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            <loc>http://www.frugal-living-tips.com/15-more-ways-to-save-money-at-the-grocery-store-using-coupons.html</loc>
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      <url>
            <loc>http://www.frugal-living-tips.com/3-ways-to-economize-food-habits.html</loc>
            <lastmod>2010-09-21T06:08:44-04:00</lastmod>
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      <url>
            <loc>http://www.frugal-living-tips.com/60-second-grilled-cheese.html</loc>
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      <url>
            <loc>http://www.frugal-living-tips.com/activities-for-kids.html</loc>
            <lastmod>2011-03-14T13:06:05-04:00</lastmod>
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              <image:caption>activities for Kids Chalk picture by crystl</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jaredsm.jpg</image:loc>
              <image:caption>finger puppets activities for kids picture by jared</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/adhesive-tape.html</loc>
            <lastmod>2010-02-25T11:35:29-05:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/dustpuppy.jpg</image:loc>
              <image:caption>adhesive tape by dustpuppy</image:caption>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/affordable-pet-care.html</loc>
            <lastmod>2011-11-08T10:13:23-05:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/yukari.jpg</image:loc>
              <image:caption>affordable pet care picture by Yukari on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/trainingcoversm.jpg</image:loc>
              <image:caption>Homemade cat food</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/a-frugal-lifestyle-for-me.html</loc>
            <lastmod>2009-11-22T13:03:51-05:00</lastmod>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/air-drying.html</loc>
            <lastmod>2011-06-22T09:44:32-04:00</lastmod>
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      <url>
            <loc>http://www.frugal-living-tips.com/aluminium-foil.html</loc>
            <lastmod>2010-02-25T11:35:29-05:00</lastmod>
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              <image:caption>aluminium foil by thingemejig</image:caption>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/aluminum-foil.html</loc>
            <lastmod>2011-06-22T09:57:23-04:00</lastmod>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/answering-service.html</loc>
            <lastmod>2010-02-25T09:10:01-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/telephone-higetiger.jpg</image:loc>
              <image:caption>answering service pictyure by higetiger</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/apple-crumble.html</loc>
            <lastmod>2011-06-23T07:52:04-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/applying-for-food-stamps.html</loc>
            <lastmod>2010-05-05T07:03:52-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/article-writing.html</loc>
            <lastmod>2011-06-23T08:03:35-04:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/baby-budget.html</loc>
            <lastmod>2011-08-03T08:30:59-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/markpilgrim.jpg</image:loc>
              <image:caption>baby budget clothes picture by mark pilgrim</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ebooksave.jpg</image:loc>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/erikhuiberts.jpg</image:loc>
              <image:caption>baby budget picture by erik huiberts</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/baby-shopping.html</loc>
            <lastmod>2011-09-07T11:19:30-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/baby-clothes.jpg</image:loc>
              <image:caption>baby clothes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/backpacking.html</loc>
            <lastmod>2010-02-24T14:21:09-05:00</lastmod>
            <priority>0.5</priority>
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              <image:loc>http://www.frugal-living-tips.com/image-files/davidlee2.jpg</image:loc>
              <image:caption>backpacking David Lee</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/davidlee4.jpg</image:loc>
              <image:caption>backpacking DAvid Lee</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-dbdbrobot.jpg</image:loc>
              <image:caption>by dbdbrobot on flickr.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/davidlee3.jpg</image:loc>
              <image:caption>backpacking David Lee</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/davidlee1.jpg</image:loc>
              <image:caption>backpacking David Lee</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/baked-chicken.html</loc>
            <lastmod>2011-06-23T08:14:38-04:00</lastmod>
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      <url>
            <loc>http://www.frugal-living-tips.com/beans-in-2-hours-start-to-finish.html</loc>
            <lastmod>2010-07-24T12:07:59-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/beating-the-high-cost-of-green-cleaning.html</loc>
            <lastmod>2011-05-11T12:24:38-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/be-creative-and-frugal-this-easter.html</loc>
            <lastmod>2010-04-19T09:51:37-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/be-creative-and-frugal-this-easter-21253140.jpg</image:loc>
              <image:caption>picture by rumpleteaser flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/beef-rolls.html</loc>
            <lastmod>2010-02-25T11:35:28-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/beef-by-jslander.jpg</image:loc>
              <image:caption>beef rolls frugal recipes -  picture by jslander</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/logo.jpg</image:loc>
              <image:caption>your description goes here</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/be-frugal-efficient-and-save-energy.html</loc>
            <lastmod>2010-04-15T10:36:20-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/be-frugal-efficient-and-save-energy-21253109.jpg</image:loc>
              <image:caption>picture by  Grayskullduggery</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/being-frugal.html</loc>
            <lastmod>2010-07-14T14:33:46-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/being-frugal.jpg</image:loc>
              <image:caption>being frugal</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-family.jpg</image:loc>
              <image:caption>frugal family</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/being-frugalvs.jpg</image:loc>
              <image:caption>being frugal</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-kids.jpg</image:loc>
              <image:caption>frugal kids</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/get-organised.jpg</image:loc>
              <image:caption>get organised</image:caption>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/belts.html</loc>
            <lastmod>2011-06-22T10:04:42-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/blmurchbelt.jpg</image:loc>
              <image:caption>strap by blmurch</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/best-ways-to-save-money.html</loc>
            <lastmod>2012-02-02T12:02:26-05:00</lastmod>
            <priority>0.9</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/bicarbonate-of-soda.html</loc>
            <lastmod>2010-02-25T11:35:29-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kafka4prez.jpg</image:loc>
              <image:caption>bicarbonate of soda by kafka 4prez</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/bird-watchingnature-watching.html</loc>
            <lastmod>2011-06-02T06:26:08-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/birthday-party.html</loc>
            <lastmod>2011-03-15T12:05:08-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tom@hk.jpg</image:loc>
              <image:caption>frugal birthday party - face painting by tom@hk</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/birthday-party-games.html</loc>
            <lastmod>2011-03-15T12:22:49-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/balloons.jpg</image:loc>
              <image:caption>birthday party games</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/bloody-mary-mix.html</loc>
            <lastmod>2011-06-23T08:34:55-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/bookmarkers.html</loc>
            <lastmod>2011-06-23T08:56:02-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/borax.html</loc>
            <lastmod>2010-02-25T11:35:30-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/billaday.jpg</image:loc>
              <image:caption>borax by billaday</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/bottle-caps.html</loc>
            <lastmod>2010-02-25T11:35:30-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ninetwentysevenphotography.jpg</image:loc>
              <image:caption>bottle caps by ninetwentysevenphotography</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/bricks.html</loc>
            <lastmod>2011-06-23T09:05:11-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/e453753.jpg</image:loc>
              <image:caption>bricks by e453753</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/brown-rice-in-chicken-stock.html</loc>
            <lastmod>2009-08-02T15:57:10-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/budget-backpacking.html</loc>
            <lastmod>2011-09-28T15:52:26-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jjonathan.jpg</image:loc>
              <image:caption>budget backpacking by jjonathan</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kevindooley.jpg</image:loc>
              <image:caption>budget backpacking by kevin dooley</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/fastphive.jpg</image:loc>
              <image:caption>budget backpacking by fastphive</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/budgeting-tips.html</loc>
            <lastmod>2010-03-24T10:19:40-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/sammy8146.jpg</image:loc>
              <image:caption>frugal budgeting by sammy8146</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/budget-living.html</loc>
            <lastmod>2010-07-14T14:33:46-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/theritterssm.jpg</image:loc>
              <image:caption>frugal families by the ritters on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-family.jpg</image:loc>
              <image:caption>frugal family</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/being-frugalvs.jpg</image:loc>
              <image:caption>being frugal</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-kids.jpg</image:loc>
              <image:caption>frugal kids</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/get-organised.jpg</image:loc>
              <image:caption>get organised</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/budget-planning.html</loc>
            <lastmod>2011-09-08T12:00:57-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bravenewtraveler.jpg</image:loc>
              <image:caption>financial planning by bravenewtraveler</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/budget-travel.html</loc>
            <lastmod>2012-01-12T05:20:09-05:00</lastmod>
            <priority>0.9</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/enil.jpg</image:loc>
              <image:caption>budget travel - cheap travel can still include cocktails by eNil</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kristinpia.jpg</image:loc>
              <image:caption>budget travel by kristinpia</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/buying-a-house.html</loc>
            <lastmod>2010-03-24T10:19:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tracyo.jpg</image:loc>
              <image:caption>home buying money picture  by tracy o</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/buying-online.html</loc>
            <lastmod>2011-06-02T04:26:44-04:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/stephenglauser.jpg</image:loc>
