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	<title>Budgeting Spreadsheet &#187; personal budget</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>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>Various investment parking options</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/various-investment-parking-options/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/various-investment-parking-options/#comments</comments>
		<pubDate>Sat, 14 Nov 2009 09:36:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></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=880</guid>
		<description><![CDATA[When you deposit your money with a bank, your first decsion is whether you want access to it all the time. If you are prepared to lock it away for some time, fixed deposit is usually the obvious choice.
If you want ready accessibility, then you will opt for an at call deposit account or investment. [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/various-investment-parking-options/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Dilemma on where to park your excess cash?</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/dilemma-on-where-to-park-your-excess-cash/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/dilemma-on-where-to-park-your-excess-cash/#comments</comments>
		<pubDate>Sat, 14 Nov 2009 09:23:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></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=878</guid>
		<description><![CDATA[Thirty four year old Jessie is married with two children, and one on the way. She and her husband recently moved to a new place where they purchased two properties with the proceeds from the sale of their former house.
A nice position to be in. And the only real financial problem they faced was where [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/dilemma-on-where-to-park-your-excess-cash/feed/</wfw:commentRss>
		<slash:comments>0</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>3 effective tips to avoid overspending</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/3-effective-tips-to-avoid-overspending/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/3-effective-tips-to-avoid-overspending/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 16:53:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></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=848</guid>
		<description><![CDATA[1.	Limit impulse purchases
Unnecessary spending often occurs on the spur of the moment. You walk into a shop, see something and feel you just can’t leave without it, even though you didn’t know it existed 10 minutes earlier. Sound familiar?
To prevent this, make a list before you set out. Write down the things you need and [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/3-effective-tips-to-avoid-overspending/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/compulsive-buying-has-been-classified-as-a-psychiatric-disorder/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>9 Tips to come out Winner in Credit Card Game</title>
		<link>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/9-tips-to-come-out-winner-in-credit-card-game/</link>
		<comments>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/9-tips-to-come-out-winner-in-credit-card-game/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 05:18:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[Self Improvement]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=710</guid>
		<description><![CDATA[There seems to be warfare among credit companies in Malaysia to get you hooked on credit. Credit card companies are finding all kinds of ways to tempt you by offering various kinds of promotions from free cards, free gifts to slashing interest rates. The credit card companies are trying to show you that there is [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/financial-freedom/save-money-tips/9-tips-to-come-out-winner-in-credit-card-game/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>4 Easy Steps on how to Make a Budget</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/4-easy-steps-on-how-to-make-a-budget/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/4-easy-steps-on-how-to-make-a-budget/#comments</comments>
		<pubDate>Fri, 28 Aug 2009 09:19:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=668</guid>
		<description><![CDATA[Making a budget is an important way of staying in control of your finances. You will be able to work out how much you can really afford to spend, save and service any debts. 
Where to start 
First draw up a list of your income and outgoings. It is best to calculate this as an [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/4-easy-steps-on-how-to-make-a-budget/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Things which you may not realise that you overpay for</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/10-things-which-you-may-not-realise-that-you-overpay-for/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/10-things-which-you-may-not-realise-that-you-overpay-for/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 08:23:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[financing budget]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=627</guid>
		<description><![CDATA[
1. Afternoon snacks. 
Do you munch protein bars as a healthier alternative to a chocolate pick-me-up? You could easily be paying more than $2 per bar and consuming just as much sugar as you would with your favorite candy bar. Stock up on fruit for a fraction of the cost when you do your grocery [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The 7 New Rules of Financial Security</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/the-7-new-rules-of-financial-security/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/the-7-new-rules-of-financial-security/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 07:17:23 +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[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=584</guid>
		<description><![CDATA[
By Carolyn Bigda and Paul J. Lim
In a world turned upside down, you must re-examine some basic assumptions. A good place to start: understanding the true nature of risk.
Rule No. 1: Risk
Old thinking: If you can stomach the ups and downs that come with risk, you&#8217;ll be rewarded.
