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	<title>The Money Saving Site</title>
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	<link>http://www.themoneysavingsite.com</link>
	<description>completely free money-saving tips</description>
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		<title>Finding Coupons Your Store Will Accept</title>
		<link>http://www.themoneysavingsite.com/2011/06/04/finding-coupons-your-store-will-accept/</link>
		<comments>http://www.themoneysavingsite.com/2011/06/04/finding-coupons-your-store-will-accept/#comments</comments>
		<pubDate>Sat, 04 Jun 2011 00:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<guid isPermaLink="false">http://www.themoneysavingsite.com/&#038;p=34</guid>
		<description><![CDATA[Finding coupons your store will accept can be difficult if you are searching the internet and printing them from there. Some stores had stopped accepting internet coupons for many years because people would produce duplicate copies and use them multiple times. As a result stores began losing money as they were not getting reimbursement from [...]]]></description>
			<content:encoded><![CDATA[<p>Finding coupons your store will accept can be difficult if you are searching the internet and printing them from there. Some stores had stopped accepting internet coupons for many years because people would produce duplicate copies and use them multiple times. As a result stores began losing money as they were not getting reimbursement from the manufacturers. Today however the usage of internet coupons is being more closely regulated and people have a more difficult time reproducing them. If they are successful in reproducing them the manufacturers are required to reimburse the stores, so the lose<span id="more-34"></span> for the stores is no longer an issue.</p>
<p>Manufacturer coupons that you might receive in the mail or that are found in newspapers are accepted everywhere that coupons are accepted. Some stores may be so small that they do not accept coupons but today most of them do. The use of coupons saves the consumers money and if the store they are currently shopping at will not or cannot honor the coupons they will go elsewhere in order to save the money. Many gas stations even accept coupons if they sell household goods as well. As always you should check with the store you shop at regularly before printing a bunch of coupons.</p>
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		<title>Ways to Maximize Savings on the Internet</title>
		<link>http://www.themoneysavingsite.com/2011/05/21/ways-to-maximize-savings-on-the-internet/</link>
		<comments>http://www.themoneysavingsite.com/2011/05/21/ways-to-maximize-savings-on-the-internet/#comments</comments>
		<pubDate>Sat, 21 May 2011 00:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<guid isPermaLink="false">http://www.themoneysavingsite.com/&#038;p=33</guid>
		<description><![CDATA[There are many great ways to maximize savings on the Internet. It is important to look online before purchasing anything in a regular retail store. There are often great deals online for consumers if they just do their homework. In today&#8217;s economy, many online retailers use promotional codes in order to entice shoppers to use [...]]]></description>
			<content:encoded><![CDATA[<p>There are many great ways to maximize savings on the Internet. It is important to look online before purchasing anything in a regular retail store. There are often great deals online for consumers if they just do their homework.</p>
<p>In today&#8217;s economy, many online retailers use promotional codes in order to entice shoppers to use their store. Consumers should scour the Internet and look for coupon codes by entering the name of the store such as Smith&#8217;s coupon codes into a<span id="more-33"></span> search engine. A list of coupon codes will appear and shoppers can look through the list of coupon codes and find one that works for the items that they have selected to be purchased. The code is then entered into the provided coupon or promo code box and the savings are applied automatically.</p>
<p>One of my favorite online coupon code websites, http://www.retailmenot.com/ has thousands of great online coupon codes for many different retail stores. Budgeting is an important way to maximize savings. It is important for people to have a budget when doing online shopping. For example, when wanting to buy a coat budget for the expense but remember to include sales tax and shipping fees in the budget. It is important to have a budget because many people spend too much when they shop online. With hard work, shoppers can save hundreds or even thousands of dollars by utilizing the Internet&#8217;s resources properly.</p>
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		<item>
		<title>How to Look Budget Savvy, Not Cheap</title>
		<link>http://www.themoneysavingsite.com/2011/05/07/how-to-look-budget-savvy-not-cheap/</link>
		<comments>http://www.themoneysavingsite.com/2011/05/07/how-to-look-budget-savvy-not-cheap/#comments</comments>
		<pubDate>Sat, 07 May 2011 00:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<guid isPermaLink="false">http://www.themoneysavingsite.com/&#038;p=32</guid>
		<description><![CDATA[If you want to look budget savvy, not cheap when shopping for your family all it takes is a little creative research. You can dress your family, provide a great dcor for your home, and provide yourself with a vision of elegance at the right price. You need to take advantage of thrift shops, online [...]]]></description>
			<content:encoded><![CDATA[<p>If you want to look budget savvy, not cheap when shopping for your family all it takes is a little creative research. You can dress your family, provide a great dcor for your home, and provide yourself with a vision of elegance at the right price. You need to take advantage of thrift shops, online sales, yard sales, and creative decoration style. </p>
