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	<title>Comments on: What are some of your smart ways to conserve cash?</title>
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	<description>It's all about the penny and cents</description>
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		<title>By: Lai Seng Choy</title>
		<link>http://www.mypennysense.com/smart-ways-conserve-cash/comment-page-1/#comment-665</link>
		<dc:creator>Lai Seng Choy</dc:creator>
		<pubDate>Thu, 17 Dec 2009 07:12:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.mypennysense.com/?p=687#comment-665</guid>
		<description>I do not stop invest.  Instead, I follow closely on how, what and where I can save.  For example, instead of keep them in standby mode, I insist all my family members to turn all the A/C off whenever electrical items like TV or radio are not in use.  I also request them to switch off the lights and fan when they are not in the room.  After months of practicing, I realize that my electrical bill has dropped by almost 24% in average.</description>
		<content:encoded><![CDATA[<p>I do not stop invest.  Instead, I follow closely on how, what and where I can save.  For example, instead of keep them in standby mode, I insist all my family members to turn all the A/C off whenever electrical items like TV or radio are not in use.  I also request them to switch off the lights and fan when they are not in the room.  After months of practicing, I realize that my electrical bill has dropped by almost 24% in average.</p>
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		<title>By: Penny</title>
		<link>http://www.mypennysense.com/smart-ways-conserve-cash/comment-page-1/#comment-590</link>
		<dc:creator>Penny</dc:creator>
		<pubDate>Tue, 06 Oct 2009 08:58:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.mypennysense.com/?p=687#comment-590</guid>
		<description>Wow! That&#039;s incredible savings! Good for you. It does take some getting used to, doesn&#039;t it? But when you are forced into that situation, more often than not you find that you will just make it. I guess it&#039;s all a matter of discipline too.</description>
		<content:encoded><![CDATA[<p>Wow! That&#8217;s incredible savings! Good for you. It does take some getting used to, doesn&#8217;t it? But when you are forced into that situation, more often than not you find that you will just make it. I guess it&#8217;s all a matter of discipline too.</p>
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		<title>By: Alvin Lim</title>
		<link>http://www.mypennysense.com/smart-ways-conserve-cash/comment-page-1/#comment-580</link>
		<dc:creator>Alvin Lim</dc:creator>
		<pubDate>Wed, 30 Sep 2009 00:26:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.mypennysense.com/?p=687#comment-580</guid>
		<description>I actually stop my unit trust monthly debit n keep the money to myself - investing some into stocks. the rest ah...cut down on few things - don go out so much, cut down on the so-called luxury food, don buy any WANTs. after my 40% pay cut fr my prev job, i realized that i can actually survive (ngam ngam) with the new pay...so now that i m back to normal salary, i should be able to save around 30-40% :)</description>
		<content:encoded><![CDATA[<p>I actually stop my unit trust monthly debit n keep the money to myself &#8211; investing some into stocks. the rest ah&#8230;cut down on few things &#8211; don go out so much, cut down on the so-called luxury food, don buy any WANTs. after my 40% pay cut fr my prev job, i realized that i can actually survive (ngam ngam) with the new pay&#8230;so now that i m back to normal salary, i should be able to save around 30-40% <img src='http://www.mypennysense.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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