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	<title>Personal Budget Help &#187; ways to save money</title>
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	<link>http://personalbudgethelp.com</link>
	<description>Ways to save money and better manage your home finances</description>
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		<title>Quick Tips to Save Money</title>
		<link>http://personalbudgethelp.com/2010/08/quick-tips-to-save-money/</link>
		<comments>http://personalbudgethelp.com/2010/08/quick-tips-to-save-money/#comments</comments>
		<pubDate>Wed, 25 Aug 2010 04:45:05 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[lowering grocery cost]]></category>
		<category><![CDATA[managing credit]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=280</guid>
		<description><![CDATA[This is a guest post by Kevin Craig.  See author bio. The recent generation fails to understand that “A penny saved is a penny earned”. If you start saving a decent amount of cash then you prevent yourself from further borrowing and you can pay off debts from your savings. If you save a good [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Form Versus Function in Purchases</title>
		<link>http://personalbudgethelp.com/2010/08/form-versus-function-in-purchases/</link>
		<comments>http://personalbudgethelp.com/2010/08/form-versus-function-in-purchases/#comments</comments>
		<pubDate>Sat, 07 Aug 2010 13:13:37 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[General Advise]]></category>
		<category><![CDATA[budget strategies]]></category>
		<category><![CDATA[making choices in shopping]]></category>
		<category><![CDATA[managing money]]></category>
		<category><![CDATA[shopping frugally]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=273</guid>
		<description><![CDATA[It&#8217;s amazing how many people I see who have beautiful homes filled with aesthetically pleasing objects, yet are struggling financially. Quite often I find that the people are working two, even three, jobs to make ends meet. They miss time with their family and friends. And they do complain about it. there is no comprehension [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Interview by Nicole Plescher</title>
		<link>http://personalbudgethelp.com/2010/04/interview-by-nicole-plescher/</link>
		<comments>http://personalbudgethelp.com/2010/04/interview-by-nicole-plescher/#comments</comments>
		<pubDate>Mon, 19 Apr 2010 04:37:13 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Budget Tips & Advice]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[My Story]]></category>
		<category><![CDATA[budget resources]]></category>
		<category><![CDATA[budget story]]></category>
		<category><![CDATA[budget tips]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[learning to budget]]></category>
		<category><![CDATA[personal budget tips]]></category>
		<category><![CDATA[personal home budgeting]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=258</guid>
		<description><![CDATA[1) What&#8217;s your &#8220;frugality story?&#8221; In other words, how and why did you become frugal? I went through a bad split up with my kids&#8217; mom a couple of years back. I was making a lot of money (over $100k per year) and had suddenly lost my business because of a change in the economy. [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Determine If Cash Is Better Than Credit at the Pump</title>
		<link>http://personalbudgethelp.com/2010/03/how-to-determine-if-cash-is-better-than-credit-at-the-pump/</link>
		<comments>http://personalbudgethelp.com/2010/03/how-to-determine-if-cash-is-better-than-credit-at-the-pump/#comments</comments>
		<pubDate>Wed, 31 Mar 2010 14:48:54 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget tips]]></category>
		<category><![CDATA[cash loan]]></category>
		<category><![CDATA[cash versus credit]]></category>
		<category><![CDATA[managing money]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=256</guid>
		<description><![CDATA[Whether you drive a hybrid car, an economy car, or a sports utility vehicle you are going to need to get gas and when you do you are going to want to get the most bang for your buck.  As the recession has come to an end the gas consumption has risen causing a classic [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Planning Your Financial Future in Old Age</title>
		<link>http://personalbudgethelp.com/2009/08/planning-your-financial-future-in-old-age/</link>
		<comments>http://personalbudgethelp.com/2009/08/planning-your-financial-future-in-old-age/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 22:59:19 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Increasing Income]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[multiple streams of income]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[starting a business]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=224</guid>
		<description><![CDATA[Is Retirement Planning Worth the Effort? I recently heard someone comment that saving and planning for retirement really isn’t worth the effort. The idea here is that people who plan to sit around and read or just simply relax but are presently working very hard to build a financial nest egg probably won’t need it, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving Money on Home Repairs and Maintenance</title>
		<link>http://personalbudgethelp.com/2009/07/saving-money-on-home-repairs-and-maintenance/</link>
		<comments>http://personalbudgethelp.com/2009/07/saving-money-on-home-repairs-and-maintenance/#comments</comments>