<p>Begin with your home and change the look of your dcor with new curtains from a thrift shop. You can find elegant, beautiful draperies for an extremely low cost compared to new ones. Add covers for<span id="more-32"></span> the couch and you home has an updated look. You can find good buys on wall dcor, flower vases, and even dishes. The thrift shop is one of the best places to find good china dishes. Buy it piece by piece and choose a different type china for each piece. Choose it as a style during a dinner party or family function and set a trend for others. </p>
<p>Watch for thrift shop sales. There are certain days when everything is marked down by a percentage and sometimes a thrift shop will make room by offering all clothing for .50 or less. This is the time to take advantage of school cloths, work cloths, and winter coats. You can dress your family with good clothes, professional suits, work clothes and stylish winter coats.</p>
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		<item>
		<title>Saving money at college</title>
		<link>http://www.themoneysavingsite.com/2011/01/21/saving-money-at-college/</link>
		<comments>http://www.themoneysavingsite.com/2011/01/21/saving-money-at-college/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 00:00:00 +0000</pubDate>
		<dc:creator>www.themoneysavingsite.com</dc:creator>
				<category><![CDATA[College]]></category>

		<guid isPermaLink="false">http://www.themoneysavingsite.com/?p=28</guid>
		<description><![CDATA[When you&#8217;re looking to save money on wireless internet, visit the useful resource www.wirelessinternet.net to aid you in your search. When you&#8217;re looking to save money at college, read this article.College costs enough alreadywhy add to it by racking up debt while you&#8217;re there? Of course, staying in and studying all the time is one [...]]]></description>
			<content:encoded><![CDATA[<p>When you&#8217;re looking to save money on wireless internet, visit the useful resource <a href="http://www.wirelessinternet.net">www.wirelessinternet.net</a> to aid you in your search. When you&#8217;re looking to save money at college, read this article.College costs enough alreadywhy add to it by racking up debt while you&#8217;re there? Of course, staying in and studying all the time is one way to save money, but not one that we&#8217;d recommend. Instead, here are some tips for stretching that dollar without sacrificing your social life.
<ul>
<li>Buy used books from outside your school. You&#8217;re not going to do any better or worse in the class if your books are brand-new. You can save hundreds of dollars by going to a site like <a href="http://www.amazon.com/">Amazon</a> or Half.com.</li>
<li>Avoid overdraft fees. Don&#8217;t rely on your bank to alert you when you go past your limit, because by then you&#8217;ll probably have already accrued a number of overdraft fees (in addition to having to cover the cost of the purchases). Keep track of your spending either by hand or online.</li>
<li>Stock up during sales. Whether its toilet paper or cute shirts, get what you can while the getting&#8217;s goodas long as you know you&#8217;ll use it in the future. Otherwise, why have three of the same shirt hanging around when you&#8217;re only going to wear one?</li>
<li>Sell your excess. You should always be selling back books at the end of the semester (as long as you won&#8217;t need them for future classes or for personal use). Don&#8217;t sell back to the schoolonline stores normally pay more. But don&#8217;t limit yourself to books. Movies, games, and clothing can also be sold at thrift stores or online.</li>
<li>Use that college ID. Many of the stores around your school will offer discounts when you show your ID. Name brands like Apple Computer also sometimes have college discounts.</li>
<li>Find a job (preferably one where you can work). Getting a job as a receptionist for one of the school&#8217;s departments or as a library assistant is a great way to make some money while getting your work done.</li>
<li>Use your debit card rather than your credit card. Okay, this applies to everybody, but the theory is simpledon&#8217;t buy more than you can afford.</li>
<li>Take advantage of your kitchen. A kitchen is a great attraction for college apartment-shoppers, but what&#8217;s the point if you&#8217;re ordering pizza every night? Keep the refrigerator well-stocked and make it a point to try new recipes on a regular basis.</li>
</ul>
<p>Hopefully, these tips will get your mind racing and open up even more possibilities. Good luck, and happy studies.</p>
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		<item>
		<title>Smells Like Bacon to Me</title>
		<link>http://www.themoneysavingsite.com/2010/08/20/smells-like-bacon-to-me/</link>
		<comments>http://www.themoneysavingsite.com/2010/08/20/smells-like-bacon-to-me/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:44:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Money-Making]]></category>

		<guid isPermaLink="false">http://www.themoneysavingsite.com/?p=12</guid>
		<description><![CDATA[We certainly wouldn&#8217;t suggest making a career change to using these techniques for your standard income, but if you&#8217;re feeling strapped for cash, there are a surprising number of unique ways to pull in a few bucks. If you&#8217;re out of work or have some unexpected expenses coming up, try one of these money-making tricks. [...]]]></description>
			<content:encoded><![CDATA[<p>We certainly wouldn&#8217;t suggest making a career change to using these techniques for your standard income, but if you&#8217;re feeling strapped for cash, there are a surprising number of unique ways to pull in a few bucks. If you&#8217;re out of work or have some unexpected expenses coming up, try one of these money-making tricks.
