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	<title>Comments on: The A La Carte Method: Use Psychology Against Yourself to Save Money</title>
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	<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/</link>
	<description>Personal finance blog for college students, recent graduates and everyone else -- including entrepreneurship -- for getting rich. Featured in the Wall Street Journal and New York Times.</description>
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		<title>By: suzanne lowrie</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-101596</link>
		<dc:creator>suzanne lowrie</dc:creator>
		<pubDate>Fri, 19 Jun 2009 05:11:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-101596</guid>
		<description>I swim every morning 30 days a month at the YMCA. I use Amazon prime to send gifts to my two adult children and to buy many things in addition to books. So, nope. Not canceling. However, I&#039;m shifting to basic cable and I&#039;m pursuing an &quot;interest reduction&quot; plan for my mortgage with my bank.  I got a senior citizen plan for my cell phone and save $7 per month=$33. I&#039;m replacing light bulbs with daylight flourescent. Fired the maid. I hate doing housework but if I think of housework as exercise, then OK, I&#039;m exercising more. I&#039;m buying less and more frequently to not waste food. I love the tip on setting up multiple savings accounts that are named for goals. I will haunt the airline websites looking for cheap tickets.</description>
		<content:encoded><![CDATA[<p>I swim every morning 30 days a month at the YMCA. I use Amazon prime to send gifts to my two adult children and to buy many things in addition to books. So, nope. Not canceling. However, I&#8217;m shifting to basic cable and I&#8217;m pursuing an &#8220;interest reduction&#8221; plan for my mortgage with my bank.  I got a senior citizen plan for my cell phone and save $7 per month=$33. I&#8217;m replacing light bulbs with daylight flourescent. Fired the maid. I hate doing housework but if I think of housework as exercise, then OK, I&#8217;m exercising more. I&#8217;m buying less and more frequently to not waste food. I love the tip on setting up multiple savings accounts that are named for goals. I will haunt the airline websites looking for cheap tickets.</p>
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		<title>By: The Best Deal in Dance You&#8217;re Not Taking Advantage Of &#171; Dancing Through the Recession</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-100514</link>
		<dc:creator>The Best Deal in Dance You&#8217;re Not Taking Advantage Of &#171; Dancing Through the Recession</dc:creator>
		<pubDate>Sat, 06 Jun 2009 21:25:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-100514</guid>
		<description>[...] one class. It&#8217;s easy, it&#8217;s simple, and it&#8217;s highly inefficient. While there are distinct benefits to purchasing ala carte rather than packages or a subscription, when it comes to dance you can [...]</description>
		<content:encoded><![CDATA[<p>[...] one class. It&#8217;s easy, it&#8217;s simple, and it&#8217;s highly inefficient. While there are distinct benefits to purchasing ala carte rather than packages or a subscription, when it comes to dance you can [...]</p>
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		<title>By: How to Become a More Frugal Web Worker</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-99957</link>
		<dc:creator>How to Become a More Frugal Web Worker</dc:creator>
		<pubDate>Sun, 31 May 2009 12:59:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-99957</guid>
		<description>[...] Most of the downloads from iTunes are paid, so you might be wondering what makes it frugal. For me, ordering entertainment &#8220;à la carte&#8221; can often be cheaper, especially since I&#8217;ll be careful about where both my time and my money [...]</description>
		<content:encoded><![CDATA[<p>[...] Most of the downloads from iTunes are paid, so you might be wondering what makes it frugal. For me, ordering entertainment &#8220;à la carte&#8221; can often be cheaper, especially since I&#8217;ll be careful about where both my time and my money [...]</p>
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		<title>By: Technotheory.com - To manage your money with less effort and greater returns, follow these steps from Ramit Sethi</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-99450</link>
		<dc:creator>Technotheory.com - To manage your money with less effort and greater returns, follow these steps from Ramit Sethi</dc:creator>
		<pubDate>Tue, 26 May 2009 03:59:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-99450</guid>
		<description>[...] Ramit goes into lots of depth into “the a la carte method,” which is an approach to rethinking the recurring payments and subscriptions in our lives to [...]</description>
		<content:encoded><![CDATA[<p>[...] Ramit goes into lots of depth into “the a la carte method,” which is an approach to rethinking the recurring payments and subscriptions in our lives to [...]</p>
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		<title>By: Professional SAHM</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-91508</link>
		<dc:creator>Professional SAHM</dc:creator>
		<pubDate>Mon, 09 Mar 2009 08:47:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-91508</guid>
		<description>[...] The A La Carte Method: Use Psychology Against Yourself to Save Money [...]</description>
