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    <title>Laceshawl's Personal Finance Blog</title>
    <link>http://laceshawl.savingadvice.com</link>
    <description>Saving to become Financially Independent</description>
	<webMaster>info@savingadvice.com</webMaster>
	<managingEditor>Tina</managingEditor>
    <language>en-us</language>
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      <title>The single pay more</title>
      <link>http://laceshawl.savingadvice.com/2009/11/17/the-single-pay-more_55179/</link>
      <description>The greengrocers on the corner has a good deal, 4 avocadoes for nz$2. Alas I cannot eat 4 whole avocado all by my little self so I must pay .59 cnets for a single one. If I buy one a week that adds up to an extra $4.68 a year. I protest! &lt;br /&gt;
&lt;br /&gt;
Seriously ,There are all manner of politicians...</description>
      <pubDate>Tue, 17 Nov 2009 16:08:36 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
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      <title>Blessed are you</title>
      <link>http://laceshawl.savingadvice.com/2009/11/14/blessed-are-you_55108/</link>
      <description>if you feed the hungry. At this morning's service we had an infant dedication followed by morning tea with andwiches and all manner of goodies. Then this evening we had a baptism followed by supper with samosas, savories and all manner of goodies. I didn't need to cook at all today....</description>
      <pubDate>Sat, 14 Nov 2009 23:36:24 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
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      <title>Black Friday</title>
      <link>http://laceshawl.savingadvice.com/2009/11/13/black-friday_55091/</link>
      <description>today the 13th was a lucky day for me. I found .30 cents.</description>
      <pubDate>Fri, 13 Nov 2009 19:45:49 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
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      <title>A Novel idea</title>
      <link>http://laceshawl.savingadvice.com/2009/11/11/a-novel-idea_55017/</link>
      <description>No I wasn't sick tese last couple of weeks, but I've decided my life is too boring. So I signed up for &lt;a href=&quot;http://nanowrimo.org&quot; target=&quot;_blank&quot;&gt;nanowrimo.org&lt;/a&gt; and decided to write a novel. It might even make me some money if it was good enough.&lt;br /&gt;
&lt;br /&gt;
well, 22,000 words into the thing and i'm suffering major writers block and...</description>
      <pubDate>Wed, 11 Nov 2009 11:28:54 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
    <item>
      <title>Cheap</title>
      <link>http://laceshawl.savingadvice.com/2009/10/26/cheap_54599/</link>
      <description>I really don't think nz$5 is all that expensive for a knitting pattern because you can use it any number of times, or resell it on trademe. But people grumble about the price.&lt;br /&gt;
&lt;br /&gt;
This afternoon a customer asked me if they could take away a pattern and photocopy it!! When I got over...</description>
      <pubDate>Mon, 26 Oct 2009 22:43:45 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
    <item>
      <title>Because</title>
      <link>http://laceshawl.savingadvice.com/2009/10/11/because_54246/</link>
      <description>Reasons to be Financially Independent no 53&lt;br /&gt;
&lt;br /&gt;
So you don't have to take a day off work when the repairman is coming.</description>
      <pubDate>Sun, 11 Oct 2009 11:39:22 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>In the black</title>
      <link>http://laceshawl.savingadvice.com/2009/10/05/in-the-black_54084/</link>
      <description>The Red Cross shop had a dollar a bag sale. I didn't need much, but I got two pairs of black pants, because you can never have too many pairs of black work pants.</description>
      <pubDate>Mon, 05 Oct 2009 00:13:11 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
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      <title>And the fight is on...</title>
      <link>http://laceshawl.savingadvice.com/2009/09/30/and-the-fight-is-on_53981/</link>
      <description>this, folks, has turned into a no hold barred pro wrestling match. In the black corner is tina, ably seconded by her Efund. In the red corner, the villain of the piece, Murphy.&lt;br /&gt;
&lt;br /&gt;
And Murphy has just attempted a low blow. After knocking out tina's tooth last week, he proceeded to infect...</description>
      <pubDate>Wed, 30 Sep 2009 19:29:21 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>Three strikes by Murphy</title>
      <link>http://laceshawl.savingadvice.com/2009/09/26/three-strikes-by-murphy_53882/</link>
      <description>Well, it's been a disaster of a weekend. In the last 48 hours the washing machine stopped functioning (I'm guessing a blocked pump); then an element on the stove top stopped functioning ( as it is a very old stove I'm expecting to be told it's not repairable so will have to buy a new...</description>
      <pubDate>Sat, 26 Sep 2009 20:51:34 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>No more cash</title>
      <link>http://laceshawl.savingadvice.com/2009/09/25/no-more-cash_53860/</link>
