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	<title>Myths On Money &#187; Budgeting</title>
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	<link>http://mythsonmoney.com</link>
	<description>Does it really work?</description>
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		<title>MythTip: Use Mint.com</title>
		<link>http://mythsonmoney.com/2009/02/mythtip-use-mintcom/</link>
		<comments>http://mythsonmoney.com/2009/02/mythtip-use-mintcom/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 22:24:24 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=550</guid>
		<description><![CDATA[Today, we are going to take a look at my favorite online (and FREE) personal finance software: Mint.com. Traditional Software For a number of years, I used Quicken&#8217;s basic finance software to track my expenses and monitor my budget. While the program was very good, there were a few ways in which these new online [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Save Money With Online Coupons</title>
		<link>http://mythsonmoney.com/2009/02/save-money-with-online-coupons/</link>
		<comments>http://mythsonmoney.com/2009/02/save-money-with-online-coupons/#comments</comments>
		<pubDate>Fri, 13 Feb 2009 00:42:11 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[coupon]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=548</guid>
		<description><![CDATA[You know those little things you carefully cut out of the paper each week, then promptly lose/forget about? Those are coupons. Everyone knows about coupons, and how much money they can save when you use them to buy things you normally purchase. The good news is that coupons exist in the digital world, too, in [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/save-money-with-online-coupons/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: 0% is a Deal!</title>
		<link>http://mythsonmoney.com/2009/02/myth-0-is-a-deal/</link>
		<comments>http://mythsonmoney.com/2009/02/myth-0-is-a-deal/#comments</comments>
		<pubDate>Wed, 04 Feb 2009 19:23:18 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Myths]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=591</guid>
		<description><![CDATA[The Word on the Street The ever-so-kind businesses are so generous as to allow us to finance large purchases at zero percent interest!!! What a sweet deal, let&#8217;s take it! The Truth These deceptive deals can be devastating to anyone who fails to read the fine print. Conflict of Interest Businesses are not your friends. [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/02/myth-0-is-a-deal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>On The Lighter Side: Don&#8217;t Buy Stuff</title>
		<link>http://mythsonmoney.com/2009/01/on-the-lighter-side-dont-buy-stuff/</link>
		<comments>http://mythsonmoney.com/2009/01/on-the-lighter-side-dont-buy-stuff/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 01:26:01 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=536</guid>
		<description><![CDATA[I like this video. It kind of illustrates how personal finance can be a lot simpler than we sometimes think it is. I will let the video speak for itself. Couldn&#8217;t have said it better myself.]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/01/on-the-lighter-side-dont-buy-stuff/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: &#8220;Stuff&#8221; = Happiness</title>
		<link>http://mythsonmoney.com/2009/01/myth-stuff-happiness/</link>
		<comments>http://mythsonmoney.com/2009/01/myth-stuff-happiness/#comments</comments>
		<pubDate>Thu, 22 Jan 2009 03:30:39 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Myths]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=520</guid>
		<description><![CDATA[The other night, I was reading Get Rich Slowly, one of my favorite finance blogs. I would like to lift a few of his comments from this fantastic post that illustrate why I LOVE personal finance, and what is truly important in our financial lives. Freedom To lift a quote from Get Rich Slowly: &#8220;To [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/01/myth-stuff-happiness/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mythtip: Cut the Cable</title>
		<link>http://mythsonmoney.com/2009/01/mythtip-cut-the-cable/</link>
		<comments>http://mythsonmoney.com/2009/01/mythtip-cut-the-cable/#comments</comments>
		<pubDate>Sat, 17 Jan 2009 22:41:33 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=503</guid>
		<description><![CDATA[The internet is a fantastic resource for anybody looking for the opportunity to shave a few bucks off their monthly budget. Well, actually, it can shave much more than a few bucks. Here is a tip on how to leverage the power of the internet to decrease your expenses and increase your savings! Cut the [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2009/01/mythtip-cut-the-cable/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: The Best Deal of All</title>
		<link>http://mythsonmoney.com/2008/11/mythtip-the-best-deal-of-all/</link>
