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	<title>The Frugal Pig &#187; Oink</title>
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	<link>http://www.frugalpig.com/frugallife</link>
	<description>Frugal Living Tips and Ideas</description>
	<lastBuildDate>Wed, 08 Feb 2012 17:21:17 +0000</lastBuildDate>
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		<title>Second Chance Loan Options</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/second-chance-loan-options/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/second-chance-loan-options/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 17:16:26 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[build credit]]></category>
		<category><![CDATA[second chance]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=672</guid>
		<description><![CDATA[What Are Second Chance Loans? When most people refer to second chance loans, they are usually talking about some sort of loan that can help people with bad credit. This may mean that the person, with poor credit, can get financing. Even more important than the financing may be the chance to rebuild credit so poor credit scores can turn back into good credit scores. If you have had some credit issues in the past, you may still be able to get another chance to get financing and build your credit rating back up. While there are actually lots of second chance loan options, some are better than others. In any case, it is very important to use your second chance wisely so you do not end up with even bigger problems. Bad Credit Peer To Peer Loans Of course, peer loans are probably the oldest type of loans in the world. With true person to person loans, you may try to get your family or friends to finance you. These days, peer lending sites actually connect thousands of potential lenders with thousands of potential borrowers. Of course, these lending sites present an opportunity for people with all different types [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/what-is-a-good-credit-score-today/' rel='bookmark' title='What Is A Good Credit Score Today?'>What Is A Good Credit Score Today?</a> <small>Is Your Credit Score Good? I have already discussed the...</small></li>
<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-to-misuse-credit-cards/' rel='bookmark' title='How To Misuse Credit Cards'>How To Misuse Credit Cards</a> <small>Credit Misuse Is The Problem Having a credit card is...</small></li>
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		<title>Can Peer To Peer Loans Improve Credit Scores?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/can-peer-to-peer-loans-improve-credit-scores/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/can-peer-to-peer-loans-improve-credit-scores/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 03:10:58 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Pay Off Debt]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[peer to peer loans]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=669</guid>
		<description><![CDATA[Peer To Peer Loan Sites Just as the name implies, peer to peer loans are made to individuals by individuals. This means that traditional financial institutions have been bypassed. The saver (investor) chooses which loans to fund. The hopeful borrower gets to make a case that he or she is a good candidate for a loan.  If you are interested, you can learn more about the advantages of peer to peer lending here. People have always gotten peer to peer loans by asking friend or family for help with financing. But I am discussing the new peer to peer loan sites, like Prosper, that actually serve as a sort of financial-EBay for this sort of thing. The sites do collect a small fee each time a loan payment is made. In return, they provide the active business center, and also do some preliminary credit checks on borrowers. How Can Peer To Peer Loans Inprove Your Credit Score If you have a bad credit, or even average credit scores, you may be able to benefit from using this sort of social lending service.  You may be able to obtain cheaper rates, and you may also be able to improve your credit scores quickly. [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-julia-paid-off-3k-in-credit-cards/' rel='bookmark' title='How Julia Paid Off $3k In Credit Cards'>How Julia Paid Off $3k In Credit Cards</a> <small>Can You Pay Off Your Credit Cards? The thought of...</small></li>
<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/what-is-a-good-credit-score-today/' rel='bookmark' title='What Is A Good Credit Score Today?'>What Is A Good Credit Score Today?</a> <small>Is Your Credit Score Good? I have already discussed the...</small></li>
<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-to-misuse-credit-cards/' rel='bookmark' title='How To Misuse Credit Cards'>How To Misuse Credit Cards</a> <small>Credit Misuse Is The Problem Having a credit card is...</small></li>
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		<title>How To Misuse Credit Cards</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-to-misuse-credit-cards/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-to-misuse-credit-cards/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 14:54:37 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Pay Off Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=664</guid>
		<description><![CDATA[Credit Misuse Is The Problem Having a credit card is not the problem with most people who get into financial trouble. Misuse of credit cards is usually on of the problems though! If you handle your credit cards the right way, they can improve your financial security and comfort. If you misuse them, they can make you miserable. At the Frugal Pig, we are quite aware that stuff happens. There may be cases where misuse is warranted, but they should probably fall in the category of absolutely needing to fix your car so you can get to work, or needing dental servies right now. If you ever find yourself in an emergency situation, previous credit card misuse, over frivolous things, will only make your situation worse. But mostly, the difference between a mediocre and a great credit score, comes down to small things. You can pay all of your bills on time, have money in the bank, and still be paying too much for credit. Maxing Out Your Cards (Or Coming Close) If you are constantly charging, and making low payments, you will find yourself coming close to using up your available credit. You may even charge an amount that [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-julia-paid-off-3k-in-credit-cards/' rel='bookmark' title='How Julia Paid Off $3k In Credit Cards'>How Julia Paid Off $3k In Credit Cards</a> <small>Can You Pay Off Your Credit Cards? The thought of...</small></li>
<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/reduce-credit-card-interest-rates-can-you-do-it/' rel='bookmark' title='Reduce Credit Card Interest Rates &#8211; Can You Do It?'>Reduce Credit Card Interest Rates &#8211; Can You Do It?</a> <small>Can You Still Reduce Credit Card Interest Rates Today? Despite...</small></li>
<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/what-is-a-good-credit-score-today/' rel='bookmark' title='What Is A Good Credit Score Today?'>What Is A Good Credit Score Today?</a> <small>Is Your Credit Score Good? I have already discussed the...</small></li>
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		<title>Financial Fitness Resolutions For 2012!</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/financial-fitness-resolutions-for-2012/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/financial-fitness-resolutions-for-2012/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 15:05:39 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[financiallly fit]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=622</guid>
		<description><![CDATA[Start Your Financially Fit New Year! Most of us make the same tedious resolutions every New Years. We are going to lose weight, get fit, and eat right. That usually does not work out that well, so how about trying a new resolution? Let&#8217;s all get more financially fit in 20112 Steps Towards More Financial Fitness This Year The failure to plan is planning to fail. Most success comes from having some sort of plan. This exercise will not always be about meeting every goal at 100 percent, but in striving to get better.  If you only added $1,000 to your retirement account last year, may you could plan to double that this year. If you only make it to $1,500, you will still have improved, even if you have not met your goal. Short And Long Term Financial Goals Set some goals. Short term goals could be the establishment, or increase, of an emergency savings fund. Remember our post about how most Americans could not lay their hands on $2,000? Make removing yourself from this group a priority. Long term goals could be more about saving for education, retirement, or a different home. Pay Yourself First! If you do [...]
