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	<title>The Frugal Beagle &#187; frugal</title>
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	<link>http://www.frugalbeagle.com</link>
	<description>Learn frugal tips for free</description>
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		<title>How To Save On Your Car</title>
		<link>http://www.frugalbeagle.com/how-to-save-on-your-car/</link>
		<comments>http://www.frugalbeagle.com/how-to-save-on-your-car/#comments</comments>
		<pubDate>Tue, 10 Aug 2010 04:50:50 +0000</pubDate>
		<dc:creator>Mr. Beagle</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[cars]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[frugal]]></category>

		<guid isPermaLink="false">http://www.frugalbeagle.com/?p=39</guid>
		<description><![CDATA[Owning a car represents one of the biggest investments a person makes. Next to a house, owning a car is probably the next biggest investment. Not unlike maintaining a house, car maintenance can be quite costly. However, there are ways and means to help you reduce on your expenses in maintaining a car. • Treat [...]]]></description>
			<content:encoded><![CDATA[<p>Owning a car represents one of the biggest investments a person makes. Next to a house, owning a car is probably the next biggest investment. Not unlike maintaining a house, car maintenance can be quite costly. However, there are ways and means to help you reduce on your expenses in maintaining a car.</p>
<p>•	Treat your passengers and your car delicately. Accelerate softly and don’t act like you&#8217;re in a Grand Prix start line at each traffic light. Gently accelerating, cornering and braking will lower fuel consumption and stretch the life of tires, engine and brakes components.</p>
<p>•	Be sure that you use the most efficient gear. Keeping the RPMs low will reduce the fuel consumption. Don&#8217;t cruise in fourth gear on the highway if your car has fifth gear.</p>
<p>•	Unload heavy items if you don&#8217;t need to carry them around. The heavier the vehicle the more fuel will be required to overcome its inertia during an acceleration</p>
<p>•	If you&#8217;re stuck at a railway crossing or in a traffic jam for more than two or three minutes, turn off the car.</p>
<p>•	Keeping the car well maintained may make it more efficient and generating fewer harmful emissions.</p>
<p>•	If the car doesn&#8217;t run on unleaded gas you should have it converted. It&#8217;s worthwhile to do the conversion because unleaded gas is considerably cheaper than leaded gas, you&#8217;ll save money and reducing harmful emissions as well.</p>
<p>•	Drive at the most efficient speed especially on highways. You use 25% less fuel driving at 55mph than when you drive at 75mph.</p>
<p>•	Keep the tires at the perfect pressure: if your tires are under-inflated by 6psi, you could be wasting 5% of your fuel.</p>
<p>•	Remove the roofrack, if you don&#8217;t need it, as it makes your car less aerodynamic and you&#8217;ll use more fuel.</p>
<p>•	An improperly adjusted carburetor contributes to huge fuel inefficiency. Another reason for keeping the car well maintained is that it would be less likely to fail and leave you stranded.  Though you&#8217;ll never know when the car will break down, it might cost you a good deal of time and money.</p>
<p>•	Call the nearest garages before choosing which one to use. Big dealer garages frequently charge much more than smaller local garages</p>
<p>•	Make sure to ask the garage to contact you before performing any serious and expensive repair works that you haven&#8217;t instructed them to do. It&#8217;s easier to negotiate the price before the task is started than after it is finished.</p>
<p>•	If you believe that the garage hasn&#8217;t fixed a few things, take the car back and if necessary watch your car being repaired even if you don&#8217;t actually understand it.</p>
<p>•	If, you think the bill is too high, ask them for more details. It is always a great idea to get an estimate before starting the work, even for trivial jobs.</p>
<p>Car servicing costs mostly consist of parts and labor. The labor charge is usually fixed, whilst the parts may vary in price depend on whether they&#8217;re ‘genuine’ (made by your car manufacturer), or made by third-party companies.</p>
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		<title>How To Keep Your Children Entertained Cheaply?</title>
		<link>http://www.frugalbeagle.com/keep-children-entertained-cheaply/</link>
		<comments>http://www.frugalbeagle.com/keep-children-entertained-cheaply/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 07:07:24 +0000</pubDate>
		<dc:creator>Mr. Beagle</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[cheap]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[entertainment]]></category>
		<category><![CDATA[frugal]]></category>

		<guid isPermaLink="false">http://www.frugalbeagle.com/?p=32</guid>
		<description><![CDATA[We have all heard stories of how children of the bygone days only had a stick and a hoop to play with, and if those kids were lucky they might get a lump of coal or a bag of marbles. That was a far cry from how 21st century children can get their sophisticated toys. [...]]]></description>
			<content:encoded><![CDATA[<p>We have all heard stories of how children of the bygone days only had a stick and a hoop to play with, and if those kids were lucky they might get a lump of coal or a bag of marbles. That was a far cry from how 21st century children can get their sophisticated toys.</p>
<p>One of the common problems is that many popular toys are derived from television or films programs. Whatever might be fashionable for one month could be old-fashioned the next when a new action figure arrives. A popular television series or cartoon might be accompanied by a wide range of merchandises such as clothes, stickers, books, or even snacks.</p>