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            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/halfbisqued.jpg</image:loc>
              <image:caption>Parcel by half bisqued on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cable-and-internet-can-be-much-cheaper.html</loc>
            <lastmod>2010-01-14T05:03:38-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/calendars.html</loc>
            <lastmod>2011-12-21T06:02:40-05:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tanakawhocal.jpg</image:loc>
              <image:caption>calendars by tanakawho</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/camping-holidays.html</loc>
            <lastmod>2011-03-15T11:52:33-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/viewortheworld.jpg</image:loc>
              <image:caption>camping holidays cooking by viewoftheworld</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/dawnendico.jpg</image:loc>
              <image:caption>camping holidays by dawn Endico</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/camping-vacations.html</loc>
            <lastmod>2011-03-15T11:52:33-04:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/rv-travel-texas.jpg</image:loc>
              <image:caption>camping holidays Rv Texas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/rv-travel-arizona.jpg</image:loc>
              <image:caption>camping Holiday RV Arizona</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tattingstar2.jpg</image:loc>
              <image:caption>camping holidays  fire by tattingstar2</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/car-maintenance.html</loc>
            <lastmod>2011-03-14T12:40:37-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/carbook.jpg</image:loc>
              <image:caption>how to make your car last forever</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cashback.html</loc>
            <lastmod>2011-03-14T10:36:13-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cash160_green.gif</image:loc>
              <image:caption>cashback</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/treasuread.gif</image:loc>
              <image:caption>cashback</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cash-in-on-your-used-books-discs.html</loc>
            <lastmod>2010-07-23T13:33:10-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cat-litter.html</loc>
            <lastmod>2011-06-23T09:20:39-04:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jaypeg21.jpg</image:loc>
              <image:caption>cat litter - oil spill by jaypeg21</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/chalk-target-game.html</loc>
            <lastmod>2011-06-02T07:56:35-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-and-easy-chili.html</loc>
            <lastmod>2011-06-23T09:40:24-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/chilli-fotoosvanrobin.jpg</image:loc>
              <image:caption>chilli - picture by fotoosvanrobin</image:caption>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-books.html</loc>
            <lastmod>2011-04-21T14:06:30-04:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-christmas.html</loc>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/twostoutmonkssm.jpg</image:loc>
              <image:caption>frugal fun celebrations</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/laenulfeansm.jpg</image:loc>
              <image:caption>christmas frugal gifts - Christmas candle for frugal fun by Laenulfean on flickr</image:caption>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-computer-games.html</loc>
            <lastmod>2011-06-13T06:25:55-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/pc-games.jpg</image:loc>
              <image:caption>pc games by valerie everett</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-dates.html</loc>
            <lastmod>2011-03-15T12:22:48-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/zabaratango.jpg</image:loc>
              <image:caption>cheap dates - dancing on cheap dates is a low cost option by  Zabara Tango on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/eekthecat.jpg</image:loc>
              <image:caption>cheap dates - love hearts are a cheap dates gift option for some frugal fun by eek the cat on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/datesbook.gif</image:loc>
              <image:caption>cheap dates</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/velosteve.jpg</image:loc>
              <image:caption>cheap dates by Velo Steve on flickr</image:caption>
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      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-exercise.html</loc>
            <lastmod>2011-09-09T08:57:22-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/desiitaly.jpg</image:loc>
              <image:caption>cheap exercise - housework cheap exercise picture by desi.italy</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/johntrainor.jpg</image:loc>
              <image:caption>cheap exercises climbing stairs picture  by john trainor</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-family-vacations.html</loc>
            <lastmod>2011-03-15T11:52:34-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/johnkoetsier.jpg</image:loc>
              <image:caption>cheap family vacations by john koetsier</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/joshuadavis.jpg</image:loc>
              <image:caption>cheap family vacations - sandcastles by joshua davis</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tomeppy.jpg</image:loc>
              <image:caption>cheap family vacations by tomeppy</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-food.html</loc>
            <lastmod>2011-03-14T10:51:35-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/rickmccharles.jpg</image:loc>
              <image:caption>fruit and vegetables a healthy option for the frugal lifestyle by Rick mcCharles on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jennierf.jpg</image:loc>
              <image:caption>healthy cheap food by jennie RF on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-games.html</loc>
            <lastmod>2011-03-15T12:22:46-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/topher76.jpg</image:loc>
              <image:caption>cheap games - dice for some frugal fun by topher76 on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tanakehoo.jpg</image:loc>
              <image:caption>Cheap games by tanakawho on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-insurance.html</loc>
            <lastmod>2010-03-24T10:19:40-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/irinaslutsky.jpg</image:loc>
              <image:caption>car insurance by irina slutsky</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jeffbelmonte.jpg</image:loc>
              <image:caption>cheap insurance - house insurance by jeff belmonte</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jasonawhite.jpg</image:loc>
              <image:caption>cheap insurance to protect against accidents by jason a white</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-music.html</loc>
            <lastmod>2011-03-15T12:22:46-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/macieklewsm.jpg</image:loc>
              <image:caption>listening to music by Macieklew on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/alanaelliottsm.jpg</image:loc>
              <image:caption>CD&#39;s can be cheap music by Alana Elliott on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jrossolsm.jpg</image:loc>
              <image:caption>cheap music by jrossol on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheapo-the-magnificent.html</loc>
            <lastmod>2010-01-08T06:12:49-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-recipes.html</loc>
            <lastmod>2011-06-23T09:47:44-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/carrotsoup-adactio.jpg</image:loc>
              <image:caption>cheap recipes - carrot soup picture by adactio</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-recipes-bean-chilli.html</loc>
            <lastmod>2010-02-25T11:35:32-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/chilli-fotoosvanrobin.jpg</image:loc>
              <image:caption>cheap recipes - three bean chilli picture by fotoosvanrobin</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-recipes-leek-and-potato-pie.html</loc>
            <lastmod>2010-02-25T11:35:32-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/leekpie-evilhayama.jpg</image:loc>
              <image:caption>cheap recipes -  picture by evilhayama </image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-recipes-pasta-bake.html</loc>
            <lastmod>2011-06-23T09:54:29-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/pastabake-mccun934.jpg</image:loc>
              <image:caption>cheap recipes - vegetable pasta bake picture by mccun934</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-recipes-quick-pizza.html</loc>
            <lastmod>2011-06-30T11:45:35-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/pizza-wendalicious.jpg</image:loc>
              <image:caption>cheap recipes quick pizza</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-recipes-vegetable-soup.html</loc>
            <lastmod>2010-02-25T11:37:22-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/vegetablesoup-simon-aughton.jpg</image:loc>
              <image:caption>cheap recipes - vegetable soup picture by Simon Aughton</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-shopping.html</loc>
            <lastmod>2011-06-30T05:04:27-04:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-snacks.html</loc>
            <lastmod>2011-03-14T10:51:35-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/pattycolmer2.jpg</image:loc>
              <image:caption>fruit dips a cheap snacks option  by Patty colmer on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/editortupp2.jpg</image:loc>
              <image:caption>flap jacks  quick cheap snacks to make   by editor tupp on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/dannynic2.jpg</image:loc>
              <image:caption>Smoothies a healthy frugal food </image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheap-toys.html</loc>
            <lastmod>2011-08-03T08:31:00-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jonnersm.jpg</image:loc>
              <image:caption>cheap toys  - knitted doll cheap toy picture by jonner</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/geishaboy500sm.jpg</image:loc>
              <image:caption>cheap toys Tin Car picture  by geishaboy500</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ebooksave.jpg</image:loc>
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      <url>
            <loc>http://www.frugal-living-tips.com/cheap-wine.html</loc>
            <lastmod>2011-06-02T04:26:44-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jeffkubina2.jpg</image:loc>
              <image:caption>wine bottles for the frugal shopper by Jeff Kubina on Flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/yashima.jpg</image:loc>
              <image:caption>Cheap wine by yashima on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheddar-cauliflower-and-potato-soup.html</loc>
            <lastmod>2011-06-30T12:07:53-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-faeryboots.jpg</image:loc>
              <image:caption>cheddar califlower and potato soup -  picture by faeryboots</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cheese-ball.html</loc>
            <lastmod>2011-07-01T06:08:15-04:00</lastmod>
            <priority>0.6</priority>
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      <url>
            <loc>http://www.frugal-living-tips.com/cheese-pie.html</loc>
            <lastmod>2010-02-25T11:37:23-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cheesepie-starsammy.jpg</image:loc>
              <image:caption>cheese pie frugal recipes -  picture by starsammy</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/chicken-stew.html</loc>
            <lastmod>2011-07-01T06:40:09-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/chocolate-cake.html</loc>
            <lastmod>2010-02-25T11:37:23-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cake-nutmeg.jpg</image:loc>
