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	<title>Comments on: The Simple Dollar Weekly Roundup: Survey Results Edition</title>
	<atom:link href="http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/</link>
	<description>Financial talk for the rest of us</description>
	<lastBuildDate>Sat, 16 Feb 2013 01:14:45 +0000</lastBuildDate>
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		<title>By: Carron</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-666911</link>
		<dc:creator>Carron</dc:creator>
		<pubDate>Tue, 19 May 2009 15:52:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-666911</guid>
		<description><![CDATA[I think the reason 60% of your readers are women is because generally speaking, they run the household. You give information that contributes to running a better household. We can say that there&#039;s not a seperation between men and women anymore but we still tend to default into the roles of Husbands bring home the wealth adn wives distribute it. Which is why I never understood how some people could think housewives have an easy life. It&#039;s hard work managing a home. It is its own small company in a way.]]></description>
		<content:encoded><![CDATA[<p>I think the reason 60% of your readers are women is because generally speaking, they run the household. You give information that contributes to running a better household. We can say that there&#8217;s not a seperation between men and women anymore but we still tend to default into the roles of Husbands bring home the wealth adn wives distribute it. Which is why I never understood how some people could think housewives have an easy life. It&#8217;s hard work managing a home. It is its own small company in a way.</p>
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		<title>By: Nerida</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-639186</link>
		<dc:creator>Nerida</dc:creator>
		<pubDate>Thu, 23 Apr 2009 23:51:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-639186</guid>
		<description><![CDATA[As one of your international readers, some of your frugality tips are total misses due to legislation differences etc, but some of the hardcore frugality advice appeals because it ovbiously works regardless of location and some tips seem to pay off more here in Australia than they do for you (running my own figures on laundry detergent, for example). Could just be a fluke of the exchange rates, but the parts of your blog that I pay closest attention to are the bits that really work regardless of whether you&#039;re entitled to tax reductions on your mortgage or not.

Also, having a particular demographic seems to me to be a sign of success in the niche media world of the internet. It&#039;s not like you&#039;re a daily newspaper (look how they&#039;re doing!) who needs to appeal to everyone, it&#039;s more a matter of having a dedicated following, I would have thought.

Cheers!]]></description>
		<content:encoded><![CDATA[<p>As one of your international readers, some of your frugality tips are total misses due to legislation differences etc, but some of the hardcore frugality advice appeals because it ovbiously works regardless of location and some tips seem to pay off more here in Australia than they do for you (running my own figures on laundry detergent, for example). Could just be a fluke of the exchange rates, but the parts of your blog that I pay closest attention to are the bits that really work regardless of whether you&#8217;re entitled to tax reductions on your mortgage or not.</p>
<p>Also, having a particular demographic seems to me to be a sign of success in the niche media world of the internet. It&#8217;s not like you&#8217;re a daily newspaper (look how they&#8217;re doing!) who needs to appeal to everyone, it&#8217;s more a matter of having a dedicated following, I would have thought.</p>
<p>Cheers!</p>
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		<title>By: DB Cooper</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-639173</link>
		<dc:creator>DB Cooper</dc:creator>
		<pubDate>Thu, 23 Apr 2009 23:42:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-639173</guid>
		<description><![CDATA[What&#039;s up with all the categories with nothing but 0% responses? With 4,000+ survey respondants, certainly every category must have had statistically significant responses.]]></description>
		<content:encoded><![CDATA[<p>What&#8217;s up with all the categories with nothing but 0% responses? With 4,000+ survey respondants, certainly every category must have had statistically significant responses.</p>
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		<title>By: Evita</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-639010</link>
		<dc:creator>Evita</dc:creator>
		<pubDate>Thu, 23 Apr 2009 20:35:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-639010</guid>
		<description><![CDATA[Dear Trent,

I believe that the concept of hourly value is overrated and it irks me that you are using it so freely.

My job gives me $24 per hour after taxes, not factoring all my unpaid overtime (I am a professional) and my daily two-hour commute. My time outside work is priceless but worth $0 per hour. Any dollar that I can make using this $0 per hour time is all profit! 

Seeing how my investments have been depleted by the current economic situation makes the process worthwhile.

