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	<title>Budgeting Spreadsheet &#187; 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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		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/retirement-planning-tips/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-to-keep-cost-down-during-christmas/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/teaching-children-how-to-manage-money-early-in-life/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/get-close-with-teddy-sheringham-on-money-matters/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/7-simple-steps-to-eliminate-debt/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/half-of-britons-will-retire-on-a-sum-that-fails-to-cover-their-living-costs/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-important-is-critical-illness-cover/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/frederick-forsyth-shared-his-experience-in-investments-with-all/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/debt-is-a-fact-of-life-for-young-workers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/kids-learn-spending-habits-from-parents-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Home Insulation Tips That Can Save You Lots of Money</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-home-insulation-tips-that-can-save-you-lots-of-money/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-home-insulation-tips-that-can-save-you-lots-of-money/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 08:02:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=797</guid>
		<description><![CDATA[There&#8217;s a good chance that high heating bills are here to stay. As the prices of natural gas and heating oil go up, homeowners will find themselves paying more and more to heat their homes in the winter. Fortunately, you can offset some of the price increases by beefing up your home insulation. In fact, [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-home-insulation-tips-that-can-save-you-lots-of-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Ways That You Can Cut Your Food Bill</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/7-ways-that-you-can-cut-your-food-bill/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/7-ways-that-you-can-cut-your-food-bill/#comments</comments>
		<pubDate>Sat, 05 Sep 2009 09:46:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=754</guid>
		<description><![CDATA[By Kara Gammell
1. Compare, compare, compare 
Competition at the supermarket has been fierce during the recession, and cost comparison website www.mysupermarket.com claims it can help you one-fifth from the cost of your weekly food shop. This site allows you to size up prices at different supermarkets, including Asda, Tesco, Sainsbury&#8217;s and Waitrose&#8217;s online service Ocado. [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/7-ways-that-you-can-cut-your-food-bill/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<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/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/kids-learn-spending-habits-from-parents/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 07:00:38 +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 Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=712</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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/kids-learn-spending-habits-from-parents/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Tips on How to manage your Loan Instalment Payments</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-tips-on-how-to-manage-your-loan-instalment-payments/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-tips-on-how-to-manage-your-loan-instalment-payments/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 03:34:02 +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=703</guid>
		<description><![CDATA[
To many people, long term loans such as property and motor vehicle loans are life time loans to repay especially for young adults.  Today loans started as early as during student days. Reports indicated that today’s twenty and thirty-something young adults are also fuelling the £1.1 trillion debt mountain. Two most common debts taken [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-tips-on-how-to-manage-your-loan-instalment-payments/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>5 Tips On How to Save Gas</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-tips-on-how-to-save-gas/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-tips-on-how-to-save-gas/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 15:10:30 +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[financial budgeting]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=690</guid>
		<description><![CDATA[Many of us need gas to travel around. Gas is a very important commodity and it is quite expensive. Going to gas stations and filing your motor vehicles with gas is a very common routine that most people do. Here are some tips on how you could save some money by managing your gas consumption [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-tips-on-how-to-save-gas/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Educating School-going Kids and Teens on Financial Planning and Personal Budgeting</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/educating-school-going-kids-and-teens-on-financial-planning-and-personal-budgeting/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/educating-school-going-kids-and-teens-on-financial-planning-and-personal-budgeting/#comments</comments>
		<pubDate>Sat, 29 Aug 2009 03:03:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=687</guid>
		<description><![CDATA[“Can you buy me an iPhone Daddy!” a seven-year-old’s demands. 
Children nowadays are innocently spending lavishly on branded items. They asked for expensive phone when a cheaper one would do just as well. They like to compare with their richer classmates.
Generally teens buy things not because they are really necessary but rather just to show [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>12 Great Tips on when to time your spending</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/12-great-tips-on-when-to-time-your-spending/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/12-great-tips-on-when-to-time-your-spending/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 07:40:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=623</guid>
		<description><![CDATA[
Timing is everything. To get the best deals, you&#8217;ve got to know when to shop.
There are some purchases that are difficult to time perfectly, such as stocks, airplane tickets and gas. But many other consumer staples &#8212; from cars to electronics to furniture &#8212; go on sale predictably at certain times of the year, saving [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>8 Ways to Stretch your retirement income Further in U.K.</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/8-ways-to-stretch-your-retirement-income-furtherrrrrrrrrrrrr/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/8-ways-to-stretch-your-retirement-income-furtherrrrrrrrrrrrr/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 10:10:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[Financial Budgeting Spreadsheet]]></category>
		<category><![CDATA[Pension]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=517</guid>
		<description><![CDATA[By Nina Montagu-Smith 
As savings rates languish at their lowest levels in decades, and the state pension remains pegged to inflation rather than earnings, we look at ways to make your retirement income stretch further: 
1. Get the best annuity rate 
If you have personal pensions you wish to convert into income, your provider should [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Start young in Personal Budgeting</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/start-young-in-personal-budgeting/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/start-young-in-personal-budgeting/#comments</comments>
		<pubDate>Sun, 16 Aug 2009 03:14:27 +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>
		<category><![CDATA[Personal Budgeting]]></category>
		<category><![CDATA[personal bugeting spreadsheet]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=512</guid>
		<description><![CDATA[I have seen many people holding high positions in well established organization get into financially difficulties. From what I noticed, one of the major reasons for getting into these financial difficulties is the failure to plan and manage their finances efficiently. Some of them still don’t realize what went wrong till their retirement age. 
It [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>8 tips to take full advantage of credit card promotions</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/8-tips-to-take-full-advantage-of-credit-card-promotions/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/8-tips-to-take-full-advantage-of-credit-card-promotions/#comments</comments>
		<pubDate>Sun, 09 Aug 2009 08:55:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[financial budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=495</guid>
		<description><![CDATA[
Today due to stiff competition, many credit card companies are throwing in good marketing money to attract new customers and retain old customers.  Most of the times, the credit card companies run numerous marketing and promotion programs to maximize the revenues from the cardholders and fend off fellow bankers&#8217; competitions.  
You could actually [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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