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	Comments on: Top Secret: Your Little Habits create Big Savings	</title>
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		<title>
		By: K. Lee Banks		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1750</link>

		<dc:creator><![CDATA[K. Lee Banks]]></dc:creator>
		<pubDate>Wed, 27 Jan 2016 03:07:57 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1750</guid>

					<description><![CDATA[Great post! Fortunately, my hubby is great with maintaining the car and our home, and I can manage clothing repairs. Identifying spending triggers is an excellent strategy.]]></description>
			<content:encoded><![CDATA[<p>Great post! Fortunately, my hubby is great with maintaining the car and our home, and I can manage clothing repairs. Identifying spending triggers is an excellent strategy.</p>
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		<title>
		By: Karmic Ally		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1744</link>

		<dc:creator><![CDATA[Karmic Ally]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 17:15:11 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1744</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1743&quot;&gt;Lisa&lt;/a&gt;.

Thanks Lisa. I love my car and make sure that it goes for regular services. My present car has been with me since 10 years and is fighting fit. :) There have been models of that make but my service dealer told me that my model is the best and to keep it going as long as I can. It is interesting how our father&#039;s influence us. My Dad told me to buy a second hand car as a first time buyer because he knew that if I had any accidents, it would be a learning experience. This car was 2 years old and a Honda Prelude which I used for a solid 15 years! It&#039;s still with me though not driven as much now and all because I maintained it.

It is good to save money and buy wisely.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1743">Lisa</a>.</p>
<p>Thanks Lisa. I love my car and make sure that it goes for regular services. My present car has been with me since 10 years and is fighting fit. 🙂 There have been models of that make but my service dealer told me that my model is the best and to keep it going as long as I can. It is interesting how our father&#8217;s influence us. My Dad told me to buy a second hand car as a first time buyer because he knew that if I had any accidents, it would be a learning experience. This car was 2 years old and a Honda Prelude which I used for a solid 15 years! It&#8217;s still with me though not driven as much now and all because I maintained it.</p>
<p>It is good to save money and buy wisely.</p>
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		<title>
		By: Lisa		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1743</link>

		<dc:creator><![CDATA[Lisa]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 05:24:51 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1743</guid>

					<description><![CDATA[Great article Vatsala! Spending money can be like a drug and sadly too many people look at what they can buy on credit instead of what they actually have. I take good care of my car, I have had it for 10 years and bought it brand used..My father was a car sales man and he always told me, don&#039;t take the new car hit, buy used, a year or 2 old and you will be much better off. 
Sadly our society promotes spending and not being accountable, such a different world we live in from our parents...its good to save money and buy wisely. Great article Vasala]]></description>
			<content:encoded><![CDATA[<p>Great article Vatsala! Spending money can be like a drug and sadly too many people look at what they can buy on credit instead of what they actually have. I take good care of my car, I have had it for 10 years and bought it brand used..My father was a car sales man and he always told me, don&#8217;t take the new car hit, buy used, a year or 2 old and you will be much better off.<br />
Sadly our society promotes spending and not being accountable, such a different world we live in from our parents&#8230;its good to save money and buy wisely. Great article Vasala</p>
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		<title>
		By: Karmic Ally		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1742</link>

		<dc:creator><![CDATA[Karmic Ally]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 05:14:51 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1742</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1735&quot;&gt;Tamuria&lt;/a&gt;.

I fully endorse your view, Tamuria. In a material society we often forget our true abundance and wealth and end up acquiring things that can be lost, like your example in a bushfire or other calamity. I still remember what my mechanic told me in 2010 when my car was smashed by a van at a red light and had to be repaired. His words of wisdom were that he could repair the car but if I had lost my life or had been injured, he could not fix it and told me to give thanks to God for saving me.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1735">Tamuria</a>.</p>
<p>I fully endorse your view, Tamuria. In a material society we often forget our true abundance and wealth and end up acquiring things that can be lost, like your example in a bushfire or other calamity. I still remember what my mechanic told me in 2010 when my car was smashed by a van at a red light and had to be repaired. His words of wisdom were that he could repair the car but if I had lost my life or had been injured, he could not fix it and told me to give thanks to God for saving me.</p>
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		<title>
		By: Karmic Ally		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1741</link>

		<dc:creator><![CDATA[Karmic Ally]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 05:12:13 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1741</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1736&quot;&gt;Roslyn Tanner Evans&lt;/a&gt;.

I love your husband&#039;s 5 P&#039;s Roslyn - it is my kind of a mantra! The money jar is a great place to store change and see how much accumulates over a period of time. That is good money which can be used to cover some of our wants and needs.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1736">Roslyn Tanner Evans</a>.</p>
<p>I love your husband&#8217;s 5 P&#8217;s Roslyn &#8211; it is my kind of a mantra! The money jar is a great place to store change and see how much accumulates over a period of time. That is good money which can be used to cover some of our wants and needs.</p>
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		<title>
		By: Karmic Ally		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1740</link>

		<dc:creator><![CDATA[Karmic Ally]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 05:10:14 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1740</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1737&quot;&gt;Beverley Golden&lt;/a&gt;.

Thanks for sharing this interesting story, Beverley. This lady is good bargain hunter and money manager. I tend to be more lenient and go for the more expensive food items and even have shops where they give me a discount on the MRP but that is only for the biggies. Most stores do run deals on Wednesdays and if one is willing to be part of a rush, then well worth saving hundreds on essential food items. I&#039;m happy you enjoyed the series.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1737">Beverley Golden</a>.</p>
<p>Thanks for sharing this interesting story, Beverley. This lady is good bargain hunter and money manager. I tend to be more lenient and go for the more expensive food items and even have shops where they give me a discount on the MRP but that is only for the biggies. Most stores do run deals on Wednesdays and if one is willing to be part of a rush, then well worth saving hundreds on essential food items. I&#8217;m happy you enjoyed the series.</p>
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		<title>
		By: Karmic Ally		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1739</link>

		<dc:creator><![CDATA[Karmic Ally]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 05:07:08 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1739</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1738&quot;&gt;Delia Rusu&lt;/a&gt;.

