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	<title>Personal Finance Advice &#187; budget</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>Don&#8217;t Make A Long-Term Commitment If You Don&#8217;t Have To</title>
		<link>http://www.pfadvice.com/2011/11/29/dont-make-a-long-term-commitment-if-you-dont-have-to/</link>
		<comments>http://www.pfadvice.com/2011/11/29/dont-make-a-long-term-commitment-if-you-dont-have-to/#comments</comments>
		<pubDate>Tue, 29 Nov 2011 17:25:55 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cable TV contract]]></category>
		<category><![CDATA[cell phone contract]]></category>
		<category><![CDATA[club membership]]></category>
		<category><![CDATA[gym contract]]></category>
		<category><![CDATA[monthly expense]]></category>
		<category><![CDATA[monthly services]]></category>
		<category><![CDATA[Netflix]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8231</guid>
		<description><![CDATA[Many people have large contractual or recurring monthly expenses in their budget. Cell phones, gym memberships, club memberships, cable/satellite TV, and data plans for tablets are just a few of the ongoing expenses you may face. These can really add up and you often end up paying even when no one is using the service [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/29/dont-make-a-long-term-commitment-if-you-dont-have-to/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Road To Wealth</title>
		<link>http://www.pfadvice.com/2011/11/19/the-road-to-wealth/</link>
		<comments>http://www.pfadvice.com/2011/11/19/the-road-to-wealth/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 17:23:15 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[creating a budget]]></category>
		<category><![CDATA[earn more]]></category>
		<category><![CDATA[money talks]]></category>
		<category><![CDATA[road to wealth]]></category>
		<category><![CDATA[spend less]]></category>
		<category><![CDATA[tweaking a budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8112</guid>
		<description><![CDATA[This is a guest post by Ashley at Money Talks The road to wealth may not be a smooth ride, but the fact remains you are either moving towards wealth, or you are moving towards poverty. Everyone moves along this road in one direction or the other. The path to wealth isn&#8217;t overly difficult or [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/19/the-road-to-wealth/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>Lessons Learned from the Netflix Price Hike</title>
		<link>http://www.pfadvice.com/2011/07/28/lessons-learned-from-the-netflix-price-hike/</link>
		<comments>http://www.pfadvice.com/2011/07/28/lessons-learned-from-the-netflix-price-hike/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 16:30:04 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cable]]></category>
		<category><![CDATA[customer complaint]]></category>
		<category><![CDATA[DVDs]]></category>
		<category><![CDATA[Netflix]]></category>
		<category><![CDATA[Netflix price increase]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7480</guid>
		<description><![CDATA[Last week Netflix raised their rates, increasing the price of some plans by as much as sixty percent. Where before a plan with one DVD out at a time and unlimited streaming was $9.99 per month, the same service will now cost $15.98. Ouch. The outrage online was swift and furious. Customers were losing a [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/07/28/lessons-learned-from-the-netflix-price-hike/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
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		<title>29 Ways to Quickly Create Breathing Space in a Budget</title>
		<link>http://www.pfadvice.com/2011/06/01/29-ways-to-quickly-create-breathing-space-in-a-budget/</link>
		<comments>http://www.pfadvice.com/2011/06/01/29-ways-to-quickly-create-breathing-space-in-a-budget/#comments</comments>
		<pubDate>Wed, 01 Jun 2011 09:38:52 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[extra money fast]]></category>
		<category><![CDATA[find cash]]></category>
		<category><![CDATA[find money]]></category>
		<category><![CDATA[need cash]]></category>
		<category><![CDATA[quick cash]]></category>
		<category><![CDATA[ways to make money]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7306</guid>
		<description><![CDATA[Sometimes you have to quickly create some breathing space in your budget. Maybe you lose a job, take a pay cut, or have an emergency that eats up your available cash. Things like getting another/better job, starting a vegetable garden, or moving can help, but they take time. When you need to find extra money [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/06/01/29-ways-to-quickly-create-breathing-space-in-a-budget/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Why American Vacations Are So Extravagant</title>
		<link>http://www.pfadvice.com/2010/12/03/why-american-vacations-are-so-extravagant/</link>
		<comments>http://www.pfadvice.com/2010/12/03/why-american-vacations-are-so-extravagant/#comments</comments>
		<pubDate>Fri, 03 Dec 2010 10:23:27 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[big vacation]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[expensive vacation]]></category>
		<category><![CDATA[travel expenses]]></category>
		<category><![CDATA[vacation]]></category>
		<category><![CDATA[vacation budget]]></category>
		<category><![CDATA[vacation time]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6794</guid>
		<description><![CDATA[I came across the results of an interesting survey on vacations. The survey asked respondents in the U.S. and Eu ropean countries how much they wouldspend per person on vacation in 2010. The categories ranged from &#8220;Nothing and staying at home&#8221; all the way up to &#8220;More than $2,472&#8243; per person. In the lowest spending [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/12/03/why-american-vacations-are-so-extravagant/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>When You Have to Keep Up With the Joneses</title>