              <image:caption>choclate cake frugal recipes -  picture by nutmeg</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/christmas-frugal-gifts.html</loc>
            <lastmod>2011-12-20T04:22:49-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/zeetzjonessm.jpg</image:loc>
              <image:caption>frugal christmas gifts by zeetz jones on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/christmas-tree.html</loc>
            <lastmod>2011-07-01T06:49:16-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/futureshape.jpg</image:loc>
              <image:caption>christmas tree by futureshape</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cinema-snacks-make-your-own.html</loc>
            <lastmod>2010-03-22T09:30:13-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/cinema-snacks-make-your-own-21253099.jpg</image:loc>
              <image:caption>picture by jspatchwork flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cleaning-jobs.html</loc>
            <lastmod>2010-02-25T09:10:42-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-valerie-everett.jpg</image:loc>
              <image:caption>cleaning jobs - picture by Valerie Everett</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/clear-nail-polish.html</loc>
            <lastmod>2011-07-01T07:03:19-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/clothing-care.html</loc>
            <lastmod>2011-03-14T12:40:36-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/chatirygirl.jpg</image:loc>
              <image:caption>clothing care picture by Chatirygirl on flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/coffee-grounds.html</loc>
            <lastmod>2011-07-01T07:12:36-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/conspicuous-consumption.html</loc>
            <lastmod>2010-03-04T08:23:29-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/consumerism-and-waste.html</loc>
            <lastmod>2010-01-22T05:04:19-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/contact-us.html</loc>
            <lastmod>2010-02-25T10:43:32-05:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/container-gardening.html</loc>
            <lastmod>2011-03-15T11:28:48-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tracytheastonishing.jpg</image:loc>
              <image:caption>container gardeining bath planter by tracy  the astonishing</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/andymcload.jpg</image:loc>
              <image:caption>container gardeining tyre planters by andy mcload</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/knebworthchap.jpg</image:loc>
              <image:caption>container gardening frugal gardeing by knebworthchap</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/mara.jpg</image:loc>
              <image:caption>container gardening watering can by mara</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>vegetable gardening ebook</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/fredandcharlie.jpg</image:loc>
              <image:caption>frugal gardening by fred and charlie</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/hive.jpg</image:loc>
              <image:caption>car planter by hive</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cooking-competition.html</loc>
            <lastmod>2011-07-04T10:31:04-04:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cooking-time-games-with-the-kids.html</loc>
            <lastmod>2010-01-26T06:12:39-05:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/cooking-time-games-with-the-kids-21253102.jpg</image:loc>
              <image:caption>Numbers Game - Picture by  stitchindye</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/coupon-organizer.html</loc>
            <lastmod>2011-03-14T10:36:14-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/thecouponizer.jpg</image:loc>
              <image:caption>the coupon organizer</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/Creamy-Bacon-Pasta.html</loc>
            <lastmod>2011-07-04T10:55:13-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/create-your-own-jigsaw-puzzles.html</loc>
            <lastmod>2011-06-02T07:59:52-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/creating-a-budget.html</loc>
            <lastmod>2011-06-22T10:19:50-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/creating-your-own-iceice-water.html</loc>
            <lastmod>2011-07-01T07:56:04-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/credit-card-advice.html</loc>
            <lastmod>2010-03-24T10:19:40-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/szlea.jpg</image:loc>
              <image:caption>credit card advice by szlea</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/squeakymarmot.jpg</image:loc>
              <image:caption>credit card advice by squeakymarmot</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/cut-drying-time.html</loc>
            <lastmod>2011-07-01T08:12:57-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/CV-writing.html</loc>
            <lastmod>2011-06-22T10:21:09-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/john-a-ward.jpg</image:loc>
              <image:caption>Cv writing will need a lot of keyboard work. Picture by John a Ward on flickr.com </image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/daily-frugal-tip-precycle-as-well-as-recycle.html</loc>
            <lastmod>2009-12-22T13:32:03-05:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/daily-frugal-tip-precycle-as-well-as-recycle-21253105.jpg</image:loc>
              <image:caption>picture by Borqje on Flicker</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/debt-free-living.html</loc>
            <lastmod>2010-05-26T11:24:20-04:00</lastmod>
            <priority>0.9</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/schnittke.jpg</image:loc>
              <image:caption>debt free living bills picture  by Schnittke</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/debt-reduction.html</loc>
            <lastmod>2010-05-26T11:23:27-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/Dill-potato-salad.html</loc>
            <lastmod>2011-07-04T09:20:11-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/dishwasher-leak.html</loc>
            <lastmod>2011-07-01T08:30:28-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/dont-buy-another-zip-lock-bag.html</loc>
            <lastmod>2010-02-23T04:35:08-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/downshifting.html</loc>
            <lastmod>2011-03-14T12:40:34-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/vivalibra574.jpg</image:loc>
              <image:caption>downshifting - simple living picture by vivalibra574 on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/rosino.jpg</image:loc>
              <image:caption>downsizing picture by rosino on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/downshifting-cannon.html</loc>
            <lastmod>2010-02-24T14:16:12-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-dbdbrobot.jpg</image:loc>
              <image:caption>by dbdbrobot on flickr.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cannon.jpg</image:loc>
              <image:caption>downshifting</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cannon2.jpg.gif</image:loc>
              <image:caption>the downshifter Richard Cannon</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/do-you-think-you-were-born-frugal.html</loc>
            <lastmod>2011-05-26T11:24:36-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/do-you-think-you-were-born-frugal-21512096.jpg</image:loc>
              <image:caption>frugal from birth or not - picture by MJ/TR (´&amp;#65381;&amp;#969;&amp;#65381;)</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/easter-gifts.html</loc>
            <lastmod>2011-03-15T12:05:07-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/paperbydesign.jpg</image:loc>
              <image:caption>easter gifts - Make Easter candles for a thrifty living  by paper by Design on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/katrinket.jpg</image:loc>
              <image:caption>Easter egg hunt by Katrinket on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/butterflysha.jpg</image:loc>
              <image:caption>easter gifts - easter eggs great easter gifts  by butterflysha on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/Easy-Cheesy-Corn-Bread.html</loc>
            <lastmod>2011-06-22T10:23:07-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/easy-coconut-macaroons-for-kids-to-make.html</loc>
            <lastmod>2011-06-02T06:55:31-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/easy-income.html</loc>
            <lastmod>2010-06-02T09:14:42-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/easy-income.jpg</image:loc>
              <image:caption>easy income by nDevilTV</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/easy-rosemary-chicken.html</loc>
            <lastmod>2011-07-04T09:32:19-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/eating-out-with-a-toddler.html</loc>
            <lastmod>2011-07-01T08:40:44-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/egg-cartons.html</loc>
            <lastmod>2010-02-25T11:40:11-05:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/extra-cash.html</loc>
            <lastmod>2010-02-25T09:09:57-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/mocvdleung.jpg</image:loc>
              <image:caption>extra cash - exams by mocvdleung</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/extra-income.html</loc>
            <lastmod>2011-06-22T10:25:03-04:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/extra-work.html</loc>
            <lastmod>2010-02-25T09:10:42-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-naixn.jpg</image:loc>
              <image:caption>extra work - watiter picture by naixn</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/family-games.html</loc>
            <lastmod>2011-06-10T09:57:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/board-games.jpg</image:loc>
              <image:caption>family games</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/family-life.html</loc>
            <lastmod>2011-03-14T13:06:05-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/pingnews.comsm.jpg</image:loc>
              <image:caption>activities for kids plane watching picture by pingnews.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/fillet-pork.html</loc>
            <lastmod>2011-07-04T09:49:12-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/film-extras.html</loc>
            <lastmod>2011-06-30T05:07:48-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/film-extras-garryknight.jpg</image:loc>
              <image:caption>Fim Extras by garry Knight on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/financial-freedom.html</loc>
            <lastmod>2011-12-14T05:35:53-05:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/financial-planning.html</loc>
            <lastmod>2011-10-27T07:11:33-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/normanack2.jpg</image:loc>
              <image:caption>financial planning - booties by normanack </image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/phillipc.jpg</image:loc>
              <image:caption>financial planning by phillipc</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/financial-scams.html</loc>
            <lastmod>2010-02-24T14:36:24-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/d70focus.jpg</image:loc>
              <image:caption>don&#39;t be scammed internet scams by D70focus</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/fish-in-mustard-sauce-recipe.html</loc>
            <lastmod>2010-02-01T11:27:08-05:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/fish-in-mustard-sauce-recipe-21253118.jpg</image:loc>
              <image:caption>fish in musturd sauce</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/flat-pack-furniture.html</loc>
            <lastmod>2010-02-25T09:09:59-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/flat-pack-furniture-thedigi.jpg</image:loc>
              <image:caption>flat pack furniture - picture by The Digital Pimp on flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/fresh-food.html</loc>