<ol>
<li>Take a Survey: Marketers and medical researchers are always looking for subjects to take various surveys. This could range from filling out a short online questionnaire to having an MRI done at a local hospital, but hey, they pay. Yellow Surveys is a great guide to finding current or upcoming paid surveys. GPGP provides information about local medical centers seeking survey participants and how to apply or contact these organizations.<span id="more-12"></span></li>
<li>Sell Something Valuable: By this, I mean your body. No not in the immoral, illegal way, but in the honorable and lucrative way by donating plasma, bone marrow or white blood cells. A quick search online will help you find local centers for donation. A great way to make some cash and save a life at the same time.</li>
<li>Sell Your Junk: Even if you consider yourself a pretty neat and organized person, you probably still have some old junk hidden somewhere that serves no purpose other than to take up space. Consider having a yard sale or posting your items on <a href="http://www.ebay.com/">eBay</a> or <a href="http://www.craigslist.org/about/sites">Craigslist</a>.</li>
<li>Sell Your Driveway: Not the concrete, the parking space. If you live in a college town or in a city, parking is probably limited and there are always people looking for a parking spot to rent out. Post an ad in the local paper or put up flyers around town. Renting out a parking space can make you a couple hundred dollars in just a few months.</li>
<li>Odd Jobs: There&#8217;s no shame in earning some money with a few simple tasks such as dog walking or house sitting. People will often shell out a decent amount of money for you to take care of their things. This isn&#8217;t a very time consuming endeavor and leaves plenty of time for job hunting, or one of the above mentioned tasks.</li>
</ol>
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		<item>
		<title>Mobile vs. Landline: The Money Saving Battle</title>
		<link>http://www.themoneysavingsite.com/2010/08/20/mobile-vs-landline-the-money-saving-battle/</link>
		<comments>http://www.themoneysavingsite.com/2010/08/20/mobile-vs-landline-the-money-saving-battle/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:41:29 +0000</pubDate>
		<dc:creator>www.themoneysavingsite.com</dc:creator>
				<category><![CDATA[Communications]]></category>

		<guid isPermaLink="false">http://www.themoneysavingsite.com/?p=10</guid>
		<description><![CDATA[Most Americans make considerably more calls using a mobile phone than a land line at home. It&#8217;s becoming more and more common to see families abandoning their home telephone altogether. It is extremely unlikely for someone to make the switch to only a land line and discontinue use of a cell phone because this would [...]]]></description>
			<content:encoded><![CDATA[<p>Most Americans make considerably more calls using a mobile phone than a land line at home. It&#8217;s becoming more and more common to see families abandoning their home telephone altogether. It is extremely unlikely for someone to make the switch to only a land line and discontinue use of a cell phone because this would entail giving up all the convenience and security that comes with having telephone access wherever you go. However, the debate that is emerging is whether there is still a place for landlines to coexist in the world of mobile phones. Consolidating your phone usage and bills can definitely simplify this part of your life. There&#8217;s a reason home telephone sales are dropping, and in our minds there is a clear cut winner in this debate.<span id="more-10"></span>If you use up a great deal of minutes on your phone each month then the cost of a mobile phone initially may be more, but one way to combat this is by using internet calling. Companies such as <a href="http://www.skype.com/intl/en-us/home">Skype</a> and <a href="http://finance.yahoo.com/news/7-Times-You-Shouldnt-Take-a-usnews-1047241086.html?x0">Yahoo</a>, with their Voice program, have stepped onto the stage in the last few years offering free calls between computers and extremely low long distance and domestic rates. If you cancel your landline, you can use you cell phone whenever you&#8217;re away from home and internet calling when you&#8217;re home. This is the same breakdown you would use with a landline, only the at-home, online calls are free.The features and uses of today&#8217;s mobile phones far outweigh the function of a landline. Smart phones that provide internet access may have slightly higher monthly bills, but you can actually save money by reducing your need to purchase Wi-Fi access when you&#8217;re on the go. New browsing limits are opening even more opportunities for mobile phones such as video calling, a feature of the new <a href="http://www.apple.com/iphone/">iPhone 4</a>.</p>
