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	<title>Comments on: 10 Tips to change a small money habit</title>
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	<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/</link>
	<description>helping canadians be savvy, informed and thoughtful about their money</description>
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		<title>By: nancy</title>
		<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/comment-page-1/#comment-8846</link>
		<dc:creator>nancy</dc:creator>
		<pubDate>Sun, 21 Sep 2008 05:37:35 +0000</pubDate>
		<guid isPermaLink="false">http://nancyzimmerman.com/2008/09/18/10-tips-to-change-a-small-money-habit/#comment-8846</guid>
		<description>@Peter Hey, it&#039;s been a while!  Tx for dropping by.  Rumour has it that I&#039;m on the 6pm news this Monday.  Of course, I&#039;ll be all self-conscious watching it ...
@E  Hey, do you want a job?  :)  Really good points.  And I esp. agree about the nature-abhors-a-vacuum.
@Jonathan  Tx for the inspiration :)
@Stephen  Your comments are like @E - you&#039;ve filled the vacuum, in a good way.  You gave me an idea - I think I&#039;m going to write a post of great places to find streaming music.  Any fave&#039;s I should include?
@Ruth  Is it my imagination, or is this the first time you&#039;ve posted on my blog?  Or even any blog?  A very warm welcome, and I&#039;m really glad if some of the tips were helpful.   Should we start caffeine anonymous?</description>
		<content:encoded><![CDATA[<p>@Peter Hey, it&#8217;s been a while!  Tx for dropping by.  Rumour has it that I&#8217;m on the 6pm news this Monday.  Of course, I&#8217;ll be all self-conscious watching it &#8230;<br />
@E  Hey, do you want a job?  <img src='http://nancyzimmerman.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />   Really good points.  And I esp. agree about the nature-abhors-a-vacuum.<br />
@Jonathan  Tx for the inspiration <img src='http://nancyzimmerman.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br />
@Stephen  Your comments are like @E &#8211; you&#8217;ve filled the vacuum, in a good way.  You gave me an idea &#8211; I think I&#8217;m going to write a post of great places to find streaming music.  Any fave&#8217;s I should include?<br />
@Ruth  Is it my imagination, or is this the first time you&#8217;ve posted on my blog?  Or even any blog?  A very warm welcome, and I&#8217;m really glad if some of the tips were helpful.   Should we start caffeine anonymous?</p>
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		<title>By: Ruth</title>
		<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/comment-page-1/#comment-8833</link>
		<dc:creator>Ruth</dc:creator>
		<pubDate>Sat, 20 Sep 2008 04:03:00 +0000</pubDate>
		<guid isPermaLink="false">http://nancyzimmerman.com/2008/09/18/10-tips-to-change-a-small-money-habit/#comment-8833</guid>
		<description>Hey Nancy
This is so great.  It was exactly what I needed to hear today, as this is exactly what I was pondering today and beating myself up over.  I am the ultimate financial black hole at times (my coffee habit alone!!!) and it is the little things that make or break the bank balance.  So thank you I feel more positive about making my changes!!
Ruth</description>
		<content:encoded><![CDATA[<p>Hey Nancy<br />
This is so great.  It was exactly what I needed to hear today, as this is exactly what I was pondering today and beating myself up over.  I am the ultimate financial black hole at times (my coffee habit alone!!!) and it is the little things that make or break the bank balance.  So thank you I feel more positive about making my changes!!<br />
Ruth</p>
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		<title>By: Stephen Rees</title>
		<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/comment-page-1/#comment-8828</link>
		<dc:creator>Stephen Rees</dc:creator>
		<pubDate>Fri, 19 Sep 2008 23:09:19 +0000</pubDate>
		<guid isPermaLink="false">http://nancyzimmerman.com/2008/09/18/10-tips-to-change-a-small-money-habit/#comment-8828</guid>
		<description>To get out of the house and not go shopping have places that you like to visit - a park maybe or a walk along the dyke. Take a bike ride. Or if you need a reason to get out of the house pick up your digital camera - it costs almost nothing to use and can be very rewarding if you share your pictures on free web sites like flickr. 

Use the library instead of the bookstore.

