http://www.money-tips.com.au en-us N/A andrew@clarkfamily.id.au Sat, 04 Feb 2012 21:25:20 EST 20 http://www.money-tips.com.au/articles/186/1/Being-Frugal-and-Saving-Money/Page1.html no@spam.com (Andrew Knight) Mon, 03 Nov 2008 15:35:45 EST http://www.money-tips.com.au/articles/186/1/Being-Frugal-and-Saving-Money/Page1.html