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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>11 Ways to Get Into an Expensive Hobby Without Busting the Budget</title>
		<link>http://www.pfadvice.com/2011/12/12/11-ways-to-get-into-an-expensive-hobby-without-busting-the-budget/</link>
		<comments>http://www.pfadvice.com/2011/12/12/11-ways-to-get-into-an-expensive-hobby-without-busting-the-budget/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 10:37:48 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[board games]]></category>
		<category><![CDATA[Euro-games]]></category>
		<category><![CDATA[expensive hobby]]></category>
		<category><![CDATA[hobby]]></category>
		<category><![CDATA[money maker]]></category>
		<category><![CDATA[set a budget]]></category>
		<category><![CDATA[share equipment]]></category>
		<category><![CDATA[used goods]]></category>
		<category><![CDATA[want list hobby specific]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8386</guid>
		<description><![CDATA[In the last six months or so I&#8217;ve discovered a new hobby: Board games. I&#8217;m not talking about games like Trivial Pursuit, Monopoly, LIFE and the like that are available at the big box stores. I&#8217;ve discovered what are commonly called &#8220;Euro-games&#8221; because they are designed in Europe by European designers. They aren&#8217;t generally available [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<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>
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		<slash:comments>2</slash:comments>
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		<title>Even the Wealthy Need A Budget</title>
		<link>http://www.pfadvice.com/2011/07/06/even-the-wealthy-need-a-budget/</link>
		<comments>http://www.pfadvice.com/2011/07/06/even-the-wealthy-need-a-budget/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 19:11:00 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[bigger budget]]></category>
		<category><![CDATA[blow money]]></category>
		<category><![CDATA[extra money]]></category>
		<category><![CDATA[lottery winners]]></category>
		<category><![CDATA[manage money]]></category>
		<category><![CDATA[need a budget]]></category>
		<category><![CDATA[tracking expenses]]></category>
		<category><![CDATA[tracking money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7412</guid>
		<description><![CDATA[Many people think that becoming wealthy means that they no longer have to budget. The logic goes that if you have enough money, it&#8217;s no longer important how much is spent on various categories. When you have extra money, you don&#8217;t have to track where it all goes, right? Wrong. Those who want to remain [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>What Traveling While Broke Taught Me About Finance</title>
		<link>http://www.pfadvice.com/2011/05/09/what-traveling-while-broke-taught-me-about-finance/</link>
		<comments>http://www.pfadvice.com/2011/05/09/what-traveling-while-broke-taught-me-about-finance/#comments</comments>
		<pubDate>Mon, 09 May 2011 09:27:44 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[cheap travel]]></category>
		<category><![CDATA[check change]]></category>
		<category><![CDATA[different lifestyle]]></category>
		<category><![CDATA[free travel]]></category>
		<category><![CDATA[haggle]]></category>
		<category><![CDATA[inexpensive travel]]></category>
		<category><![CDATA[live simply]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7224</guid>
		<description><![CDATA[When I was younger I traveled extensively on very little money. I still travel frequently, but these days I have a little more money and I prefer more comfortable experiences. (It&#8217;s just not as comfortable to sleep on the floor or in a tent as it was when I was twenty.) Some of the best [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Change Your Thinking</title>
		<link>http://www.pfadvice.com/2010/11/19/change-your-thinking/</link>
		<comments>http://www.pfadvice.com/2010/11/19/change-your-thinking/#comments</comments>
		<pubDate>Fri, 19 Nov 2010 10:54:15 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[change of thought]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[financial numbers]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[income and expenses]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6759</guid>
		<description><![CDATA[I&#8217;ve noticed that when most people think about their finances, they think in terms of their income and expenses. They think about how much they make per week or month and therefore that is how much they have to spend. However, the most financially successful people that I know think of their finances in terms [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
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		<title>Businesses That Should Not Be Thriving</title>
		<link>http://www.pfadvice.com/2010/09/02/businesses-that-should-not-be-thriving/</link>
		<comments>http://www.pfadvice.com/2010/09/02/businesses-that-should-not-be-thriving/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 09:39:47 +0000</pubDate>
		<dc:creator>Wixx</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Cars]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[businesses]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[spending money]]></category>
		<category><![CDATA[tough times]]></category>
		<category><![CDATA[what to spend money on]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6487</guid>
		<description><![CDATA[I have recently read a number of articles about the businesses which are being hit the hardest by the current downturn in US and well as the global economy. This got me thinking about the businesses that should be affected, even though apparently some of them aren&#8217;t. Giant Gas Guzzling SUVs: Not only are they [...]]]></description>
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		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Purchase Price Vs. Cost of Ownership</title>
		<link>http://www.pfadvice.com/2010/05/31/purchase-price-vs-cost-of-ownership/</link>
		<comments>http://www.pfadvice.com/2010/05/31/purchase-price-vs-cost-of-ownership/#comments</comments>
		<pubDate>Mon, 31 May 2010 07:01:19 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[cost of ownership]]></category>
		<category><![CDATA[iphone]]></category>
		<category><![CDATA[purchase price]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6137</guid>
		<description><![CDATA[When we shop, most of us are heavily influenced by the purchase price. For example, we see an iPhone in the store and think, &#8220;Oh, it&#8217;s $300. I have that much in my account, I can afford it.&#8221; What we think about less often is the true cost of ownership for that item. The true [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/31/purchase-price-vs-cost-of-ownership/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Use the Emergency Fund or Not?</title>
		<link>http://www.pfadvice.com/2010/04/14/use-the-emergency-fund-or-not/</link>
		<comments>http://www.pfadvice.com/2010/04/14/use-the-emergency-fund-or-not/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 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[cutting expenses]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[three month emergency fund]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5932</guid>
		<description><![CDATA[I have a friend who recently lost her job. She&#8217;s not the only income earner in the household, but she does contribute a good bit to the family&#8217;s finances. Fortunately, she has a three month emergency fund saved up. However, her proposed management of that fund leaves me scratching my head. On the day she [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/14/use-the-emergency-fund-or-not/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Scheduling to Save Money</title>
		<link>http://www.pfadvice.com/2010/04/12/scheduling-to-save-money/</link>
		<comments>http://www.pfadvice.com/2010/04/12/scheduling-to-save-money/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 07:01:26 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[making a schedule]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[schedule]]></category>
		<category><![CDATA[where your money goes]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5929</guid>
		<description><![CDATA[Believe it or not, your daily schedule says a lot about your spending habits. Is your schedule packed to the gills with spending opportunities? For example, do you schedule your days around eating out, going to the mall, or going to the movies? Are these the items on your to-do list that are most important? [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/12/scheduling-to-save-money/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<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 [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
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