuff&#8217; or going out to an expensive meal?   We will be married 35 yrs. this November.  After about 5 yrs. of marriage we realized we were giving gifts on our anniversary just to give something.  So, we decided that on our anniversary, we would exchange cards, but not just any card.  We each write about the past year, and what it has meant to us to be together through all the ups and downs.  It is the most wonderful gift imaginable.  We set aside a quiet time for &#8216;cards&#8217;, read them silently, then spend some time talking.  I have saved every one of them, now a history of our long marriage. The best gift ever!  I would never cherish &#8216;stuff&#8217; the way I do this annual celebration.  Mothers Day?  Just getting the family together, whether on that day, or, on a day near it, is all I need. For Christmas, my husband and I just fill stockings, sometimes setting a limit on how much we will spend.  That&#8217;s a challenge.  Our kids actually look forward to their stockings more than any other gift.  Now with grandchildren, a deposit to a college savings plan and one gift to open.</p>
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		<title>By: What is the best way to save money?</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8701</link>
		<dc:creator>What is the best way to save money?</dc:creator>
		<pubDate>Fri, 05 Jun 2009 15:15:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8701</guid>
		<description>[...] 11 ways to save money this month [...]</description>
		<content:encoded><![CDATA[<div style="color:#175179;font-weight:bold;">
<p>[...] 11 ways to save money this month [...]</p>
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		<title>By: Jenny with Cricket Wireless</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8631</link>
		<dc:creator>Jenny with Cricket Wireless</dc:creator>
		<pubDate>Wed, 27 May 2009 19:04:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8631</guid>
		<description>A great 12th way to reduce expenses is to see if a pay-as-you-go phone is a good option for your situation. You could pay a lot less if you don&#039;t use your phone every day, but use it heavily on the days you do use it. If you don&#039;t use features like texting, don&#039;t pay for them. Cricket Wireless offers no-surprise unlimited monthly plans, too...but no matter what company you look into, odds are, you could be doing better.</description>
		<content:encoded><![CDATA[<p>A great 12th way to reduce expenses is to see if a pay-as-you-go phone is a good option for your situation. You could pay a lot less if you don&#8217;t use your phone every day, but use it heavily on the days you do use it. If you don&#8217;t use features like texting, don&#8217;t pay for them. Cricket Wireless offers no-surprise unlimited monthly plans, too&#8230;but no matter what company you look into, odds are, you could be doing better.</p>
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		<title>By: Carnival of Personal Finance #206 &#124; Keep My Dollar</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8613</link>
		<dc:creator>Carnival of Personal Finance #206 &#124; Keep My Dollar</dc:creator>
		<pubDate>Mon, 25 May 2009 13:30:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8613</guid>
		<description>[...] 11 Ways to Save Money This Month - My Dollar Plan [...]</description>
		<content:encoded><![CDATA[<div style="color:#175179;font-weight:bold;">
<p>[...] 11 Ways to Save Money This Month &#8211; My Dollar Plan [...]</p>
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		<title>By: Carnival of Personal Finance # 206: The Memorial Day Stars and Stripes Edition &#124; Greener Pastures: Personal Finance</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8612</link>
		<dc:creator>Carnival of Personal Finance # 206: The Memorial Day Stars and Stripes Edition &#124; Greener Pastures: Personal Finance</dc:creator>
		<pubDate>Mon, 25 May 2009 09:58:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8612</guid>
		<description>[...] Madison from My Dollar Plan presents 11 Ways to Save Money This Month. [...]</description>
		<content:encoded><![CDATA[<div style="color:#175179;font-weight:bold;">
<p>[...] Madison from My Dollar Plan presents 11 Ways to Save Money This Month. [...]</p>
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		<title>By: -&#62; Book Giveaway Winner, Beautiful Weekend Weather, And The Start Of A New Week! &#124; Bible Money Matters</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8539</link>
		<dc:creator>-&#62; Book Giveaway Winner, Beautiful Weekend Weather, And The Start Of A New Week! &#124; Bible Money Matters</dc:creator>
		<pubDate>Mon, 18 May 2009 16:46:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8539</guid>
		<description>[...] 11 Ways To Save Money This Month @ mydollarplan.com [...]</description>
		<content:encoded><![CDATA[<div style="color:#175179;font-weight:bold;">
<p>[...] 11 Ways To Save Money This Month @ mydollarplan.com [...]</p>
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		<title>By: Greg</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8491</link>
		<dc:creator>Greg</dc:creator>
		<pubDate>Tue, 12 May 2009 21:27:54 +0000</pubDate>
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		<description>I would not switch from Vanguard to Schwab.  You can get the 0.09% expense ratios at Vanguard with the Admiral Shares (have $100K in account or have $50K in account for past 10 years).  Keep an eye on the actual returns for the two companies, Vanguard is the master of index funds and may still outperform Schwab!

