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	<title>Comments on: Tips on Budget Planning and Saving Money</title>
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	<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/</link>
	<description>A personal finance blog where we share insights on carefully saving money, investing, early retirement, mortgages, stocks because the little things matter in achieving financial freedom!</description>
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		<title>By: Andrew @ Financial Services</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-21344</link>
		<dc:creator>Andrew @ Financial Services</dc:creator>
		<pubDate>Wed, 11 Nov 2009 14:19:58 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-21344</guid>
		<description>Bringing your own food to work is definitely a fast cash saver (not unless work provides you with free food). Great tips, I&#039;m sure anyone who follows these will surely see a tangible improvement on their savings.</description>
		<content:encoded><![CDATA[<p>Bringing your own food to work is definitely a fast cash saver (not unless work provides you with free food). Great tips, I&#8217;m sure anyone who follows these will surely see a tangible improvement on their savings.</p>
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		<title>By: Debt Consolidation Regina</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-16936</link>
		<dc:creator>Debt Consolidation Regina</dc:creator>
		<pubDate>Fri, 26 Jun 2009 18:15:19 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-16936</guid>
		<description>This is great article enlisting some of the basic points each individual should keep in mind while tracking their budget. Nowadays, there are many online personal finance tools that can help people track their daily expenses and get a better idea about their savings.</description>
		<content:encoded><![CDATA[<p>This is great article enlisting some of the basic points each individual should keep in mind while tracking their budget. Nowadays, there are many online personal finance tools that can help people track their daily expenses and get a better idea about their savings.</p>
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		<title>By: deannashea</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-11055</link>
		<dc:creator>deannashea</dc:creator>
		<pubDate>Fri, 17 Oct 2008 05:24:29 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-11055</guid>
		<description>These are all very helpful. Thanks! By the way, just wanna add up something. It is also very important that we become very keen with the costs that phone companies are charging us. Using free directory assistance can help us cut off those charges. You can try 1-800-411-SAVE. It&#039;s absolutely free. They have live and friendly agents that give out very accurate phone listings. You won&#039;t regret trying it! You can save more than a dollar per call.. Imagine how much you can keep. Remember the number 1-800-411-7283!</description>
		<content:encoded><![CDATA[<p>These are all very helpful. Thanks! By the way, just wanna add up something. It is also very important that we become very keen with the costs that phone companies are charging us. Using free directory assistance can help us cut off those charges. You can try 1-800-411-SAVE. It&#8217;s absolutely free. They have live and friendly agents that give out very accurate phone listings. You won&#8217;t regret trying it! You can save more than a dollar per call.. Imagine how much you can keep. Remember the number 1-800-411-7283!</p>
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		<title>By: luz</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-6443</link>
		<dc:creator>luz</dc:creator>
		<pubDate>Mon, 05 May 2008 13:18:09 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-6443</guid>
		<description>I agree with those you mentioned above because you can easily track back with your expenses for the month.</description>
		<content:encoded><![CDATA[<p>I agree with those you mentioned above because you can easily track back with your expenses for the month.</p>
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		<title>By: Asia'h Epperson</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-6259</link>
		<dc:creator>Asia'h Epperson</dc:creator>
		<pubDate>Sun, 27 Apr 2008 17:34:56 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-6259</guid>
		<description>My kids use to leave the lights on all the time and I&#039;d go along behind them turning them off. No matter what punishment they received, they just couldn&#039;t seem to &quot;remember&quot; to turn out the lights (and turn off the water). That is, until I started deducted money from their allowance each time they left the lights on or the water running.

Funny, they have no problem remembering now!</description>
		<content:encoded><![CDATA[<p>My kids use to leave the lights on all the time and I&#8217;d go along behind them turning them off. No matter what punishment they received, they just couldn&#8217;t seem to &#8220;remember&#8221; to turn out the lights (and turn off the water). That is, until I started deducted money from their allowance each time they left the lights on or the water running.</p>
<p>Funny, they have no problem remembering now!</p>
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		<title>By: Ann</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-6246</link>
		<dc:creator>Ann</dc:creator>
		<pubDate>Sat, 26 Apr 2008 17:48:17 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-6246</guid>
		<description>At one time, I was almost OCD about menu planning and grocery shopping lists. I&#039;ve slacked off that but really need to be back in the habit again. I have a great little shopping list program on my computer that keeps a running tally of the items on my &quot;to get&quot; list so I know when I&#039;m reaching my grocery shopping limit.</description>
		<content:encoded><![CDATA[<p>At one time, I was almost OCD about menu planning and grocery shopping lists. I&#8217;ve slacked off that but really need to be back in the habit again. I have a great little shopping list program on my computer that keeps a running tally of the items on my &#8220;to get&#8221; list so I know when I&#8217;m reaching my grocery shopping limit.</p>
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		<title>By: Kacper</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-6245</link>
		<dc:creator>Kacper</dc:creator>
		<pubDate>Sat, 26 Apr 2008 17:09:50 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-6245</guid>
		<description>Recently I started bringing own lunch to work. So far I have great results - save quite some money, if you summurize for longer period of time.</description>
		<content:encoded><![CDATA[<p>Recently I started bringing own lunch to work. So far I have great results &#8211; save quite some money, if you summurize for longer period of time.</p>
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		<title>By: Mike Huang</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-6230</link>
		<dc:creator>Mike Huang</dc:creator>
		<pubDate>Sat, 26 Apr 2008 00:36:48 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-6230</guid>
		<description>I personally think it is difficult to shop at warehouses or outlets.  They&#039;re usually very far from home and they sell in bulk.  I know you mentioned that you can split the bulk items, but it isn&#039;t that easy :(

-Mike</description>
		<content:encoded><![CDATA[<p>I personally think it is difficult to shop at warehouses or outlets.  They&#8217;re usually very far from home and they sell in bulk.  I know you mentioned that you can split the bulk items, but it isn&#8217;t that easy <img src='http://moneyning.com/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' /> </p>
<p>-Mike</p>
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		<title>By: Eric</title>
		<link>http://moneyning.com/frugality/tips-on-budgeting-and-saving-money/comment-page-1/#comment-6228</link>
		<dc:creator>Eric</dc:creator>
		<pubDate>Sat, 26 Apr 2008 00:01:08 +0000</pubDate>
		<guid isPermaLink="false">http://moneyning.com/?p=863#comment-6228</guid>
		<description>I have never understood people at work going out for lunch.  It seems to be a time and money sink.  I eat PowerBars for lunch ;^)

In regards to energy consumption:  Check all your water faucets for leaks.  I had a leaky faucet, but didn&#039;t worry about it until I got a $250 natural gas bill (I have a gas water heater).  Considering I kept my house at a slightly above meat-locker temperature, I was scratching my head for a little while, but then figured out it was the faucet leaking HOT water.  Fixed it and had an $80 gas bill the next month.</description>
		<content:encoded><![CDATA[<p>I have never understood people at work going out for lunch.  It seems to be a time and money sink.  I eat PowerBars for lunch ;^)</p>
<p>In regards to energy consumption:  Check all your water faucets for leaks.  I had a leaky faucet, but didn&#8217;t worry about it until I got a $250 natural gas bill (I have a gas water heater).  Considering I kept my house at a slightly above meat-locker temperature, I was scratching my head for a little while, but then figured out it was the faucet leaking HOT water.  Fixed it and had an $80 gas bill the next month.</p>
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