Thanks for all your tips!]]></description>
		<content:encoded><![CDATA[<p>Dear Trent,</p>
<p>I believe that the concept of hourly value is overrated and it irks me that you are using it so freely.</p>
<p>My job gives me $24 per hour after taxes, not factoring all my unpaid overtime (I am a professional) and my daily two-hour commute. My time outside work is priceless but worth $0 per hour. Any dollar that I can make using this $0 per hour time is all profit! </p>
<p>Seeing how my investments have been depleted by the current economic situation makes the process worthwhile.</p>
<p>Thanks for all your tips!</p>
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		<title>By: northern illinois</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638967</link>
		<dc:creator>northern illinois</dc:creator>
		<pubDate>Thu, 23 Apr 2009 19:38:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638967</guid>
		<description><![CDATA[Isee that you are beginning to be mentioned on other blogs too, such as heymarci.com.  a lot of these topics on frugality overlap with downsizing and the dismal economy, people losing their jobs, etc.  i have a new concern-- paying for grad school tuition for my offspring!  But I am in the over 60 category age-wise and don&#039;t fit your demographic at all.  So there is always an occasion to economize for your dreams or someone else&#039;s.  Frugality is always relevant.]]></description>
		<content:encoded><![CDATA[<p>Isee that you are beginning to be mentioned on other blogs too, such as heymarci.com.  a lot of these topics on frugality overlap with downsizing and the dismal economy, people losing their jobs, etc.  i have a new concern&#8211; paying for grad school tuition for my offspring!  But I am in the over 60 category age-wise and don&#8217;t fit your demographic at all.  So there is always an occasion to economize for your dreams or someone else&#8217;s.  Frugality is always relevant.</p>
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		<title>By: Colleen</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638894</link>
		<dc:creator>Colleen</dc:creator>
		<pubDate>Thu, 23 Apr 2009 17:06:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638894</guid>
		<description><![CDATA[I assume this comment won&#039;t be approved just like my last one wasn&#039;t, but @Jen -- you cannot calculate a margin of error on a convenience sample.  Gary Langer at ABC news polling just posted a blog report about that.

What crap, SD.  You&#039;ve lost a subscriber by not publishing a disclaimer and then ignoring a statement you don&#039;t like.]]></description>
		<content:encoded><![CDATA[<p>I assume this comment won&#8217;t be approved just like my last one wasn&#8217;t, but @Jen &#8212; you cannot calculate a margin of error on a convenience sample.  Gary Langer at ABC news polling just posted a blog report about that.</p>
<p>What crap, SD.  You&#8217;ve lost a subscriber by not publishing a disclaimer and then ignoring a statement you don&#8217;t like.</p>
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		<title>By: Monica</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638812</link>
		<dc:creator>Monica</dc:creator>
		<pubDate>Thu, 23 Apr 2009 14:26:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638812</guid>
		<description><![CDATA[I earn over 50K and I am very interested in frugality tips. As someone else mentioned, when you are salaried it is simpler to save more than to earn extra (other than finding a new job). I get a kick out of doing things for less money, especially when it&#039;s in an innovative way that most people wouldn&#039;t consider. I also come to this from a perspective of simple living, voluntary simplicity, etc.

This may be a generalization, but I think women tend to be more interested in frugality and men in investing. I bet the PF blogs that focus more on investments have more of a male audience.]]></description>
		<content:encoded><![CDATA[<p>I earn over 50K and I am very interested in frugality tips. As someone else mentioned, when you are salaried it is simpler to save more than to earn extra (other than finding a new job). I get a kick out of doing things for less money, especially when it&#8217;s in an innovative way that most people wouldn&#8217;t consider. I also come to this from a perspective of simple living, voluntary simplicity, etc.</p>
<p>This may be a generalization, but I think women tend to be more interested in frugality and men in investing. I bet the PF blogs that focus more on investments have more of a male audience.</p>
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		<title>By: Marie</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638797</link>
		<dc:creator>Marie</dc:creator>
		<pubDate>Thu, 23 Apr 2009 13:58:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638797</guid>
		<description><![CDATA[I do forward links to your articles to male friends, when I think it interests them, so you do have some indirect male readership.