Greg</description>
		<content:encoded><![CDATA[<p>I would not switch from Vanguard to Schwab.  You can get the 0.09% expense ratios at Vanguard with the Admiral Shares (have $100K in account or have $50K in account for past 10 years).  Keep an eye on the actual returns for the two companies, Vanguard is the master of index funds and may still outperform Schwab!</p>
<p>Greg</p>
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		<title>By: Kate</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8490</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Tue, 12 May 2009 20:55:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8490</guid>
		<description>Nice list!  I&#039;ve never tried Red Box, but since we watch a lot of movies, Netflix was a great way for us to save over Blockbuster.  This month, the main way I am saving money is by trying to do one less of everything.  For example, eating out one less time, getting a Starbucks one less time, going to one less movie.  It&#039;s a lot easier than making a drastic change.  I got the idea from a post I read on Gen X Finance by the authors of the Power of Small.  If interested, here&#039;s a link: http://genxfinance.com/2009/04/29/8-small-changes-you-can-make-to-save-an-extra-100-this-month/</description>
		<content:encoded><![CDATA[<p>Nice list!  I&#8217;ve never tried Red Box, but since we watch a lot of movies, Netflix was a great way for us to save over Blockbuster.  This month, the main way I am saving money is by trying to do one less of everything.  For example, eating out one less time, getting a Starbucks one less time, going to one less movie.  It&#8217;s a lot easier than making a drastic change.  I got the idea from a post I read on Gen X Finance by the authors of the Power of Small.  If interested, here&#8217;s a link: <a href="http://genxfinance.com/2009/04/29/8-small-changes-you-can-make-to-save-an-extra-100-this-month/" rel="nofollow">http://genxfinance.com/2009/04.....his-month/</a></p>
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		<title>By: twopper</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8489</link>
		<dc:creator>twopper</dc:creator>
		<pubDate>Tue, 12 May 2009 20:17:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8489</guid>
		<description>I know you guys are US based but discount voucher codes are really big in the UK! Its a great way of picking up some real savings.</description>
		<content:encoded><![CDATA[<p>I know you guys are US based but discount voucher codes are really big in the UK! Its a great way of picking up some real savings.</p>
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		<title>By: Abigail</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8487</link>
		<dc:creator>Abigail</dc:creator>
		<pubDate>Tue, 12 May 2009 07:54:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8487</guid>
		<description>Unfortunately, May is an expensive month for us. Between Mother&#039;s Day and our anniversary, we have already spent more in discretionary funds than we would in pretty much any other month. (Unless you added up Xmas presents to count for December, perhaps.)

But I am trying to lose some weight. (I also had to buy some new clothes until that happens. Another expense. Sigh.) To help in that regard, I stocked up on some frozen dinners for $1.88 a piece. That should save some moolah. And eating better will save on junk food buys, which make up a decent chunk of our grocery budget at times.</description>
		<content:encoded><![CDATA[<p>Unfortunately, May is an expensive month for us. Between Mother&#8217;s Day and our anniversary, we have already spent more in discretionary funds than we would in pretty much any other month. (Unless you added up Xmas presents to count for December, perhaps.)</p>
<p>But I am trying to lose some weight. (I also had to buy some new clothes until that happens. Another expense. Sigh.) To help in that regard, I stocked up on some frozen dinners for $1.88 a piece. That should save some moolah. And eating better will save on junk food buys, which make up a decent chunk of our grocery budget at times.</p>
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		<title>By: Madison</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8484</link>
		<dc:creator>Madison</dc:creator>
		<pubDate>Mon, 11 May 2009 20:03:14 +0000</pubDate>
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		<description>@ SV: Check with your local municipality. The deadline to appeal assessments in our area is today. Our assessments came out two weeks ago, but we don&#039;t get our tax bill until the end of the year. Each city is different, so check with them to be sure!</description>
		<content:encoded><![CDATA[<p>@ SV: Check with your local municipality. The deadline to appeal assessments in our area is today. Our assessments came out two weeks ago, but we don&#8217;t get our tax bill until the end of the year. Each city is different, so check with them to be sure!</p>
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		<title>By: SV</title>
		<link>http://www.mydollarplan.com/11-ways-to-save-money-this-month/#comment-8483</link>
		<dc:creator>SV</dc:creator>
		<pubDate>Mon, 11 May 2009 19:47:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.mydollarplan.com/?p=845#comment-8483</guid>
		<description>You were talking about filing an appeal for  property taxes. Can we do it even before we get the tax bill for this year? i know that they give us only 15 days or so to appeal after we get the bill in september. If you could give me some details of it, that would be great. Thanks.</description>
		<content:encoded><![CDATA[<p>You were talking about filing an appeal for  property taxes. Can we do it even before we get the tax bill for this year? i know that they give us only 15 days or so to appeal after we get the bill in september. If you could give me some details of it, that would be great. Thanks.</p>
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