		<comments>http://mythsonmoney.com/2008/11/mythtip-the-best-deal-of-all/#comments</comments>
		<pubDate>Sun, 30 Nov 2008 05:40:00 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[deals]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=304</guid>
		<description><![CDATA[In This Post: Black Friday! The Method My Philosophy Black Friday! It probably comes as no surprise to you that I love a good deal. And what&#8217;s the best day of the year to get a great deal? Black Friday of course! I love Black Friday shopping. It&#8217;s fun to get out and absorb the [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/11/mythtip-the-best-deal-of-all/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: Run the Numbers</title>
		<link>http://mythsonmoney.com/2008/11/mythtip-run-it-for-yourself/</link>
		<comments>http://mythsonmoney.com/2008/11/mythtip-run-it-for-yourself/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 21:29:07 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=222</guid>
		<description><![CDATA[Watch this first (if you are having trouble viewing the clip, you can try going to the YouTube clip directly) Personally, I think this video is fantastic. I wholeheartedly endorse the principles discussed here. The principles that Dave Ramsey teaches in it are fantastic. How does this system work? Easy. No interest is paid. Instead [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/11/mythtip-run-it-for-yourself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: Building Your Credit Score</title>
		<link>http://mythsonmoney.com/2008/10/mythtip-building-your-credit-score/</link>
		<comments>http://mythsonmoney.com/2008/10/mythtip-building-your-credit-score/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 22:25:49 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[credit]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=182</guid>
		<description><![CDATA[Okay, I may be guilty of perpetuating a money myth. In my post you must use credit to get credit I am afraid I may have given the impression that the quality of your credit history and score is not an important consideration for lenders (see how easily these myths can spring up?). That was [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/10/mythtip-building-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip:  Emergency fund &#8220;smoothing&#8221;</title>
		<link>http://mythsonmoney.com/2008/09/mythtip-emergency-fund-smoothing/</link>
		<comments>http://mythsonmoney.com/2008/09/mythtip-emergency-fund-smoothing/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:40:18 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=134</guid>
		<description><![CDATA[The Business Cycle In economics, the business cycle refers to the tendency of the conomy to fluctuate up and down from growth to recession and back again. It is a pattern that is notable throughout all of recorded economics. The economy flips back and forth, from the roaring 20&#8242;s to the Great Depression, back up [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/09/mythtip-emergency-fund-smoothing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: Keeping Up With The Jones&#8217;</title>
		<link>http://mythsonmoney.com/2008/09/myth-keeping-up-with-the-jones/</link>
		<comments>http://mythsonmoney.com/2008/09/myth-keeping-up-with-the-jones/#comments</comments>
		<pubDate>Sun, 21 Sep 2008 16:59:07 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Myths]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=120</guid>
		<description><![CDATA[The Word on the Street: Everyone wants to have possessions as fine and expensive as their neighbors do. Most people try to spend in such a way as to ensure that they appear no different than &#8220;everyone else&#8221;.   The Truth: While it is totally possible to keep up with the Jones&#8217;, do not do [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/09/myth-keeping-up-with-the-jones/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: Credit Improves Your Quality of Life</title>
		<link>http://mythsonmoney.com/2008/09/myth-credit-improves-your-quality-of-life/</link>
		<comments>http://mythsonmoney.com/2008/09/myth-credit-improves-your-quality-of-life/#comments</comments>
		<pubDate>Fri, 05 Sep 2008 20:40:26 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Myths]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=124</guid>
		<description><![CDATA[The Word on the Street There is a general opinion (fostered by aggressive advertising campaigns) that using credit will let the borrower have goods and services they could not otherwise afford, and thus improve their quality of life. The Truth: Credit, whether a mortgage, credit card, home equity loan, installment loan (ie making payments on a tv, washing [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/09/myth-credit-improves-your-quality-of-life/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: Budgeting For Fun!</title>
		<link>http://mythsonmoney.com/2008/08/mythtip-budgeting-for-fun/</link>