Download or stream free music instead of buying CDs

Make stuff - even if it is just cooking from scratch the sense of achievement is worth it - and it is a lot cheaper than take out</description>
		<content:encoded><![CDATA[<p>To get out of the house and not go shopping have places that you like to visit &#8211; a park maybe or a walk along the dyke. Take a bike ride. Or if you need a reason to get out of the house pick up your digital camera &#8211; it costs almost nothing to use and can be very rewarding if you share your pictures on free web sites like flickr. </p>
<p>Use the library instead of the bookstore.</p>
<p>Download or stream free music instead of buying CDs</p>
<p>Make stuff &#8211; even if it is just cooking from scratch the sense of achievement is worth it &#8211; and it is a lot cheaper than take out</p>
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		<title>By: Jonathan Mead</title>
		<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/comment-page-1/#comment-8827</link>
		<dc:creator>Jonathan Mead</dc:creator>
		<pubDate>Fri, 19 Sep 2008 20:44:21 +0000</pubDate>
		<guid isPermaLink="false">http://nancyzimmerman.com/2008/09/18/10-tips-to-change-a-small-money-habit/#comment-8827</guid>
		<description>This is awesome Nancy. It&#039;s so cool to see ideas like this adapted to other parts of life.
Kudos to you. =)</description>
		<content:encoded><![CDATA[<p>This is awesome Nancy. It&#8217;s so cool to see ideas like this adapted to other parts of life.<br />
Kudos to you. =)</p>
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		<title>By: Canadian Personal Finance Blog &#187; Blog Archive &#187; Indicators are OK</title>
		<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/comment-page-1/#comment-8769</link>
		<dc:creator>Canadian Personal Finance Blog &#187; Blog Archive &#187; Indicators are OK</dc:creator>
		<pubDate>Fri, 19 Sep 2008 10:06:39 +0000</pubDate>
		<guid isPermaLink="false">http://nancyzimmerman.com/2008/09/18/10-tips-to-change-a-small-money-habit/#comment-8769</guid>
		<description>[...] Zimmerman writes about 10 tips to change a small money habit, where she discusses how to stop buying lunch out (micro economics at it&#8217;s [...]</description>
		<content:encoded><![CDATA[<p>[...] Zimmerman writes about 10 tips to change a small money habit, where she discusses how to stop buying lunch out (micro economics at it&#8217;s [...]</p>
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		<title>By: E</title>
		<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/comment-page-1/#comment-8766</link>
		<dc:creator>E</dc:creator>
		<pubDate>Fri, 19 Sep 2008 05:24:34 +0000</pubDate>
		<guid isPermaLink="false">http://nancyzimmerman.com/2008/09/18/10-tips-to-change-a-small-money-habit/#comment-8766</guid>
		<description>There are a few rules I try to use, which basically stems from Tip #9.

So might I propose:
9a. Don&#039;t buy additional storage unless you literally have 4 walls. Nature abhors a vacuum. If you have space for storage, you will buy things to fill it.
9b. I have enough stuff. If I buy something that I already have (e.g. more work clothing, kitchenware, appliances, etc) it is to replace something which has outlived its life or style. I will donate/recycle/get rid of it.
9c. Recognize that there is no need for the newest (ever) or even new (usually). End of season or last season&#039;s stuff is always cheaper. Used stuff is even cheaper, and it&#039;s not hard to find it in good condition. It&#039;s re-using, which is environmentally friendly.</description>
		<content:encoded><![CDATA[<p>There are a few rules I try to use, which basically stems from Tip #9.</p>
<p>So might I propose:<br />
9a. Don&#8217;t buy additional storage unless you literally have 4 walls. Nature abhors a vacuum. If you have space for storage, you will buy things to fill it.<br />
9b. I have enough stuff. If I buy something that I already have (e.g. more work clothing, kitchenware, appliances, etc) it is to replace something which has outlived its life or style. I will donate/recycle/get rid of it.<br />
9c. Recognize that there is no need for the newest (ever) or even new (usually). End of season or last season&#8217;s stuff is always cheaper. Used stuff is even cheaper, and it&#8217;s not hard to find it in good condition. It&#8217;s re-using, which is environmentally friendly.</p>
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		<title>By: Peter</title>
		<link>http://nancyzimmerman.com/2008/09/10-tips-to-change-a-small-money-habit/comment-page-1/#comment-8765</link>
		<dc:creator>Peter</dc:creator>
		<pubDate>Fri, 19 Sep 2008 05:10:18 +0000</pubDate>
		<guid isPermaLink="false">http://nancyzimmerman.com/2008/09/18/10-tips-to-change-a-small-money-habit/#comment-8765</guid>
		<description>I was watching the noon hour news today to see whether you would make an appearance :P  So... Monday it is!</description>
		<content:encoded><![CDATA[<p>I was watching the noon hour news today to see whether you would make an appearance <img src='http://nancyzimmerman.com/wp-includes/images/smilies/icon_razz.gif' alt=':P' class='wp-smiley' />   So&#8230; Monday it is!</p>
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