I am not yet making $50K, but that is my dream when I graduate with my MA next year.]]></description>
		<content:encoded><![CDATA[<p>I do forward links to your articles to male friends, when I think it interests them, so you do have some indirect male readership.</p>
<p>I am not yet making $50K, but that is my dream when I graduate with my MA next year.</p>
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		<title>By: Dottie</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638791</link>
		<dc:creator>Dottie</dc:creator>
		<pubDate>Thu, 23 Apr 2009 13:45:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638791</guid>
		<description><![CDATA[I wanted to add a little more detail to my survey answers. I hope this helps to distingush the &quot;grouped&quot; results better.

I am 44, husband 50. Our household income is 106k. I totally agree with the post by Chris (comment 13). I am always looking at ways to save anything and live frugally. We do not put much emphasis on the $ per hour value. If it is a frugal habit that fits into our lifestyle I will do it to save a quarter. I very much enjoy learning about ALL frugal habits, even if it is something that currently seems uninspiring it may make me think of another way to implement a new frugal habit or revise a current one.
I totally enjoy saving money and living  well below our means. Soooo much less stress and we are much better prepared mentally and financially for unpredictable circumstances.]]></description>
		<content:encoded><![CDATA[<p>I wanted to add a little more detail to my survey answers. I hope this helps to distingush the &#8220;grouped&#8221; results better.</p>
<p>I am 44, husband 50. Our household income is 106k. I totally agree with the post by Chris (comment 13). I am always looking at ways to save anything and live frugally. We do not put much emphasis on the $ per hour value. If it is a frugal habit that fits into our lifestyle I will do it to save a quarter. I very much enjoy learning about ALL frugal habits, even if it is something that currently seems uninspiring it may make me think of another way to implement a new frugal habit or revise a current one.<br />
I totally enjoy saving money and living  well below our means. Soooo much less stress and we are much better prepared mentally and financially for unpredictable circumstances.</p>
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		<title>By: Sunshine</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638725</link>
		<dc:creator>Sunshine</dc:creator>
		<pubDate>Thu, 23 Apr 2009 12:59:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638725</guid>
		<description><![CDATA[I&#039;m female, just turned 30 and make ~65K.  However, until this month, I was the only wage earner in the house; so that&#039;s the equivalent of 32.5k per person (roughly).  Also, I grew up in a frugal house with a single mom.  Hence, it&#039;s kind of ingrained in me.  Plus, I like doing frugal things.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m female, just turned 30 and make ~65K.  However, until this month, I was the only wage earner in the house; so that&#8217;s the equivalent of 32.5k per person (roughly).  Also, I grew up in a frugal house with a single mom.  Hence, it&#8217;s kind of ingrained in me.  Plus, I like doing frugal things.</p>
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		<title>By: Sharon</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638723</link>
		<dc:creator>Sharon</dc:creator>
		<pubDate>Thu, 23 Apr 2009 12:58:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638723</guid>
		<description><![CDATA[Re the gender issue: I agree that it is often women &quot;handling the nuts and bolts of the household finances&quot; as Elizabeth said, but I&#039;d guess that&#039;s true in married families, too. Women often (but not always, of course) do the shopping, meal-planning, etc.

I think women - including married women - are also concerned with the work-life balance, something that this blog addresses.  In families with kids, women often take on more of the child-care responsibilities, so the opportunity cost of working or staying at home (whichever they&#039;ve chose) is in the forefront of their minds. I&#039;d say this blog includes hints for both groups about how to lower the opportunity cost of their choice. 