		<link>http://www.pfadvice.com/2010/11/05/when-you-have-to-keep-up-with-the-joneses/</link>
		<comments>http://www.pfadvice.com/2010/11/05/when-you-have-to-keep-up-with-the-joneses/#comments</comments>
		<pubDate>Fri, 05 Nov 2010 10:33:38 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Food / Groceries]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[bring your own lunch]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[eating out]]></category>
		<category><![CDATA[Joneses]]></category>
		<category><![CDATA[keeping up with the Joneses]]></category>
		<category><![CDATA[work appearances]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6672</guid>
		<description><![CDATA[We often talk about keeping up with the Joneses. When we accuse someone of keeping up with the Joneses, we usually mean that they are buying cars, clothes, or other tangible items because their friends and neighbors have those items. They want to fit in with their peer group, so they try to mimic their [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/11/05/when-you-have-to-keep-up-with-the-joneses/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Princess Weddings: How To Start Married Life In Debt</title>
		<link>http://www.pfadvice.com/2010/11/02/princess-complex-weddings-equal-financial-disaster/</link>
		<comments>http://www.pfadvice.com/2010/11/02/princess-complex-weddings-equal-financial-disaster/#comments</comments>
		<pubDate>Tue, 02 Nov 2010 08:17:29 +0000</pubDate>
		<dc:creator>Beer Guy</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[beer guy]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budget compromise]]></category>
		<category><![CDATA[extravagant wedding]]></category>
		<category><![CDATA[financial mistake]]></category>
		<category><![CDATA[no expense spared]]></category>
		<category><![CDATA[perfect wedding]]></category>
		<category><![CDATA[princess complex]]></category>
		<category><![CDATA[princess wedding]]></category>
		<category><![CDATA[wedding budget]]></category>
		<category><![CDATA[wedding debt]]></category>
		<category><![CDATA[wedding loan]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6670</guid>
		<description><![CDATA[My friend is a complete idiot &#8212; which is a much worse insult than it may first appear since it&#8217;s being given by a guy who views drinking beer and watching TV as a worthy goal to strive for each and every day. I wish I could say it isn&#8217;t so, but I have always [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/11/02/princess-complex-weddings-equal-financial-disaster/feed/</wfw:commentRss>
		<slash:comments>18</slash:comments>
		</item>
		<item>
		<title>A Vacation May Be More Affordable Than You Think</title>
		<link>http://www.pfadvice.com/2010/10/08/a-vacation-may-be-more-affordable-than-you-think/</link>
		<comments>http://www.pfadvice.com/2010/10/08/a-vacation-may-be-more-affordable-than-you-think/#comments</comments>
		<pubDate>Fri, 08 Oct 2010 13:13:53 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[discount travel]]></category>
		<category><![CDATA[price compare]]></category>
		<category><![CDATA[price quotes]]></category>
		<category><![CDATA[vacation]]></category>
		<category><![CDATA[vacation research]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6528</guid>
		<description><![CDATA[I was recently helping a friend with her family&#8217;s vacation planning. They desperately wanted to go to Disney World, but felt like they couldn&#8217;t afford it. &#8220;It&#8217;s just so much more expensive than other places,&#8221; she said. I asked her what they were going to do instead. &#8220;Well, we&#8217;ll probably go to Cedar Point, instead. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/10/08/a-vacation-may-be-more-affordable-than-you-think/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Ways To Manage Your Household</title>
		<link>http://www.pfadvice.com/2010/09/14/ways-to-manage-your-household/</link>
		<comments>http://www.pfadvice.com/2010/09/14/ways-to-manage-your-household/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 09:31:06 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budget projects]]></category>
		<category><![CDATA[house manager]]></category>
		<category><![CDATA[household expenses]]></category>
		<category><![CDATA[household management]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6474</guid>
		<description><![CDATA[Managing a household is a full time job and it requires a lot of skill, patience and vision to do it well. Those of you who manage your households know what I am talking about. Unless you are organized and focused, waste is almost inevitable. Keeping the house well stocked with necessaries, dealing with vendors [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/09/14/ways-to-manage-your-household/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The Power of Conscious Thought</title>
		<link>http://www.pfadvice.com/2010/08/20/the-power-of-conscious-thought/</link>
		<comments>http://www.pfadvice.com/2010/08/20/the-power-of-conscious-thought/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 11:48:25 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[autopilot spending]]></category>
		<category><![CDATA[best deal]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[conscious thought]]></category>
		<category><![CDATA[do I need it]]></category>
		<category><![CDATA[eating]]></category>
		<category><![CDATA[exercising]]></category>
		<category><![CDATA[injury]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6423</guid>
		<description><![CDATA[Recently I&#8217;ve been restructuring my eating and exercising habits. I haven&#8217;t had any major health concerns or anything, but I&#8217;ve just come to the realization that I&#8217;m not getting any younger and my body just can&#8217;t take the level of abuse that I could heap on it when I was younger. This hasn&#8217;t been an [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/08/20/the-power-of-conscious-thought/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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