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	<title>Budgeting Spreadsheet</title>
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	<link>http://budgeting-spreadsheet.com</link>
	<description>Discover the benefits of personal finance, household, expense budgeting with spreadsheet</description>
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			<item>
		<title>5 Money Saving Travel Tips</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-travel-tips/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-travel-tips/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 14:57:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Save Money Tips]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-travel-tips/</guid>
		<description><![CDATA[No matter what type of holiday you are interested in, there are a number of ways to cut back on the amount you spend both before and during your holiday. The following 5 tips are relevant to all types of holidays so whether you are interested in short breaks or 2 week holidays to the [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-travel-tips/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debts Rise, and Go Unpaid, as Bust Erodes Home Equity</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/debts-rise-and-go-unpaid-as-bust-erodes-home-equity/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/debts-rise-and-go-unpaid-as-bust-erodes-home-equity/#comments</comments>
		<pubDate>Mon, 16 Aug 2010 04:20:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Manage Debts]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/financial-freedom/debts-rise-and-go-unpaid-as-bust-erodes-home-equity/</guid>
		<description><![CDATA[During the great housing boom, homeowners nationwide borrowed a trillion dollars from banks, using the soaring value of their houses as security. Now the money has been spent and struggling borrowers are unable or unwilling to pay it back. 
The delinquency rate on home equity loans is higher than all other types of consumer loans, [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/debts-rise-and-go-unpaid-as-bust-erodes-home-equity/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cleaning up your credit</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/manage-debts/cleaning-up-your-credit/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/manage-debts/cleaning-up-your-credit/#comments</comments>
		<pubDate>Thu, 05 Aug 2010 00:16:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Manage Debts]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/financial-freedom/manage-debts/cleaning-up-your-credit/</guid>
		<description><![CDATA[Have you ever applied for a loan or credit card only to be refused, yet you haven’t known why? When you apply for any type of credit, the company checks your personal credit report, which tells them how you’ve managed your finances in the past, and your current credit situation. From the information on this [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/manage-debts/cleaning-up-your-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Tips On How To Accumulate Wealth</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/4-tips-on-how-to-accumulate-wealth/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/4-tips-on-how-to-accumulate-wealth/#comments</comments>
		<pubDate>Sun, 25 Jul 2010 05:19:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/financial-freedom/4-tips-on-how-to-accumulate-wealth/</guid>
		<description><![CDATA[ One great way to get rich is by spending less and make the right investment decisions. Spending less is not a natural skill that comes with human. However this skill can be learned easily by anyone with proper guidance. Here are some tips on how you can accumulate wealth when you are still studying [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/4-tips-on-how-to-accumulate-wealth/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>5 Money Saving Tips for Students</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-tips-for-students/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-tips-for-students/#comments</comments>
		<pubDate>Sun, 25 Jul 2010 04:51:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Save Money Tips]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-tips-for-students/</guid>
		<description><![CDATA[Students depend on their parents or doing part time jobs to get their pocket money.
Although their monies are not a lot, there a many channels that are interested in their money and compete with each other to get them.
However as a student, your main objective is to complete your education with good results which will [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-money-saving-tips-for-students/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why a Business Plan is Important to a Company</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/why-a-business-plan-is-important-to-a-company/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/why-a-business-plan-is-important-to-a-company/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 11:47:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[company budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/budget-spreadsheet/why-a-business-plan-is-important-to-a-company/</guid>
		<description><![CDATA[Some companies are fortunate that they operate in industries that they practically monopolized and have no competitors. Those companies that are not so fortunate will have no alternative other than to stay ahead of their competitors in order to survive in the business world or excel in their industries.
