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		<title>Pinching Your Pennies Forums</title>
		<link>http://www.pinchingyourpennies.com/forums/</link>
		<description>Online deals, coupon codes, hot deals, freebies, deals around town</description>
		<language>en</language>
		<lastBuildDate>Wed, 22 May 2013 01:46:38 GMT</lastBuildDate>
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			<title>Pinching Your Pennies Forums</title>
			<link>http://www.pinchingyourpennies.com/forums/</link>
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		<item>
			<title>LOFT 40% off</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222252&amp;goto=newpost</link>
			<pubDate>Wed, 22 May 2013 01:29:15 GMT</pubDate>
			<description><![CDATA[Image: http://richmedia.channeladvisor.com/ImageDelivery/imageService?profileId=52000653&itemID=298253&swatchID=8680&recipeName=pdlg485x503  
 
Enjoy 40% off your Sale Purchase - ends 5/22 
 
*LOFT Link (http://www.jdoqocy.com/click-1495814-11377055)*]]></description>
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<div><img src="http://richmedia.channeladvisor.com/ImageDelivery/imageService?profileId=52000653&amp;itemID=298253&amp;swatchID=8680&amp;recipeName=pdlg485x503" border="0" alt="" /><br />
<br />
Enjoy 40% off your Sale Purchase - ends 5/22<br />
<br />
<b><a href="http://www.jdoqocy.com/click-1495814-11377055" target="_blank">LOFT Link</a></b></div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=10">Screaming Deals Online</category>
			<dc:creator>sherriwj</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222252</guid>
		</item>
		<item>
			<title>Would you put laminate in your basement?</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222250&amp;goto=newpost</link>
			<pubDate>Wed, 22 May 2013 00:47:22 GMT</pubDate>
			<description>My husband and I are debating whether to put laminate or carpet in the family room in our basement?  Is there anyone that would choose laminate over carpet?</description>
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<div>My husband and I are debating whether to put laminate or carpet in the family room in our basement?  Is there anyone that would choose laminate over carpet?</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=114">Utah off-topic/fun stuff/help!</category>
			<dc:creator>emw36</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222250</guid>
		</item>
		<item>
			<title>Utah Smiths Preview 5/21-5/28</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222249&amp;goto=newpost</link>
			<pubDate>Wed, 22 May 2013 00:34:26 GMT</pubDate>
			<description><![CDATA[For a link to the current list, click HERE (http://www.grocerysmarts.com/utah/lists/indexg84cac.php?s84mi2) 
 
For a link to the preview list, click HERE (http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?s84mi3) 
 
Don't forget about the HOT newspaper deal!!  If you want...]]></description>
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<div>For a link to the current list, click<a href="http://www.grocerysmarts.com/utah/lists/indexg84cac.php?s84mi2" target="_blank"> HERE</a><br />
<br />
For a link to the preview list, click <a href="http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?s84mi3" target="_blank">HERE</a><br />
<br />
Don't forget about the HOT newspaper deal!!  If you want multiples of the Sunday DNews or SLTrib, click <a href="http://www.pinchingyourpennies.com/forums/showthread.php?t=220732&amp;highlight=deseret+news" target="_blank">HERE </a>  Each paper is only $20 for the entire year!!!</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=62"><![CDATA[Utah's Screaming Deals]]></category>
			<dc:creator>Rebecca</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222249</guid>
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		<item>
			<title><![CDATA[40% off Women's Shorts @ Tillys.com]]></title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222248&amp;goto=newpost</link>
			<pubDate>Wed, 22 May 2013 00:15:49 GMT</pubDate>
			<description><![CDATA[Image: http://www.tillys.com/tillys/images/custom/73/shorts-bogo-hdr.jpg  
 
