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    <title>Clubneary's Personal Finance Blog</title>
    <link>http://clubneary.savingadvice.com</link>
    <description>Getting rid of debt one penny at a time.</description>
	<webMaster>info@savingadvice.com</webMaster>
	<managingEditor></managingEditor>
    <language>en-us</language>
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      <title>Half.com &amp; the Consignment Store</title>
      <link>http://clubneary.savingadvice.com/2009/03/12/halfcom-the-consignment-store_49331/</link>
      <description>Sold another 2 books on Half.com!!!!  I listed them a while ago and forgot they were still out there.  I was pleasantly surprised when I read the email entitled &quot;You made a sale!&quot;  One was for a box set of Junie B Junes books that were never opened.  $9.00!  I know I spent more than...</description>
      <pubDate>Thu, 12 Mar 2009 13:55:58 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>John, Paul, George, and Ringo...</title>
      <link>http://clubneary.savingadvice.com/2009/03/05/john-paul-george-and-ringo_49069/</link>
      <description>My husband is a HUGE Beatles fan.  I think he grew up in the wrong generation.  He is only 40 and knows everything there is to know about the group.  He can play all their songs on his guitar and does a good job singing them too.  Because he is such a HUGE fan, our kids have become...</description>
      <pubDate>Thu, 05 Mar 2009 09:58:22 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Saving and Eating, Eating and Saving</title>
      <link>http://clubneary.savingadvice.com/2009/03/03/saving-and-eating-eating-and-saving_48998/</link>
      <description>I don't want to jinx myself but for the last 2 days I have been doing an awesome job on the diet and not spending.  &lt;br /&gt;
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It all started Sunday when I spent 2 hours at the mall in the hopes of finding some new shirts, sweaters, anything to wear on the top halpf of my body that would...</description>
      <pubDate>Tue, 03 Mar 2009 14:13:03 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Half.com</title>
      <link>http://clubneary.savingadvice.com/2009/02/10/halfcom_48348/</link>
      <description>I am joining the ranks of you who are selling on Half.com.  I just started listing on Friday (2/6/09) of last week.  I would have started earlier but our computer broke and we had to have the mother board replaced or some such nonsense.&lt;br /&gt;
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As of today I have made 4 sales-whoo hoo!...</description>
      <pubDate>Tue, 10 Feb 2009 14:06:21 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>My mouth wouldn't open</title>
      <link>http://clubneary.savingadvice.com/2009/01/27/my-mouth-wouldnt-open_47834/</link>
      <description>Scary experience over the weekend.  My jaw locked on me.  &lt;br /&gt;
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Long story short I have had a history of clenching my teeth ALL the time.  I do it when I am sleeping, to the point I wake up with terrible pain.  I do it while I am working, I do it at home.  I do when I am stressed and...</description>
      <pubDate>Tue, 27 Jan 2009 08:47:40 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>January goal status</title>
      <link>http://clubneary.savingadvice.com/2009/01/23/january-goal-status_47712/</link>
      <description>I was eager to see how I did this month seeing as it was my first month with Mevelopes.  I am still getting the hang of using the program but I think in the long run it will be very beneficial.  I need all the help I can get staying on track and this does a great job of showing me...</description>
      <pubDate>Fri, 23 Jan 2009 14:31:34 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Grocery shopping</title>
      <link>http://clubneary.savingadvice.com/2009/01/21/grocery-shopping_47618/</link>
      <description>Went to Super Walmart last night to do some grocery shopping.  We had spent the long weekend out of town at my sister's house and came back to an empty fridge.  Needless to say we needed just about everything!  I also wanted to pick up some stuff for dinners this week.  With Emma so...</description>
      <pubDate>Wed, 21 Jan 2009 10:15:36 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Don't be fooled by titles</title>
      <link>http://clubneary.savingadvice.com/2009/01/07/dont-be-fooled-by-titles_47059/</link>
      <description>In order to meet my goal of going to the gym at least twice a week I went last night right from work.  I decided I am going to give the classes they offer another shot and see if I can find one I really like and therefore stick with it.&lt;br /&gt;
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Last nights class was EZ Rider.  Please don't...</description>
      <pubDate>Wed, 07 Jan 2009 09:29:13 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>1/5/09</title>
      <link>http://clubneary.savingadvice.com/2009/01/05/1509_46949/</link>
      <description>My replacement ATM card came in the mail on Friday.  Saturday I got my new PIN.  I have used it once to take $20 out of my checking account to use as spending money for the week.  I am going to try to trick myself into thinking it is still lost.&lt;br /&gt;
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I am using Mevelopes for the first...</description>
      <pubDate>Mon, 05 Jan 2009 11:09:33 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>My missing ATM/Debit card</title>
      <link>http://clubneary.savingadvice.com/2008/12/30/my-missing-atmdebit-card_46667/</link>
      <description>I have misplaced my ATM/Debit card.  Most people would think this was a bad thing.  I however do not.&lt;br /&gt;
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I went to the bank yesterday to report it lost and to order a new one.  No one has used the card since I last used it last Sunday.  This is excellent news.  If someone has found...</description>
      <pubDate>Tue, 30 Dec 2008 11:07:04 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Budget software</title>
      <link>http://clubneary.savingadvice.com/2008/12/18/budget-software_46295/</link>
