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	<title>Personal Finance Advice &#187; emergency fund</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>Take Financial Control of Your Life</title>
		<link>http://www.pfadvice.com/2011/06/20/take-financial-control-of-your-life/</link>
		<comments>http://www.pfadvice.com/2011/06/20/take-financial-control-of-your-life/#comments</comments>
		<pubDate>Mon, 20 Jun 2011 15:35:24 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[financial bumps]]></category>
		<category><![CDATA[financial control]]></category>
		<category><![CDATA[never enough money]]></category>
		<category><![CDATA[six months expenses]]></category>
		<category><![CDATA[unexpected expenses]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7371</guid>
		<description><![CDATA[I have a relative who is at the mercy of every tiny financial bump in the road. When the dog has to go to the vet, or gas goes up two cents, or the power bill is higher than expected, or the car needs new tires, he is thrown into chaos. He hasn&#8217;t got the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/06/20/take-financial-control-of-your-life/feed/</wfw:commentRss>
		<slash:comments>8</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>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>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University: Week One</title>
		<link>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/</link>
		<comments>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 07:42:22 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[$1000]]></category>
		<category><![CDATA[$1000 emergency fund]]></category>
		<category><![CDATA[basic budget]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[money is amoral]]></category>
		<category><![CDATA[Week one]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5730</guid>
		<description><![CDATA[When I heard that Dave Ramsey&#8217;s Financial Peace University was being taught at my church this year, I was intrigued. I&#8217;ve read Dave Ramsey&#8217;s books and heard his show on Fox Business channel, but I&#8217;ve always found myself wondering exactly what about him and his advice makes people shell out $100 for the thirteen week [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/feed/</wfw:commentRss>
		<slash:comments>20</slash:comments>
		</item>
		<item>
		<title>The Difference Between Living Below and Within Your Means</title>
		<link>http://www.pfadvice.com/2010/02/01/the-difference-between-living-below-and-within-your-means/</link>
		<comments>http://www.pfadvice.com/2010/02/01/the-difference-between-living-below-and-within-your-means/#comments</comments>
		<pubDate>Mon, 01 Feb 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[emergency fund]]></category>
		<category><![CDATA[living above your means]]></category>
		<category><![CDATA[living below your means]]></category>
		<category><![CDATA[living within your means]]></category>
		<category><![CDATA[pay your bills]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5682</guid>
		<description><![CDATA[We all know (or should) that living above your means for the long term is a recipe for financial disaster. Living above your means is spending more than you earn on a consistent basis. When you do it occasionally, as in the case of an emergency or a planned splurge, it&#8217;s not detrimental. However, it [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/01/the-difference-between-living-below-and-within-your-means/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: It&#8217;s Not a Poor Life</title>
		<link>http://www.pfadvice.com/2009/12/15/a-life-without-debt-its-not-a-poor-life/</link>
		<comments>http://www.pfadvice.com/2009/12/15/a-life-without-debt-its-not-a-poor-life/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 07:01:21 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></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[emergency fund]]></category>
		<category><![CDATA[no money]]></category>
		<category><![CDATA[poor life]]></category>
		<category><![CDATA[rich life]]></category>
		<category><![CDATA[saving money strategies]]></category>
		<category><![CDATA[scrimp and save]]></category>
		<category><![CDATA[waste money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5556</guid>
		<description><![CDATA[I&#8217;ve noticed that some respondents to my previous articles seem to think that I&#8217;m living a life of deprivation because I choose to save money aggressively and live debt free. I want to set the record straight: A debt free life is not a poor life; it&#8217;s not a life of deprivation and suffering. It&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/15/a-life-without-debt-its-not-a-poor-life/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: 10 Things That Make Being Debt Free Possible</title>
		<link>http://www.pfadvice.com/2009/12/01/a-life-without-debt-10-things-that-make-being-debt-free-possible/</link>
		<comments>http://www.pfadvice.com/2009/12/01/a-life-without-debt-10-things-that-make-being-debt-free-possible/#comments</comments>
		<pubDate>Tue, 01 Dec 2009 07:01:07 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Cars]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[affordable housing]]></category>
		<category><![CDATA[bank raises]]></category>
		<category><![CDATA[buy cars for cash]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free living]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[never pay retail]]></category>
		<category><![CDATA[recreational shopping]]></category>
		<category><![CDATA[small house]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5492</guid>
		<description><![CDATA[When people find out that I&#8217;m debt free, the thing they most want to know is how it&#8217;s possible and how they can achieve it, too. Quickly. They want the crash course or the quick fix to debt free living. I tell them that there really is no quick fix. There&#8217;s no magic pill that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/01/a-life-without-debt-10-things-that-make-being-debt-free-possible/feed/</wfw:commentRss>
		<slash:comments>21</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Procrastination Is The Enemy</title>
		<link>http://www.pfadvice.com/2009/10/06/a-life-without-debt-procrastination-is-the-enemy/</link>
		<comments>http://www.pfadvice.com/2009/10/06/a-life-without-debt-procrastination-is-the-enemy/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 07:01:07 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[balancing checkbook]]></category>
		<category><![CDATA[bill payment]]></category>
		<category><![CDATA[car maintenance]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[financial paperwork]]></category>
		<category><![CDATA[get organized]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[home maintenance]]></category>
		<category><![CDATA[procrastination]]></category>
		<category><![CDATA[putting things off]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement savings]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5278</guid>
		<description><![CDATA[Over my years of debt free living I&#8217;ve learned that procrastination is a huge enemy to staying debt free. We all tend to say, &#8220;I can take care of that tomorrow,&#8221; and put off things we don&#8217;t want to (or can&#8217;t) deal with right then. The problem is, the longer you put things off, the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/10/06/a-life-without-debt-procrastination-is-the-enemy/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Why You Want to Save Money and What You&#8217;re Willing to Do About It</title>
		<link>http://www.pfadvice.com/2009/10/05/why-you-want-to-save-money-and-what-youre-willing-to-do-about-it/</link>
		<comments>http://www.pfadvice.com/2009/10/05/why-you-want-to-save-money-and-what-youre-willing-to-do-about-it/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 07:01:40 +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[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[have a reason]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[savings strategy]]></category>
		<category><![CDATA[set a goal]]></category>
		<category><![CDATA[take a trip]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5258</guid>
		<description><![CDATA[One of the things I&#8217;ve learned along my own frugal journey and through helping others with their financial problems is that the reasons behind living frugally/saving money often dictate just how far a person is willing to go in order to cut spending. I&#8217;ve learned that in order to have the greatest chance of success, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/10/05/why-you-want-to-save-money-and-what-youre-willing-to-do-about-it/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>I Found My Emergency Fund in My Closet</title>
		<link>http://www.pfadvice.com/2009/07/25/i-found-my-emergency-fund-in-my-closet/</link>
		<comments>http://www.pfadvice.com/2009/07/25/i-found-my-emergency-fund-in-my-closet/#comments</comments>
		<pubDate>Sat, 25 Jul 2009 07:01:21 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[cluttered apartment]]></category>
		<category><![CDATA[craigslist.org]]></category>
		<category><![CDATA[eBay]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[garage sale]]></category>
		<category><![CDATA[no closet space]]></category>
		<category><![CDATA[paycheck to paycheck]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4898</guid>
		<description><![CDATA[By Leslie R. One of the most difficult things for me to do was build up my emergency fund. It seemed that I lived every two weeks paycheck to paycheck and there was no buffer when emergencies did happen. No matter how hard I tried, I couldn&#8217;t seem to build up an emergency fund. Another [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/07/25/i-found-my-emergency-fund-in-my-closet/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
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