<p>Children display an extraordinary degree of tenacity when it comes to asking parents buy these products. It&#8217;s all very well for those who can afford to indulge their children with expensive things; but for parents with a limited budget or even for middle class family, it may not always possible to buy all the latest toys. Trying to teach your kids about managing money and instilling a sense of control is an important part of being a good parent. Kids need to learn that they can&#8217;t have everything they want without putting an adequate amount of effort first, although explaining this to your child may not be easy.  Keeping a child entertained doesn&#8217;t have to be expensive. We may laugh at memories of how children were laugh in the past, but maybe we often forgot how it incurs a great expense. Many of the old games and pastimes have been forgotten in a haze of computers, consoles and television. Just remember that game consoles have only been around for less than two decades. People might reason that keeping children entertained has always been costly, but at least technology seems to fall in cost as it improves in quality. Further, there are many excellent multimedia educational packages available today which will become cheaper as time goes on. Parents who are not familiar with latest electronic devices, have some alternatives to keep their children amused. These are a few examples:</p>
<p>•	Dressing up box for dolls, All families should have a dressing up box.  It contains tiny outfits for soldiers, Indians, nurses, and cowboys. Children, especially girls, love putting on adult clothes on little dolls, especially dress, wigs and hats.</p>
<p>•	Papier mâché, All you need is paper, water, flour and a little glue. You can shape many things you want, which then can be painted.</p>
<p>•	Face paints, These are often available from toy shops or joke shops. Children may spend hours painting their bodies and faces, and they&#8217;ll find it even more entertaining if you allow them paint yours.</p>
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		<title>How To Avoid Impulse Buying</title>
		<link>http://www.frugalbeagle.com/how-to-avoid-impulse-buying/</link>
		<comments>http://www.frugalbeagle.com/how-to-avoid-impulse-buying/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 09:49:36 +0000</pubDate>
		<dc:creator>Mr. Beagle</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[frugal]]></category>
		<category><![CDATA[frugal tips]]></category>
		<category><![CDATA[impulse buying]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.frugalbeagle.com/?p=26</guid>
		<description><![CDATA[Just look at things that you buy on a supermarket, at least a third is likely unplanned and inessentials. • Impulse items aren’t just candy, magazines, and sodas in the checkout aisles. Supermarket designers are smarter than that. They place complementary items tightly on a shelf; need a huge glass of hot chocolate to go [...]]]></description>
			<content:encoded><![CDATA[<p>Just look at things that you buy on a supermarket, at least a third is likely unplanned and inessentials.<br />
•	Impulse items aren’t just candy, magazines, and sodas in the checkout aisles. Supermarket designers are smarter than that. They place complementary items tightly on a shelf; need a huge glass of hot chocolate to go with those marshmallows? A cup of coffee to go with your biscotti? Watch out for other temptations within the aisles as well.</p>
<p>•	Bring a limited amount of cash. Bring only the amount you want to spend. People are likely to spend up to twice as much, if they carry a credit card. Try to avoid the dangerous urge to spend more and you should go for the cash-only strategy. It is a good idea for those who always find it hard sticking to a list. Bringing just enough cash with you will help to discern the difference between needs and wants.</p>
<p>•	Sort items in your cart. Place all unplanned items into the front part of the cart. When you&#8217;re about to pay, check for the items in your cart and consider whether you should return them. If they’re inessential consider putting them back.</p>
<p>•	Have them delivered. If impulse purchases are a huge problem, try the delivery and pickup service if available. Do this for two or three times and compare your overall expenses. Make sure the saved money more than compensate the delivery charges.</p>
<p>•	Don&#8217;t shop on an empty stomach. Everything looks tasty when you’re starved, making impulse purchases difficult to resist. A good time for shopping is right after a full meal. Keep a couple of granola bars in the car to ward off hunger if you haven’t had time to get a proper meal before shopping.</p>
<p>•	Don&#8217;t use the cart. Opt for a basket, if you only need to buy a few items. Less space means less room to put unnecessary items and to just get what you need. With less weight, you can walk faster and get out of the supermarket quicker.</p>
<p>•	Don&#8217;t be tempted when waiting in line. It is no accident that many impulse items are positioned close to the checkout lanes, where people tend to wait in line. As the result these things are slightly more expensive. To avoid being tempted, try to focus your attention elsewhere. Use your time to text a friend, work on a to-do list, update your Facebook wallpost, organize your coupons, whatever.</p>
<p>•	Find exciting hobbies. For some people, shopping is a pleasurable activity, to the point where it is considered a hobby. They visit supermarkets every three of four days for “just browsing.” If this describes you, direct your love of shopping into something cheaper or even profitable (such as, planting vegetables and fruits).</p>
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