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    <title>Cercis' Journal</title>
    <link>http://cercis.savingadvice.com</link>
    <description>Living the Frugal Good Life</description>
	<webMaster>webmaster@savingadvice.com</webMaster>
	<managingEditor>Cercis</managingEditor>
    <language>en-us</language>
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      <title>Tax Time</title>
      <link>http://cercis.savingadvice.com/2006/04/11/tax-time_7241/</link>
      <description>Am I the only one who does taxes at more than one place?&lt;br /&gt;
&lt;br /&gt;
I did 2 free online programs.  It always amazes me how I can enter the same information and come up with 2 different numbers.  Not largely different, but different none-the-less.&lt;br /&gt;
&lt;br /&gt;
</description>
      <pubDate>Tue, 11 Apr 2006 22:39:08 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>OUCH!! Gas</title>
      <link>http://cercis.savingadvice.com/2006/04/11/ouch-gas_7239/</link>
      <description>$2.679 for regular.  Just yesterday it was $2.599.  I didn't get it yesterday because I thought I didn't have time.  That will teach me.&lt;br /&gt;
&lt;br /&gt;
Almost $30 for less than 11 gallons.  I'm glad I don't drive much.  My car is only getting about 22mpg because it's all city driving.  The fastest...</description>
      <pubDate>Tue, 11 Apr 2006 21:15:53 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Science fair update</title>
      <link>http://cercis.savingadvice.com/2006/04/10/science-fair-update_7204/</link>
      <description>We finished the volcano.  The only thing we bought was spraypaint.&lt;br /&gt;
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&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=cercis&amp;id=80&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=cercis&amp;id=80&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
We made the base using a water bottle which had the top cut off.  Inserted a container which held single serving applesauce.  Built newspaper around it, taped that down and then papier-mache over the top of...</description>
      <pubDate>Mon, 10 Apr 2006 19:40:26 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Hee, hee</title>
      <link>http://cercis.savingadvice.com/2006/04/10/hee-hee_7203/</link>
      <description>Well, I called it.  He spent $35.&lt;br /&gt;
&lt;br /&gt;
On the good side - he bought the stuff we needed for my clothesline and actually strung it up.  AND he brought home chicken for supper.&lt;br /&gt;
&lt;br /&gt;
He also bought himself some underwear (needed because he's lost a lot of weight and has only about 4 pair...</description>
      <pubDate>Mon, 10 Apr 2006 19:33:26 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>So what will DH come home with today?</title>
      <link>http://cercis.savingadvice.com/2006/04/10/so-what-will-dh-come-home-with-today_7189/</link>
      <description>He's buying supplies to finish the science project - paint and posterboard.  He's also supposed to buy bananas.&lt;br /&gt;
&lt;br /&gt;
That's his list - should be less than $10 right?  We'll see what's in the bags.</description>
      <pubDate>Mon, 10 Apr 2006 15:32:06 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Frugal Science Fair</title>
      <link>http://cercis.savingadvice.com/2006/04/09/frugal-science-fair_7156/</link>
      <description>So last week we got notice that the science fair is this Tuesday!!&lt;br /&gt;
&lt;br /&gt;
Now, I knew there'd be a science fair so you'd think I could just start whenever and be prepared right?  No, the teacher has to approve the projects and she won't do that until the date is announced.&lt;br /&gt;
&lt;br /&gt;
This is one...</description>
      <pubDate>Sun, 09 Apr 2006 19:21:25 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>AAAAHHHH Scholastic Books</title>
      <link>http://cercis.savingadvice.com/2006/04/09/aaaahhhh-scholastic-books_7154/</link>
      <description>So we got an order form for my kindy kid.  I generally just throw these away, but this time I actually looked through it.&lt;br /&gt;
&lt;br /&gt;
I found a whole set of books we've been considering for about $1.50/book.  These are a minimum of $3/book in the bookstores.  You can't even find these used...</description>