(Of course men face these opportunity costs as well, and I&#039;m happy to be in a marriage that I feel is very equitable in terms of the work/life/child care balance. Still, many women still take on a greater share of responsbility for child care and housework than do men, even when both parents work.)]]></description>
		<content:encoded><![CDATA[<p>Re the gender issue: I agree that it is often women &#8220;handling the nuts and bolts of the household finances&#8221; as Elizabeth said, but I&#8217;d guess that&#8217;s true in married families, too. Women often (but not always, of course) do the shopping, meal-planning, etc.</p>
<p>I think women &#8211; including married women &#8211; are also concerned with the work-life balance, something that this blog addresses.  In families with kids, women often take on more of the child-care responsibilities, so the opportunity cost of working or staying at home (whichever they&#8217;ve chose) is in the forefront of their minds. I&#8217;d say this blog includes hints for both groups about how to lower the opportunity cost of their choice. </p>
<p>(Of course men face these opportunity costs as well, and I&#8217;m happy to be in a marriage that I feel is very equitable in terms of the work/life/child care balance. Still, many women still take on a greater share of responsbility for child care and housework than do men, even when both parents work.)</p>
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		<title>By: Julie</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638719</link>
		<dc:creator>Julie</dc:creator>
		<pubDate>Thu, 23 Apr 2009 12:57:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638719</guid>
		<description><![CDATA[It&#039;s a fallacy that because someone&#039;s employment pays e.g. $25 per hour, that doing frugal activities in their spare time for $5 per hour is not worth it. Like most people, I am on a fixed salary, and can&#039;t choose to work additional hours for pay.  If I can earn or save a few dollars in my spare time, especially doing something enjoyable, then I am better off. Furthermore, if I spend an evening sewing while watching a movie with my daughter, we are (a) having quality family time and (b) not out at the mall buying overpriced junk.  Most importantly, my daughter is learning by example that people can make their own muffins and mow their own lawns -- hopefully that will give her empowering choices in the future.]]></description>
		<content:encoded><![CDATA[<p>It&#8217;s a fallacy that because someone&#8217;s employment pays e.g. $25 per hour, that doing frugal activities in their spare time for $5 per hour is not worth it. Like most people, I am on a fixed salary, and can&#8217;t choose to work additional hours for pay.  If I can earn or save a few dollars in my spare time, especially doing something enjoyable, then I am better off. Furthermore, if I spend an evening sewing while watching a movie with my daughter, we are (a) having quality family time and (b) not out at the mall buying overpriced junk.  Most importantly, my daughter is learning by example that people can make their own muffins and mow their own lawns &#8212; hopefully that will give her empowering choices in the future.</p>
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		<title>By: Hatch</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638685</link>
		<dc:creator>Hatch</dc:creator>
		<pubDate>Thu, 23 Apr 2009 12:39:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638685</guid>
		<description><![CDATA[&quot;73% of the readership earns $50K a year or more... Yet I often get the impression that many of my readers ... really like the hardcore frugality stuff..&quot;

First of all, there are other benefits to being frugal besides saving money.  Less stuff makes my life easier to manage.

Secondly, it&#039;s the 80/20 rule.  20% of your readers probably make 80% of comments.  The 20% are probably the passionate people, creating the perception that most of your audience are hardcore.]]></description>
		<content:encoded><![CDATA[<p>&#8220;73% of the readership earns $50K a year or more&#8230; Yet I often get the impression that many of my readers &#8230; really like the hardcore frugality stuff..&#8221;</p>
<p>First of all, there are other benefits to being frugal besides saving money.  Less stuff makes my life easier to manage.</p>
<p>Secondly, it&#8217;s the 80/20 rule.  20% of your readers probably make 80% of comments.  The 20% are probably the passionate people, creating the perception that most of your audience are hardcore.</p>
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		<title>By: tiphaine</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638603</link>
		<dc:creator>tiphaine</dc:creator>
		<pubDate>Thu, 23 Apr 2009 11:32:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638603</guid>
		<description><![CDATA[I read tsd very regularly, and share articles with my husband. We are both 25.
Money wise I make about 10k, but he makes a lot more than me... I have family obligations in France so we need to travel a lot and it&#039;s expensive. Being frugal on a daily basis helps us to pay the plane tickets, pay back his college debt and save up for the future. We can also enjoy a nice outing here and there...
For the last point I would just like to point that women are more likely to take surveys than men... which can explain why the majority of your readers are women...]]></description>
		<content:encoded><![CDATA[<p>I read tsd very regularly, and share articles with my husband. We are both 25.<br />
Money wise I make about 10k, but he makes a lot more than me&#8230; I have family obligations in France so we need to travel a lot and it&#8217;s expensive. Being frugal on a daily basis helps us to pay the plane tickets, pay back his college debt and save up for the future. We can also enjoy a nice outing here and there&#8230;<br />
For the last point I would just like to point that women are more likely to take surveys than men&#8230; which can explain why the majority of your readers are women&#8230;</p>
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		<title>By: Jen</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638595</link>
		<dc:creator>Jen</dc:creator>
		<pubDate>Thu, 23 Apr 2009 11:16:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638595</guid>
		<description><![CDATA[I have several comments.

I agree with Kris that women are more likely to answer surveys and that probably explains the discrepancy.  What is the margin of error on that 60% statistic?