            <lastmod>2010-02-25T11:40:11-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/freshralphhogaboom.jpg</image:loc>
              <image:caption>fresh food picture by ralphhogaboom</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/frugal-activities.html</loc>
            <lastmod>2011-03-15T12:22:47-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/maessive.jpg</image:loc>
              <image:caption>cheap games in the garden by  maessive on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/frugal-and-free.html</loc>
            <lastmod>2011-03-14T10:51:33-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/foodthomaspix.jpg</image:loc>
              <image:caption>frugal and free picture by thomaspix.</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/foodcarly-art.jpg</image:loc>
              <image:caption>frugal and free picture by carly art</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/frugal-baby.html</loc>
            <lastmod>2011-08-03T08:31:00-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ninjapoodles2sm.jpg</image:loc>
              <image:caption>Frugal Baby picture by ninja poodles</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/twelvepawssm.jpg</image:loc>
              <image:caption>frugal baby - Re-usable diapers for the frugal baby picture by twelve paws</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/frugal-beauty.html</loc>
            <lastmod>2011-06-13T06:58:31-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lipstick.jpg</image:loc>
              <image:caption>frugal beauty picture by debs</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/frugal-beauty-haircuts.html</loc>
            <lastmod>2011-06-02T04:26:44-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/frugal-beauty-tips.html</loc>
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              <image:loc>http://www.frugal-living-tips.com/image-files/wtlphotos2.jpg</image:loc>
              <image:caption>frugal beauty tips - picture by WTL photos</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/sunshinecity.jpg</image:loc>
              <image:caption>frugal beauty tips - skin cream frugal beauty tips picture by sunshinecity</image:caption>
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            <loc>http://www.frugal-living-tips.com/frugal-beauty-tips1.html</loc>
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              <image:loc>http://www.frugal-living-tips.com/images/homemade-deodorant-21368643.jpg</image:loc>
              <image:caption>picture by Liz (perspicacious.org)</image:caption>
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            <loc>http://www.frugal-living-tips.com/frugal-birthday-party.html</loc>
            <lastmod>2011-03-15T12:05:08-04:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kk.jpg</image:loc>
              <image:caption>frugal birthday party - Pirate party by kk+</image:caption>
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              <image:caption>frugal breakfasts - Cereal a healthy frugal breakfast by Peter on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/sashertootie.jpg</image:loc>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
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            <image:image>
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              <image:caption>eggs the most frugal breakfast option by Cursedthing on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jeffkeen.jpg</image:loc>
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            <image:image>
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              <image:caption>frugal christmas by destinelee by flickr</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/drb62sm.jpg</image:loc>
              <image:caption>olive oil a frugal cleaning tip essential by DRB62 on flickr</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/mewtatesm.jpg</image:loc>
              <image:caption>lemons a great frugal cleaning tip by mewtate on flickr</image:caption>
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              <image:caption>frugal clothing shopping by  ruu on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/placelightonaproductsm.jpg</image:loc>
              <image:caption>happy frugal shopper by place light on a product on flickr</image:caption>
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              <image:caption>Old Suits Picture by TRL</image:caption>
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            <loc>http://www.frugal-living-tips.com/frugal-cooking.html</loc>
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              <image:loc>http://www.frugal-living-tips.com/image-files/bbqby-stijn.declercq.jpg</image:loc>
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            <loc>http://www.frugal-living-tips.com/frugal-cooking-with-herbs.html</loc>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/herbs.jpg</image:loc>
              <image:caption>Herbs</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-decorating.html</loc>
            <lastmod>2011-09-15T04:36:09-04:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/miniozzysm.jpg</image:loc>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/independantmansm.jpg</image:loc>
              <image:caption>frugal decorating - coloured curtains for interesting frugal decorating inspiration by independant man on flickr </image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/paulgoyettesm.jpg</image:loc>
              <image:caption>frugal decorating - blinds are great for the frugal homemaker by paul goyette on flickr</image:caption>
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            <loc>http://www.frugal-living-tips.com/frugal-dinners.html</loc>
            <lastmod>2010-04-28T10:53:06-04:00</lastmod>
            <priority>0.5</priority>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-eating.html</loc>
            <lastmod>2011-09-16T11:16:45-04:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/rpunsellsm.jpg</image:loc>
              <image:caption>frugal eating - burger by R&amp;punsell</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tbetsm.jpg</image:loc>
              <image:caption>frugal eating - deseret by t-bet</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/dangoodwinsm.jpg</image:loc>
              <image:caption>frugal eating - Water by dan goodwin</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-entertainment-tips.html</loc>
            <lastmod>2011-06-30T05:34:42-04:00</lastmod>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-families.html</loc>
            <lastmod>2012-02-02T12:29:54-05:00</lastmod>
            <priority>0.9</priority>
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              <image:loc>http://www.frugal-living-tips.com/image-files/flashprosm.jpg</image:loc>
              <image:caption>Frugal Families -  Mother and baby by Flash Pro</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/submitbutton.jpg</image:loc>
              <image:caption>frugal families submit button</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ebooksave.jpg</image:loc>
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            <loc>http://www.frugal-living-tips.com/frugal-family-tips.html</loc>
            <lastmod>2011-07-12T05:43:05-04:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/pegs-keko.jpg</image:loc>
              <image:caption>frugal family tips - clothes pegs by keko</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-fatigue-fact-or-fiction.html</loc>
            <lastmod>2010-03-19T09:03:47-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/frugal-fatigue-fact-or-fiction-21253133.jpg</image:loc>
              <image:caption>picture by Paul Swanson flicker</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-food.html</loc>
            <lastmod>2011-03-14T12:40:37-04:00</lastmod>
            <priority>0.9</priority>
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              <image:loc>http://www.frugal-living-tips.com/image-files/by-color-line.jpg</image:loc>
              <image:caption>frugal food picture by color line on flikr.com</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/horacekosm.jpg</image:loc>
              <image:caption>fresh veg frugal food  by horaceko on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/phunkstarrsm.jpg</image:loc>
              <image:caption>pasta and rice, cheap food  by phunkstarr on flickr</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-for-life.html</loc>
            <lastmod>2008-11-11T09:48:05-05:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/logo.jpg</image:loc>
              <image:caption>your description goes here</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/add-to-mymsn.gif</image:loc>
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              <image:loc>http://www.frugal-living-tips.com/image-files/add-to-google.gif</image:loc>
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            <loc>http://www.frugal-living-tips.com/frugal-forum.html</loc>
            <lastmod>2012-02-02T11:11:15-05:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/by-alexanderdrachmnn.jpg</image:loc>
              <image:caption>picture by alexander drachmann</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-forum-question-cheaper-cleaninghousehold-products.html</loc>
            <lastmod>2009-12-22T13:19:16-05:00</lastmod>
            <priority>0.4</priority>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-fuel.html</loc>
            <lastmod>2011-03-14T12:40:33-04:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/drown.jpg</image:loc>
              <image:caption>frugal fuel - old car, be a frugal fuel user.  pictureby drone on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/riza.jpg</image:loc>
              <image:caption>frugal fuel picture by Riza on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kb35.jpg</image:loc>
              <image:caption>frugal fuel - gas pumps save money and reduce your fuel needs.  picture by KB35 on flickr</image:caption>
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            <loc>http://www.frugal-living-tips.com/frugal-fun.html</loc>
            <lastmod>2012-01-19T06:09:42-05:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/powerbooktrancesm.jpg</image:loc>
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              <image:caption>frugal fun submit button</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/furryscalysm.jpg</image:loc>
              <image:caption>frugal fun christmas by furry scaly</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tracyhuntersm.jpg</image:loc>
              <image:caption>frugal fun - Easter eggs for cheap holidays by tracy hunter</image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/frugal-fun-with-old-socks.html</loc>
            <lastmod>2010-01-21T06:47:50-05:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/images/frugal-fun-with-old-socks-21253121.jpg</image:loc>
              <image:caption>picture by  bschmove flickr</image:caption>
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            <loc>http://www.frugal-living-tips.com/frugal-gardeining-tips-to-save-money-and-time.html</loc>
            <lastmod>2011-11-24T11:25:12-05:00</lastmod>
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            <loc>http://www.frugal-living-tips.com/frugal-garden.html</loc>
            <lastmod>2011-06-10T10:48:54-04:00</lastmod>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tools-for-gardening.jpg</image:loc>
              <image:caption>tools for gardening</image:caption>
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            <loc>http://www.frugal-living-tips.com/frugal-gardening.html</loc>
            <lastmod>2010-07-26T05:44:20-04:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/susie.jpg</image:loc>
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              <image:loc>http://www.frugal-living-tips.com/image-files/unhinderedbytalent.jpg</image:loc>
