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    <title>The Toyguy's Blog</title>
    <link>http://toyguy1963.savingadvice.com</link>
    <description>Chugging along at a snail's pace.</description>
	<webMaster>info@savingadvice.com</webMaster>
	<managingEditor>Patrick</managingEditor>
    <language>en-us</language>
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      <title>a few notes for today</title>
      <link>http://toyguy1963.savingadvice.com/2009/11/03/a-few-notes-for-today_54803/</link>
      <description>My vacation is dwindling down and almost over with. Today was a fairly tame day again but overall a pretty good day.&lt;br /&gt;
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I voted today. The only really important thing was Issue 3 about allowing Casino gambling in Ohio. I voted for it. I'm not much of a gambler myself but I think people...</description>
      <pubDate>Tue, 03 Nov 2009 16:10:48 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>A Few Updates and 2 Payday Updates</title>
      <link>http://toyguy1963.savingadvice.com/2009/11/01/a-few-updates-and-2-payday-updates_54738/</link>
      <description>Haven't been on this site hardly at all for a few weeks. I hate it that I missed reading so many posts. &lt;br /&gt;
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Anyways I finally got the dental work done that I've been dreading. It was fairly minor stuff but EXTREMELY expensive. Insurance paid close to $1000 of it and I still have/had...</description>
      <pubDate>Sun, 01 Nov 2009 19:29:04 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Darn colds, and a payday update.</title>
      <link>http://toyguy1963.savingadvice.com/2009/10/06/darn-colds-and-a-payday-update_54141/</link>
      <description>Well I caught a cold Sunday night. Been fighting it off the past 2 days with aspirin and Airborne. I always get sick as temps change. I am still in on Fern's heat challenge even though its been cold in here. My heat tried to kick on once but turned it off. I also had some strange&lt;br /&gt;
electrical...</description>
      <pubDate>Tue, 06 Oct 2009 21:07:00 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>CRAZY spending spree.</title>
      <link>http://toyguy1963.savingadvice.com/2009/09/21/crazy-spending-spree_53747/</link>
      <description>Not really so crazy. But I did buy a couple unexpected things cause they were just too good to pass up. &lt;br /&gt;
Last night when leaving work several people were buying kitchen blenders. They were reduced down to one dollar. So I got one. I've never had a blender believe it or not but its...</description>
      <pubDate>Mon, 21 Sep 2009 15:31:19 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Payday</title>
      <link>http://toyguy1963.savingadvice.com/2009/09/20/payday_53709/</link>
      <description>Well Thursday I got my first ever direct deposited paycheck. It was pretty easy and painless but for me I would rather still get a paper paycheck and take it to the bank. Maybe I'm old fashioned.&lt;br /&gt;
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I deducted my regular budgeted amount and took out my spending money. My spending...</description>
      <pubDate>Sun, 20 Sep 2009 09:52:06 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Payday update.</title>
      <link>http://toyguy1963.savingadvice.com/2009/09/05/payday-update_53426/</link>
      <description>Thursday was payday and at least i'm writing it down on here sooner than I usually do.&lt;br /&gt;
After my regular budgeted amounts I put $50 towards extra Principal on my mortgage. I put $72 towards paying myself back for the last car I had done. I now still owe myself $160 for that.&lt;br /&gt;
Putting...</description>
      <pubDate>Sat, 05 Sep 2009 22:32:38 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Credit increase</title>
      <link>http://toyguy1963.savingadvice.com/2009/08/29/credit-increase_53258/</link>
      <description>Got a letter from Chase that they raised my credit limit from $7000 to 10,000.&lt;br /&gt;
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They really want me to spend some money.&lt;br /&gt;
It really doesn't matter cause I always charge basically the same things and pay them off when I get the bill. </description>
      <pubDate>Sat, 29 Aug 2009 08:42:22 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Payday update</title>
      <link>http://toyguy1963.savingadvice.com/2009/08/27/payday-update_53218/</link>
      <description>Sorry to anyone that may read this for being so slow updating. I always say that I'm a bit of a slacker. And my payday updates are basically to help me keep track of things. It really does help.&lt;br /&gt;
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Last Friday was my payday. After deducting my spending money and my regular budget it...</description>
      <pubDate>Thu, 27 Aug 2009 08:33:05 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>A few thoughts about winning a lottery. Sorry, very long winded.</title>
      <link>http://toyguy1963.savingadvice.com/2009/08/11/a-few-thoughts-about-winning-a-lottery-s_52865/</link>
      <description>I bought a Mega Millions (Lottery) ticket the other day and of course it starts one to dreaming. I realize that the odds of winning a  lottery are pretty bad. But I don't see anything wrong with playing once in a while responsibly. And eventually someone does win.&lt;br /&gt;
So FOREVER I've...</description>
      <pubDate>Tue, 11 Aug 2009 21:57:12 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Payday Update Time Again.</title>
      <link>http://toyguy1963.savingadvice.com/2009/08/11/payday-update-time-again_52864/</link>
      <description>Gee it seems like paydays are coming up fast lately. Thats really a pretty good thing but it seems like life is passing by too fast sometimes.&lt;br /&gt;
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Got paid last Friday. Put my usual $50 for extra Principal on my mortgage. I've been very good about that. Put a measly $9 into my E-Fund....</description>
      <pubDate>Tue, 11 Aug 2009 21:26:36 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Car Repaired</title>
      <link>http://toyguy1963.savingadvice.com/2009/07/28/car-repaired_52570/</link>
      <description>In my last post my cars warning lights were on and I had to take it in to fix whatever the problem was. I had hoped it was a free or low cost fix because the last time something similar happened it was just caused by a loose gas cap.&lt;br /&gt;
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Well it turned out to be the alternater. The...</description>
      <pubDate>Tue, 28 Jul 2009 08:48:26 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Payday Update Time</title>