New rule: Risk isn&#8217;t about your stomach. It&#8217;s [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/the-7-new-rules-of-financial-security/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>9 Cash-Saving Strategies That Pay Big Bucks</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/9-cash-saving-strategies-that-pay-big-bucks/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/9-cash-saving-strategies-that-pay-big-bucks/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 07:10:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Save Money Tips]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>
		<category><![CDATA[personal finances]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=581</guid>
		<description><![CDATA[
By Christina Couch
The expression &#8220;a penny saved is a penny earned&#8221; doesn&#8217;t cut it these days. But saving a few dollars here and there can add up, particularly if you park the money in a high-interest-bearing savings account or, better yet, a tax-favored vehicle such as a 529 plan or an IRA containing a mix [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/9-cash-saving-strategies-that-pay-big-bucks/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Signs Your Home Is About to Lose Value</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/4-signs-your-home-is-about-to-lose-value/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/4-signs-your-home-is-about-to-lose-value/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 12:29:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Economy]]></category>
		<category><![CDATA[Financial Budget]]></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=575</guid>
		<description><![CDATA[
By AnnaMaria Andriotis
Despite signs that the real estate market is bottoming out, millions of homeowners are likely to find themselves in worse shape within the next two years.
Nearly half of the nation&#8217;s 52 million mortgage borrowers will have negative equity by the end of the first quarter of 2011, up from the 14 million at [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/4-signs-your-home-is-about-to-lose-value/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Tips for Graduates to surviving the Economic Storm</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/10-tips-for-graduates-to-surviving-the-economic-storm/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/10-tips-for-graduates-to-surviving-the-economic-storm/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 09:20:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Financial Budget Preparation]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[Financial Budgeting Spreadsheet]]></category>
		<category><![CDATA[financing budget]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=573</guid>
		<description><![CDATA[By Emma Simon 
Nearly one million young people cannot find work, according to official figures this week, and an estimated one in six under-25s is now deemed to be a &#8221;Neet&#8221; – that is, not in education, employment or training. 
In today&#8217;s climate graduates are going to extraordinary lengths to secure a decent job. James [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/10-tips-for-graduates-to-surviving-the-economic-storm/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>U.K. Students told to manage own homework to cut costs</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/u-k-students-told-to-own-homework-to-cut-costs/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/u-k-students-told-to-own-homework-to-cut-costs/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 01:03:23 +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[Self Improvement]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=560</guid>
		<description><![CDATA[Everything a teenager needs to know about managing their money at university now that A-level results have arrived.
More than 300,000 teenagers should have received A-level results this week, determining which universities many will attend. Now they – or their parents – had better do some financial homework if they wish to avoid graduating with an [...]]]></description>
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		<slash:comments>0</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>
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		<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>
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		<item>
		<title>Living through crisis with Financial Planning</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/living-through-crisis-with-financial-planning/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/living-through-crisis-with-financial-planning/#comments</comments>
		<pubDate>Sat, 08 Aug 2009 13:20:31 +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[Budgeting Spreadsheet]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[financing budget]]></category>
		<category><![CDATA[personal budget]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=492</guid>
		<description><![CDATA[
Financial experts said in order to insulate you from unexpected short term financial crisis or recession; you should have a saving of at least three to six months&#8217; expenses. Financial planning should starts as early as possible, ideally should start once you are working. You should plan early for your future. During recession, your spending [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Number of bankrupt pensioners soars</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/number-of-bankrupt-pensioners-soars/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/number-of-bankrupt-pensioners-soars/#comments</comments>
		<pubDate>Wed, 22 Jul 2009 13:19:34 +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[bankruptcy]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[personal budget]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=479</guid>
		<description><![CDATA[
Numbers have increased due to more people entering retirement with unpaid debts, along with increased life expectancy and the recession. 
Personal insolvencies reached 983 in 2004 and climbed each year to 2,595 in 2008, according to accountants Wilkins Kennedy.
It comes as the number of adults facing bankruptcy reaches the highest level since 1995. 
The Ministry [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Four Stages of Financial Planning</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/four-stages-of-financial-planning/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/four-stages-of-financial-planning/#comments</comments>
		<pubDate>Sat, 20 Jun 2009 10:15:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget Spreadsheet]]></category>
		<category><![CDATA[Budgeting Spreadsheet]]></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=323</guid>
		<description><![CDATA[Financial planning is a life long planning process. After much research and analysis, the life long planning process can be categorised into four stages.  Each stage has their own distinctive objectives.   

Stage One &#8211; The Foundation Years
Age range : Mid-20s to Mid-30s
There are many years of incresing earnings power ahead. And it [...]]]></description>
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