      <description>I was working in the shop this afternoon. It's interesting that most people chose to make even small purchases with thier debit card. I guess they just don't carry cash any more. I only made $47 in cash sales, all the rest was electronic transfer of funds. Wonder if they'll do away...</description>
      <pubDate>Fri, 25 Sep 2009 21:03:57 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>Broke</title>
      <link>http://laceshawl.savingadvice.com/2009/09/21/broke_53759/</link>
      <description>my tooth. Goshdarn grit in an apple. Because I have previously had a root canal on that particular tooth there was no pain, but it was past saving. The dentist neatly extracted it, along with nz$245 from my savings account. This, she says with a gap toothed smile, is what emergency savings are for.</description>
      <pubDate>Mon, 21 Sep 2009 23:58:41 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>Missed out.</title>
      <link>http://laceshawl.savingadvice.com/2009/09/18/missed-out_53685/</link>
      <description>As I was waiting for the bus I noticed a 20 cent coin on the street. I waited for a gap in the traffic so I could go over and pick it up, but no traffic gap before my bus came, so I had to leave it. Sob! I want my free money!</description>
      <pubDate>Fri, 18 Sep 2009 20:53:24 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>Sunshine on my shoulder</title>
      <link>http://laceshawl.savingadvice.com/2009/09/10/sunshine-on-my-shoulder_53538/</link>
      <description>Today was a good day for saving money. I hung the laundry out on the line, opened all the windows to let the natural air conditioning thru, enjoyed some free vitamin D on my skin and thanked God he doesn't charge us for universal power.</description>
      <pubDate>Thu, 10 Sep 2009 19:42:10 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>I threw away 99 cents!</title>
      <link>http://laceshawl.savingadvice.com/2009/09/09/i-threw-away-99-cents_53513/</link>
      <description>I often pick up fruit and veges at a little Asian store not far from me. They are cheap but you have to use them quickly as they sell them near their best by date.&lt;br /&gt;
&lt;br /&gt;
I had some pumpkin in the fridge I was meaning to get round to using. I delayed too long and it turned all soft and...</description>
      <pubDate>Wed, 09 Sep 2009 19:57:56 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
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      <title>Cure</title>
      <link>http://laceshawl.savingadvice.com/2009/09/07/cure_53451/</link>
      <description>Thankfully it was only a 24 hour bug, so I'm back on my feet again. I am eating some chocolate which is a cure for all human ailments of body, mind and soul.</description>
      <pubDate>Mon, 07 Sep 2009 00:28:10 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>Sick</title>
      <link>http://laceshawl.savingadvice.com/2009/09/05/sick_53425/</link>
      <description>Ugh, I'm coming down with a nasty bug; runny nose, sore eyes, upset tummy and aching joints. I got some Vitamin C and if I'm not better tomorrow I'll go to the dr.</description>
      <pubDate>Sat, 05 Sep 2009 22:24:05 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
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      <title>Spring fever</title>
      <link>http://laceshawl.savingadvice.com/2009/09/05/spring-fever_53411/</link>
      <description>Now's the time of year when I normally go into whirling dervish mode, pulling contents out of cupboards, cleaning them and then often as not, donating them all to the Sally Army, only to buy a fresh load of stuff to fill up the spaces. The sight of all the new stuff in the shops makes...</description>
      <pubDate>Sat, 05 Sep 2009 01:10:36 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
    </item>
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      <title>Spring</title>
      <link>http://laceshawl.savingadvice.com/2009/09/04/spring_53394/</link>
      <description>The weather has been so warm the last few days I didn't need to have the heater on. Yay for  coming summer and lower power bills.</description>
      <pubDate>Fri, 04 Sep 2009 00:22:08 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>1K purchases</title>
      <link>http://laceshawl.savingadvice.com/2009/09/02/1k-purchases_53366/</link>
      <description>If I go back 20 years, new roof on house, nz$3,600 and first ever computer nz$1400. Since then various house repairs, replacing hot water cylinder and kitchen floorboards, and most recently putting in the heat pump. All in all, necessary purchases. The only other thing I spent $3000...</description>
      <pubDate>Wed, 02 Sep 2009 23:43:04 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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      <title>Essential gift</title>
      <link>http://laceshawl.savingadvice.com/2009/09/01/essential-gift_53343/</link>
      <description>Yes I'm on a bare bones budget this month, but I'm not so hard up I can't afford to post a pair of handknitted sox to my dad. nz$4.50 I could have written a poem and paid just .50 cents postage, but he has dementia and I think he will appreciate the sox.</description>
      <pubDate>Tue, 01 Sep 2009 23:57:17 PST</pubDate>
	  <author>redleg21@xtra.co.nz (Tina)</author>
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