      <description>I am considering purchasing some budget software.&lt;br /&gt;
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The Mint thing didn't work out for me.  As much as I like the idea of it all being on line it was reliable at all.  My transactions wouldn't download and half the time my accounts couldn't connect.  Not worth the aggravation.&lt;br /&gt;
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So,...</description>
      <pubDate>Thu, 18 Dec 2008 14:27:55 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Today's to do list</title>
      <link>http://clubneary.savingadvice.com/2008/12/16/todays-to-do-list_46199/</link>
      <description>Well, I am feeling the stress of the holidays.  I can't really blame it on anything but my amazing ability to procrastinate.  Not that I am proud of this talent at all but somewhat like my finances I know what I should be doing but am having a hard time doing it. &lt;br /&gt;
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I have called...</description>
      <pubDate>Tue, 16 Dec 2008 05:12:05 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Is it payday yet?</title>
      <link>http://clubneary.savingadvice.com/2008/12/09/is-it-payday-yet_45961/</link>
      <description>I am so broke!!!!  I think it is a combination of getting paid on the Wednesday prior to Thanksgiving vs the Friday after and Christmas shopping.  I do have about $90 to last me until Friday.  It seems like enough but it makes me nervous.&lt;br /&gt;
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I have to get gas for my car-I think that...</description>
      <pubDate>Tue, 09 Dec 2008 13:10:59 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>How many presents does Santa bring to your house?</title>
      <link>http://clubneary.savingadvice.com/2008/12/08/how-many-presents-does-santa-bring-to-yo_45919/</link>
      <description>Since this is really the first year I am trying to scale down on Christmas presents for the kids I am worried I don't have enough.&lt;br /&gt;
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How many presents does Santa usually bring to your houses?&lt;br /&gt;
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Between the presents from Santa, presents from us, and stocking stuffers I have 10 things...</description>
      <pubDate>Mon, 08 Dec 2008 11:21:31 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>The weekend</title>
      <link>http://clubneary.savingadvice.com/2008/12/05/the-weekend_45804/</link>
      <description>I am so looking forward to the weekend.  We really don't have a lot of plans so if I am able to stay motivated I will be able to get some things accomplished around the house.&lt;br /&gt;
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What I really need to do is look at the Christmas presents I have for the kids and see what else, if anything,...</description>
      <pubDate>Fri, 05 Dec 2008 11:27:59 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>BIL is free to stay at a hotel, but he isn't.</title>
      <link>http://clubneary.savingadvice.com/2008/11/26/bil-is-free-to-stay-at-a-hotel-but-he-is_45499/</link>
      <description>I spoke to my sister last night and told her that if her husband wanted to stay in a hotel that would be fine with us and we wouldn't be offended.  She said he would be fine at the house and that she didn't want to spend the money on a hotel for him.  So, it looks like they are all...</description>
      <pubDate>Wed, 26 Nov 2008 06:08:58 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>I love my sister.  Brother in law-not so much</title>
      <link>http://clubneary.savingadvice.com/2008/11/25/i-love-my-sister-brother-in-law-not-so-m_45476/</link>
      <description>Every year my sister and I alternate where we will be spending Thanksgiving.  Since my parents passed away we have been doing this and it works out great.  We haven't missed a Thanksgiving yet.  She and her family are coming to my house tomorrow.  It is about a 5 hour trip my car....</description>
      <pubDate>Tue, 25 Nov 2008 11:08:15 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Saved 35% on grocery bill</title>
      <link>http://clubneary.savingadvice.com/2008/11/24/saved-35-on-grocery-bill_45449/</link>
      <description>which I think is pretty good.  I got everything for Thanksgiving dinner and stuff for dinner and lunches since my sister and her family will be here from Wednesday-Saturday.  &lt;br /&gt;
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I saved $43.73 using my Bonus card and $11.70 using coupons and bottle returns.  I got a 16lb turkey for...</description>
      <pubDate>Mon, 24 Nov 2008 15:19:04 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>Disappointed with humanity</title>
      <link>http://clubneary.savingadvice.com/2008/11/22/disappointed-with-humanity_45385/</link>
      <description>So, I have a long laundry list of goals to accomplish today and I woke up ready to take charge and get them done.&lt;br /&gt;
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Woke up around 8:30 and steam cleaned all 3 carpets in the house.  They look pretty darn good.  I won't bother telling you how nasty the water was that I emptied after...</description>
      <pubDate>Sat, 22 Nov 2008 12:58:17 PST</pubDate>
	  <author> (clubneary)</author>
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      <title>The newest member of our family</title>
      <link>http://clubneary.savingadvice.com/2008/11/20/the-newest-member-of-our-family_45327/</link>
      <description>&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=clubneary&amp;id=4868&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=clubneary&amp;id=4868&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
This is Reilly.  Former name was Jade.  We adopted her about 3 weeks ago from someone who had rescued her from a neglectful family.  The rescuer couldn't keep her due to allergies so we agreed to take her in.  She is a 4 year old black lab.  She came to use crate trained and with...</description>
      <pubDate>Thu, 20 Nov 2008 12:50:07 PST</pubDate>
	  <author> (clubneary)</author>
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