              <image:caption>frugal gardening - garden tools by unhindered by talent</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/cogdogblog.jpg</image:loc>
              <image:caption>frugal gardening - grow your own veg by cogdogblog</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/annie316.jpg</image:loc>
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              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>vegetable gardening ebook</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/yellowdogsm.jpg</image:loc>
              <image:caption>clutter by yellow dog on flickr</image:caption>
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              <image:loc>http://www.frugal-living-tips.com/image-files/being-frugalvs.jpg</image:loc>
              <image:caption>being frugal</image:caption>
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              <image:caption>get organised cat in box by BeccaG on flickr</image:caption>
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              <image:caption>frugal recipes</image:caption>
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              <image:caption>happy cheap  food by mojo daisy on flickr</image:caption>
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            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
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              <image:caption>fresh fruit salad cheap food for frugal school lunches by 46137 on flickr</image:caption>
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              <image:caption>fresh fruit for the frugal shopper by pistol peet on flickr</image:caption>
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            <lastmod>2011-07-01T10:50:30-04:00</lastmod>
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              <image:loc>http://www.frugal-living-tips.com/image-files/by-dbdbrobot.jpg</image:loc>
              <image:caption>by dbdbrobot on flickr.com</image:caption>
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              <image:caption>Dedicated to my mother, a real frugal person. </image:caption>
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      <url>
            <loc>http://www.frugal-living-tips.com/fun-secret-messages-kids-activity.html</loc>
            <lastmod>2011-06-02T06:53:28-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/garage-sales.html</loc>
            <lastmod>2011-03-14T12:40:34-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lucytartan.jpg</image:loc>
              <image:caption>garage sales picture by lucy tartan on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/macinate3.jpg</image:loc>
              <image:caption>garage sales picture by macinate on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/colros.jpg</image:loc>
              <image:caption>garage sales picture by colros on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/gardening-tools.html</loc>
            <lastmod>2011-03-15T11:28:46-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/califrayray.jpg</image:loc>
              <image:caption>gardening tools by califrayray</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>vegetable gardening ebook</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lonbow.jpg</image:loc>
              <image:caption>gardening tools Shovels by lonbow</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/macinate2.jpg</image:loc>
              <image:caption>gardening tools watering can by macinate</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/garden-landscaping.html</loc>
            <lastmod>2011-03-15T11:38:28-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/obenson.jpg</image:loc>
              <image:caption>garden landscaping - Poppies by Obenson</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>vegetable gardening ebook</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/micheall.jpg</image:loc>
              <image:caption>pallets for garden landscaping by Micheal L</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bhrgunatha.jpg</image:loc>
              <image:caption>garden landscaping - Rocks for garden landscaping by bhrgunatha</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/catherinetrigg.jpg</image:loc>
              <image:caption>garden landscaping - branches by catherine trigg</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/garden-tips.html</loc>
            <lastmod>2011-03-15T11:28:48-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/audreyjm529.jpg</image:loc>
              <image:caption>garden tips flower beds by audreyjm529</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/clatiek.jpg</image:loc>
              <image:caption>garden tips watering can by clatieK</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>vegetable gardening ebook</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/grahambones.jpg</image:loc>
              <image:caption>garden tips Mulch by Graham Bones</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/joi.jpg</image:loc>
              <image:caption>garden tips compost by Joi</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/general-money-saving-tips.html</loc>
            <lastmod>2011-11-24T11:51:14-05:00</lastmod>
            <priority>0.6</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/get-free-items-on-amazon-and-ebay-21377190.jpg</image:loc>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/getting-out-of-debt.html</loc>
            <lastmod>2010-05-26T11:28:04-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/krystn.jpg</image:loc>
              <image:caption>debt free living - debt crisis by Kryst£n</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/gift-coupons.html</loc>
            <lastmod>2011-06-30T10:30:14-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/gingerbread-cookies.html</loc>
            <lastmod>2011-07-13T09:36:56-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/go-natural.html</loc>
            <lastmod>2011-06-30T11:08:38-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/googleb50e7f90015fc94d.html</loc>
            <lastmod>2008-08-08T11:12:02-04:00</lastmod>
            <priority>0.6</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/logo.jpg</image:loc>
              <image:caption>your description goes here</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/googlebe548798497c4356.html</loc>
            <lastmod>2008-02-05T11:00:30-05:00</lastmod>
            <priority>0.6</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/logo.jpg</image:loc>
              <image:caption>your description goes here</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/great-gifts.html</loc>
            <lastmod>2011-07-04T10:19:21-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/greeting-cards.html</loc>
            <lastmod>2010-02-25T09:10:01-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cards-lunarpersuasion.jpg</image:loc>
              <image:caption>greeting cards picture by lunar persuasion on flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/groceries.html</loc>
            <lastmod>2011-07-08T08:24:57-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/grocery-coupons.html</loc>
            <lastmod>2011-08-25T07:49:29-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bravenewtraveler2.jpg</image:loc>
              <image:caption>magazines fro grocery coupons by bravenewtraveler on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/grow-your-own.html</loc>
            <lastmod>2011-03-15T11:28:47-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>grow your own ebook</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/zoyachubby2.jpg</image:loc>
              <image:caption>vegetable garden - seeds by zoychubby</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/tillwe2.jpg</image:loc>
              <image:caption>vegetable garden tips - Basil by tillwe</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/Guide-to-IVAs-and-dealing-with-unmanageable-debt.html</loc>
            <lastmod>2010-11-14T12:01:10-05:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/gutter-cleaning.html</loc>
            <lastmod>2010-02-25T09:10:01-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/gutterakeg.jpg</image:loc>
              <image:caption>gutter cleaning picture by akeg on flicker.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/hamburger-and-macaroni.html</loc>
            <lastmod>2011-07-15T06:15:24-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/handmade-paintings-from-photos.html</loc>
            <lastmod>2011-05-11T12:22:03-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/frugal-tip-free-shipping-for-handmade-paintings-from-photos-21479823.jpg</image:loc>
              <image:caption>Hand Painted from photo</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/healthy-snacks-for-kids.html</loc>
            <lastmod>2010-05-04T08:25:48-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kids- snacks.jpg</image:loc>
              <image:caption>Kids snacks picture by Pink Sherbet photography</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/hedge-trimming.html</loc>
            <lastmod>2010-02-25T09:10:00-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/hedge-dr-zweigelt.jpg</image:loc>
              <image:caption>hedge trimming picture by Dr Zweigelt</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/high-kids-fashion-on-a-shoe-string-budget.html</loc>
            <lastmod>2011-07-12T06:33:33-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/home-based-internet-business.html</loc>
            <lastmod>2011-06-22T10:57:54-04:00</lastmod>
            <priority>0.9</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/internet-business.jpg</image:loc>
              <image:caption>internet buisness</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/blog.jpg</image:loc>
              <image:caption>internet buisness</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/dollar.jpg</image:loc>
              <image:caption>internet buisness</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/question.jpg</image:loc>
              <image:caption>internet buisness</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/home-buying.html</loc>
            <lastmod>2010-03-24T10:19:42-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/post406.jpg</image:loc>
              <image:caption>home buying by post406</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/homemade-spice-rackcabinet-organizer.html</loc>
            <lastmod>2010-07-25T11:51:50-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/home-phone-savings.html</loc>
            <lastmod>2010-01-14T05:04:43-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/home-sewing.html</loc>
            <lastmod>2011-06-22T10:59:41-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lovetosew-pafair2.jpg</image:loc>
              <image:caption>home sewing people in costume</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-dbdbrobot.jpg</image:loc>
              <image:caption>by dbdbrobot on flickr.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lovetosew-jackiecatie1.jpg</image:loc>
              <image:caption>home sewing - two girls with dress</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lovetosew-petdesignerrebecc.jpg</image:loc>
              <image:caption>home sewing - girl sewing</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lovetosew-grp1.jpg</image:loc>
              <image:caption>home sewing - kids sewing</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lovetosew-lilly11.jpg</image:loc>
              <image:caption>home sewing - dog in coat</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lovetosew-lido1.jpg</image:loc>
              <image:caption>home sewing - dog with scarf</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/homeworking.html</loc>
            <lastmod>2010-03-24T10:19:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kellysue.jpg</image:loc>
              <image:caption>homeworking office by kelly sue</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/household-tips.html</loc>
            <lastmod>2011-07-12T06:20:25-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lemon-fujoshi.jpg</image:loc>