An effective and good management control system [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/why-a-business-plan-is-important-to-a-company/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>8 Easy Money Saving Tips</title>
		<link>http://budgeting-spreadsheet.com/uncategorized/8-easy-money-saving-tips/</link>
		<comments>http://budgeting-spreadsheet.com/uncategorized/8-easy-money-saving-tips/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 06:44:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/uncategorized/8-easy-money-saving-tips/</guid>
		<description><![CDATA[The recession has been tough on everybody&#8217;s finances. Living costs and unemployment are on the up, so money simply isn&#8217;t stretching as far as it used to. If you&#8217;re trying to stick to a tight budget, take note of these tips brought to you by moneysupermarket.com to help you tackle the credit crunch…

Make lists when [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/uncategorized/8-easy-money-saving-tips/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Improving your credit rating &#8211; an easy guide</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/improving-your-credit-rating-an-easy-guide/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/improving-your-credit-rating-an-easy-guide/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 14:54:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/uncategorized/improving-your-credit-rating-an-easy-guide/</guid>
		<description><![CDATA[ 
Most of the UK, those over 18 at least, will have some experience with credit checks. Almost everything we do which involves giving money to a company or service provider is logged onto a personal credit report. This is then used by potential lenders to ascertain how much of a financial risk an individual [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/improving-your-credit-rating-an-easy-guide/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Is The Difference Between Commodity Futures and Financial Futures</title>
		<link>http://budgeting-spreadsheet.com/uncategorized/what-is-the-difference-between-commodity-futures-and-financial-futures/</link>
		<comments>http://budgeting-spreadsheet.com/uncategorized/what-is-the-difference-between-commodity-futures-and-financial-futures/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 13:31:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/uncategorized/what-is-the-difference-between-commodity-futures-and-financial-futures/</guid>
		<description><![CDATA[If you are new or been involved with futures trading, you would probably heard about about commodity futures and financial futures.&#160; Do you really know what is the difference between them?&#160; Well if you are not sure, here are some guides to help you to understand better.
Generally commodity simply refers to anything that the land [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/uncategorized/what-is-the-difference-between-commodity-futures-and-financial-futures/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>The Seven Futures Contract Specifications</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/the-seven-future-contract-specifications/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/the-seven-future-contract-specifications/#comments</comments>
		<pubDate>Fri, 16 Apr 2010 08:25:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/uncategorized/the-seven-future-contract-specifications/</guid>
		<description><![CDATA[
Contract Specifications
As opposed to the forward contract, futures are standardized contracts as they are traded at the organized exchanges. As standard contracts, they are subject to the terms and conditions. As such, in order to be the well informed investors, every market participant in futures must know the following contract specifications.

1. Underlying Instrument
Every futures contract [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/the-seven-future-contract-specifications/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Basic Elements of Futures Trading</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/basic-elements-of-futures-trading/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/basic-elements-of-futures-trading/#comments</comments>
		<pubDate>Tue, 13 Apr 2010 07:36:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/uncategorized/basic-elements-of-futures-trading/</guid>
		<description><![CDATA[Generally speaking, the basic elements of futures trading could be traced back to the 12th Century.&#160; History had it that the first futures trading actually started in Japan somewhere around the 18th century.
The futures trading was further enhanced by American later and the popularity spread around the world from there. Today, the American is the [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/basic-elements-of-futures-trading/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 Ways To Stay Ahead of Inflation</title>
		<link>http://budgeting-spreadsheet.com/uncategorized/5-ways-to-stay-ahead-of-inflation/</link>
		<comments>http://budgeting-spreadsheet.com/uncategorized/5-ways-to-stay-ahead-of-inflation/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 08:11:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=932</guid>
		<description><![CDATA[Inflation has risen again, which is another kick in the teeth for savers struggling with interest rates at an all-time low. Figures out last week revealed that during January the headline rate of inflation hit 3.5pc, which makes a huge dent into your savings. 
Basic-rate taxpayers now need to earn 4.38pc on their savings before [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/uncategorized/5-ways-to-stay-ahead-of-inflation/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>7 reasons why the price of gold will continue to rise</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/7-reasons-why-the-price-of-gold-will-continue-to-rise/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/7-reasons-why-the-price-of-gold-will-continue-to-rise/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 15:20:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=927</guid>
		<description><![CDATA[1. Last week’s IMF announcement of its plan to sell 191.3 tonnes of bullion on the open market under the Central Bank Gold Agreement put pressure on gold prices. 
This negative price response seems to be due to the perceived lack of demand from official sectors to purchase the IMF balance – last year only [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/7-reasons-why-the-price-of-gold-will-continue-to-rise/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Top tips for using an ISA account</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/top-tips-for-using-an-isa-account/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/top-tips-for-using-an-isa-account/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 13:31:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=922</guid>
		<description><![CDATA[Hoping to find out as much as possible about ISAs? The following guide brought to you by moneysupermarket.com aims to highlight some of the most important points.