40% off Women's Shorts 
 
*Tillys.com LINK (http://www.tkqlhce.com/click-1495814-11380515)*]]></description>
			<content:encoded><![CDATA[<!-- BEGIN TEMPLATE: postbit_external -->
<div><img src="http://www.tillys.com/tillys/images/custom/73/shorts-bogo-hdr.jpg" border="0" alt="" /><br />
<br />
40% off Women's Shorts<br />
<br />
<b><a href="http://www.tkqlhce.com/click-1495814-11380515" target="_blank">Tillys.com LINK</a></b></div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=10">Screaming Deals Online</category>
			<dc:creator>sherriwj</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222248</guid>
		</item>
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			<title>Considering Bankruptcy: Chapter 13</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222247&amp;goto=newpost</link>
			<pubDate>Wed, 22 May 2013 00:07:19 GMT</pubDate>
			<description><![CDATA[Hi all. Other than student loans, I don't have a lot of debt. About $10k. Unfortunately, my ex didn't pay our kids' private school bill from several years ago, and I was sued. I also know that they are going to garnish my wages because I had to fill out the paperwork on myself at work (I handle...]]></description>
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<div>Hi all. Other than student loans, I don't have a lot of debt. About $10k. Unfortunately, my ex didn't pay our kids' private school bill from several years ago, and I was sued. I also know that they are going to garnish my wages because I had to fill out the paperwork on myself at work (I handle accounting/hr). I honestly wasn't aware of this bill until I was sued. From what I could tell, the maximum amount of my wages that they can garnish would be 30% in Louisiana. From what the lawyers told me, 60% goes toward the bill and 40% to the lawyers. Thing is, each week that goes by, another $25 gets tacked onto the bill. It seems like my wages would be garnished for quite some time.<br />
<br />
So I had a meeting with a Bankruptcy lawyer today. I've been a huge fan of Dave Ramsey and I've been paying down my debt. I've done a great job so far, until I was sued. I know he is steadfast against claiming bankruptcy but I don't really see any other option.<br />
<br />
My lawyer said that it'll cost $374 for filing up front. Then $200 for the next 36 months. Of that $200, $100 will go to my student loans, $75 to the lawyer, and $25 to a trustee. In all, at the end of the 36 months, I would have paid the lawyer $2700, $900 to the trustee, and $3600 to my student loans. I am currently paying only $40 per month for student loans, so I would actually be paying more to them. Also, he said that the Ch. 13 will stay on my credit for 8 years after my 3 year period ends. <br />
<br />
So, I was thinking, I would paid a total of $3,600 to claim bankruptcy thus saving over $6000. <br />
<br />
If this company would not garnish my wages, I would definitely pay them off. I've done such a good job so far that it honestly pains me to even THINK about bankruptcy, but I KNOW I would not survive on what would be left over after bankruptcy.<br />
<br />
What do you guys think? What else do I need to know about bankruptcy? Is there any alternative to bankruptcy that would stop my wages from being garnished? Anything that you can share would be a HUGE help. Thanks :)</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=75">One Penny at a Time</category>
			<dc:creator>krissyroddy</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222247</guid>
		</item>
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			<title>Extra 50% Off Red Tag Sale @ Tillys.com</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222246&amp;goto=newpost</link>
			<pubDate>Wed, 22 May 2013 00:02:19 GMT</pubDate>
			<description>Image: http://www.tillys.com/Tillys/content/images/memorial-day-sale-cara-50.jpg  (http://www.kqzyfj.com/click-1495814-11380665) 
 
Extra 50% Off All Red tag Clearance ends 5/27 
 
*Tillys.com LINK (http://www.kqzyfj.com/click-1495814-11380665)*</description>
			<content:encoded><![CDATA[<!-- BEGIN TEMPLATE: postbit_external -->
<div><a href="http://www.kqzyfj.com/click-1495814-11380665" target="_blank"><img src="http://www.tillys.com/Tillys/content/images/memorial-day-sale-cara-50.jpg" border="0" alt="" /></a><br />
<br />
Extra 50% Off All Red tag Clearance ends 5/27<br />
<br />
<b><a href="http://www.kqzyfj.com/click-1495814-11380665" target="_blank">Tillys.com LINK</a></b></div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=10">Screaming Deals Online</category>
			<dc:creator>sherriwj</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222246</guid>
		</item>
		<item>
			<title>Two Days Only! 2-night hotel + air package from $159 pp at JetBlue Getaways</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222245&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 23:57:58 GMT</pubDate>
			<description>*Image: http://www2.jetblue.com/vacations/Sale/the-fly-like-its-hot-sale/GWLP_960x420.JPG  
 