		<comments>http://mythsonmoney.com/2008/08/mythtip-budgeting-for-fun/#comments</comments>
		<pubDate>Mon, 18 Aug 2008 22:53:24 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[fun]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=109</guid>
		<description><![CDATA[On a special request, this post will take a quick look at how you can approach the task of deciding how much “fun money” to allow in your budget. Not Science, But Close Enough Like lots of other aspects of personal finance, the decision of how much fun money is too much depends on a [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/08/mythtip-budgeting-for-fun/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: Think Like A Financier!</title>
		<link>http://mythsonmoney.com/2008/08/mythtip-think-like-a-financier/</link>
		<comments>http://mythsonmoney.com/2008/08/mythtip-think-like-a-financier/#comments</comments>
		<pubDate>Fri, 08 Aug 2008 22:07:22 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=97</guid>
		<description><![CDATA[Personal finance is really not all that difficult. In fact, most people could probably maintain their finances in good health without any assistance whatsoever if they had only been taught the subtle nuances of money and the implications of various cash flows. In this MythTip, we’ll take a look at one way in which you [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/08/mythtip-think-like-a-financier/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>MythTip: Money in Marriage</title>
		<link>http://mythsonmoney.com/2008/07/mythtip-money-in-marriage/</link>
		<comments>http://mythsonmoney.com/2008/07/mythtip-money-in-marriage/#comments</comments>
		<pubDate>Mon, 28 Jul 2008 23:27:16 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[Joint Accounts]]></category>
		<category><![CDATA[Marriage]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=54</guid>
		<description><![CDATA[A lot of people struggle when it comes to merging their finances when they get married. In fact, not many people even think about how complex an issue it can be, and they are taken completely by surprise when they have to face these issues after the honeymoon. In this MythTip, we’ll take a look [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/07/mythtip-money-in-marriage/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Myth: It is Hard to &#8220;Buy Low, Sell High&#8221;</title>
		<link>http://mythsonmoney.com/2008/01/myth-it-is-hard-to-buy-low-sell-high/</link>
		<comments>http://mythsonmoney.com/2008/01/myth-it-is-hard-to-buy-low-sell-high/#comments</comments>
		<pubDate>Fri, 04 Jan 2008 00:46:06 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Myths]]></category>
		<category><![CDATA[stocks]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/archives/13</guid>
		<description><![CDATA[The Word on the Street: Everybody knows that they always want to buy when prices are low. And not just when investing! And everybody knows the they want to sell when prices are high. Again, not just when investing! But so many people lose tons of money on the stock market because they do the [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2008/01/myth-it-is-hard-to-buy-low-sell-high/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: The Bigger the Tax Return, the Better</title>
		<link>http://mythsonmoney.com/2007/12/myth-the-bigger-the-tax-return-the-better/</link>
		<comments>http://mythsonmoney.com/2007/12/myth-the-bigger-the-tax-return-the-better/#comments</comments>
		<pubDate>Thu, 13 Dec 2007 15:56:27 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Myths]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/archives/10</guid>
		<description><![CDATA[The Word on the Street: Who doesn&#8217;t like to get a big fat check in the mail from Uncle Sam every April? The Truth: When one understands a little bit about how the U.S. tax system works, it can be seen that the closer to $0 your tax return is, the better it is for [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2007/12/myth-the-bigger-the-tax-return-the-better/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Myth: Budget is a Four-Letter Word</title>
		<link>http://mythsonmoney.com/2007/12/myth-budget-is-a-four-letter-word/</link>
		<comments>http://mythsonmoney.com/2007/12/myth-budget-is-a-four-letter-word/#comments</comments>
		<pubDate>Wed, 05 Dec 2007 22:48:37 +0000</pubDate>
		<dc:creator>Patrick Payne</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://mythsonmoney.com/?p=5</guid>
		<description><![CDATA[The Word on the Street: Budgets have gotten a bad rap over the years. The word itself has become a profanity for many people. They are often considered them nuisances that restrict one’s choices, prohibit fun, and make life miserable in general. The Truth: The truth of budgeting is that a budget is not restrictive [...]]]></description>
		<wfw:commentRss>http://mythsonmoney.com/2007/12/myth-budget-is-a-four-letter-word/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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