      <pubDate>Sun, 09 Apr 2006 18:21:28 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Frugal garden containers</title>
      <link>http://cercis.savingadvice.com/2006/04/08/frugal-garden-containers_7136/</link>
      <description>Crown Tire planters:&lt;br /&gt;
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&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=cercis&amp;id=70&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=cercis&amp;id=70&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
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(image copyrighted and used by permission)&lt;br /&gt;
&lt;br /&gt;
Crown tire planters are nothing new.  People have been doing them since the 50s.  They are harder now with radial tires, but still possible.&lt;br /&gt;
&lt;br /&gt;
To start:&lt;br /&gt;
1) cut one wall of the tire into zigzags&lt;br /&gt;
&lt;br /&gt;
2) (this...</description>
      <pubDate>Sat, 08 Apr 2006 22:45:41 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Trike-a-thon, or Who Thought it Would Be a Good Idea for an Early Morning Event</title>
      <link>http://cercis.savingadvice.com/2006/04/08/trike-a-thon-or-who-thought-it-would-be-_7127/</link>
      <description>on a Saturday???&lt;br /&gt;
&lt;br /&gt;
This morning was trike-a-thon at 9am in the park that is a ways away.&lt;br /&gt;
&lt;br /&gt;
So, the alarm goes off at 7:30.  We get up, eat b'fast and send the kids to get dressed.  I get dressed, dh goes out to wrestle with the bike rack and the bikes.&lt;br /&gt;
&lt;br /&gt;
Of course, the tires need...</description>
      <pubDate>Sat, 08 Apr 2006 16:44:20 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Profit sharing plan at work</title>
      <link>http://cercis.savingadvice.com/2006/04/07/profit-sharing-plan-at-work_7102/</link>
      <description>So, they will pay 3% of my salary into the profit sharing plan whether I contribute at all.  I have to fully vest to take all their contributions with me, but that doesn't seem so bad.&lt;br /&gt;
&lt;br /&gt;
So now, I have to decide what I want to contribute.  It isn't entirely clear to me if my contribution...</description>
      <pubDate>Fri, 07 Apr 2006 21:19:40 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Free soda</title>
      <link>http://cercis.savingadvice.com/2006/04/07/free-soda_7101/</link>
      <description>One of our clients brought in 4 packs of soda.  It was a gift to the ladies who had helped him.  They never took it home and it's been three days.&lt;br /&gt;
&lt;br /&gt;
So today, I again got the shakes (our 10:30 clients came at 10:00 and I didn't get a snack until 11:30, I can't go that long without...</description>
      <pubDate>Fri, 07 Apr 2006 21:12:06 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Frugal Garden Art</title>
      <link>http://cercis.savingadvice.com/2006/04/06/frugal-garden-art_7061/</link>
      <description>&lt;a href=&quot;http://i23.photobucket.com/albums/b376/cercis/P6050114.jpg&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=cercis&amp;url=http%3A%2F%2Fi23.photobucket.com%2Falbums%2Fb376%2Fcercis%2FP6050114.jpg&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
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This image is copyrighted but is used by permission.&lt;br /&gt;
&lt;br /&gt;
Gazing globes are a big thing in gardens and have been for a few years.  Once, they were only metallic and reflective, but now you find them in handblown glass and all kinds of other nice colors.  The only problem with...</description>
      <pubDate>Thu, 06 Apr 2006 21:03:28 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Low Energy Day</title>
      <link>http://cercis.savingadvice.com/2006/04/06/low-energy-day_7056/</link>
      <description>Which sucks for work.  I've got sooo much on my plate right now and I was so tired I actually had the shakes.  I fought off going to the vending machine, though, so I'm proud of myself.&lt;br /&gt;
&lt;br /&gt;
I ended up falling asleep on the couch.  Good thing my kids are old enough to follow the rules...</description>