              <image:caption>household tips - lemons by Fujoshi</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/how-to-be-frugal.html</loc>
            <lastmod>2010-04-19T10:45:49-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-gardening.jpg</image:loc>
              <image:caption>frugal gardeing</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/how-to-build-a-website.html</loc>
            <lastmod>2010-06-15T13:21:36-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/internet-businessbig.jpg</image:loc>
              <image:caption>build a website</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/how-to-save-on-airfare.html</loc>
            <lastmod>2011-06-22T11:01:36-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/id-theft.html</loc>
            <lastmod>2010-03-24T10:19:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/id-nasrulekram.jpg</image:loc>
              <image:caption>id theft picture by nasrulekram on flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/impulse-shopping.html</loc>
            <lastmod>2011-03-14T10:36:17-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/commandzedsm.jpg</image:loc>
              <image:caption>impulse shopping by Command Zed on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/simonsheksm.jpg</image:loc>
              <image:caption>supermarket frugal shopping by Simon Shek on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ci1070_n160x600g1.jpg</image:loc>
              <image:caption>free coupons</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/codepoetsm.jpg</image:loc>
              <image:caption>shopping trolly  by code poet on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/index.html</loc>
            <lastmod>2011-12-02T08:13:56-05:00</lastmod>
            <priority>1.0</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/financial-freedom.jpg</image:loc>
              <image:caption>financial freedom</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/couponizer_banner.jpg</image:loc>
              <image:caption>coupon saving</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-food.jpg</image:loc>
              <image:caption>frugal food</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-celebrations.jpg</image:loc>
              <image:caption>budget celerations</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bank_account_120x60.gif</image:loc>
              <image:caption>Bank Accounts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-families.jpg</image:loc>
              <image:caption>frugal families</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-gardeningsm.jpg</image:loc>
              <image:caption>frugal gardening</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/subscribe.jpg</image:loc>
              <image:caption>Subscribe</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/saving-tips.jpg</image:loc>
              <image:caption>best ways to save money</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/rsspink.jpg</image:loc>
              <image:caption>Rss Icon</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-travel.jpg</image:loc>
              <image:caption>budget travel</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/budget-entertainment.jpg</image:loc>
              <image:caption>budget entertainment</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/home-tips.jpg</image:loc>
              <image:caption>home tips</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/shopping-malls.jpg</image:loc>
              <image:caption>budget shopping</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/frugal-shopping.jpg</image:loc>
              <image:caption>frugal shopping, shopping savings</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/indoor-gardening.html</loc>
            <lastmod>2011-03-15T11:28:50-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/darwinbell.jpg</image:loc>
              <image:caption>indoor gardening - frugal living seed containers by darwin bell</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>vegetable gardening ebook</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jspatchwork.jpg</image:loc>
              <image:caption>indoor gardeining seedlings by js patchwork</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/davidbaum.jpg</image:loc>
              <image:caption>indoor gardening - frugal living tomato plant by david baum</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/daxiangstef.jpg</image:loc>
              <image:caption>indoor gardening Herb garden by daxian stef</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/inexpensive-meals.html</loc>
            <lastmod>2010-05-07T08:39:46-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/potato-cakes.jpg</image:loc>
              <image:caption>potato cakes</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/soup.jpg</image:loc>
              <image:caption>frugal soup</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/pizza.jpg</image:loc>
              <image:caption>frugal pizza</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/ink-on-carpet.html</loc>
            <lastmod>2009-12-22T13:16:40-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/interviews.html</loc>
            <lastmod>2011-07-13T12:26:55-04:00</lastmod>
            <priority>0.9</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/judipict1.jpg</image:loc>
              <image:caption>interviews - Judi Harris</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-dbdbrobot.jpg</image:loc>
              <image:caption>by dbdbrobot on flickr.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/davidlee.jpg</image:loc>
              <image:caption>interviews David lee</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/john-harrisonsmall.jpg</image:loc>
              <image:caption>interviews - John Harrison</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/confessbutchersm.jpg</image:loc>
              <image:caption>interviews - confessions of a butcher</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cannon3.jpg</image:loc>
              <image:caption>interviews - richard Cannon</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/jam-jar-milkshake.html</loc>
            <lastmod>2011-05-11T12:39:18-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/jam-turnovers.html</loc>
            <lastmod>2010-06-09T04:41:13-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/kicken-chicken-with-honey-mustard-sauce.html</loc>
            <lastmod>2010-02-25T11:42:46-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/chicken-strips.jpg</image:loc>
              <image:caption>frugal recipe chicken strips picture by avlxyz</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/knowing-the-difference-between-cheap-frugal.html</loc>
            <lastmod>2010-09-20T04:32:09-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/knowing-the-difference-between-cheap-frugal-21398345.jpg</image:loc>
              <image:caption>Ms Frugalista</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/laundry-jobs.html</loc>
            <lastmod>2010-02-25T09:10:42-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-itsgreg.jpg</image:loc>
              <image:caption>laundry jobs - picture by It&#39;s Greg</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/laundry-tips.html</loc>
            <lastmod>2011-03-14T12:40:32-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/chatirygiry.jpg</image:loc>
              <image:caption>washing line laundry tips by Chatirygirl on flickr </image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/stephentrepreneur.jpg</image:loc>
              <image:caption>laundry tips pegs by stephentrepreneur on flickr </image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/lazy-wife-cake.html</loc>
            <lastmod>2009-04-17T04:20:34-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/lentil-bolognese.html</loc>
            <lastmod>2010-02-25T11:42:47-05:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/life-modelling.html</loc>
            <lastmod>2010-02-25T09:10:02-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/mark-cummins.jpg</image:loc>
              <image:caption>life modelling- picture by Mark cummins</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/lighting-a-charcoal-grill.html</loc>
            <lastmod>2011-07-11T07:43:40-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/link.html</loc>
            <lastmod>2010-02-25T10:47:27-05:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/living-on-one-income.html</loc>
            <lastmod>2010-07-06T09:49:57-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/living-on-one-income.jpg</image:loc>
              <image:caption>living on one income</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/lots-of-frugal-food-ideas.html</loc>
            <lastmod>2011-11-24T11:29:10-05:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/lots-of-frugal-shopping-tips.html</loc>
            <lastmod>2011-11-24T11:33:55-05:00</lastmod>
            <priority>0.6</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/consignmentconsign-and-buy-childrens-items-there-is-no-better-sale-than-resale-21253125.jpg</image:loc>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/lots-of-recycling-and-frugal-tips.html</loc>
            <lastmod>2011-06-30T05:53:47-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/make-do-and-mend-brighten-up-an-old-coat-for-spring.html</loc>
            <lastmod>2010-03-12T10:10:01-05:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/make-do-and-mend-brighten-up-an-old-coat-for-spring-21253115.jpg</image:loc>
              <image:caption>buttons - picture by monkey123 flicker.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/make-plaster-casts-of-leaves-children-activity.html</loc>
            <lastmod>2011-06-02T06:48:40-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/make-your-own-carpet-cleaning-solution-that-really-works.html</loc>
            <lastmod>2011-07-13T08:22:09-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/make-your-own-laundry-detergent.html</loc>
            <lastmod>2010-02-25T11:42:47-05:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/making-chilled-water.html</loc>
            <lastmod>2010-08-13T13:06:45-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/making-watch-batteries-last-longer.html</loc>
            <lastmod>2010-02-25T11:42:47-05:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/market-research.html</loc>
            <lastmod>2010-02-25T09:09:57-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ikhlasulamal.jpg</image:loc>
              <image:caption>extra income through market research by  ikhlasul amal</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/mattress-pads-frugal-tip.html</loc>
            <lastmod>2011-05-11T12:15:07-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/medical-experiments.html</loc>
            <lastmod>2010-02-25T09:09:57-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/greencolander.jpg</image:loc>
              <image:caption>pills by greencolander</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/memories-dont-come-with-a-price-tag.html</loc>
            <lastmod>2009-12-24T08:07:43-05:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/memories-dont-come-with-a-price-tag-21253112.jpg</image:loc>
              <image:caption> Old Fashion Christmas</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/milk-sweet.html</loc>
            <lastmod>2010-02-25T11:42:48-05:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/mixed-veggie-saute.html</loc>
            <lastmod>2009-08-03T04:46:53-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/money-news.html</loc>
            <lastmod>2011-07-08T08:57:03-04:00</lastmod>
            <priority>0.9</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/money-saving.html</loc>
            <lastmod>2010-03-24T10:19:41-04:00</lastmod>
            <priority>0.9</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/unhinderedbytalent2.jpg</image:loc>
              <image:caption>money saving by unhindered by talent</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/vnysia2.jpg</image:loc>
