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	<title>Pennysaverblog &#187; Budgeting</title>
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		<title>Budgeting In The New Year</title>
		<link>http://www.pennysaverblog.com/budgeting-in-the-new-year/</link>
		<comments>http://www.pennysaverblog.com/budgeting-in-the-new-year/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 16:22:05 +0000</pubDate>
		<dc:creator>Guest</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[emergency funds]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3760</guid>
		<description><![CDATA[The New Year is a great time to set a personal budget and to begin looking at ways to better manage your financial resources. Doing so can not only help you to take better control of your money today, but will also help you to prosper in the future. If you do not already have [...]]]></description>
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		<title>How Much Time Do You Spend On Your Personal Finances?</title>
		<link>http://www.pennysaverblog.com/how-much-time-do-you-spend-on-your-personal-finances/</link>
		<comments>http://www.pennysaverblog.com/how-much-time-do-you-spend-on-your-personal-finances/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 11:24:07 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[smart money management]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=3361</guid>
		<description><![CDATA[Unless you are one of those people lucky enough to have an amazing advisor who keep you accountable and on track, you are probably like most of us who spend a minimal amount of time actually thinking about and planning strategies for personal finance. I heard the other day that we spend approximately 20 hours [...]]]></description>
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		<title>What Are Your Priorities?</title>
		<link>http://www.pennysaverblog.com/what-are-your-priorities/</link>
		<comments>http://www.pennysaverblog.com/what-are-your-priorities/#comments</comments>
		<pubDate>Fri, 22 Jul 2011 11:11:10 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[lifestyle]]></category>
		<category><![CDATA[priorities]]></category>
		<category><![CDATA[smart personal finance]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=2877</guid>
		<description><![CDATA[If you want to be successful in life, both in your achievements and with your finances, it is important for you to define your specific priorities.  It is very hard to achieve anything or to save money if you don’t know what your goals are. Everyone has priorities, whether they are aware of them or [...]]]></description>
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		<title>What Will You Do With Your Bonus This Year?</title>
		<link>http://www.pennysaverblog.com/what-will-you-do-with-your-bonus-this-year/</link>
		<comments>http://www.pennysaverblog.com/what-will-you-do-with-your-bonus-this-year/#comments</comments>
		<pubDate>Wed, 12 Jan 2011 11:43:26 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[employee bonus]]></category>
		<category><![CDATA[extra money]]></category>
		<category><![CDATA[year end bonus]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=2503</guid>
		<description><![CDATA[If you have already or will soon be receiving a bonus from your employer, have you given some thought as to what you plan to do with it?  Many employers provide bonuses around Christmastime to show appreciation for their employee’s hard work throughout the year.  If you benefit from receiving a bonus, it is important [...]]]></description>
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		<title>Is It Best To Use Cash?</title>
		<link>http://www.pennysaverblog.com/is-it-best-to-use-cash/</link>
		<comments>http://www.pennysaverblog.com/is-it-best-to-use-cash/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 11:07:24 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[cash]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=2200</guid>
		<description><![CDATA[There are all sorts of theories out there for people to try to rein in their spending.  Some experts recommend using cash to pay for everything as then it makes some people more aware of just how much they are spending.  It is somehow psychological, but if people use cash it is more meaningful to [...]]]></description>
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		<title>A Handy Budgeting Tool From Kiplinger.com</title>
		<link>http://www.pennysaverblog.com/a-handy-budgeting-tool-from-kiplinger-com/</link>
		<comments>http://www.pennysaverblog.com/a-handy-budgeting-tool-from-kiplinger-com/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 11:58:25 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting tool]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=1351</guid>
		<description><![CDATA[If one of your New Year’s Resolutions for 2010 is to create a budget and stick to it, I found a nifty tool that you might find helpful.  Kiplinger.com has a budgeting tool that will help you get started.  It lists several possible expenditures that your family may incur, and it has the function to [...]]]></description>
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		<title>Create Some Financial New Year&#8217;s Resolutions for 2010</title>
		<link>http://www.pennysaverblog.com/create-some-financial-new-years-resolutions-for-2010/</link>
		<comments>http://www.pennysaverblog.com/create-some-financial-new-years-resolutions-for-2010/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 11:58:49 +0000</pubDate>
		<dc:creator>Pam</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[smart finances]]></category>

		<guid isPermaLink="false">http://www.pennysaverblog.com/?p=1315</guid>
		<description><![CDATA[Now that 2010 has come upon us, I think it’s important to make a few New Year’s Resolutions.  When it comes to finances, it’s always important to set goals and to stick with them.  I want to share with you my three main Financial New Year’s Resolutions for 2010 in hopes that they will encourage [...]]]></description>
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