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	<title>Personal Finance Advice &#187; Personal Finance</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
	<lastBuildDate>Thu, 11 Mar 2010 07:01:21 +0000</lastBuildDate>
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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>8</slash:comments>
		</item>
		<item>
		<title>Keeping Control of Your Money</title>
		<link>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/</link>
		<comments>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 07:01:39 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[contracts]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[keep control]]></category>
		<category><![CDATA[money control]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5786</guid>
		<description><![CDATA[Have you ever thought about how much control over your financial life you give to companies when you sign up for things like cable, cell phone contracts, Internet access, loans, or credit cards? When you engage in most financial transactions, you are letting someone else have a little bit of control over your financial life. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Take Care of Your Stuff</title>
		<link>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/</link>
		<comments>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 07:01:03 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[possessions]]></category>
		<category><![CDATA[routine maintenance]]></category>
		<category><![CDATA[take care of your stuff]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5788</guid>
		<description><![CDATA[One of the ways we&#8217;ve managed to avoid debt is very simple: We take care of all of our possessions so that they will last. Making things last longer means we don&#8217;t have to replace them as often, saving us large amounts of money. This sounds like a no brainer, but I&#8217;m always surprised by [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Shopping List: A Simple Way to Save Money and Time</title>
		<link>http://www.pfadvice.com/2010/03/08/the-shopping-list-a-simple-way-to-save-money-and-time/</link>
		<comments>http://www.pfadvice.com/2010/03/08/the-shopping-list-a-simple-way-to-save-money-and-time/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 07:01:59 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<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[impulse purchases]]></category>
		<category><![CDATA[shopping list]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5784</guid>
		<description><![CDATA[A shopping list sounds like such a simple thing to do, but how many times have you arrived at the store with no list and no idea what you really need? It leads to frustration and overspending, doesn&#8217;t it? I hear you now: &#8220;A list takes too long to get together. When I need to [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/08/the-shopping-list-a-simple-way-to-save-money-and-time/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Get Over It</title>
		<link>http://www.pfadvice.com/2010/03/05/get-over-it/</link>
		<comments>http://www.pfadvice.com/2010/03/05/get-over-it/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 16:01:33 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[being happy]]></category>
		<category><![CDATA[getting angry]]></category>
		<category><![CDATA[influence]]></category>
		<category><![CDATA[petty things]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5768</guid>
		<description><![CDATA[It is hard for me to believe that I have been writing here at Saving Advice for close to two years now.  After about 150 columns, I am pleased to count many of you among my new friends!  I&#8217;ve also developed a sense of how readers are likely to react to anything that [...]]]></description>
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		<slash:comments>11</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>
		<item>
		<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>
		<item>
		<title>A Life Without Debt: It&#8217;s a Strange Time Warp</title>
		<link>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/</link>
		<comments>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 07:01:13 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free life]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[slow pace life]]></category>
		<category><![CDATA[time warp]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5759</guid>
		<description><![CDATA[I&#8217;ve been giving this some thought lately and I&#8217;m beginning to suspect that time moves differently for debt free people than for those with loads of debt. Speaking from my own experience and the experiences of other debt free people that I know, the debt free seem to experience life at a much slower pace [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<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>
		<item>
		<title>Good Reasons To Spend Money</title>
		<link>http://www.pfadvice.com/2010/02/27/good-reasons-to-spend-money/</link>
		<comments>http://www.pfadvice.com/2010/02/27/good-reasons-to-spend-money/#comments</comments>
		<pubDate>Sun, 28 Feb 2010 03:29:52 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[how to spend money]]></category>
		<category><![CDATA[spend money]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[spending wisely]]></category>
		<category><![CDATA[Tavalon Tea]]></category>
		<category><![CDATA[tea]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5766</guid>
		<description><![CDATA[There are a lot of reasons to spend money and each of us has his or her own.  Our attitudes and perspectives are forged over lifetimes spent earning and spending and enjoying and regretting.  I can look at any number of purchases and feel that I have made a good buying decision.  [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/27/good-reasons-to-spend-money/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
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