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		<title>What Is Considered Rich?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/what-is-considered-rich/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/what-is-considered-rich/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 00:26:29 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[rich]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=616</guid>
		<description><![CDATA[Who Is Rich In The US? We already published an article about what income group is considered middle class. We also established that most people in the US think of themselves as middle class, regardless if we would think of them as rich or poor. Are you rich, poor, or middle class? How much money do you think it would take to consider yourself rich? Because, after all, your own perception of your financial state is what matters a lot. There is no doubt that some individuals, and families, consider themselves financially secure on very modest incomes. Other people, and families, barely make ends meet on incomes that seem huge to the rest of us! Let&#8217;s visit some statistics from the US Tax Policy Center. I am using household incomes, so these numbers could represent incomes from 1, 2, or even more income earners in the same home. It is interesting to note that the highest incomes come from households that file as married, filing jointly. Households that file as &#8220;head of household&#8221; (i.e. single parents) come in second, while single filers make the least. The Top 20 Percent Is the top twenty percent rich. If so, a household income [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/finance/how-much-do-american-households-make-in-2011/' rel='bookmark' title='How Much Do American Households Make In 2011?'>How Much Do American Households Make In 2011?</a> <small>What Is A Normal (Average?) US Household Income in 2011?...</small></li>
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		<title>How Much Money Do You Need To Save To Retire?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/saving-money/how-much-money-do-you-need-to-save-to-retire/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/saving-money/how-much-money-do-you-need-to-save-to-retire/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 17:48:01 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[retierment savings]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement calculator]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=609</guid>
		<description><![CDATA[How Much Money Will You Need For Retirement? Of course, the exact amount of retirement savings that you will need in order to retire comfortably is really hard to predict! This number will also be different for different people. Some things that will affect your own estimates will be your expenses, lifestyle, plans, and other retirement income. Retirement Savings Calculator Instead of just making some wild guesses, it may be more informative to figure out how well you would do with your current level of savings. This retirement savings calculator is a very handy and instructive tool for basic calculations. Note: The calculator assumes you have a tax deferred retirement account, but it is still useful for estimates even if you don&#8217;t. For awhile, everybody jumped on the IRA bandwagon in order to save tax money today. Now, some savers decide to pay taxes today so they will not be due in the future. An Example Of Retirement Savings Calculations At Work Let us assume, for an illustration, that you are 45 years old and would like to retire at 65 years old. That means you have 20 years left to save.  We will also give you a break and [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/saving-money/10-ways-to-save-money-at-home/' rel='bookmark' title='10 Ways To Save Money At Home'>10 Ways To Save Money At Home</a> <small>One of the most frequently asked questions that the PIG...</small></li>
<li><a href='http://www.frugalpig.com/frugallife/frugal-shopper/frugal-grocery-shopping/buy-coffee-online-to-save-money/' rel='bookmark' title='Buy Coffee Online To Save Money'>Buy Coffee Online To Save Money</a> <small>How Can An Online Coffee Store Save You Money? C&#8217;mon,...</small></li>
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		<title>Are You Wasting Money On Your Car?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/cheap-travel/are-you-wasting-money-on-your-car/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/cheap-travel/are-you-wasting-money-on-your-car/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 13:40:39 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Cheap Travel]]></category>
		<category><![CDATA[autos]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[cars]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=587</guid>
		<description><![CDATA[How Do People Waste Money On Vehicles? I am sure that most people do not take all costs into account when they budget for the cost of vehicle ownership. Many new car buyers only think about the actual monthly auto loan payment. They forget about auto insurance, repairs, upkeep, and fuel. This can be an expensive, financial mistake. However, I am also convinced that a lot of spend more than we have to on some things we do to keep our vehicles in good condition. Do you worry that you may be a sucker every time the guy at the car wash wants to sell you a new filter or system cleaner? If your car is running fine, some preventative car may be worth it &#8211; or not. Preventative Maintenance Can Keep You On The Road Of course, it is much better to replace some belts on the factory schedule than it is to have one break while you are in traffic. So &#8211; as usual &#8211; being penny wise and pound foolish &#8211; will never profit you in the long run. Oil Changes Every 3K Miles? On that same topic, a lot of experts keep telling us we do [...]