		<pubDate>Sat, 18 Jul 2009 02:49:42 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[home repairs]]></category>
		<category><![CDATA[saving on household expenses]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=206</guid>
		<description><![CDATA[Decreasing the Expenses of Home Upkeep by Doing It on Your Own The last decade or so has seen a huge surge in do-it-yourself projects, know how and people simply willing to learn and get their hands into home renovation and maintenance projects. And there is good reason why – it costs much less than [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Controversial Budget Tips</title>
		<link>http://personalbudgethelp.com/2009/06/controversial-budget-tips/</link>
		<comments>http://personalbudgethelp.com/2009/06/controversial-budget-tips/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 16:37:21 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Budget Tips & Advice]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[budget tips]]></category>
		<category><![CDATA[budgeting advice]]></category>
		<category><![CDATA[family budget tips]]></category>
		<category><![CDATA[personal home budgeting]]></category>
		<category><![CDATA[saving on grocery budgets]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=164</guid>
		<description><![CDATA[Some &#8220;budget tips&#8221; are such that they may not really save money. Saving money is more than just buying the item that has a lower sticker price. There are other costs involved that people don&#8217;t always examine.  How much does it cost to go to a certain store, versus going to the one closer? What [...]]]></description>
		<wfw:commentRss>http://personalbudgethelp.com/2009/06/controversial-budget-tips/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The High Cost of Clutter</title>
		<link>http://personalbudgethelp.com/2009/06/the-high-cost-of-clutter/</link>
		<comments>http://personalbudgethelp.com/2009/06/the-high-cost-of-clutter/#comments</comments>
		<pubDate>Mon, 22 Jun 2009 17:36:32 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Budget Tips & Advice]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[de-cluttering your home]]></category>
		<category><![CDATA[decreasing your budget expenses]]></category>
		<category><![CDATA[lowering expenses]]></category>
		<category><![CDATA[saving on household expenses]]></category>
		<category><![CDATA[saving on storage]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=153</guid>
		<description><![CDATA[Save Money by Getting Rid of What You Don&#8217;t Need Most people store things they don&#8217;t use all the time in their basements or garages. And they don&#8217;t realise how much this is really costing them. Clutter. It sounds ominous, like something that we find annoying, but not really bad. A huge nuisance that we [...]]]></description>
		<wfw:commentRss>http://personalbudgethelp.com/2009/06/the-high-cost-of-clutter/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Using Online Free Advertising</title>
		<link>http://personalbudgethelp.com/2009/05/online-free-advertising/</link>
		<comments>http://personalbudgethelp.com/2009/05/online-free-advertising/#comments</comments>
		<pubDate>Mon, 11 May 2009 20:32:56 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[Budget Tips & Advice]]></category>
		<category><![CDATA[budget saving strategy]]></category>
		<category><![CDATA[budget tips]]></category>
		<category><![CDATA[free online adverting]]></category>
		<category><![CDATA[how to save money using free sites]]></category>
		<category><![CDATA[save on child expenses]]></category>
		<category><![CDATA[use free advertising to improve your budget]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=137</guid>
		<description><![CDATA[What does online free advertising have to do with saving in your budget? Do you ever have to find something or sell something or simply get rid of something that is too big or difficult to throw away (and is still usable)? Well, there are several online places that allow people to place a huge [...]]]></description>
		<wfw:commentRss>http://personalbudgethelp.com/2009/05/online-free-advertising/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Let&#8217;s all pitch in personal finance tips!</title>
		<link>http://personalbudgethelp.com/2008/11/personal-finance-tips/</link>
		<comments>http://personalbudgethelp.com/2008/11/personal-finance-tips/#comments</comments>
		<pubDate>Sat, 29 Nov 2008 06:28:19 +0000</pubDate>
		<dc:creator>Johanus</dc:creator>
				<category><![CDATA[My Story]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[budget tips]]></category>
		<category><![CDATA[budgeting advice]]></category>
		<category><![CDATA[family budgeting]]></category>
		<category><![CDATA[home budgeting]]></category>
		<category><![CDATA[personal budgeting]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[personal home budgeting]]></category>
		<category><![CDATA[ways to save money]]></category>

		<guid isPermaLink="false">http://personalbudgethelp.com/?p=1</guid>
		<description><![CDATA[As someone who has been through the worst of personal finances and managed to pull back from theÂ brink, I can sure relate to the problems that people can face in personal budgeting. Why did I get into such trouble? Well, let&#8217;s just say that I was used to living a fairly simple lifestyle, then married [...]]]></description>
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		<slash:comments>0</slash:comments>
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