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	<title>Personal Finance Advice &#187; budget</title>
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	<description>Bridging the gap between saving money and investing</description>
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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>
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		<item>
		<title>A Debt Free Life: The Value of Debt Free Friends</title>
		<link>http://www.pfadvice.com/2009/11/24/a-debt-free-life-the-value-of-debt-free-friends/</link>
		<comments>http://www.pfadvice.com/2009/11/24/a-debt-free-life-the-value-of-debt-free-friends/#comments</comments>
		<pubDate>Tue, 24 Nov 2009 07:01:29 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[friendship]]></category>
		<category><![CDATA[good deal]]></category>
		<category><![CDATA[it's not in the budget]]></category>
		<category><![CDATA[saving tip]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5448</guid>
		<description><![CDATA[In the process of making out my Christmas card list for the year, I was struck by how many of our close friends are also debt free. I&#8217;ve never given it much thought, but there it was. We didn&#8217;t plan it this way, it just sort of evolved over the years. Like any sort of [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/24/a-debt-free-life-the-value-of-debt-free-friends/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>When It&#8217;s a Good Idea to Pay a Fee</title>
		<link>http://www.pfadvice.com/2009/10/12/when-its-a-good-idea-to-pay-a-fee/</link>
		<comments>http://www.pfadvice.com/2009/10/12/when-its-a-good-idea-to-pay-a-fee/#comments</comments>
		<pubDate>Mon, 12 Oct 2009 07:01:32 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bill payment fee]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card annual fee]]></category>
		<category><![CDATA[excessive fees]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[good faith estimate fee]]></category>
		<category><![CDATA[good fees]]></category>
		<category><![CDATA[hidden fees]]></category>
		<category><![CDATA[insurance filing fee]]></category>
		<category><![CDATA[parking fee]]></category>
		<category><![CDATA[recycling fee]]></category>
		<category><![CDATA[senseless fees]]></category>
		<category><![CDATA[ticket fee]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5264</guid>
		<description><![CDATA[If you spend any time in the frugal/budget world, you&#8217;re likely to come away with the idea that you should reject all fees. If it means switching banks, changing how you pay for things, switching airlines, or dumping credit cards, we&#8217;re taught to shun all fees. We&#8217;re taught to dodge anything that reeks of nickel-and-diming [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/10/12/when-its-a-good-idea-to-pay-a-fee/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>8 Reasons Why You Need to Read Your Bills Every Month</title>
		<link>http://www.pfadvice.com/2009/08/31/8-reasons-why-you-need-to-read-your-bills-every-month/</link>
		<comments>http://www.pfadvice.com/2009/08/31/8-reasons-why-you-need-to-read-your-bills-every-month/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 07:01:11 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[billing mistakes]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[change of terms]]></category>
		<category><![CDATA[cut the fat]]></category>
		<category><![CDATA[due dates]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[Fraud]]></category>
		<category><![CDATA[online bill pay]]></category>
		<category><![CDATA[paying bills]]></category>
		<category><![CDATA[promotional offers]]></category>
		<category><![CDATA[write checks]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5109</guid>
		<description><![CDATA[The mail comes, you glance at your bills and drop them in the &#8220;To Be Paid&#8221; pile. Then, on the appointed day, you write out the checks or direct the online bill pay to do its thing and then you forget about it until next month. In the process of paying your bills, do you [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/08/31/8-reasons-why-you-need-to-read-your-bills-every-month/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Five Things You Can Do Right Now To Improve Your Finances</title>
		<link>http://www.pfadvice.com/2009/05/15/five-things-you-can-do-right-now-to-improve-your-finances/</link>
		<comments>http://www.pfadvice.com/2009/05/15/five-things-you-can-do-right-now-to-improve-your-finances/#comments</comments>
		<pubDate>Fri, 15 May 2009 19:01:37 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[habits]]></category>
		<category><![CDATA[improve finances]]></category>
		<category><![CDATA[keep up with the Joneses]]></category>
		<category><![CDATA[track expenses]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4559</guid>
		<description><![CDATA[Lean economic times breed a kind of desperate rush to do something to save money &#8212; right now. While it&#8217;s always better to take a breath and think out practical steps to reach personal goals, there are basic changes we can all make immediately to begin to live within our means and to take full [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/05/15/five-things-you-can-do-right-now-to-improve-your-finances/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: The Decision to Remain Childless</title>