I am not surprised that 73% of your readers have a household income &gt; 50K. The median income in my state is right around median income for my state. In a high cost of living area, it doesn&#039;t go nearly as far as one might expect. I believe that the median income for people in the 18-39 age bracket is higher than 50k. My suspicion is that a significant fraction of people who make less than the median income are not thinking, gee, if only I hadn&#039;t wasted my money on all those expensive dinners, I wouldn&#039;t be in this position.]]></description>
		<content:encoded><![CDATA[<p>I have several comments.</p>
<p>I agree with Kris that women are more likely to answer surveys and that probably explains the discrepancy.  What is the margin of error on that 60% statistic?</p>
<p>I am not surprised that 73% of your readers have a household income &gt; 50K. The median income in my state is right around median income for my state. In a high cost of living area, it doesn&#8217;t go nearly as far as one might expect. I believe that the median income for people in the 18-39 age bracket is higher than 50k. My suspicion is that a significant fraction of people who make less than the median income are not thinking, gee, if only I hadn&#8217;t wasted my money on all those expensive dinners, I wouldn&#8217;t be in this position.</p>
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		<title>By: Betty A</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638582</link>
		<dc:creator>Betty A</dc:creator>
		<pubDate>Thu, 23 Apr 2009 10:55:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638582</guid>
		<description><![CDATA[Or at least those are the survey results of the people who responded to the survey, and if you follow their lead and create articles addressed to that audience, the results will be self-fulfilling. 

Don&#039;t forget the mixed feedback on the survey itself. Lots of people, myself included, feel that they are misrepresented by surveys. I always come away from them knowing that what the company thinks they&#039;ve gathered about me is wrong, and so I don&#039;t fill them out anymore. (Sorry, Trent.) Perhaps that&#039;s why the age demographic is younger? Just a guess.

Anyway, when I read this entry I had a sinking feeling that now the articles will be consistently geared to this demographic, and that leaves me out. It will be interesting to see how Trent interprets them.  I&#039;m looking forward to that post.]]></description>
		<content:encoded><![CDATA[<p>Or at least those are the survey results of the people who responded to the survey, and if you follow their lead and create articles addressed to that audience, the results will be self-fulfilling. </p>
<p>Don&#8217;t forget the mixed feedback on the survey itself. Lots of people, myself included, feel that they are misrepresented by surveys. I always come away from them knowing that what the company thinks they&#8217;ve gathered about me is wrong, and so I don&#8217;t fill them out anymore. (Sorry, Trent.) Perhaps that&#8217;s why the age demographic is younger? Just a guess.</p>
<p>Anyway, when I read this entry I had a sinking feeling that now the articles will be consistently geared to this demographic, and that leaves me out. It will be interesting to see how Trent interprets them.  I&#8217;m looking forward to that post.</p>
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		<title>By: Eric</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638266</link>
		<dc:creator>Eric</dc:creator>
		<pubDate>Thu, 23 Apr 2009 05:10:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638266</guid>
		<description><![CDATA[I love survey results...thanks! Keep them coming :)]]></description>
		<content:encoded><![CDATA[<p>I love survey results&#8230;thanks! Keep them coming :)</p>
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		<title>By: tentaculistic</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-638057</link>
		<dc:creator>tentaculistic</dc:creator>
		<pubDate>Thu, 23 Apr 2009 01:40:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-638057</guid>
		<description><![CDATA[I agree that most women handle most of the finances, that&#039;s also my theory about why this site&#039;s readership is skewed toward us women.  We handle many of the day-to-day financial areas that respond well to frugality.  My wonderful husband pays the big bills and is naturally a very frugal person (except where electronics are concerned!), whereas I take care of household expenses (food, clothes, toiletries, entertainment) and am naturally a weird combo of cheapskate and fritterer.  I read Simple Dollar to remind myself of what is important, and give myself ideas to save. 

Also, about your musing about why most people&#039;s incomes are higher than expected, I think there are 2 answers: 1) as others said people put combined income, or 2) well-off people are looking to the future.  Together, my husband and I make  over $150,000 a year, but as a couple we are dedicated to frugality both to plan for emergencies and future expenses (layoffs are becoming endemic!), and to give us freedom to walk away and choose an entirely different life if we can ever figure out what that life is going to be.  

