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	<title>Budgeting Spreadsheet &#187; budgeting tips</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>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>
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		<title>Compulsive buying has been classified as a psychiatric disorder</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/compulsive-buying-has-been-classified-as-a-psychiatric-disorder/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/compulsive-buying-has-been-classified-as-a-psychiatric-disorder/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 12:28:15 +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 tips]]></category>
		<category><![CDATA[Financial Budget Preparation]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=843</guid>
		<description><![CDATA[It has been common for people to proudly describe themselves as ‘born to shop’ or a ‘shopaholic’, yet there are some for whom the idea of being addicted to shopping is a genuine condition. The need for ‘retail therapy’ is a much stronger impulse in excessive or compulsive buyers.
It’s no joke: compulsive buying has been [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<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>
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		<slash:comments>0</slash:comments>
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		<title>6 Tips on how to save Thousand of Dollars on Kids</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/6-tips-on-how-to-save-thousand-of-dollars-on-kids/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/6-tips-on-how-to-save-thousand-of-dollars-on-kids/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 01:00:49 +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 tips]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=708</guid>
		<description><![CDATA[When it comes to spending money on kids, some parents really do not know how to control it. There are parents who spend more than $10,000 on their kids annually.  The key point is not whether can you afford it or rather it is really necessay to spend that amount of money.  Below [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>5 Steps to budget expenses and free up Cash for Saving</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-steps-to-budget-expenses-and-free-up-cash-for-saving/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/5-steps-to-budget-expenses-and-free-up-cash-for-saving/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 13:18:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Manage Debts]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=619</guid>
		<description><![CDATA[Before You Start
.  Speak to others in your family about the importance of working together to improve the household&#8217;s bottom line and
   come up with cost-saving ideas.
.  Figure out how much money you saved last year. What percentage of income did you set aside for the future?
.  Plan to use [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<item>
		<title>20 Lazy Ways to Save Money</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/20-lazy-ways-to-save-money/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/20-lazy-ways-to-save-money/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 06:59:29 +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 tips]]></category>
		<category><![CDATA[how to save money]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=578</guid>
		<description><![CDATA[
By Katie Adams 
While the media can&#8217;t decide if the recession is nearing its end or not, we do know that there hasn&#8217;t been a tremendous surge in wages, job creation or the stock market. Consequently, most of us are staying pretty conservative on our spending. Here are a few relatively simple ways to keep [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>10 Tips on cutting the costs of budget air travel</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/10-tips-on-cutting-the-costs-of-budget-air-travel/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/10-tips-on-cutting-the-costs-of-budget-air-travel/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 10:28:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[budgeting tips]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=527</guid>
		<description><![CDATA[
By Martin Lewis
How on earth can &#8220;paying for the flight&#8221; or &#8220;checking in&#8221; be deemed added extras? It&#8217;s time to take a dogfight to the budget airlines. 
Book the wrong way and a family of four&#8217;s £1-each-way Ryanair flights could cost up to £448 and the rest aren&#8217;t much better. That total is made up [...]]]></description>
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		<slash:comments>1</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>
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		<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>
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