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	<title>Comments on: Cheap vs. Frugal &#8211; How to determine which one you are</title>
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		<title>By: Anon Y. Mous</title>
		<link>http://blog.lendingclub.com/2007/11/23/cheap-vs-frugal-how-to-determine-which-one-you-are/#comment-326</link>
		<dc:creator>Anon Y. Mous</dc:creator>
		<pubDate>Thu, 04 Sep 2008 01:47:55 +0000</pubDate>
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		<description>Why would you buy books when you can go to the library? I think
food would have been a better analogy to use. Yes, definitely
food... Why didn&#039;t you talk about that?</description>
		<content:encoded><![CDATA[<p>Why would you buy books when you can go to the library? I think<br />
food would have been a better analogy to use. Yes, definitely<br />
food... Why didn't you talk about that?</p>
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		<title>By: Brandon</title>
		<link>http://blog.lendingclub.com/2007/11/23/cheap-vs-frugal-how-to-determine-which-one-you-are/#comment-325</link>
		<dc:creator>Brandon</dc:creator>
		<pubDate>Wed, 28 Nov 2007 13:01:03 +0000</pubDate>
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		<description>I identify with your mom (i.e., stretching the shampoo use by
adding water to the bottle), and I think you&#039;ve understated the
savings in such actions. There is more to it than gaining a few
days worth of shampoo. Rather, the idea is to delay expenses as
long as possible. If you can stretch out expenses, they become
proportionally smaller when compared to your income. In the case of
the shampoo (as well as similar items like hand or dish soap), my
experience has shown me I can get at least a week or two more of
use out of them. Squeezing every last bit of toothpaste out of the
tube can do the same. I haven&#039;t crunched the numbers, but it seems
to me that if actions such as these were applied widely, the
conglomerative result (in conjunction with a monthly budget, of
course) would be a significant pushout of expenses. Instead of
three bottles of shampoo this year, perhaps only two. Instead of
five tubes of toothpaste, maybe only four. Applied across the
board, the difference is obvious - and very much frugal.</description>
		<content:encoded><![CDATA[<p>I identify with your mom (i.e., stretching the shampoo use by<br />
adding water to the bottle), and I think you've understated the<br />
savings in such actions. There is more to it than gaining a few<br />
days worth of shampoo. Rather, the idea is to delay expenses as<br />
long as possible. If you can stretch out expenses, they become<br />
proportionally smaller when compared to your income. In the case of<br />
the shampoo (as well as similar items like hand or dish soap), my<br />
experience has shown me I can get at least a week or two more of<br />
use out of them. Squeezing every last bit of toothpaste out of the<br />
tube can do the same. I haven't crunched the numbers, but it seems<br />
to me that if actions such as these were applied widely, the<br />
conglomerative result (in conjunction with a monthly budget, of<br />
course) would be a significant pushout of expenses. Instead of<br />
three bottles of shampoo this year, perhaps only two. Instead of<br />
five tubes of toothpaste, maybe only four. Applied across the<br />
board, the difference is obvious - and very much frugal.</p>
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