      <pubDate>Thu, 06 Apr 2006 19:38:16 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Digital Cameras</title>
      <link>http://cercis.savingadvice.com/2006/04/05/digital-cameras_7029/</link>
      <description>I've spent the last year and almost half thinking I lost our digital camera in the move (our old one).  I hadn't seen it, I mentioned it to DH once and he said he didn't know where it was, so I've been upset about it.&lt;br /&gt;
&lt;br /&gt;
Yeah, turns out he didn't know where it was *right then*.  He...</description>
      <pubDate>Wed, 05 Apr 2006 22:04:18 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Frugal Family Night</title>
      <link>http://cercis.savingadvice.com/2006/04/05/frugal-family-night_7024/</link>
      <description>Tonight was Jenga.  We were hoping for a quick game because we walked to the library after supper.&lt;br /&gt;
&lt;br /&gt;
It wasn't quick.  We got to 31 complete levels.  Even the 5yo did great!</description>
      <pubDate>Wed, 05 Apr 2006 19:54:27 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Walking to the Grocery Store</title>
      <link>http://cercis.savingadvice.com/2006/04/03/walking-to-the-grocery-store_6965/</link>
      <description>This is supposed to save us money.  If you walk 1) you use less gas and 2) you can't buy as much because you have to carry what you buy.&lt;br /&gt;
&lt;br /&gt;
Our first mistake was getting a cart rather than a hand basket.&lt;br /&gt;
&lt;br /&gt;
We needed milk, so dh bought 3 half gallons (we buy organic milk).  Then he...</description>
      <pubDate>Mon, 03 Apr 2006 21:22:19 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>One Year Anniversary</title>
      <link>http://cercis.savingadvice.com/2006/04/03/one-year-anniversary_6964/</link>
      <description>Tomorrow I've been at my job for one year.&lt;br /&gt;
&lt;br /&gt;
I've learned a lot in that year.  I had never written a will, a power of attorney, a medical power of attorney (didn't even know they were separate documents) and a directive to Physicians.  Last week I put togther an outline for my boss...</description>
      <pubDate>Mon, 03 Apr 2006 20:43:22 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Beach Sunday</title>
      <link>http://cercis.savingadvice.com/2006/04/03/beach-sunday_6956/</link>
      <description>&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=cercis&amp;id=63&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=cercis&amp;id=63&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
Yesterday was the first time we've gone to the beach since christmas.  Way too long.&lt;br /&gt;
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It's a not completely frugal day - we use about 3 gallons of gas - which is $8 right now.  PLUS, we have a fish place we love to stop to eat.  It isn't too expensive - about $25 for the 4...</description>
      <pubDate>Mon, 03 Apr 2006 13:23:59 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Minimum income required?</title>
      <link>http://cercis.savingadvice.com/2006/04/01/minimum-income-required_6913/</link>
      <description>On another board people were saying that it's very hard to have a nice life on $50k or less.&lt;br /&gt;
&lt;br /&gt;
The median household income in the US (median means that exactly half make less and half make more) is $44k.  So over half the households in the US are not living a nice life?&lt;br /&gt;
&lt;br /&gt;
I just...</description>
      <pubDate>Sat, 01 Apr 2006 21:50:26 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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      <title>Terri Schaivo</title>
      <link>http://cercis.savingadvice.com/2006/03/31/terri-schaivo_6874/</link>
      <description>One year ago today, Terri Schaivo died.&lt;br /&gt;
&lt;br /&gt;
One year ago Tuesday, I started working at my job.  We still have clients tell us &quot;I don't want to be like that&quot; and we do a lot of Directives to Physicians.&lt;br /&gt;
&lt;br /&gt;
This is such a simple document.  And it doesn't have to be &quot;right to die&quot; as some...</description>
      <pubDate>Fri, 31 Mar 2006 18:27:25 PST</pubDate>
	  <author>cercis11@yahoo.com (Cercis)</author>
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