Last off, I think some of your readers initially got hooked by the info about self-sufficiency (I came here b/c of the post on making your own laundry detergent). I&#039;ve since started gardening and making my own bread as well.  Baby steps, but taking us to more emergency independence.  Just-in-time supply chains only last until the big storm or whatever emergency comes along. I have more peace knowing I can handle more things myself.]]></description>
		<content:encoded><![CDATA[<p>I agree that most women handle most of the finances, that&#8217;s also my theory about why this site&#8217;s readership is skewed toward us women.  We handle many of the day-to-day financial areas that respond well to frugality.  My wonderful husband pays the big bills and is naturally a very frugal person (except where electronics are concerned!), whereas I take care of household expenses (food, clothes, toiletries, entertainment) and am naturally a weird combo of cheapskate and fritterer.  I read Simple Dollar to remind myself of what is important, and give myself ideas to save. </p>
<p>Also, about your musing about why most people&#8217;s incomes are higher than expected, I think there are 2 answers: 1) as others said people put combined income, or 2) well-off people are looking to the future.  Together, my husband and I make  over $150,000 a year, but as a couple we are dedicated to frugality both to plan for emergencies and future expenses (layoffs are becoming endemic!), and to give us freedom to walk away and choose an entirely different life if we can ever figure out what that life is going to be.  </p>
<p>Last off, I think some of your readers initially got hooked by the info about self-sufficiency (I came here b/c of the post on making your own laundry detergent). I&#8217;ve since started gardening and making my own bread as well.  Baby steps, but taking us to more emergency independence.  Just-in-time supply chains only last until the big storm or whatever emergency comes along. I have more peace knowing I can handle more things myself.</p>
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		<title>By: Bill</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-637917</link>
		<dc:creator>Bill</dc:creator>
		<pubDate>Wed, 22 Apr 2009 22:57:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-637917</guid>
		<description><![CDATA[Even at 50k+/year it can still be perfectly rational to value your free time at less than 10$/hour. I count the value of my free time by looking at the proportion - how much work time (including commuting time and costs for work clothing and trade journals) it takes to purchase an hour of free time (which does not include sleep time). By only looking at my hourly rate, you ignore the fact that salaried workers often can&#039;t choose to work longer for more money.]]></description>
		<content:encoded><![CDATA[<p>Even at 50k+/year it can still be perfectly rational to value your free time at less than 10$/hour. I count the value of my free time by looking at the proportion &#8211; how much work time (including commuting time and costs for work clothing and trade journals) it takes to purchase an hour of free time (which does not include sleep time). By only looking at my hourly rate, you ignore the fact that salaried workers often can&#8217;t choose to work longer for more money.</p>
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		<title>By: Erich</title>
		<link>http://www.thesimpledollar.com/2009/04/22/the-simple-dollar-weekly-roundup-survey-results-edition/#comment-637912</link>
		<dc:creator>Erich</dc:creator>
		<pubDate>Wed, 22 Apr 2009 22:37:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3456#comment-637912</guid>
		<description><![CDATA[A thought on the &lt;$10/hr thing: I like making things, optimizing things, hacking things in general. I consider it fun. So I might spend an hour doing something that saves me $3.  But since that is fun for me, you&#039;ve just helped me get paid for having fun. Thats like having free fun, but better.

Another reason I like a lot of your &quot;small savings&quot; tips, is that they won&#039;t necessarily remain small.  For instance I thought the &quot;small savings&quot; by putting foam insulation an extra couple of feet lower in my basement wasn&#039;t worth it. Then gas prices when up 50% this year and woah! I should have done the extra foam when I first heard of it, it would be paid off after this winter.

Regards,
Erich]]></description>
		<content:encoded><![CDATA[<p>A thought on the &lt;$10/hr thing: I like making things, optimizing things, hacking things in general. I consider it fun. So I might spend an hour doing something that saves me $3.  But since that is fun for me, you&#8217;ve just helped me get paid for having fun. Thats like having free fun, but better.</p>
<p>Another reason I like a lot of your &#8220;small savings&#8221; tips, is that they won&#8217;t necessarily remain small.  For instance I thought the &#8220;small savings&#8221; by putting foam insulation an extra couple of feet lower in my basement wasn&#8217;t worth it. Then gas prices when up 50% this year and woah! I should have done the extra foam when I first heard of it, it would be paid off after this winter.</p>
<p>Regards,<br />
Erich</p>
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