Stepping back to consider whether an item can be repaired or replaced also acts as a check on our spending and helps us to take informed decisions, Delia. It also helps us to reduce electronic garbage. Fortunately nowadays there are specialized junk dealers who actually pay money for these items and ensure that they are disposed off without harming the environment. My rule of thumb is if the cost of repairing is the same or approximate to that of replacing, then I go with the latter and look for deals where I can get a good exchange offer on the item that I am disposing off. I save tons of money which I use to fulfill other needs and wants. :)]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1738">Delia Rusu</a>.</p>
<p>Stepping back to consider whether an item can be repaired or replaced also acts as a check on our spending and helps us to take informed decisions, Delia. It also helps us to reduce electronic garbage. Fortunately nowadays there are specialized junk dealers who actually pay money for these items and ensure that they are disposed off without harming the environment. My rule of thumb is if the cost of repairing is the same or approximate to that of replacing, then I go with the latter and look for deals where I can get a good exchange offer on the item that I am disposing off. I save tons of money which I use to fulfill other needs and wants. 🙂</p>
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		<title>
		By: Delia Rusu		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1738</link>

		<dc:creator><![CDATA[Delia Rusu]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 03:35:51 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1738</guid>

					<description><![CDATA[Totally agree with contemplating repairing versus buying new. We&#039;ve been living too long in a society and environment where over consuming in the norm.

Whether it&#039;s electronics, shoes, or cars, the cost of buying new is so tempting because it&#039;s really close to repairing it.

There are situations though where this can be done - I&#039;m all for that if I can make it work.]]></description>
			<content:encoded><![CDATA[<p>Totally agree with contemplating repairing versus buying new. We&#8217;ve been living too long in a society and environment where over consuming in the norm.</p>
<p>Whether it&#8217;s electronics, shoes, or cars, the cost of buying new is so tempting because it&#8217;s really close to repairing it.</p>
<p>There are situations though where this can be done &#8211; I&#8217;m all for that if I can make it work.</p>
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		<title>
		By: Beverley Golden		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1737</link>

		<dc:creator><![CDATA[Beverley Golden]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 03:21:34 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1737</guid>

					<description><![CDATA[Just last week my daughter and I were in a large grocery store and ended up behind a woman who was &quot;price checking&quot; every single item she had in her cart. The store policy was to match prices and I was shocked at how much it appeared she was saving. Especially as a large box of diapers, which they didn&#039;t want to honour because it wasn&#039;t the same as the one she was buying, led to a five minute delay until finally the store agreed to match. She saved $10 on one item! It made me wonder if the app she was using was worth downloading. :) Personally I am very price conscious and look to save money wherever I can when shopping. I used to document every nickel I spent when I was young, and have chosen now to be less fixated on money and to live my life trusting that I have a good grasp of what my life costs. Unfortunately our dollar is currently very depressed and now our food prices are going sky high, which will be an issue for the organic shopper in me. Thanks for the great 3-part series on money management, Vatsala! A very key topic for us all.]]></description>
			<content:encoded><![CDATA[<p>Just last week my daughter and I were in a large grocery store and ended up behind a woman who was &#8220;price checking&#8221; every single item she had in her cart. The store policy was to match prices and I was shocked at how much it appeared she was saving. Especially as a large box of diapers, which they didn&#8217;t want to honour because it wasn&#8217;t the same as the one she was buying, led to a five minute delay until finally the store agreed to match. She saved $10 on one item! It made me wonder if the app she was using was worth downloading. 🙂 Personally I am very price conscious and look to save money wherever I can when shopping. I used to document every nickel I spent when I was young, and have chosen now to be less fixated on money and to live my life trusting that I have a good grasp of what my life costs. Unfortunately our dollar is currently very depressed and now our food prices are going sky high, which will be an issue for the organic shopper in me. Thanks for the great 3-part series on money management, Vatsala! A very key topic for us all.</p>
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		<title>
		By: Roslyn Tanner Evans		</title>
		<link>https://karmicallycoaching.com/top-secret-your-little-habits-create-big-savings/#comment-1736</link>

		<dc:creator><![CDATA[Roslyn Tanner Evans]]></dc:creator>
		<pubDate>Thu, 21 Jan 2016 00:18:12 +0000</pubDate>
		<guid isPermaLink="false">http://karmicallycoaching.com/?p=2773#comment-1736</guid>

					<description><![CDATA[LIving within our means is how we are able to live a good life and help others. I&#039;m fortunate that my husband believes in the 5 P&#039;s, Prior Planning Prevents Poor Performance. What this means is he takes car of car, household filters  and applianes. Sometimes we do decide to replace rather than repair. I think the thing we enjoy the most,after being generous to our kids we emptying our pockets of change into a big jar and seeing how much accumulates each year.]]></description>
			<content:encoded><![CDATA[<p>LIving within our means is how we are able to live a good life and help others. I&#8217;m fortunate that my husband believes in the 5 P&#8217;s, Prior Planning Prevents Poor Performance. What this means is he takes car of car, household filters  and applianes. Sometimes we do decide to replace rather than repair. I think the thing we enjoy the most,after being generous to our kids we emptying our pockets of change into a big jar and seeing how much accumulates each year.</p>
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