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	<title>The Frugal Pig</title>
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	<link>http://www.frugalpig.com/frugallife</link>
	<description>Frugal Living Tips and Ideas</description>
	<lastBuildDate>Mon, 30 Jan 2012 03:10:58 +0000</lastBuildDate>
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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/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>Could You Make Your Own Pet Clothes?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/homemade-health-beauty/could-you-make-your-own-pet-clothes/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/homemade-health-beauty/could-you-make-your-own-pet-clothes/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 17:20:51 +0000</pubDate>
		<dc:creator>DeniseToo</dc:creator>
				<category><![CDATA[Homemade Health & Beauty]]></category>
		<category><![CDATA[DIY]]></category>
		<category><![CDATA[do it yourself]]></category>
		<category><![CDATA[pets]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=657</guid>
		<description><![CDATA[Can You Sew Dog And Pet Clothes? Pet clothes can be necessary, silly, or kind of fun. Hairless dogs, for example, may really need some extra protective outer wear, like  dog snuggies, in a cold climate. Lots of us are turning down the heat, these days, to save energy. If we get chilly, we can put on a sweater. You may also need to wrap up your pet! Finding the right dog accessory can be a big challenge though. You will need pet clothes that are comfortable, won&#8217;t annoy your pet, and can be easilly cleaned. If you live in an area with a wide temperature variation, you may even need more than one type. You may want to buy suitable protection for spring and fall, winter, and inside. Your selection of pet garments may be seriously limited if you try to shop in pet stores. Specialty shops, or even craft fairs, can be good sources of sweaters or costumers, but they are probably pricy. If you purchase outwear at a large retailer, or even online, some of these specialty goods can get expensive. When you add the cost to the expense of vet bills, food, etc., you may find [...]
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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>
<li><a href='http://www.frugalpig.com/frugallife/frugal-shopper/homemade-health-beauty/home-made-cleaning-solutions-for-dishes-and-laundry/' rel='bookmark' title='Home Made Cleaning Solutions For Dishes and Laundry'>Home Made Cleaning Solutions For Dishes and Laundry</a> <small>Can You Make Cheaper Cleaning Products At Home? Big companies...</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>Frugal Holiday Gifts To Please Anybody</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-retail-shopping/frugal-holiday-gifts-to-please-anybody/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-retail-shopping/frugal-holiday-gifts-to-please-anybody/#comments</comments>
		<pubDate>Sat, 26 Nov 2011 17:45:07 +0000</pubDate>
		<dc:creator>DeniseToo</dc:creator>
				<category><![CDATA[Frugal Retail Shopping]]></category>
		<category><![CDATA[Chanukah]]></category>
		<category><![CDATA[chirstmas]]></category>
		<category><![CDATA[frugal gifts]]></category>
		<category><![CDATA[frugal holiday]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=605</guid>
		<description><![CDATA[Do You Need Frugal Holiday Gift Ideas? We have already written an article about frugal gift ideas that people actually like. We have also spent time warning our readers about the dangers of running up a lot of holiday debt. However, in case you are a new reader who has not taken the time to explore old articles, it might be a good time to revisit this topic! Black Friday? Cyber Monday? Hold On! With all of the ads for black Friday, cyber Monday, etc. on TV, it is a tough time to hold onto our wallets. You may really want to please everybody on your gift list, and it can be hard to come up with cheap Christmas gifts for grandchildren, affordable presents for your coworkers, and something special for your spouse! Let me just mention that these special savings days may not always be the best time to find deals. A lot of stores do run super cheap specials, but they have some items in very limited numbers. The deals do attract people into the store, but the store management is hoping you will come in and make a lot of impulsive purchases. Impulse gift purchases are seldom [...]
