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	<title>Comments on: January Is The Hardest Month, Or Is It?</title>
	<atom:link href="http://frugalhacks.com/2010/01/04/january-hardest-month/feed/" rel="self" type="application/rss+xml" />
	<link>http://frugalhacks.com/2010/01/04/january-hardest-month/</link>
	<description>Good stewardship in action.  How do you do it?</description>
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		<title>By: Carol</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5856</link>
		<dc:creator>Carol</dc:creator>
		<pubDate>Mon, 11 Jan 2010 02:38:00 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5856</guid>
		<description>I&#039;m so glad someone else noticed the hen and wreath and asked about it.  It looks like a giant hen and berries on the driveway!  Glad that mystery is cleared up.</description>
		<content:encoded><![CDATA[<p>I&#8217;m so glad someone else noticed the hen and wreath and asked about it.  It looks like a giant hen and berries on the driveway!  Glad that mystery is cleared up.</p>
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		<title>By: Meredith</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5849</link>
		<dc:creator>Meredith</dc:creator>
		<pubDate>Sun, 10 Jan 2010 05:57:49 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5849</guid>
		<description>It&#039;s a French hen that sits on my outdoor table under the tree. Nothing giant about it, just perspective.</description>
		<content:encoded><![CDATA[<p>It&#8217;s a French hen that sits on my outdoor table under the tree. Nothing giant about it, just perspective.</p>
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		<title>By: Janet</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5847</link>
		<dc:creator>Janet</dc:creator>
		<pubDate>Sun, 10 Jan 2010 02:13:03 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5847</guid>
		<description>Meredith, this has nothing to do with January frugality but don&#039;t know how else to ask a question about your blog that is a mystery to everyone with whom I have discussed this.  What is the gigantic chicken in front of your house???? Superimposed? Why?  Sure got my attention!</description>
		<content:encoded><![CDATA[<p>Meredith, this has nothing to do with January frugality but don&#8217;t know how else to ask a question about your blog that is a mystery to everyone with whom I have discussed this.  What is the gigantic chicken in front of your house???? Superimposed? Why?  Sure got my attention!</p>
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		<title>By: mary b</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5838</link>
		<dc:creator>mary b</dc:creator>
		<pubDate>Sat, 09 Jan 2010 16:28:27 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5838</guid>
		<description>I can relate to the Christmas catastrophe...I had to replace my vehicle and therefore my accounts took a big hit. With January comes a renewed sense of desire to live frugally and bump back up the emergency fund!</description>
		<content:encoded><![CDATA[<p>I can relate to the Christmas catastrophe&#8230;I had to replace my vehicle and therefore my accounts took a big hit. With January comes a renewed sense of desire to live frugally and bump back up the emergency fund!</p>
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		<title>By: Forest</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5835</link>
		<dc:creator>Forest</dc:creator>
		<pubDate>Fri, 08 Jan 2010 10:55:40 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5835</guid>
		<description>January is a great month for me this year as I am facing up to my debt.... My debts are still there but are being managed by a debt charity now (well almost, still doing paperwork) and my nice new bank account has a shiny 0.00 on it at the moment!

I also got all my dental work out of the way in Nov / Dec.... fingers crossed that things keep going down this road.... Now to earn a little money and change that 0.00 to something more.</description>
		<content:encoded><![CDATA[<p>January is a great month for me this year as I am facing up to my debt&#8230;. My debts are still there but are being managed by a debt charity now (well almost, still doing paperwork) and my nice new bank account has a shiny 0.00 on it at the moment!</p>
<p>I also got all my dental work out of the way in Nov / Dec&#8230;. fingers crossed that things keep going down this road&#8230;. Now to earn a little money and change that 0.00 to something more.</p>
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		<title>By: Lynn</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5833</link>
		<dc:creator>Lynn</dc:creator>
		<pubDate>Thu, 07 Jan 2010 22:41:34 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5833</guid>
		<description>Diet and Debt must be my middle names!
But the good news is that I paid my car off this week with all the money I saved using coupons at the grocery store each week. And hey, I got a ton of free stuff to share with friends and family.</description>
		<content:encoded><![CDATA[<p>Diet and Debt must be my middle names!<br />
But the good news is that I paid my car off this week with all the money I saved using coupons at the grocery store each week. And hey, I got a ton of free stuff to share with friends and family.</p>
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		<title>By: The Muse</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5832</link>
		<dc:creator>The Muse</dc:creator>
		<pubDate>Thu, 07 Jan 2010 17:10:36 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5832</guid>
		<description>New year....same plan.
SAVE SAVE SAVE :)
Stick with what works, right?  :)</description>
		<content:encoded><![CDATA[<p>New year&#8230;.same plan.<br />
SAVE SAVE SAVE <img src='http://frugalhacks.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br />
Stick with what works, right?  <img src='http://frugalhacks.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Faiza Smith</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5824</link>
		<dc:creator>Faiza Smith</dc:creator>
		<pubDate>Tue, 05 Jan 2010 20:15:18 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5824</guid>
		<description>Yes, Hope is in abundance in January. I wish it is abundant every month of the year, so people can achieve anything they set their hearts on.</description>
		<content:encoded><![CDATA[<p>Yes, Hope is in abundance in January. I wish it is abundant every month of the year, so people can achieve anything they set their hearts on.</p>
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		<title>By: Sallie</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5822</link>
		<dc:creator>Sallie</dc:creator>
		<pubDate>Tue, 05 Jan 2010 13:24:24 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5822</guid>
		<description>What a great post! We don&#039;t use credit cards only cash so we don&#039;t worry about that. But In the winter we are totally cleaning out the cabinets and looking for a good deal when money is tight. And our motivation to get us through rough times is knowing the tax return will be here soon!!!!!</description>
		<content:encoded><![CDATA[<p>What a great post! We don&#8217;t use credit cards only cash so we don&#8217;t worry about that. But In the winter we are totally cleaning out the cabinets and looking for a good deal when money is tight. And our motivation to get us through rough times is knowing the tax return will be here soon!!!!!</p>
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		<title>By: Beth</title>
		<link>http://frugalhacks.com/2010/01/04/january-hardest-month/comment-page-1/#comment-5821</link>
		<dc:creator>Beth</dc:creator>
		<pubDate>Tue, 05 Jan 2010 01:04:02 +0000</pubDate>
		<guid isPermaLink="false">http://frugalhacks.com/?p=1692#comment-5821</guid>
		<description>This is the year we really want to widdle down our debt and have more of a savings plan...I think we keep making the same mistakes over and over...but this is our year to change things up! I love the part you said about it being the month of Hope....Beth</description>
		<content:encoded><![CDATA[<p>This is the year we really want to widdle down our debt and have more of a savings plan&#8230;I think we keep making the same mistakes over and over&#8230;but this is our year to change things up! I love the part you said about it being the month of Hope&#8230;.Beth</p>
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