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		<title>How To Get Low Cost Dental Care</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-health/how-to-get-low-cost-dental-care/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-health/how-to-get-low-cost-dental-care/#comments</comments>
		<pubDate>Thu, 13 Oct 2011 14:59:44 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Frugal Health]]></category>
		<category><![CDATA[cheap dental]]></category>
		<category><![CDATA[dental discounts]]></category>
		<category><![CDATA[low cost dental]]></category>
		<category><![CDATA[low income dental]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=581</guid>
		<description><![CDATA[Find Low Cost Dental Services In the US today, we talk a lot about the high cost of medical care.  However, most major medical plans do not cover routine dental services, and these can be costly and hard to afford too. In fact, more people lack dental insurance than lack health insurance. Affording good health care for both routine and serious needs can be a big problem for many families. Even if you do have the money to pay for basic health care, you may find that some procedures are not covered &#8211; or covered well &#8211; by your current plan. Consider some tactics that can help you get high quality dental care at a lower price. Dental Schools Provide Low Cost Dental Services Many US dental schools provide low cost, or even free, services for people in the community. Trained dental students will provide the care, but they will always be supervised by licensed and experienced dental instructors. If you lack dental coverage, or if your current plan does not cover some services very well, search for a dental school in your town or city. These schools may provide a variety of services, from routine to cosmetic, at a [...]
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<li><a href='http://www.frugalpig.com/frugallife/frugal-finance/insurance/affordable-health-care-help/' rel='bookmark' title='Affordable Health Care Help'>Affordable Health Care Help</a> <small>Is Affordable Health Care In The US Closer Now? Despite...</small></li>
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		<title>New Uses For Old T Shirts!</title>
		<link>http://www.frugalpig.com/frugallife/green-and-frugal/new-uses-for-old-t-shirts/</link>
		<comments>http://www.frugalpig.com/frugallife/green-and-frugal/new-uses-for-old-t-shirts/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 13:34:39 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Green And Frugal]]></category>
		<category><![CDATA[crafts]]></category>
		<category><![CDATA[green]]></category>
		<category><![CDATA[recycle]]></category>
		<category><![CDATA[t shirts]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=577</guid>
		<description><![CDATA[Recycle and Re-purpose T Shirts For Daily Living The consumer market sells T-shirts by the tons daily for a good reason, they are inexpensive, and available in any size, type, and color imaginable. The only problem is that most people wear their tees for a short time, and then off to the trash, local donation center, or re-sell shop. You can walk into just about any used clothing store, and buy old v-neck or crew style t-shirts for anywhere from twenty-five cents to a dollar, and at garage sales you can pickup sometimes a dozen or more for just a dollar. Instead of warehousing this particular type of clothing in bins, and closets that usually will be passed over, there are literally dozens of ways to repurpose cotton or other materials used in making t-shirts. If you were raised in 1970s or before you will have remembered your grandparents, or parents using them as dust clothes, media for applying floor, shoe, furniture or automobile wax. Today with the “Green” movement in full swing, people are using their imaginations and coming up with droves of new ideas to re-purpose these shirts in many creative ways. T Shirt Crafts Some crafts people [...]
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		<title>The Best Senior Discounts You May Not Know About!</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-seniors/the-best-senior-discounts-you-may-not-know-about/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-seniors/the-best-senior-discounts-you-may-not-know-about/#comments</comments>
		<pubDate>Wed, 05 Oct 2011 16:20:24 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Frugal Seniors]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[discounts]]></category>
		<category><![CDATA[elderly]]></category>
		<category><![CDATA[food]]></category>
		<category><![CDATA[senior citizens]]></category>
		<category><![CDATA[seniors]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[travel]]></category>

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		<description><![CDATA[Who Wants To Give Senior Citizens A Price Break? Lots of older people have to make do on limited incomes. As a sign of respect for elders, and as a good public relations strategy, many companies offer good senior citizens discounts. Some of these are well know, but some have not been that well publicized at all. Elderly people can get the discounts, but they have to ask for them! You may wonder why companies would have hidden or secret senior discounts. Some may not want to promote themselves as a company for older people because they want to present a youthful image. However, they do offer price breaks and deals for the over 65 crowd. Lots Of Time, You Have To Ask For Over Age Discounts! Again, some companies or stores do not promote the discounts. We learned about a lot of these offers because we got feedback from people who asked. Next time you are shopping, banking, booking a trip, or eating out, ask if you will get rewarded for your grey hair. You should! Senior Travel Discounts Many people dream of travel during retirement. They may want to visit new places, or they may just want to [...]
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