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		<title>Are You Ready For Extreme Anti-Consumerism?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/are-you-ready-for-extreme-anti-consumerism/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/are-you-ready-for-extreme-anti-consumerism/#comments</comments>
		<pubDate>Sun, 13 Nov 2011 14:02:37 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[anti-consumerism]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[extreme]]></category>
		<category><![CDATA[frugality]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=597</guid>
		<description><![CDATA[The Anti-Consumerism Movement Gone Extreme! If the recession has taught Americans anything useful, it seems to have made it a lot more trendy to be frugal. Thrift stores, recycling, and do-it-yourself projects have become mainstream, and even, trendy! I do not believe many people would argue that these are positive steps, and a lot of Americans are beginning to realize that it is a lot better to re-use, recycle, do without, increase savings, and avoid debt. I, myself, take small steps. My steps to becoming more frugal are probably the common ones. In my opinion, frugality is a way to enjoy life more because I spend less of my time working just to sustain a lifestyle that does not really make me happy! I have become more frugal, but like most people, I have no been able to embrace something called extreme frugality. Have you? Baby Steps Towards A More Frugal Lifestyle I make sure my retirement account gets an automatic contribution every month. I have become more disciplined about adding money to my emergency savings account because that helps me avoid adding debt when I do need to visit the dentist, auto repair shop, or appliance store. I have [...]
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		<title>Ways To Save On Printer Ink</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-retail-shopping/ways-to-save-on-printer-ink/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-retail-shopping/ways-to-save-on-printer-ink/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 14:58:30 +0000</pubDate>
		<dc:creator>DeniseToo</dc:creator>
				<category><![CDATA[Frugal Retail Shopping]]></category>
		<category><![CDATA[cheap printer ink]]></category>
		<category><![CDATA[ink cartridges]]></category>
		<category><![CDATA[refill printer ink]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=593</guid>
		<description><![CDATA[How To Save Money On Ink For Your Printer I remember, not so long ago, when people would purchase new printers every time they ran out of ink. The printers were cheap. The ink was very expensive. And they could purchase a new printer, with ink cartridges, for less than they could buy replacement ink for. Some things have changed. The big printer companies caught on, so they started including mini cartridges in new printer boxes. If you decide to buy a more expensive printer, this is also not a reasonable alternative. However, there are still some ways to save money on printer ink. Why Is Printer Ink Expensive? I probably do not have to tell you that printer ink is really expensive. If you priced it out, per gallon, you would find it costs hundreds of dollars a gallon. Compare that to the price of gasoline or milk!  I think that part of the price is to compensate companies for all of the research and development that goes into making their printers these days. I doubt that the actual materials that go into those little cartridges justify the cost. Refills: You can find a lot of shops that refill [...]
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		<title>Frugal Gifts That People Like!</title>
		<link>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-entertaining/frugal-gifts-that-people-like/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-shopper/frugal-entertaining/frugal-gifts-that-people-like/#comments</comments>
		<pubDate>Wed, 26 Oct 2011 14:36:37 +0000</pubDate>
		<dc:creator>DeniseToo</dc:creator>
				<category><![CDATA[Frugal Entertaining]]></category>
		<category><![CDATA[frugal gifts]]></category>
		<category><![CDATA[presents]]></category>

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		<description><![CDATA[It&#8217;s Time For The Frugal Grinch&#8217;s Gift List! About 10 months ago, we reminded people to be wary of running up a lot of Christmas debt.  If you do that, you will certainly be giving the gifts that keep on taking away, and not giving. All year, we have been providing resources about sticking to a monthly budget too. As we are starting to see Halloween decorations give way to Thanksgiving, Christmas, and Hanukkah decorations, it is time to poll our members for their best frugal gift ideas. We love holidays, but we also know that holiday gifts can be budget busters! Set A Gift Budget Please set a realistic budget, and then do everything you can to stick to it! If your family is having a tough time right now, it may be time for the adults to agree that gifts are for kids only. If you want to give adults presents, please prioritize them. You may not be able to present your favorite people with 100% of their desires, but you may be able to give them a light at the end of the tunnel. For example, if you cannot afford to give your adolescent son an XBOX [...]
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