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		<item>
		<title>How to Skimp at the Store</title>
		<link>http://www.themoneysavingsite.com/2010/08/20/how-to-skimp-at-the-store/</link>
		<comments>http://www.themoneysavingsite.com/2010/08/20/how-to-skimp-at-the-store/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:37:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Grocery Shopping]]></category>

		<guid isPermaLink="false">http://www.themoneysavingsite.com/?p=8</guid>
		<description><![CDATA[Buying groceries is one set of purchases you can&#8217;t eliminate from your budget, but there are plenty of ways to cut back on how much you&#8217;re spending each week. Because it&#8217;s a necessary expense, it&#8217;s also probably one of your larger costs and therefore even more important to re-evaluate where you can trim down. Next [...]]]></description>
			<content:encoded><![CDATA[<p>Buying groceries is one set of purchases you can&#8217;t eliminate from your budget, but there are plenty of ways to cut back on how much you&#8217;re spending each week. Because it&#8217;s a necessary expense, it&#8217;s also probably one of your larger costs and therefore even more important to re-evaluate where you can trim down. Next time you head to the supermarket remember a few of these easy to follow tips.
<ol>
<li>Shop at the Right Time: No, there isn&#8217;t some grocery store conspiracy where they change the prices from hour to hour, we&#8217;re talking about the right time for you. Try to plan a trip to the store after you&#8217;ve just eaten so that hunger pains won&#8217;t have you buying products you don&#8217;t need or may not even eat. Even though this may seem inconvenient, try to fit in a trip to the grocery store when you&#8217;re in a rush. If you don&#8217;t have all the time in the world to stroll the aisles, you&#8217;re much more likely to get out with just the things you need. <span id="more-8"></span></li>
<li>Make and Stick to a List: Having a set number of items you need will keep you from grabbing various items off the shelves because they are momentarily appealing. Don&#8217;t fall into the trap of the end-aisle displays. Whatever is on your list is there for a reason, and the same goes for whatever is not on the list.</li>
<li>Don&#8217;t be a Brand Snob: Just because you grew up with your parents buying the same brand year after year doesn&#8217;t mean it&#8217;s worth the extra dough. You can find almost any product in generic and if it&#8217;s the store&#8217;s own brand, there are often special deals on these groceries.</li>
<li>Re-think Bulk: Everyone always says buying in bulk is the best way to save money, and it can be effective, but it must be done carefully. Many people fall into the trap of buying bulk on principle without considering if they actually need or will ever use that much of a product. If you decide to buy in large quantities try and keep these purchases to non-perishables, which are less likely to go bad before you use them.</li>
<li>Don&#8217;t Forget the Dollar Store: Most people like to get everything they need from one place, which may be convenient, but can cost more. For paper, cleaning, and personal hygiene products, you are better off purchasing them at a <a href="http://www.dollartree.com/home.jsp">Dollar Tree</a> or <a href="http://www.dollargeneral.com/Pages/index.aspx">Dollar General</a>, where they cost a fraction of what they&#8217;ll be marked up to at a grocery store.</li>
</ol>
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		<title>How to Choose the Best Rewards Card Program</title>
		<link>http://www.themoneysavingsite.com/2010/08/20/how-to-choose-the-best-rewards-card-program/</link>
		<comments>http://www.themoneysavingsite.com/2010/08/20/how-to-choose-the-best-rewards-card-program/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:35:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>

		<guid isPermaLink="false">http://www.themoneysavingsite.com/?p=6</guid>
		<description><![CDATA[When it comes to smart money habits, credit cards don&#8217;t usually make the top of our list. These cards with their minimum payments of only a fraction of your actual balance me seem like the perfect plan, but they let you fall into thousands of dollars worth of debt. Though we don&#8217;t necessarily encourage them, [...]]]></description>