		<link>http://www.pfadvice.com/2009/04/21/a-life-without-debt-the-decision-to-remain-childless/</link>
		<comments>http://www.pfadvice.com/2009/04/21/a-life-without-debt-the-decision-to-remain-childless/#comments</comments>
		<pubDate>Tue, 21 Apr 2009 07:03:07 +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[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[DINKs]]></category>
		<category><![CDATA[dual income no kids]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[not having children]]></category>
		<category><![CDATA[retirement account]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4414</guid>
		<description><![CDATA[We are DINK’s (Dual Income No Kids). Many years ago we made the decision not to have kids. That decision didn’t have anything to do with money. On the contrary, we could have afforded kids quite easily. We just didn’t want kids. I’m the sort of person who likes to visit with my nieces and [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/04/21/a-life-without-debt-the-decision-to-remain-childless/feed/</wfw:commentRss>
		<slash:comments>31</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Dealing With Unexpected Expenses</title>
		<link>http://www.pfadvice.com/2009/03/31/a-life-without-debt-dealing-with-unexpected-expenses/</link>
		<comments>http://www.pfadvice.com/2009/03/31/a-life-without-debt-dealing-with-unexpected-expenses/#comments</comments>
		<pubDate>Tue, 31 Mar 2009 07:01:10 +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[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[defer expenses]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[unexpected expenses]]></category>
		<category><![CDATA[washing machine]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4296</guid>
		<description><![CDATA[Recently we got a bit of a shocker to our budget. The washing machine, out of nowhere, decided to give up on us. I can’t say I’m totally shocked; the poor thing was thirteen years old, after all. But still, it gave no warning before deciding to conk out completely. Turns out that the motor [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/03/31/a-life-without-debt-dealing-with-unexpected-expenses/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Couples and Money: Consultation vs Allowance</title>
		<link>http://www.pfadvice.com/2009/03/23/couples-and-money-consultation-vs-allowance/</link>
		<comments>http://www.pfadvice.com/2009/03/23/couples-and-money-consultation-vs-allowance/#comments</comments>
		<pubDate>Mon, 23 Mar 2009 08:15:41 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[allowance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[consult on purchases]]></category>
		<category><![CDATA[consultation]]></category>
		<category><![CDATA[couples and money]]></category>
		<category><![CDATA[create a budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4270</guid>
		<description><![CDATA[One piece of financial advice that I often see offered is this: If you are part of a couple, give each other a measure of freedom with the money you earn but consult each other on any purchases over $100. In some variations the consultation amount is $50 or even $20. Whatever the amount, the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/03/23/couples-and-money-consultation-vs-allowance/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Inexpensive Ways To Get Organized</title>
		<link>http://www.pfadvice.com/2009/03/20/inexpensive-ways-to-get-organized/</link>
		<comments>http://www.pfadvice.com/2009/03/20/inexpensive-ways-to-get-organized/#comments</comments>
		<pubDate>Fri, 20 Mar 2009 07:12:17 +0000</pubDate>
		<dc:creator>Amy L. Fontinelle</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[accordion folder]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[clutter]]></category>
		<category><![CDATA[containers]]></category>
		<category><![CDATA[file box]]></category>
		<category><![CDATA[maximize space]]></category>
		<category><![CDATA[organize]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4195</guid>
		<description><![CDATA[If you can’t afford the luxury of a professional crew of organizers and designers to organize your clutter and maximize your space, that doesn’t mean you have to keep living in chaos. Those of us on a budget still have plenty of options for getting organized. All you need to get started is some time [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/03/20/inexpensive-ways-to-get-organized/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Trash the Budget and Get Happy</title>
		<link>http://www.pfadvice.com/2009/01/18/trash-your-budget/</link>
		<comments>http://www.pfadvice.com/2009/01/18/trash-your-budget/#comments</comments>
		<pubDate>Sun, 18 Jan 2009 15:01:33 +0000</pubDate>
		<dc:creator>M. Beddingfield</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[how to budget]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[save money without budgeting]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3841</guid>
		<description><![CDATA[In 2008 you worried and logged every cent you made. You made out a budget and tried to stick to it. Every month you failed. Something came up and you overspent. It caused a great deal of tension and maybe even some arguments between you and your beloved spouse. It even made the kids feel [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/01/18/trash-your-budget/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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