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	<title>Budgeting Spreadsheet &#187; Budgeting Spreadsheet</title>
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	<link>http://budgeting-spreadsheet.com</link>
	<description>Is Budgeting Spreadsheet useful to an Individual? If you have this questin in mind, get free Budgeting Spreadsheet advices and tips here.</description>
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		<title>Retirement planning tips</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/retirement-planning-tips/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/retirement-planning-tips/#comments</comments>
		<pubDate>Sun, 22 Nov 2009 03:37:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[pensions]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=887</guid>
		<description><![CDATA[In your 20s and 30s 
Delaying the start of your pension savings could put a large dent in your retirement fund. 
If you start saving £150 per month when you are 25, you could end up with a fund worth £395,000 (assuming annual growth of 7 per cent). But if you leave it another five [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<item>
		<title>How to keep cost down during Christmas</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-to-keep-cost-down-during-christmas/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-to-keep-cost-down-during-christmas/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 02:20:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[personal budget]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=885</guid>
		<description><![CDATA[The Christmas party season is just around the corner, but with most of us feeling the pinch, keeping costs down will be a priority for many. 
Hosting a party can be an expensive business once you have factored in food, drink, decorations and entertainment but, provided you are prepared to do some research, there are [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Teaching children HOW TO manage MONEY early in life</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/teaching-children-how-to-manage-money-early-in-life/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/teaching-children-how-to-manage-money-early-in-life/#comments</comments>
		<pubDate>Sat, 24 Oct 2009 08:23:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Manage Debts]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=857</guid>
		<description><![CDATA[
WE’VE all seen them – adults who have no idea how to manage their money.
While it’s easy to look down our noses at them as they take out their third mortgage to make payments on their SUV, we should stop and think about where they learned their financial attitudes.
We may realise that our children could [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Up close with Teddy Sheringham on Money Matters</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/get-close-with-teddy-sheringham-on-money-matters/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/get-close-with-teddy-sheringham-on-money-matters/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 20:29:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Around the Globe]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal bugeting spreadsheet]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=838</guid>
		<description><![CDATA[Who is Teddy SHeringham?
Teddy Sheringham, 43, was the oldest man to have played in all four English football leagues before he retired last year. He was awarded an OBE in 2007 and currently lives near Epping with his girlfriend Kristina. His most famous club that he played for was as a striker for Manchester United [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<title>7 Simple Steps To Eliminate Debt</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/7-simple-steps-to-eliminate-debt/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/7-simple-steps-to-eliminate-debt/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 08:43:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Manage Debts]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[managing debts]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=832</guid>
		<description><![CDATA[Many Americans today find themselves in large, seemingly insurmountable amounts of debt. They ignore the problem until it threatens their financial health and has huge negative effects on their life. Learn how to take control now and eliminate your debt by following these seven easy steps – and the best part is that it won&#8217;t [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>Half of Britons will retire on a sum that fails to cover their living costs</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/half-of-britons-will-retire-on-a-sum-that-fails-to-cover-their-living-costs/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/half-of-britons-will-retire-on-a-sum-that-fails-to-cover-their-living-costs/#comments</comments>
		<pubDate>Sat, 10 Oct 2009 04:01:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[financil planning]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=827</guid>
		<description><![CDATA[Half of Britons retire on less than £9,000 Photo: GETTY
The latest research reveals the full extent of Britain’s pensions’ crisis and the vast numbers of people who are reaching retirement without having enough to cover their basic daily expenses. 
Having enjoyed an average annual salary of £25,000 when they were working, the study by insurer [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How important is critical illness cover?</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-important-is-critical-illness-cover/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-important-is-critical-illness-cover/#comments</comments>
		<pubDate>Sun, 04 Oct 2009 04:51:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[critical illness insurance]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[insurance risk]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=825</guid>
		<description><![CDATA[Most home buyers purchase life assurance when they arrange a mortgage, but only a minority obtain another form of financial protection that they are five times more likely to need before they reach retirement. 
Critical illness assurance pays a tax-free lump sum on diagnosis of any one of a list of serious illnesses – including [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Frederick Forsyth shared his experience in investments with all</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/frederick-forsyth-shared-his-experience-in-investments-with-all/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/frederick-forsyth-shared-his-experience-in-investments-with-all/#comments</comments>
		<pubDate>Sun, 04 Oct 2009 04:38:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[federick forsyth]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[investment tips]]></category>
		<category><![CDATA[real life investment experience]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=822</guid>
		<description><![CDATA[
Have you learnt any difficult lessons about money through mistakes?
I&#8217;ve lost money twice, first in the mid-Seventies under Edward Heath when we were looking at inflation of 22pc or 23pc per annum. After Margaret Thatcher we all forgot what hyperinflation was, but at 23pc everybody&#8217;s assets were disappearing down the plug hole. 
My financial advisers [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>DEBT is a fact of life for young workers</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/debt-is-a-fact-of-life-for-young-workers/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/debt-is-a-fact-of-life-for-young-workers/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 17:01:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Manage Debts]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[managing debts]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=820</guid>
		<description><![CDATA[DEBT is a fact of life for young workers. A generation has grown up with student debt at levels their parents never even contemplated. But today’s twenty and thirtysomethings are also fuelling the
£1.1 trillion debt mountain after they graduate, piling up borrowing on credit cards and personal loans. 
Debt counsellors report record numbers of young [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Kids &#8216;learn spending habits from parents&#8217;</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/kids-learn-spending-habits-from-parents-2/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/kids-learn-spending-habits-from-parents-2/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 16:50:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=818</guid>
		<description><![CDATA[If a student is deep in debt or has thousands of pounds in savings then the chances are they inherited their financial sense from mum and dad, the study suggests. 
The new research reveals that parents have the greatest influence on students&#8217; financial habits, above work experience and financial education in secondary or high school. [...]]]></description>
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		<slash:comments>0</slash:comments>
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