              <image:caption>money saving piggy bank by vnysia</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/money-saving-ideas.html</loc>
            <lastmod>2010-06-02T11:09:51-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/money-saving-tips.html</loc>
            <lastmod>2009-12-22T13:18:17-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/money-saving-tips2.html</loc>
            <lastmod>2010-06-25T09:26:39-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/rest-app.jpg</image:loc>
              <image:caption>restaurant app</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/milage.jpg</image:loc>
              <image:caption>milage</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/money-envelope.jpg</image:loc>
              <image:caption>money-envelope</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/shopulator.jpg</image:loc>
              <image:caption>shopulator</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/coupon-app.jpg</image:loc>
              <image:caption>coupon app</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kids-eat-for.jpg</image:loc>
              <image:caption>kids eat for free</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/xmas-app.jpg</image:loc>
              <image:caption>xmas app</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/gas-finder.jpg</image:loc>
              <image:caption>gas finder</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/shopping-list.jpg</image:loc>
              <image:caption>shopping list</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/barcode.jpg</image:loc>
              <image:caption>barcode</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/more-saving-tips.html</loc>
            <lastmod>2011-07-03T15:16:25-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/music-shopping.html</loc>
            <lastmod>2011-06-13T06:45:02-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/headphones.jpg</image:loc>
              <image:caption>cheap music - picture bu e-magic</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/my-frugal-cabin-decorating-tips.html</loc>
            <lastmod>2011-03-01T06:11:51-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/mystery-shopper.html</loc>
            <lastmod>2010-02-25T09:10:02-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/mystert-shopper-ralphbijker.jpg</image:loc>
              <image:caption>mystery shopper picture by ralph bijker</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/nappy-pie.html</loc>
            <lastmod>2011-06-30T09:30:30-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/nasty-toilet-stains.html</loc>
            <lastmod>2011-06-30T09:42:57-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/natural-pest-control.html</loc>
            <lastmod>2011-05-12T15:43:40-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/siriwan.jpg</image:loc>
              <image:caption>Peppermin is a good natural pest control detrrant picture by Sir Iwan on flickr </image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kill-ants.gif</image:loc>
              <image:caption>kill ants</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/peasap2.jpg</image:loc>
              <image:caption>Ladybird the frugal gardeners friend picture by Peasap on flickr </image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/never-worry-about-losing-your-luggage.html</loc>
            <lastmod>2011-06-30T09:55:28-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/no-backsies-frugal-saving-tip.html</loc>
            <lastmod>2011-02-01T17:19:16-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/no-frills.html</loc>
            <lastmod>2012-01-18T07:09:39-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/macinate2sm.jpg</image:loc>
              <image:caption>frugal decorating - A fish mobile used in my frugal decorating picture by macinate on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/billerrsm.jpg</image:loc>
              <image:caption>frugal decorating - beads can be used by the frugal homemaker  when decorating the home by bill err on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/no-frills-diy.html</loc>
            <lastmod>2011-03-14T12:40:31-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/buckskinfillysm.jpg</image:loc>
              <image:caption>no frills diy nail by buck skin filly on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jolienvallinssm.jpg</image:loc>
              <image:caption>no frills diy by olienvallins on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/not-buying-that-costume.html</loc>
            <lastmod>2011-06-30T06:08:23-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/online-business-ideas.html</loc>
            <lastmod>2010-06-18T08:02:59-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/online-selling.html</loc>
            <lastmod>2010-02-25T09:10:00-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kofoed.jpg</image:loc>
              <image:caption>online selling - picture by Kofoed on flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/papier-mache-gift-bowls-for-chrismas.html</loc>
            <lastmod>2011-06-02T06:42:30-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/party-planning.html</loc>
            <lastmod>2011-03-15T12:28:52-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/party-planning-crystl.jpg</image:loc>
              <image:caption>Party Planning Picture by Crystl on flicker.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/pasta-sauce-frugal-recipe.html</loc>
            <lastmod>2011-05-11T12:32:39-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/paying-off-debt.html</loc>
            <lastmod>2010-03-24T10:19:40-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/catatronic.jpg</image:loc>
              <image:caption>credit card advice by catatronic</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/penny-pincher.html</loc>
            <lastmod>2010-08-24T10:11:54-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/penny-pinching.html</loc>
            <lastmod>2010-05-11T06:46:18-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/pet-care-costs.html</loc>
            <lastmod>2011-09-12T12:01:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/dbrulz123.jpg</image:loc>
              <image:caption>affordable pet care - Dog kennel picture by dbrulz123 on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/kregsteppe.jpg</image:loc>
              <image:caption>affordable pet care - vet bills picture by kreg steppe on fliclr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/trainingcoversm.jpg</image:loc>
              <image:caption>Homemade cat food</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/pick-the-right-friends.html</loc>
            <lastmod>2011-03-12T13:07:31-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/pinto-beans-that-even-your-6-year-old-will-eat.html</loc>
            <lastmod>2009-07-23T06:42:47-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/planning-a-vegetable-garden.html</loc>
            <lastmod>2010-08-04T07:07:24-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/planning-a-vegetable-garden.jpg</image:loc>
              <image:caption>planning a vegetable garden picture by </image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/potato-candy-recipe.html</loc>
            <lastmod>2011-05-11T12:41:35-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/prepare-to-save-money-this-winter.html</loc>
            <lastmod>2010-09-18T11:52:38-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/price-matching-and-price-adjusting.html</loc>
            <lastmod>2011-06-30T06:14:02-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/printer-ink-costs.html</loc>
            <lastmod>2011-03-14T11:15:30-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ink-k0a1a.net.jpg</image:loc>
              <image:caption>printer ink picture by k0a1a.net</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/quick-and-easy-goulash.html</loc>
            <lastmod>2011-06-30T10:09:18-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/rat-race.html</loc>
            <lastmod>2010-05-27T10:43:31-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/reader.html</loc>
            <lastmod>2011-06-22T11:05:42-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/reader-zeroone.jpg</image:loc>
              <image:caption>reader - picture by ZeroOne</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/recycle-clothes.html</loc>
            <lastmod>2010-03-15T17:21:27-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/recycle-clothes-21253096.jpg</image:loc>
              <image:caption>picture by senoelx1 flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/retirement-saving.html</loc>
            <lastmod>2010-06-03T11:57:53-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/reuse-and-recycle-paper-tips.html</loc>
            <lastmod>2011-11-24T11:47:27-05:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/reuse-is-one-way-to-go.html</loc>
            <lastmod>2011-11-22T05:19:50-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/Roast-Vegetable-Pasta.html</loc>
            <lastmod>2011-07-03T15:05:36-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/room-to-rent.html</loc>
            <lastmod>2010-02-25T09:09:59-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/thetruethaboutmortgage.jpg</image:loc>
              <image:caption>room for rent picture by the trueth about mortgage on flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/rug-cleaning.html</loc>
            <lastmod>2011-06-30T11:35:20-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-money-by-saying-no-thanks-frugal-living-article.html</loc>
            <lastmod>2010-03-11T11:22:39-05:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/save-money-by-saying-no-thanks-frugal-living-article-21253128.jpg</image:loc>
              <image:caption>picture by nDevilTV flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-money-for-college.html</loc>
            <lastmod>2010-07-15T09:39:02-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-ajschwegler.jpg</image:loc>
              <image:caption>save money for college picture by ajschwegler </image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-money-on-computers.html</loc>
            <lastmod>2010-07-15T09:39:02-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-eurleif.jpg</image:loc>
              <image:caption>save money on computers picture by eurleif</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-money-on-furniture.html</loc>
            <lastmod>2010-07-15T09:39:03-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-andyrob.jpg</image:loc>
              <image:caption>save money on furniture picture by Andy Rob on flickr.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-money-on-groceries.html</loc>
            <lastmod>2010-07-18T07:46:39-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-qmnonic.jpg</image:loc>
              <image:caption>save money on groceries - picture by qmnomic on flicker.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-money-on-hotels.html</loc>
            <lastmod>2010-07-15T09:52:52-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-szeretlek-ma.jpg</image:loc>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-money-on-meat.html</loc>
            <lastmod>2011-05-27T07:51:50-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-crafts.html</loc>
            <lastmod>2010-07-15T09:52:52-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-payslmaginaire.jpg</image:loc>
              <image:caption>save on crafts picture by payslmaginaire</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-eating-out.html</loc>
            <lastmod>2011-06-22T11:08:25-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-electricity.html</loc>
            <lastmod>2011-06-02T04:26:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-caveman92223.jpg</image:loc>
              <image:caption>save on electricity - picture by caveman 92223</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-gas-bill.html</loc>
            <lastmod>2011-06-02T04:26:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-ckh.jpg</image:loc>
