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    <pubDate>Sun, 15 Mar 2009 02:25:59 UT</pubDate>
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    <title>Frugal Ethics - When Frugal Becomes Just Plain Cheap</title>
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There are times when it&apos;s tempting to lie, steal or break one of the other 10 Commandments to get a good deal but, in living frugally, we all need to stick to being honest. This is not always easy to do, but I want to give some examples that may help you stay honest. Here are some common tactics that some people use that are unethical and sometimes illegal:
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    <pubDate>Thu, 07 Sep 2006 18:00:00 UT</pubDate>
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        Family Finances
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    <dc:creator>Tawra Kellam</dc:creator>

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    <title>Cut Your Monthly Bills in Half</title>
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Every month you sit down to pay the bills and every month you wonder how in the world you’re spending so much. This is a common scenario for most families. The good news is there are a few things you can do to cut your monthly bills down to a more managable level.
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    <pubDate>Fri, 25 Aug 2006 18:00:00 UT</pubDate>
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    <title>Living on one income Part 1 - Setting a Clear Budget</title>
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There are lots of reasons why families have to live on one income, a new baby, single parent, husband loses his job or simply because one of you wants to be a stay at home parent and spend more time with your children. Whatever your situation is, living on one income can mean it’s time to cut back, or it can mean that now is the opportunity to slice your spending in half by making a few clever budget changes.
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    <pubDate>Thu, 10 Aug 2006 18:00:00 UT</pubDate>
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    <title>Living on one income Part 2 - How to Save Money and Make it Work</title>
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In part one we talked about how to set your budget of monthly expenses. Now It’s time to reduce those costs.
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    <pubDate>Thu, 10 Aug 2006 18:00:00 UT</pubDate>
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