Two Days Only! 2-night hotel + air package from $159 pp at JetBlue Getaways. Book by 5/22. Travel 6/4 - 8/28. +Restr (http://www.dpbolvw.net/click-1495814-11379120)Image:...</description>
			<content:encoded><![CDATA[<!-- BEGIN TEMPLATE: postbit_external -->
<div><b><a href="http://www.dpbolvw.net/click-1495814-11379120" target="_blank"><img src="http://www2.jetblue.com/vacations/Sale/the-fly-like-its-hot-sale/GWLP_960x420.JPG" border="0" alt="" /><br />
<br />
Two Days Only! 2-night hotel + air package from $159 pp at JetBlue Getaways. Book by 5/22. Travel 6/4 - 8/28. +Restr</a><img src="http://www.tqlkg.com/image-1495814-11379120" border="0" alt="" /></b></div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=10">Screaming Deals Online</category>
			<dc:creator>sherriwj</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222245</guid>
		</item>
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			<title>Family sized lodging near Alpine, UT??</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222244&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 23:21:03 GMT</pubDate>
			<description>Anyone know of a house or condo our family could rent in, or very near, Alpine, UT.  We only need 1-2 nights.  Thanks!</description>
			<content:encoded><![CDATA[<!-- BEGIN TEMPLATE: postbit_external -->
<div>Anyone know of a house or condo our family could rent in, or very near, Alpine, UT.  We only need 1-2 nights.  Thanks!</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=277">Travel</category>
			<dc:creator>4crazyboyz</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222244</guid>
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			<title>$25 Restaurant.com Gift Certificate for $6</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222243&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 23:11:23 GMT</pubDate>
			<description>Image: http://www.ftjcfx.com/image-1-10665295  (http://www.anrdoezrs.net/click-1-10665295) 
 
* $25 Restaurant.com Gift Certificate for $6 (http://www.jdoqocy.com/click-1-5674459)Image: http://www.awltovhc.com/image-1-5674459 *</description>
			<content:encoded><![CDATA[<!-- BEGIN TEMPLATE: postbit_external -->
<div><a href="http://www.anrdoezrs.net/click-1-10665295" target="_blank"><img src="http://www.ftjcfx.com/image-1-10665295" border="0" alt="" /></a><br />
<br />
<b><a href="http://www.jdoqocy.com/click-1-5674459" target="_blank"> $25 Restaurant.com Gift Certificate for $6</a><img src="http://www.awltovhc.com/image-1-5674459" border="0" alt="" /></b></div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=10">Screaming Deals Online</category>
			<dc:creator>sherriwj</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222243</guid>
		</item>
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			<title><![CDATA[Is there a teenage equivalent of Jolene's??]]></title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222242&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 23:01:52 GMT</pubDate>
			<description><![CDATA[So Jolene's sells lots of affordable, modest special occasion dresses for little girls, but what about teenage girls?? where do you get them? thanks!]]></description>
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<div>So Jolene's sells lots of affordable, modest special occasion dresses for little girls, but what about teenage girls?? where do you get them? thanks!</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=114">Utah off-topic/fun stuff/help!</category>
			<dc:creator>bio</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222242</guid>
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			<title>*PREVIEW* Safeway Deals Printable List 5/22 - 5/28</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222241&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 21:42:53 GMT</pubDate>
			<description>See the **PREVIEW** list *HERE* (http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?s85mi3)  
 
When the sale starts, you can see the **CURRENT** list *HERE* (http://www.grocerysmarts.com/arizona/lists/indexg85ro1.php?s85mi2) 
 
*About Safeway:* 
* All Manufacturer Coupons...</description>
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<div>See the <b>*PREVIEW*</b> list <a href="http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?s85mi3" target="_blank"><b>HERE</b></a> <br />
<br />
When the sale starts, you can see the <b>*CURRENT*</b> list <a href="http://www.grocerysmarts.com/arizona/lists/indexg85ro1.php?s85mi2" target="_blank"><b>HERE</b></a><br />
<br />
<b><font color="darkblue">About Safeway:</font></b><ul><li>All Manufacturer Coupons under $1.00 are worth $1.00 (as of 7/3/11)</li>
<li>See listing of current insert coupons under .50 which are currently worth $1.00 <a href="http://www.pinchingyourpennies.com/forums/showthread.php?t=151197" target="_blank">HERE</a></li>
<li>Digital eCoupons can be loaded directly to your Safeway Card <a href="http://just4u.safeway.com/Couponweb/eoffers.aspx?pid=15136&amp;nid=10&amp;zid=pp27" target="_blank">here</a>, <a href="http://www.safeway.com/IFL/Grocery/Print-Coupons#iframetop" target="_blank">here</a> or <a href="https://www.pgesaver.com/" target="_blank">PGesaver</a></li>
<li>Just 4 U Coupon Program - Please note Coupon Center offers are manufacturer coupons and therefore can not be combined with clipped manufacturer coupons.  Please note that your comments are important to us and will be directed to our Marketing Department for further review in our ongoing evaluation of the Just for U promotion. Safeway Customer Service Team</li>
<li><a href="http://www.safeway.com/ifl/grocery/Coupons-Policy" target="_blank">Link to Official Coupon Policy</a></li>
<li><a href="http://www.safeway.com/IFL/Grocery/Weekly-Specials" target="_blank">Link to Weekly Ad</a></li>
<li><a href="http://www.facebook.com/#!/Safeway" target="_blank">Link to Facebook Page</a></li>
</ul><br />
<b><font color="darkred">******Current Catalina Promotions*******</font></b><br />
<ul><li>Back to Nature Macaroni and Cheese Dinner Boxes or Microwaveable Cups<br />
-Buy (2) Get $1.00<br />
<b>Valid dates 4/22 - 6/16</b></li>
</ul><ul><li>Scrubbing Bubbles Toilet Cleaning Gel<br />
-Buy (2) Get $1.00<br />
<b>Valid dates 5/20 - 6/16</b></li>
</ul></div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=20"><![CDATA[Arizona's Screaming Deals]]></category>
			<dc:creator>Aimee</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222241</guid>
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			<title>ID Albertsons PREVIEW 5/22 - 5/28</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222240&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 20:32:42 GMT</pubDate>
			<description><![CDATA[Click here for the printable Grocery Smarts Albertson's PREVIEW (http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?a83lb3). (Preview link available until Tuesday night at midnight) 
 