		<content:encoded><![CDATA[<p>[...] The A La Carte Method: Use Psychology Against Yourself to Save Money [...]</p>
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		<title>By: 2009 is Better for Gym Rats</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-85633</link>
		<dc:creator>2009 is Better for Gym Rats</dc:creator>
		<pubDate>Sun, 04 Jan 2009 11:21:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-85633</guid>
		<description>[...] Gyms make their profit by expecting a drop-out rate (just like rebates) which happens around 30 days and slows down at 90 days with about a 20-30% average drop-out rate. For most, it&#8217;s actually better to pay as you go. Ramit with iwillteachyoutoberich.com calls it the A La Carte Method. [...]</description>
		<content:encoded><![CDATA[<p>[...] Gyms make their profit by expecting a drop-out rate (just like rebates) which happens around 30 days and slows down at 90 days with about a 20-30% average drop-out rate. For most, it&#8217;s actually better to pay as you go. Ramit with iwillteachyoutoberich.com calls it the A La Carte Method. [...]</p>
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		<title>By: Saving Money on Subscriptions &#124; Credit Crunch Helpdesk</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-76484</link>
		<dc:creator>Saving Money on Subscriptions &#124; Credit Crunch Helpdesk</dc:creator>
		<pubDate>Tue, 07 Oct 2008 11:25:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-76484</guid>
		<description>[...] Sethi in his post explaining the &#8220;A la Carte method of saving money&#8221; claims that we often overspend on services that we subscribe to as, after an initial blaze [...]</description>
		<content:encoded><![CDATA[<p>[...] Sethi in his post explaining the &#8220;A la Carte method of saving money&#8221; claims that we often overspend on services that we subscribe to as, after an initial blaze [...]</p>
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		<title>By: Karis Dillon</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-76476</link>
		<dc:creator>Karis Dillon</dc:creator>
		<pubDate>Tue, 07 Oct 2008 10:31:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-76476</guid>
		<description>I agree. We often overspend on subscriptions just because of the convenience of knowing the money has gone out of out account at the start of the month (then we don&#039;t have to worry about finding the money to do something when things get tight at the end of the month). In our experience (in the UK), if you try to cancel a membership ...say to telecommunications providers....they will often offer an enticing deal to stay which saves money anyway. However, I wondered if a less disruptive way that cancelling subscriptions was to keep a log of service usage over a month, total the amount that would have been spent on payas you go , then make a decision.</description>
		<content:encoded><![CDATA[<p>I agree. We often overspend on subscriptions just because of the convenience of knowing the money has gone out of out account at the start of the month (then we don&#8217;t have to worry about finding the money to do something when things get tight at the end of the month). In our experience (in the UK), if you try to cancel a membership &#8230;say to telecommunications providers&#8230;.they will often offer an enticing deal to stay which saves money anyway. However, I wondered if a less disruptive way that cancelling subscriptions was to keep a log of service usage over a month, total the amount that would have been spent on payas you go , then make a decision.</p>
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		<title>By: Quick Wins: Three ways to save money fast &#124; Results Junkies</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-71257</link>
		<dc:creator>Quick Wins: Three ways to save money fast &#124; Results Junkies</dc:creator>
		<pubDate>Thu, 28 Aug 2008 04:31:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-71257</guid>
		<description>[...] or SMS credits on the account will save me at least $20/month. For the rest of your contracts, use the A La Carte method to save yourself some money or simply renogitiate your contracts &#8212; there&#8217;s no harm in [...]</description>
		<content:encoded><![CDATA[<p>[...] or SMS credits on the account will save me at least $20/month. For the rest of your contracts, use the A La Carte method to save yourself some money or simply renogitiate your contracts &#8212; there&#8217;s no harm in [...]</p>
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		<title>By: CableTechTalk &#187; Blog Archive &#187; Does A La Carte Always Make Sense?</title>
		<link>http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money/comment-page-2/#comment-68775</link>
		<dc:creator>CableTechTalk &#187; Blog Archive &#187; Does A La Carte Always Make Sense?</dc:creator>
		<pubDate>Mon, 04 Aug 2008 16:38:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/the-a-la-carte-method-use-psychology-against-yourself-to-save-money#comment-68775</guid>
		<description>[...] example, in early June the I Will Teach You To Be Rich blog argued in favor of cutting down on unneeded subscriptions: &#8220;Instead of paying for a ton of [...]</description>
		<content:encoded><![CDATA[<p>[...] example, in early June the I Will Teach You To Be Rich blog argued in favor of cutting down on unneeded subscriptions: &#8220;Instead of paying for a ton of [...]</p>
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