              <image:caption>save on gas bill picture by C.K.H on flickr.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-gasoline.html</loc>
            <lastmod>2011-06-22T11:10:14-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-midorisyu.jpg</image:loc>
              <image:caption>save on gasoline - picture by midorisyu</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-office-supplies.html</loc>
            <lastmod>2011-06-22T11:11:46-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-ginnerobot.jpg</image:loc>
              <image:caption>save on office supplies- picture by ginnerobot</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-phone-bills.html</loc>
            <lastmod>2010-07-15T09:39:05-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-alexander-oneill.jpg</image:loc>
              <image:caption>save on phone bills - picture by Alexander o&#39;neill on flicker.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/save-on-prescription-drugs.html</loc>
            <lastmod>2010-07-15T09:39:05-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-eating-out.jpg</image:loc>
              <image:caption>save on eating out</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-groceries.jpg</image:loc>
              <image:caption>save on groceries</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gas.jpg</image:loc>
              <image:caption>save on gas</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-hotels.jpg</image:loc>
              <image:caption>save on hotels</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-computers.jpg</image:loc>
              <image:caption>save on computers</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-office-supplies.jpg</image:loc>
              <image:caption>save on office supplies</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-airfares.jpg</image:loc>
              <image:caption>save on airfares</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-phone-bills.jpg</image:loc>
              <image:caption>save on phone bills</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-crafts.jpg</image:loc>
              <image:caption>save on crafts</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-furniture.jpg</image:loc>
              <image:caption>save on furniture</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-electricity.jpg</image:loc>
              <image:caption>save on electricity</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-gasoline.jpg</image:loc>
              <image:caption>save on gasoline</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-college.jpg</image:loc>
              <image:caption>save on college fees</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-mrtindc.jpg</image:loc>
              <image:caption>save on prescription drugs -picture by Mr T in DC</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/save-on-prescriptions.jpg</image:loc>
              <image:caption>save on prescriptions</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/saving-money-buy-shopping-at-consignment-stores.html</loc>
            <lastmod>2011-06-30T06:17:27-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/saving-tips.html</loc>
            <lastmod>2011-07-03T14:45:50-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/saving-tips-for-frugal-people.html</loc>
            <lastmod>2011-05-11T12:13:51-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/scammed.html</loc>
            <lastmod>2010-03-24T10:19:43-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/toastyken.jpg</image:loc>
              <image:caption>Scammed Hook line and sinker by Toastyken</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/second-hand-pants-too-frugal.html</loc>
            <lastmod>2010-03-23T10:50:04-04:00</lastmod>
            <priority>0.4</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/images/second-hand-pants-too-frugal-21253123.jpg</image:loc>
              <image:caption>picture by hirotomo flicker</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/self-sufficiency.html</loc>
            <lastmod>2011-09-24T12:14:29-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/john-harrison.jpg</image:loc>
              <image:caption>self sufficiency - john Harrison</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/by-dbdbrobot.jpg</image:loc>
              <image:caption>by dbdbrobot on flickr.com</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/vegetable-growing-2001.jpg</image:loc>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/shoe-care.html</loc>
            <lastmod>2011-03-14T12:40:36-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/shoes-doug88888.jpg</image:loc>
              <image:caption>shoe care picture by doug88888</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/shop-around.html</loc>
            <lastmod>2010-02-18T18:36:09-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/shop-at-a-garage-sale.html</loc>
            <lastmod>2011-06-30T08:43:38-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/simple-pleasures.html</loc>
            <lastmod>2011-11-03T08:03:50-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/nimbu.jpg</image:loc>
              <image:caption>simple pleasures - painting is a simple pleasure by nimbu on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/iwonakellie.jpg</image:loc>
              <image:caption>simple pleasures - A thrifty living and a simple one by iwona kellie on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/site-build-it-and-me.html</loc>
            <lastmod>2011-06-30T06:22:50-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/mesmall.jpg</image:loc>
              <image:caption>Kate And Sbi</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/Slow-Cooker-Honey-Teriyaki-Pork.html</loc>
            <lastmod>2011-06-30T08:30:55-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/smart-dollar-store-savings.html</loc>
            <lastmod>2011-06-30T06:44:19-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/something-recipe.html</loc>
            <lastmod>2011-06-30T06:53:45-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/spaghetti-pie.html</loc>
            <lastmod>2011-06-30T07:06:57-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/spend-your-money-wisely-and-give-a-gift-they-will-remember.html</loc>
            <lastmod>2010-12-09T06:59:47-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/start-online-business.html</loc>
            <lastmod>2010-06-09T10:09:51-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/storage-in-my-ceiling-space.html</loc>
            <lastmod>2010-01-16T09:25:42-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/student-accommodation.html</loc>
            <lastmod>2010-02-25T09:10:43-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/studentandrofire.jpg</image:loc>
              <image:caption>student accommodation - picture by Androfire on flickr.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/student-fun.html</loc>
            <lastmod>2011-03-15T12:22:47-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/lolliepop.jpg</image:loc>
              <image:caption>Student fun can be had by using a Bicycle by Lollie Pop on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/alreza.jpg</image:loc>
              <image:caption>student fun - Music Gig s for srudent fun by alreza on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/stewart.jpg</image:loc>
              <image:caption>student fun - Picnics can provide student fun  By Stewart on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/substitute-cooking.html</loc>
            <lastmod>2011-08-22T09:15:14-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/submit-recipes.jpg</image:loc>
              <image:caption>frugal recipes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/sundayfunday.html</loc>
            <lastmod>2011-06-02T06:39:26-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/tasty-spicy-vegetable-flan.html</loc>
            <lastmod>2009-11-27T15:27:17-05:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/tasty-wrap.html</loc>
            <lastmod>2010-02-25T11:45:14-05:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/telephone-bills.html</loc>
            <lastmod>2011-03-14T12:40:35-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/givepeasachance.jpg</image:loc>
              <image:caption>telephone bills picture by givepeasachance on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/milicasekulic.jpg</image:loc>
              <image:caption>telephone bills - mobile phones could help to save on your telephone bills picture by milica sekulic on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/teleworking.html</loc>
            <lastmod>2010-02-25T09:09:58-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/alejandro-the-great.jpg</image:loc>
              <image:caption>teleworking picture by Alejandro the great on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/texmex-beefy-mac.html</loc>
            <lastmod>2011-06-30T07:59:58-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/the-new-american-frugal-housewife.html</loc>
            <lastmod>2010-07-25T11:52:47-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/tips-for-saving-money-online.html</loc>
            <lastmod>2011-06-22T09:03:27-04:00</lastmod>
            <priority>0.6</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/tuna-cheese-spread.html</loc>
            <lastmod>2011-06-30T08:12:36-04:00</lastmod>
            <priority>0.5</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/turkey-chili-recipe-frugal-recipes.html</loc>
            <lastmod>2011-05-11T12:45:39-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/use-freecycle-and-save-big-time.html</loc>
            <lastmod>2010-04-15T10:08:42-04:00</lastmod>
            <priority>0.4</priority>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/valentine-gifts.html</loc>
            <lastmod>2012-01-24T09:16:17-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/sister72.jpg</image:loc>
              <image:caption>valentine gifts by sister72 on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jurvetson.jpg</image:loc>
              <image:caption>valentines box by jurvetson</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/ained.jpg</image:loc>
              <image:caption>heart cookies are a great frugal gift by ained on flickr</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/jessabc.jpg</image:loc>
              <image:caption>Candle light dinner for frugal fun by jessaBC on flickr</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/vegetable-garden.html</loc>
            <lastmod>2011-03-15T11:28:47-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/wtlphotos.jpg</image:loc>
              <image:caption>vegetable garden tomato by WTL photos</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/bookgraphic_500.jpg</image:loc>
              <image:caption>vegetable gardening ebook</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/thewanderingangel.jpg</image:loc>
              <image:caption>vegetable garden fruits by The Wandering Angel</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/voice-overs.html</loc>
            <lastmod>2010-02-25T09:09:59-05:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/hiddedevries.jpg</image:loc>
              <image:caption>voice overs work microphone picture by Hiddedevries on flicker.com</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/volunteer-vacations.html</loc>
            <lastmod>2011-03-15T11:52:35-04:00</lastmod>
            <priority>0.5</priority>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/davebezairesusihavensbezair.jpg</image:loc>
              <image:caption>volunteer vacations ny dave bezaire &amp; susi haven-bezaire</image:caption>
            </image:image>
            <image:image>
              <image:loc>http://www.frugal-living-tips.com/image-files/cracklowsfauxtoes.jpg</image:loc>
              <image:caption>volunteer vacations - grape picking by cracklow faux toes</image:caption>
            </image:image>
      </url>
      <url>
            <loc>http://www.frugal-living-tips.com/wahms.html</loc>
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