			<content:encoded><![CDATA[<p>When it comes to smart money habits, credit cards don&#8217;t usually make the top of our list. These cards with their minimum payments of only a fraction of your actual balance me seem like the perfect plan, but they let you fall into thousands of dollars worth of debt. Though we don&#8217;t necessarily encourage them, if you are going to get a credit card, shop around for a good rewards program. These systems let you acquire points, redeemable for everything from free meals to entire vacations.First and foremost you should understand that a credit card rewards program is only beneficial to you if you pay the balance each month. Credit card users who only pay a minimum payment and constantly carry a balance will never reap the benefits of these rewards because they will be eaten up by interest.<span id="more-6"></span>Next, you want to find a program that allows you to earn points for every dollar you spend. This way you won&#8217;t constantly be wondering what purchases are saving you money. When evaluating a program you should also take a look at their points system. Some rewards programs don&#8217;t have very distinct point levels. You want a program where you can cash in once you&#8217;ve earned just a few thousand points or save up for something big with hundreds of thousands of them. Credit card companies are great at listing all the many products you could earn with points but fail to mention that something as small as a clock radio could take 50,000 points, which rounds out to be one very expensive clock radio. Also inquire about how you can go about browsing through available products when you&#8217;re ready to cash in your points. Some rewards programs talk up all the great things you can earn but then hide them deep in stuffed mail flyers or through a complicated online process so it ends up being more hassle than it&#8217;s worth.</p>
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		<item>
		<title>Green Ways to Save</title>
		<link>http://www.themoneysavingsite.com/2010/08/20/green-ways-to-save/</link>
		<comments>http://www.themoneysavingsite.com/2010/08/20/green-ways-to-save/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:32:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Energy Conservation]]></category>

		<guid isPermaLink="false">http://www.themoneysavingsite.com/?p=4</guid>
		<description><![CDATA[With the worst oil spill in American history monopolizing headlines and one of the worst recessions in decades still looming, two of the biggest trends in our society are money saving and sustainability. Fortunately, these are two concepts that often go hand in hand. Going green is usually a great way to save money as [...]]]></description>
			<content:encoded><![CDATA[<p>With the worst oil spill in American history monopolizing headlines and one of the worst recessions in decades still looming, two of the biggest trends in our society are money saving and sustainability. Fortunately, these are two concepts that often go hand in hand. Going green is usually a great way to save money as well, so browse through these tips and kill two birds with one stone.
<ol>
<li>Toss the Disposables: Ok, so obviously you should throw away your disposable trash, but we&#8217;re suggesting you get rid of them once and for all. Disposables actually cover a pretty broad range of areas; Drink from a water bottle not bottled water. Use and wash real dishes, not plastic or <a href="http://en.wikipedia.org/wiki/Styrofoam">Styrofoam</a>. Consider trying cloth diapers on your baby and ditch the costly, disposable diapers.<span id="more-4"></span></li>
<li>Change Your Bulbs: As they burn out, replace your traditional incandescent bulbs with compact fluorescent light bulbs, which according to <a href="http://www.energystar.gov/">Energy Star</a>, use 75 less energy than their counterparts. This energy reduction allows them to last ten times longer, saving you around 30 per bulb!</li>
<li>Carpool: It may be the oldest trick in the book, but few of us maximize the potential of this travel technique. Arrange a system with other parents in the neighborhood or coworkers that live in your area.</li>
<li>Install a Temperature Monitoring Device: These easy-to-use gadgets help your thermostat maintain a constant temperature no matter how the weather outside changes. A thermostat sensor can save you a great deal of money on your energy bill and reduces pollutants emitted during electricity production.</li>
<li>Smart Showers: Obviously shortening your showers saves water and money, but another method for reducing waste here is installing a low-flow shower head that uses less water. This way it&#8217;s not even something you have to think about, the device reduces the amount of water used for you.</li>
</ol>
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