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	<title>Personal Finance Advice &#187; finances</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>11 Actions That Have Benefitted My Finances the Most</title>
		<link>http://www.pfadvice.com/2011/08/29/11-actions-that-have-benefitted-my-finances-the-most/</link>
		<comments>http://www.pfadvice.com/2011/08/29/11-actions-that-have-benefitted-my-finances-the-most/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 11:49:29 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[complete education]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[live below means]]></category>
		<category><![CDATA[not cool]]></category>
		<category><![CDATA[patience]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[uncool]]></category>
		<category><![CDATA[unnecessary risks]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7651</guid>
		<description><![CDATA[I&#8217;ve reached one of those milestone birthdays where you stop and take stock of your life. I&#8217;ve been looking at where I&#8217;ve been and where I&#8217;m going professionally, personally, and financially. In looking at my finances, I&#8217;ve realized that there are eleven actions that have contributed directly to my success. These actions have all been [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/08/29/11-actions-that-have-benefitted-my-finances-the-most/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>What Cliff Young Can Teach You About Finances</title>
		<link>http://www.pfadvice.com/2011/01/05/cliff-young-ultra-marathon/</link>
		<comments>http://www.pfadvice.com/2011/01/05/cliff-young-ultra-marathon/#comments</comments>
		<pubDate>Wed, 05 Jan 2011 08:15:40 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[1983]]></category>
		<category><![CDATA[Australia running]]></category>
		<category><![CDATA[Cliff Young]]></category>
		<category><![CDATA[Cliff Young shuffle]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial experts]]></category>
		<category><![CDATA[ultra marathon]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=2279</guid>
		<description><![CDATA[I love the story about Cliff Young. If you have never heard it before, prepare yourself for some smiles. Ultra marathons are races of 100 miles or more. One of the most famous of these ultra marathons is a 543.7 mile (875 kilometer) race from Sydney to Melbourne, Australia. This race regularly attracts the world&#8217;s [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/01/05/cliff-young-ultra-marathon/feed/</wfw:commentRss>
		<slash:comments>3</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>
		<item>
		<title>Stop Being Picky</title>
		<link>http://www.pfadvice.com/2010/09/24/stop-being-picky/</link>
		<comments>http://www.pfadvice.com/2010/09/24/stop-being-picky/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 17:57:35 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[alternatives]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[inflexible]]></category>
		<category><![CDATA[pickiness]]></category>
		<category><![CDATA[picky]]></category>
		<category><![CDATA[unwilling to be flexible]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6521</guid>
		<description><![CDATA[I have a friend who is incredibly picky, to the detriment of her finances. She demands certain brands of every food and personal product she buys. Even if another brand is cheaper, she won&#8217;t buy it. She demands specific features in her cars. On vacation, her hotel room must have certain views and specific amenities. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/09/24/stop-being-picky/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Win Competitions and Sweepstakes: Ways to Make Money</title>
		<link>http://www.pfadvice.com/2010/08/25/win-competitions-and-sweepstakes-ways-to-make-money/</link>
		<comments>http://www.pfadvice.com/2010/08/25/win-competitions-and-sweepstakes-ways-to-make-money/#comments</comments>
		<pubDate>Wed, 25 Aug 2010 08:15:01 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[additional income]]></category>
		<category><![CDATA[competitions]]></category>
		<category><![CDATA[contests]]></category>
		<category><![CDATA[earning extra money]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[sweepstakes]]></category>
		<category><![CDATA[ways to make money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6448</guid>
		<description><![CDATA[Contests and sweepstakes can be fun to enter and the prizes can be great. You can win everything from a few bucks in cash all the way up to new cars or houses. Contests are easily found. You can find them on product packaging, advertised on TV or in magazines, and through associations to which [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/08/25/win-competitions-and-sweepstakes-ways-to-make-money/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Do Automatic Retirement Contributions Help or Hurt?</title>
		<link>http://www.pfadvice.com/2010/08/16/do-automatic-retirement-contributions-help-or-hurt/</link>
		<comments>http://www.pfadvice.com/2010/08/16/do-automatic-retirement-contributions-help-or-hurt/#comments</comments>
		<pubDate>Mon, 16 Aug 2010 11:36:00 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k contributions]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[retirement account]]></category>
		<category><![CDATA[retirement plan]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6421</guid>
		<description><![CDATA[You may have heard about the movement to automatically opt employees into their 401K&#8217;s. Right now, the default option is for you not to contribute. When you&#8217;re hired they ask you if you&#8217;d like to contribute and how much. If you say no, then nothing is taken out of your check. There is a movement [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/08/16/do-automatic-retirement-contributions-help-or-hurt/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Keeping Control of Your Money</title>
		<link>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/</link>
		<comments>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 07:01:39 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[contracts]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[keep control]]></category>
		<category><![CDATA[money control]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5786</guid>
		<description><![CDATA[Have you ever thought about how much control over your financial life you give to companies when you sign up for things like cable, cell phone contracts, Internet access, loans, or credit cards? When you engage in most financial transactions, you are letting someone else have a little bit of control over your financial life. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/10/keeping-control-of-your-money/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Complacency Is The Enemy</title>
		<link>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/</link>
		<comments>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 07:01:41 +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[apathetic]]></category>
		<category><![CDATA[complacency]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial life]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5738</guid>
		<description><![CDATA[One of the biggest enemies of a debt free life is complacency. Not only is it an enemy, it&#8217;s a very sneaky enemy. When you become complacent (apathetic is another good word for this problem) you relax too much. You stop worrying about where your money is going. You start spending more and more, thinking [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Financial Road Less Traveled</title>
		<link>http://www.pfadvice.com/2010/02/15/the-financial-road-less-traveled/</link>
		<comments>http://www.pfadvice.com/2010/02/15/the-financial-road-less-traveled/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 07:01:27 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[do over]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial choices]]></category>
		<category><![CDATA[financial road]]></category>
		<category><![CDATA[life choices]]></category>
		<category><![CDATA[road less traveled]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5717</guid>
		<description><![CDATA[I think I&#8217;m getting old. I&#8217;m starting to hit that phase of life where I&#8217;m looking at the choices I&#8217;ve made and ruminating over the roads less traveled. I find myself wondering about the career I chose, the jobs I&#8217;ve taken along the way, even the relationships I&#8217;ve had. Along with all the general &#8220;What [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/15/the-financial-road-less-traveled/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: I&#8217;ve Always Been Old</title>
		<link>http://www.pfadvice.com/2009/12/29/a-life-without-debt-ive-always-been-old/</link>
		<comments>http://www.pfadvice.com/2009/12/29/a-life-without-debt-ive-always-been-old/#comments</comments>
		<pubDate>Tue, 29 Dec 2009 07:01:44 +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[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial maturity]]></category>
		<category><![CDATA[financial responsibility]]></category>
		<category><![CDATA[mature for age]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5588</guid>
		<description><![CDATA[I&#8217;ll let you in on a secret: I&#8217;m really about fifty-eight years old. Mentally, at least. In actuality I&#8217;m in my upper thirties. But if you look at my lifestyle, my spending choices, and my account balances, I&#8217;m much closer to someone who is nearing retirement. Financially I&#8217;ve always been about twenty years older than [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/29/a-life-without-debt-ive-always-been-old/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
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