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	<title>Personal Finance Advice &#187; Budgeting</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Dave Ramsey Financial Peace University Review: Week 4</title>
		<link>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/</link>
		<comments>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 07:01:21 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[15 year mortgage]]></category>
		<category><![CDATA[30 year mortgage]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debit cards]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[gazelle intense]]></category>
		<category><![CDATA[money myths]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5790</guid>
		<description><![CDATA[This is a series of posts about what you will find in Dave Ramsey&#8217;s Financial Peace University course. This is week four (week one &#8212; week two and week three)
This week&#8217;s lesson focused on getting out of debt. We&#8217;re getting to the meat of the plan now, and I was eager to hear Dave&#8217;s ideas [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
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		<title>Dave Ramsey Financial Peace University: Week 3</title>
		<link>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/</link>
		<comments>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 07:01:45 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget forms]]></category>
		<category><![CDATA[budget software]]></category>
		<category><![CDATA[cash flow planning]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[envelope system]]></category>
		<category><![CDATA[financial problems]]></category>
		<category><![CDATA[four walls]]></category>
		<category><![CDATA[giving]]></category>
		<category><![CDATA[money plan]]></category>
		<category><![CDATA[where the money is going]]></category>
		<category><![CDATA[zero based budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5763</guid>
		<description><![CDATA[This is a series of posts about what you will find in Dave Ramsey&#8217;s Financial Peace University course. This is week three (week one and week two)
The lesson for this week was cash flow planning, also known as budgeting. You could see everybody approaching this lesson with trepidation. Not only does it mean more work, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
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		<title>Kids and Money</title>
		<link>http://www.pfadvice.com/2010/03/03/kids-and-money/</link>
		<comments>http://www.pfadvice.com/2010/03/03/kids-and-money/#comments</comments>
		<pubDate>Wed, 03 Mar 2010 07:01:38 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[how to teach kids about money]]></category>
		<category><![CDATA[kids]]></category>
		<category><![CDATA[kids and money]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[teaching kids about money]]></category>
		<category><![CDATA[understanding money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5757</guid>
		<description><![CDATA[I remember when I was a kid, my parents would take the time to show me how money worked. (This was in the days before ATM&#8217;s and online banking.) My mom would show me how to write a check out to &#8220;cash,&#8221; hand it to the teller, and get cash in return. She showed me [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/03/kids-and-money/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
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		<title>The Advantages of a Simple Plan</title>
		<link>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/</link>
		<comments>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 07:47:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[making things simple]]></category>
		<category><![CDATA[not complicated]]></category>
		<category><![CDATA[simple]]></category>
		<category><![CDATA[simple budget]]></category>
		<category><![CDATA[simple financial plan]]></category>
		<category><![CDATA[uncomplicated]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5756</guid>
		<description><![CDATA[When people set out to make a budget or adhere to a financial plan, they sometimes make things so complicated that they have no chance of success. They set up accounts at many institutions, they open ten credit cards to maximize the rewards, they make too many rules about what can and cannot be bought, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/01/the-advantages-of-a-simple-plan/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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		<title>Dave Ramsey Financial Peace University: Week Two</title>
		<link>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/</link>
		<comments>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 07:01:13 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[active role]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[family finances]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[money and relationships]]></category>
		<category><![CDATA[money fights]]></category>
		<category><![CDATA[quickie budget]]></category>
		<category><![CDATA[spending habits]]></category>
		<category><![CDATA[teaching kids about money]]></category>
		<category><![CDATA[tithing]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5740</guid>
		<description><![CDATA[This is a series of posts about what you will find in Dave Ramsey&#8217;s Financial Peace University course. This is week two (week one)
This week&#8217;s lesson is about money and relationships. I was excited about this week because relationships are something that everyone has to deal with, no matter how much money they do or [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
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		<title>A Life Without Debt: Complacency Is The Enemy</title>
		<link>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/</link>
		<comments>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 07:01:41 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[apathetic]]></category>
		<category><![CDATA[complacency]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial life]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5738</guid>
		<description><![CDATA[One of the biggest enemies of a debt free life is complacency. Not only is it an enemy, it&#8217;s a very sneaky enemy. When you become complacent (apathetic is another good word for this problem) you relax too much. You stop worrying about where your money is going. You start spending more and more, thinking [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University: Week One</title>
		<link>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/</link>
		<comments>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 07:42:22 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[$1000]]></category>
		<category><![CDATA[$1000 emergency fund]]></category>
		<category><![CDATA[basic budget]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[money is amoral]]></category>
		<category><![CDATA[Week one]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5730</guid>
		<description><![CDATA[When I heard that Dave Ramsey&#8217;s Financial Peace University was being taught at my church this year, I was intrigued. I&#8217;ve read Dave Ramsey&#8217;s books and heard his show on Fox Business channel, but I&#8217;ve always found myself wondering exactly what about him and his advice makes people shell out $100 for the thirteen week [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/feed/</wfw:commentRss>
		<slash:comments>17</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: The Debt Free Hobbyist</title>
		<link>http://www.pfadvice.com/2010/02/16/a-life-without-debt-the-debt-free-hobbyist/</link>
		<comments>http://www.pfadvice.com/2010/02/16/a-life-without-debt-the-debt-free-hobbyist/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 07:01:31 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[hobbiest]]></category>
		<category><![CDATA[hobby]]></category>
		<category><![CDATA[photography]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5720</guid>
		<description><![CDATA[One of the great things about being debt free is the freedom it gives me to pursue the hobbies I love without compromising my participation because I&#8217;m tapped out. I recently got back into photography, something I&#8217;d done in high school but pushed aside over the years as other things took priority. To get started, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/16/a-life-without-debt-the-debt-free-hobbyist/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Five Myths About Being Debt Free</title>
		<link>http://www.pfadvice.com/2010/02/09/a-life-without-debt-five-myths-about-being-debt-free/</link>
		<comments>http://www.pfadvice.com/2010/02/09/a-life-without-debt-five-myths-about-being-debt-free/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 07:01:41 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free life]]></category>
		<category><![CDATA[debt myths]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[everything you want]]></category>
		<category><![CDATA[money problems]]></category>
		<category><![CDATA[money woes]]></category>
		<category><![CDATA[money worries]]></category>
		<category><![CDATA[no budget]]></category>
		<category><![CDATA[you're rich]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5704</guid>
		<description><![CDATA[Most people seem to have a lot of false beliefs about being debt free. They seem to think that those of us who are debt free never have to worry about money, or that we are somehow free from the concerns of everyday life. Some people work to become debt free because they believe that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/09/a-life-without-debt-five-myths-about-being-debt-free/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>The Importance of Identifying the Cause of the Problem</title>
		<link>http://www.pfadvice.com/2010/02/05/the-importance-of-identifying-the-cause-of-the-problem/</link>
		<comments>http://www.pfadvice.com/2010/02/05/the-importance-of-identifying-the-cause-of-the-problem/#comments</comments>
		<pubDate>Fri, 05 Feb 2010 07:01:19 +0000</pubDate>
		<dc:creator>Wixx</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial leaks]]></category>
		<category><![CDATA[reduce spending]]></category>
		<category><![CDATA[where is the money going]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5679</guid>
		<description><![CDATA[Regardless of whether you are looking to reduce spending for the purposes of debt reduction, or for saving, the first thing that must be done is to identify where you are spending money unwisely.  If you are not ready to be honest about a budget breaker, a vice, or a &#8216;treat,&#8217; then you are [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/05/the-importance-of-identifying-the-cause-of-the-problem/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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