Click here for the CURRENT week’s printable Grocery Smarts shopping list....]]></description>
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<div>Click here for the <a href="http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?a83lb3" target="_blank">printable Grocery Smarts Albertson's PREVIEW</a>. (Preview link available until Tuesday night at midnight)<br />
<br />
Click here for the CURRENT week’s <a href="http://www.grocerysmarts.com/idaho/lists/indexg83ro1.php?a83lb2" target="_blank">printable Grocery Smarts shopping list.</a> (Notice the valid dates)</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=30"><![CDATA[Idaho's Screaming Deals]]></category>
			<dc:creator>Misti</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222240</guid>
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			<title>UT Albertsons PREVIEW 5/22 - 5/28</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222239&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 20:27:29 GMT</pubDate>
			<description>For the CURRENT GrocerySmarts printable shopping list *click here* (http://www.grocerysmarts.com/utah/lists/indexg84cac.php?a84lb2). 
 
For a PREVIEW list *click here* (http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?a84lb3) (this link will be available until Midnight MST...</description>
			<content:encoded><![CDATA[<!-- BEGIN TEMPLATE: postbit_external -->
<div><font size="3">For the CURRENT GrocerySmarts printable shopping list <a href="http://www.grocerysmarts.com/utah/lists/indexg84cac.php?a84lb2" target="_blank"><b>click here</b></a>.</font><br />
<br />
<font size="3">For a PREVIEW list <a href="http://www.grocerysmarts.com/national/lists/allpreviews/indexnatpyp.php?a84lb3" target="_blank"><b>click here</b></a></font> (this link will be available until Midnight MST Tuesday night)<br />
<br />
<br />
<b>NOTE:</b><br />
<br />
Sale prices are effective at the following locations:<br />
915 Redcliffs Dr. Washington UT<br />
745 N. Dixie Dr. St. George UT<br />
835 S. Bluff St. St. George UT<br />
740 N. Main, Tooele UT</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=62"><![CDATA[Utah's Screaming Deals]]></category>
			<dc:creator>Misti</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222239</guid>
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		<item>
			<title>chicken deals?</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222238&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 18:40:41 GMT</pubDate>
			<description>I am making several dinners for neighbors this week and need to get quite a bit of chicken. Anyone know where the best price for chicken is?! TIA!</description>
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<div>I am making several dinners for neighbors this week and need to get quite a bit of chicken. Anyone know where the best price for chicken is?! TIA!</div>


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			<category domain="http://www.pinchingyourpennies.com/forums/forumdisplay.php?f=62"><![CDATA[Utah's Screaming Deals]]></category>
			<dc:creator>Natarat</dc:creator>
			<guid isPermaLink="true">http://www.pinchingyourpennies.com/forums/showthread.php?t=222238</guid>
		</item>
		<item>
			<title>Should I fix my ipod screen?  Where?  How?</title>
			<link>http://www.pinchingyourpennies.com/forums/showthread.php?t=222237&amp;goto=newpost</link>
			<pubDate>Tue, 21 May 2013 18:10:31 GMT</pubDate>
			<description>DS just broke/shattered by ipod screen today :(.  Do you get them fixed?  Can you get them fixed?  Where?  OR do you just buy a new one? 
  
Thanks! 
  
(live in davis county Utah)</description>
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<div>DS just broke/shattered by ipod screen today :(.  Do you get them fixed?  Can you get them fixed?  Where?  OR do you just buy a new one?<br />
 <br />
Thanks!<br />
 <br />
(live in davis county Utah)</div>


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