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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: 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>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>
		</item>
		<item>
		<title>A Life Without Debt: Managing Once a Year Expenses</title>
		<link>http://www.pfadvice.com/2010/01/19/a-life-without-debt-managing-once-a-year-expenses/</link>
		<comments>http://www.pfadvice.com/2010/01/19/a-life-without-debt-managing-once-a-year-expenses/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 07:01:36 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[Christmas spending]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[irregular expenses]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[monthly expenses]]></category>
		<category><![CDATA[paying bills]]></category>
		<category><![CDATA[property taxes]]></category>
		<category><![CDATA[trash collection]]></category>
		<category><![CDATA[yearly expenses]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5642</guid>
		<description><![CDATA[Those large expenses that don&#8217;t occur monthly are a big reason why some people end up in debt. Even people who are well intentioned and good at avoiding debt in other circumstances are often caught by surprise by these big expenses. Insurance, taxes, and other bills that are paid yearly rather than monthly are all [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/01/19/a-life-without-debt-managing-once-a-year-expenses/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Why Literacy Is An Important Financial Building Block</title>
		<link>http://www.pfadvice.com/2009/10/30/why-literacy-is-an-important-financial-building-block/</link>
		<comments>http://www.pfadvice.com/2009/10/30/why-literacy-is-an-important-financial-building-block/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 07:01:49 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[book clubs]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[comprehend]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[functionally illiterate]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[literacy]]></category>
		<category><![CDATA[literacy skills]]></category>
		<category><![CDATA[living wage]]></category>
		<category><![CDATA[read to kids]]></category>
		<category><![CDATA[read write]]></category>
		<category><![CDATA[reading choices]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[story hours]]></category>
		<category><![CDATA[summer reading]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5274</guid>
		<description><![CDATA[&#8220;More than 20 percent of adults read at or below a fifth-grade level — far below the level needed to earn a living wage.&#8221; &#8211; National Institute for Literacy
&#8220;Nearly half of America&#8217;s adults are poor readers, or &#8216;functionally illiterate.&#8217; They can&#8217;t carry out simple tasks like balancing check books, reading drug labels or writing essays [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/10/30/why-literacy-is-an-important-financial-building-block/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Saving For The Fun Of It</title>
		<link>http://www.pfadvice.com/2009/02/24/a-life-without-debt-saving/</link>
		<comments>http://www.pfadvice.com/2009/02/24/a-life-without-debt-saving/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 13:08:50 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[complacency]]></category>
		<category><![CDATA[cutting waste]]></category>
		<category><![CDATA[reducing costs]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4152</guid>
		<description><![CDATA[It sounds like a no-brainer, but a big part of what keeps us out of debt is simply not spending too much money. Whether it&#8217;s on splurge items or our regular budget items like utilities, clothing, etc. we are always careful never to spend more than we have. However, just like everyone else, we tend [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/02/24/a-life-without-debt-saving/feed/</wfw:commentRss>
		<slash:comments>11</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>
		</item>
		<item>
		<title>Why I Force My Kids to Contribute to Birthday Party Gifts</title>
		<link>http://www.pfadvice.com/2008/12/09/i-force-my-kids-to-contribute-to-birthday-party-gifts/</link>
		<comments>http://www.pfadvice.com/2008/12/09/i-force-my-kids-to-contribute-to-birthday-party-gifts/#comments</comments>
		<pubDate>Tue, 09 Dec 2008 08:12:09 +0000</pubDate>
		<dc:creator>David G. Mitchell</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[birthday gift]]></category>
		<category><![CDATA[birthday parties]]></category>
		<category><![CDATA[birthday party gift]]></category>
		<category><![CDATA[birthday party present]]></category>
		<category><![CDATA[too many parties]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3496</guid>
		<description><![CDATA[Although my wife and I may not be the most social of couples, our kids more than make up for our willingness to miss parties.  My kids have always been popular with their peers and, when they were younger, routinely received one or two birthday party invitations per month. Sometimes, they received invitations from [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/12/09/i-force-my-kids-to-contribute-to-birthday-party-gifts/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
		</item>
		<item>
		<title>Go After the High Hanging Financial Fruit</title>
		<link>http://www.pfadvice.com/2008/10/08/high-hanging-financial-fruit/</link>
		<comments>http://www.pfadvice.com/2008/10/08/high-hanging-financial-fruit/#comments</comments>
		<pubDate>Wed, 08 Oct 2008 14:40:31 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[reduce expenses]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2991</guid>
		<description><![CDATA[Not long ago I wrote about low hanging financial fruit. These are the easy things you can do to save money that don&#8217;t require a lot of time, effort, specialized knowledge, or lifestyle alterations. Now I&#8217;d like to move on to the high hanging financial fruit.
Once you&#8217;ve gotten into the habit of saving money and [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/10/08/high-hanging-financial-fruit/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How Come I&#8217;m Broke and You&#8217;re Not?</title>
		<link>http://www.pfadvice.com/2008/09/29/getting-a-real-life-financial-education/</link>
		<comments>http://www.pfadvice.com/2008/09/29/getting-a-real-life-financial-education/#comments</comments>
		<pubDate>Mon, 29 Sep 2008 17:01:57 +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[Saving Money]]></category>
		<category><![CDATA[Books]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[finance books]]></category>
		<category><![CDATA[financial education]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[spending money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2887</guid>
		<description><![CDATA[One of the questions I&#8217;m asked most frequently is, &#8220;How did you learn so much about finance?&#8221; The subtext to the question is usually along the lines of, &#8220;I know you aren&#8217;t a genius or good with numbers, so how come you have a handle on this stuff and I don&#8217;t? How come I&#8217;m broke [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/09/29/getting-a-real-life-financial-education/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Money Journal Challenge</title>
		<link>http://www.pfadvice.com/2008/09/28/money-journal/</link>
		<comments>http://www.pfadvice.com/2008/09/28/money-journal/#comments</comments>
		<pubDate>Sun, 28 Sep 2008 07:01:44 +0000</pubDate>
		<dc:creator>M. Beddingfield</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[money diet]]></category>
		<category><![CDATA[money journal]]></category>
		<category><![CDATA[track spending]]></category>
		<category><![CDATA[tracking money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2753</guid>
		<description><![CDATA[Are you left with more month than paycheck? Are you trying to stick to a budget, but can’t understand where all your discretionary income is going? Do you always end up searching the couch cushion and car seats for extra change to make everyday purchases?
My husband and I had all of these problems and more.
We [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2008/09/28/money-journal/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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