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	<title>Budgeting Spreadsheet &#187; personal bugeting 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>Everyone does some kinds of mental accounting</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/everyone-does-some-kinds-of-mental-accounting/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/everyone-does-some-kinds-of-mental-accounting/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 20:00:13 +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 bugeting spreadsheet]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=845</guid>
		<description><![CDATA[Mental accounting is a form of book keeping that everyone does more or less automatically, although not necessarily consciously. Studies have shown that we divide our finances between separate mental accounts, such as going out, household expenses, clothes, buying birthday presents etc., and then keep a metal tally of how much we have left to [...]]]></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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		<item>
		<title>How much debt should you carry?</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-much-debt-should-you-carry/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/financial-budget/how-much-debt-should-you-carry/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 07:22:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Budget]]></category>
		<category><![CDATA[Manage Debts]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Financial Budget Preparation]]></category>
		<category><![CDATA[financial budgeting]]></category>
		<category><![CDATA[financing budget]]></category>
		<category><![CDATA[Personal Budgeting]]></category>
		<category><![CDATA[personal bugeting spreadsheet]]></category>

		<guid isPermaLink="false">http://budgeting-spreadsheet.com/?p=534</guid>
		<description><![CDATA[
Before you make another major purchase, do some calculating.
You just bought your dream car. And you’re still making the monthly mortgage payments on your dream house. Now, you hear the latest model of the home theater equipment you’ve been dreaming about is being sold at a special introductory price at the mall.
Before you rush off [...]]]></description>
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		<slash:comments>0</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>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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		<slash:comments>0</slash:comments>
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		<title>Protect your Investment Programmes</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/protect-your-investment-programmes/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/protect-your-investment-programmes/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 03:35:38 +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=282</guid>
		<description><![CDATA[This is the last step of &#8220;7 Real Steps to Financial Freedom&#8221;

Any plan is only worth the used piece of paper it is written on unless it is worked out and adequately protected against foreseable risks.
So to ensure that your financial goals are achieved, consider protect it with an appropriate insurance policy. You can consult [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Put your investment Programmes into Action</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/put-your-investment-programmes-into-action/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/put-your-investment-programmes-into-action/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 03:24:45 +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=279</guid>
		<description><![CDATA[By now, you are all set to put your investment programmes into action.

To start, prepare an asset allocations spreadsheet using the personal budgeting spreadsheets.  Decide on which asset allocation models that will suit you.
Before you embark upon any investment programmes, please ensure that you have an emergency buffer of between six to nine months&#8217; [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Know your Personal Risk Tolerance</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/know-your-personal-risk-tolerance/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/know-your-personal-risk-tolerance/#comments</comments>
		<pubDate>Fri, 19 Jun 2009 02:51:59 +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=268</guid>
		<description><![CDATA[Nothing is free in life. If you want to get rich, you have to be able to stomach at least some level of risk.
But what is the correct level of risk? In practice, not eveyone can stomach the same level or risk.  Based on reality, it is pointless to make an investment which might [...]]]></description>
		<wfw:commentRss>http://budgeting-spreadsheet.com/budget-spreadsheet/know-your-personal-risk-tolerance/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Identify your Financial Needs</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/identify-your-financial-needs/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/identify-your-financial-needs/#comments</comments>
		<pubDate>Thu, 18 Jun 2009 07:28:20 +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=256</guid>
		<description><![CDATA[
Earlier two steps assessed your current financial position. Now that you have a better grasp of your net worth (and your investible funds) and cashflow positions, you should be able to identify your financial needs. 
For many people, the most pressing needs are: tertiary education funding, retirement and home owership. What you deem important however [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Prepare your Cashflow Statement</title>
		<link>http://budgeting-spreadsheet.com/budget-spreadsheet/prepare-your-cashflow-statement/</link>
		<comments>http://budgeting-spreadsheet.com/budget-spreadsheet/prepare-your-cashflow-statement/#comments</comments>
		<pubDate>Thu, 18 Jun 2009 07:06:40 +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=249</guid>
		<description><![CDATA[
In the previous step you computed your net worth. The job at hand now is to improve upon that number. The only way to do that is to ensure that you have a positive cashflow position so that you can take that excess cash over your expenditure and allocate it to improve your net worth.
To [...]]]></description>
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		<slash:comments>2</slash:comments>
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