      <link>http://toyguy1963.savingadvice.com/2009/07/26/payday-update-time_52544/</link>
      <description>Got paid this past Friday. It seems like it came quick this time since I posted my update like a week late last time.&lt;br /&gt;
&lt;br /&gt;
Put my usual $50 extra into my Mortgage Principal, and put $10 into E-Fund. After &lt;br /&gt;
all my normal expenses were budgeted for&lt;br /&gt;
I had $110 left over for cushion in...</description>
      <pubDate>Sun, 26 Jul 2009 09:55:24 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Belated Payday Update.</title>
      <link>http://toyguy1963.savingadvice.com/2009/07/16/belated-payday-update_52387/</link>
      <description>Lots of excuses but got paid this past Thursday and am just now updating it on here. I should make a blog about my excuses for not posting on my blog. &quot;Honest, the dog ate my blog. LOL.&lt;br /&gt;
&lt;br /&gt;
Anyways. Put $50 as usual towards the Principal on my mortgage. Put $20 towards 2010 IRA. And...</description>
      <pubDate>Thu, 16 Jul 2009 23:23:57 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Payday update time.</title>
      <link>http://toyguy1963.savingadvice.com/2009/06/27/payday-update-time_52005/</link>
      <description>Got my paycheck on Thursday night. Its been a little better lately than whats it was for a long time. It just depends on how much they cut my hours from week to week.&lt;br /&gt;
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I haven't been able to save much of anything lately. Been focusing on keeping my head above water and all the basic...</description>
      <pubDate>Sat, 27 Jun 2009 09:54:29 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Spent money on a service plan</title>
      <link>http://toyguy1963.savingadvice.com/2009/06/20/spent-money-on-a-service-plan_51862/</link>
      <description>Decided to get a service plan added to my gas bill that covers any inside repairs to my gas or electric lines. I normally &lt;br /&gt;
have always felt these kinds of plans were a waste of money and refused to buy&lt;br /&gt;
into them. But weighing the pros and cons I think that right now its a good investment....</description>
      <pubDate>Sat, 20 Jun 2009 22:20:43 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Payday update and couldn't get on here.</title>
      <link>http://toyguy1963.savingadvice.com/2009/06/11/payday-update-and-couldnt-get-on-here_51636/</link>
      <description>Did anyone else have problems with this website the last couple of days? It set my virus scanner off with a trojan virus. Then the next day there were no blogs to read. I was surprised when I got on today and it looks like nothing had happened.&lt;br /&gt;
&lt;br /&gt;
Anyways, today is payday. Its a real...</description>
      <pubDate>Thu, 11 Jun 2009 09:08:40 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Vacation Pics Number 4</title>
      <link>http://toyguy1963.savingadvice.com/2009/06/07/vacation-pics-number-4_51533/</link>
      <description>Last entry for the vacation pictures of Costa Rica. I'm glad some of you enjoyed seeing them and I enjoyed showing them.&lt;br /&gt;
&lt;br /&gt;
This is just a view of the forest from the canopy tour.&lt;br /&gt;
&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6345&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6345&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
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There were lots of leaf cutter ants and the sign points them out cause they bite.&lt;br /&gt;
&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6346&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6346&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
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Here...</description>
      <pubDate>Sun, 07 Jun 2009 09:52:00 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Vacation Pics number 3</title>
      <link>http://toyguy1963.savingadvice.com/2009/06/06/vacation-pics-number-3_51513/</link>
      <description>Hope I didn't bore anyone with the pictures. I took an aweful lot(Over 600). Just sharing some random ones that might be of interest to some of you. &lt;br /&gt;
&lt;br /&gt;
Nothing new financially except going back to work today. Thats tough after over 2 weeks off. &lt;br /&gt;
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Don't know what this bird was...</description>
      <pubDate>Sat, 06 Jun 2009 09:08:28 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Vacation pics number 2</title>
      <link>http://toyguy1963.savingadvice.com/2009/06/05/vacation-pics-number-2_51493/</link>
      <description>Here are some more Costa Rica pictures.&lt;br /&gt;
Thanks to everyone who took a look yesterday and for the comments.&lt;br /&gt;
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&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6315&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6315&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
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Howler Monkey.&lt;br /&gt;
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&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6316&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6316&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
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Oxcarts were what they first used to transport coffee so they are a very important symbol in Costa Rica.&lt;br /&gt;
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&lt;a href=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6317&amp;original=1&quot;&gt;&lt;img hspace=&quot;5&quot; src=&quot;http://blogs.savingadvice.com/image.php?blog=toyguy1963&amp;id=6317&amp;&amp;&quot; alt=&quot;&quot; align=&quot;&quot; border=&quot;2&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
This water slide was at...</description>
      <pubDate>Fri, 05 Jun 2009 11:06:42 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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      <title>Vacation pictures number 1</title>
      <link>http://toyguy1963.savingadvice.com/2009/06/04/vacation-pictures-number-1_51479/</link>
      <description>Here are a few pictures from my vacation in Costa Rica.&lt;br /&gt;
These first pics were from a boat ride&lt;br /&gt;
on a river there. I think its called Sarapiqua river.&lt;br /&gt;
The third pic is of the &quot;Jesus Christ&quot; lizard that can run across the water. Unfortunately I didn't see them do that.&lt;br /&gt;
I'll post some...</description>
      <pubDate>Thu, 04 Jun 2009 16:11:30 PST</pubDate>
	  <author>pokey7@yahoo.com (Patrick)</author>
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