Generally ISA accounts protect you from paying any tax on your savings– it’s a way for the government to encourage more people to save money securely.
Most people are confused [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/top-tips-for-using-an-isa-account/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>10 things to do when you retire</title>
		<link>http://budgeting-spreadsheet.com/uncategorized/10-things-to-do-when-you-retire/</link>
		<comments>http://budgeting-spreadsheet.com/uncategorized/10-things-to-do-when-you-retire/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 02:37:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/uncategorized/10-things-to-do-when-you-retire/</guid>
		<description><![CDATA[Soaring government debt and the fact that people are living longer may force the state pension age to rise by at least another five years to a minimum of 70, a leading think tank said this past week. 
Many people&#8217;s plans for the &#8221;holiday of a lifetime&#8221; will be delayed – perhaps indefinitely – if [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/uncategorized/10-things-to-do-when-you-retire/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 ways to increase returns from your Savings Account.</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-ways-to-increase-returns-from-your-savings-account/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-ways-to-increase-returns-from-your-savings-account/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 02:34:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Save Money Tips]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/uncategorized/5-ways-to-increase-returns-from-your-savings-account/</guid>
		<description><![CDATA[1. Opt for a fixed rate 
If you can afford to lock up your savings for a year or more, then you will get the best return on your money. Banks and building societies are struggling to raise money on credit markets, so need to attract money from retail savers, you and me in other [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/5-ways-to-increase-returns-from-your-savings-account/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to save &#163;528 a year</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/how-to-save-528-a-year/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/how-to-save-528-a-year/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 07:58:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[financial]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/how-to-save-528-a-year/</guid>
		<description><![CDATA[Average household fuel bills have doubled since 2003, the comparison website moneysupermarket.com said this week, and the regulator Ofgem warned that thousands of homes could soon face &#34;unaffordable energy bills&#34;. 
But there is no need to suffer in silence. Simple steps can cut hundreds of pounds off annual fuel costs. I know because I have. [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/how-to-save-528-a-year/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Pension Income is a concern now in U.K</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/pension-income-is-a-concern-now-in-u-k/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/pension-income-is-a-concern-now-in-u-k/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 07:52:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Pension]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/financial-freedom/pension-income-is-a-concern-now-in-u-k/</guid>
		<description><![CDATA[New figures show that, after paying bills, one in five people between 55 and 64 will be left with just £40 a week to survive on. 

The research from Aviva found they will have less than £750 a month, of which £490 is spent paying a range of bills, including housing, utilities, transport and clothing. [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/pension-income-is-a-concern-now-in-u-k/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Former Teachers shared 10 tips on buy-to-let success strategy</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/investment/former-teachers-shared-10-tips-on-buy-to-let-success-strategy/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/investment/former-teachers-shared-10-tips-on-buy-to-let-success-strategy/#comments</comments>
		<pubDate>Sun, 29 Nov 2009 12:46:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[investment tips]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=906</guid>
		<description><![CDATA[By Zoe Dare Hall 
After two decades spent building up a property portfolio of more than 700 buy-to-let properties and becoming two of Britain&#8217;s most successful landlords, the time has come for former maths teachers Fergus and Judith Wilson to sell. 
&#8220;Old age, dear,&#8221; explains Fergus, 61, of his motivation to rid himself and his [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/investment/former-teachers-shared-10-tips-on-buy-to-let-success-strategy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 simple steps on how to buy an auction property</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/investment/10-simple-steps-on-how-to-buy-an-auction-property/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/investment/10-simple-steps-on-how-to-buy-an-auction-property/#comments</comments>
		<pubDate>Fri, 27 Nov 2009 05:00:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=904</guid>
		<description><![CDATA[Making the right decision to invest in properties is easier said than done.  Some people have become millionaires from property investments.  Beside making the right decision, the know how of how to buy a property is equally important.  Buying a property from auction is a clever way of getting good value property [...]]]></description>
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		<slash:comments>1</slash:comments>
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