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	<title>Rainy Day Pennies &#124; Debt Free Living and Personal Finance</title>
	<link>http://rainydaypennies.net</link>
	<description>Just Like Grandma Used to Make</description>
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		<title>How to Make Time without being a Superhero</title>
		<description><![CDATA[ A frequent phrase I hear from friends and coworkers is, “I would like to do &#60;blank&#62;, but I don’t have enough time.”
Some of the items for &#60;blank&#62; are as follows:
exercise    lose weight     cook meals at home     do another task at work   [...]]]></description>
		<link>http://rainydaypennies.net/2010/04/how-to-make-time-without-being-a-superhero/</link>
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		<title>A Spending Statement from the Past</title>
		<description><![CDATA[ The other night, I went through my filing cabinet looking for tax documents. I found an interesting item from my past instead: a credit card statement of my former spending habits. In glaring detail, it is evidence of a spending spree that would eventually lead me to the lowest point in my life.
 
&#160;
The [...]]]></description>
		<link>http://rainydaypennies.net/2010/02/a-spending-statement-from-the-past/</link>
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		<title>Save Money at Restaurants (And Lose Weight!)</title>
		<description><![CDATA[ One of the main trouble areas that contributed to my debt and weight gain was restaurants.&#160; I didn’t cook at home, and I ate out at every meal.&#160; McDonalds for breakfast, Burger King for lunch, and Applebee’s for dinner.&#160; 
I didn’t realize that an average American restaurant portion is 2-3 times larger than it [...]]]></description>
		<link>http://rainydaypennies.net/2010/01/save-money-at-restaurants-and-lose-weight/</link>
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		<title>Rainy Day Fund Saves My Bacon Again in 2009</title>
		<description><![CDATA[ One of the recurring topics I write about is the many ways a “rainy day” or “emergency fund” has saved my bacon.&#160; It helped me get out of debt.&#160; It’s now helped me stay out of debt.
I finished paying off $35,000 worth of consumer debt in April 2008.&#160; Since that time to present, I [...]]]></description>
		<link>http://rainydaypennies.net/2009/12/rainy-day-fund-saves-my-bacon-again-in-2009/</link>
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		<title>Working on it!  (Forgive me!)</title>
		<description><![CDATA[I know I know, I promised new posts and I&#8217;m late.  I do have topics.  This has been a very rough year, but I&#8217;m still debt free and have some insights to share with you.
We&#8217;ll chat soon!
]]></description>
		<link>http://rainydaypennies.net/2009/12/working-on-it-forgive-me/</link>
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		<title>Luxury for Less: Pedicures</title>
		<description><![CDATA[I read an article from Time recently about ways people are cutting back during this economic downturn: 10 Big Recession Surprises.&#160; One of the benchmarks of a recession is lipstick sales, strangely enough.&#160; During wallet tightening cycles, women buy fewer designer cosmetics, but more lipstick.&#160; Lipstick is an inexpensive cosmetic luxury women feel they can [...]]]></description>
		<link>http://rainydaypennies.net/2009/07/luxury-for-less-pedicures/</link>
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		<title>First Quarter 2009 Rainy Day Funds Assessment</title>
		<description><![CDATA[ The start of 2009 was rough.&#160; I’ve tapped into my emergency fund several times due to unexpected events.
1. My company is indirectly hurt by the instability in the financial sector.&#160; Thus, many of us took a paycut.&#160; I took a 7.5% paycut. 
Impact: Disappointed, but my goals are marginally affected.&#160; I can still meet [...]]]></description>
		<link>http://rainydaypennies.net/2009/05/first-quarter-2009-rainy-day-funds-assessment/</link>
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	<item>
		<title>Flu Prevention: Wash Your Hands!</title>
		<description><![CDATA[ The big thing in the news right now is the swine flu.&#160; What&#8217;s the big deal, you might ask?
The first thing to know is the flu is always a serious illness.&#160; Pneumonia complication from a flu is the 8th leading cause of death in the industrialized world.&#160; If you&#8217;ve ever had a stuffy, running [...]]]></description>
		<link>http://rainydaypennies.net/2009/04/flu-prevention-wash-your-hands/</link>
			</item>
	<item>
		<title>Philanthropy in Tough Times</title>
		<description><![CDATA[ Give a hungry man a fish, you have fed him for a day.&#160; Teach a hungry man to fish, you have fed him for a lifetime. &#8211; Proverb
I won’t deny it.&#160; I wouldn’t mind being a millionaire.&#160; But I do not want to sell my soul to do it.&#160; I do not want to [...]]]></description>
		<link>http://rainydaypennies.net/2009/04/philanthropy-in-tough-times/</link>
			</item>
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		<title>A Tale of the American Car Company</title>
		<description><![CDATA[ My family was the poster child of the “Made in USA” label.&#160; My father and grandfather were both mechanics that fed, clothed, and provided education for their families by being indirectly employed by the American car companies.&#160; My uncle was a journeyman at General Motors in the 1990s.&#160; The first cars I remember were [...]]]></description>
		<link>http://rainydaypennies.net/2009/04/a-tale-of-the-american-car-company/</link>
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