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	<title>FinancialGuruOnline.com &#187; Financial Planning</title>
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	<link>http://www.financialguruonline.com</link>
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		<title>Sometimes the Best Budgeting is Buying More</title>
		<link>http://www.financialguruonline.com/sometimes-the-best-budgeting-is-buying-more/</link>
		<comments>http://www.financialguruonline.com/sometimes-the-best-budgeting-is-buying-more/#comments</comments>
		<pubDate>Thu, 07 Oct 2010 14:52:46 +0000</pubDate>
		<dc:creator>FinancialGuruOnline.com</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[laundry detergent]]></category>
		<category><![CDATA[living below your means]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[product consumers]]></category>
		<category><![CDATA[recession]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=250</guid>
		<description><![CDATA[How often do you hear someone advise that spending more money actually saves money?  Not too often.  But how often, in the realm of personal finance, is this true?  Almost always. Shoppers around the world have a bad habit of making some of the worst personal finance moves.  The first is to live above your [...]]]></description>
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		<title>Running a Family Budget Like a Business</title>
		<link>http://www.financialguruonline.com/running-a-family-budget-like-a-business/</link>
		<comments>http://www.financialguruonline.com/running-a-family-budget-like-a-business/#comments</comments>
		<pubDate>Sun, 12 Sep 2010 04:37:05 +0000</pubDate>
		<dc:creator>FinancialGuruOnline.com</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[annual percentage rate]]></category>
		<category><![CDATA[balance sheet]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[checking accounts]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt obligations]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[diversified investment portfolio]]></category>
		<category><![CDATA[family budget]]></category>
		<category><![CDATA[historical returns]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[How to]]></category>
		<category><![CDATA[Invest]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[nitty gritty details]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[saving for retirement]]></category>
		<category><![CDATA[taking the time]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=242</guid>
		<description><![CDATA[A family budget is something everyone knows they should have, but rarely do people ever take the step to actually design one.  Then, those who do create a budget just move numbers around, never taking the time to fully understand how to best operate their own personal cash flow and balance sheets. The key to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Changing Your Credit Lifestyle</title>
		<link>http://www.financialguruonline.com/changing-your-credit-lifestyle/</link>
		<comments>http://www.financialguruonline.com/changing-your-credit-lifestyle/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 01:44:36 +0000</pubDate>
		<dc:creator>FinancialGuruOnline.com</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[designer clothes]]></category>
		<category><![CDATA[healthy lifestyle]]></category>
		<category><![CDATA[how much money]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[physical health]]></category>
		<category><![CDATA[purchase clothing]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=230</guid>
		<description><![CDATA[You can change your credit situation around if you have bad debt and problems with your finances.  To retain good physical health, you need to have a healthy lifestyle.  The same is true of good credit health.  You need to have a good credit lifestyle and healthy spending habits. Credit Accounts In order to change [...]]]></description>
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		<title>Creating a Balanced Investment Portfolio</title>
		<link>http://www.financialguruonline.com/creating-a-balanced-investment-portfolio/</link>
		<comments>http://www.financialguruonline.com/creating-a-balanced-investment-portfolio/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 02:45:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investment Portfolio]]></category>
		<category><![CDATA[diversified investment portfolio]]></category>
		<category><![CDATA[financial targets]]></category>
		<category><![CDATA[high risk]]></category>
		<category><![CDATA[Invest]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investment portfolios]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[Market]]></category>
		<category><![CDATA[maximum profit]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[risk investments]]></category>
		<category><![CDATA[stocks that pay dividends]]></category>
		<category><![CDATA[Trends]]></category>
		<category><![CDATA[types of stock]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=220</guid>
		<description><![CDATA[A balanced investment portfolio is one that provides you with the maximum profit potential while staying within your investing time frame and risk tolerance. This varies a lot from one person to the next based on such factors as income, age, and personality. You should create an investment portfolio that matches your financial targets. Your [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How to Save Money</title>
		<link>http://www.financialguruonline.com/how-to-save-money/</link>
		<comments>http://www.financialguruonline.com/how-to-save-money/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 18:41:20 +0000</pubDate>
		<dc:creator>FinancialGuruOnline.com</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Bargain]]></category>
		<category><![CDATA[best ways to save money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Compare]]></category>
		<category><![CDATA[Deals]]></category>
		<category><![CDATA[How to]]></category>
		<category><![CDATA[how to save money]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Sale]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=212</guid>
		<description><![CDATA[In an economy that is constantly getting tighter, a consumer must find ways to cinch the belt and save money. The question most consumers are asking is “How to save money?” There are plenty of ways to save a few pennies here and there. Whether it’s making changes in lifestyle to save over the long [...]]]></description>
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		</item>
		<item>
		<title>Personal Finance: Vital to Financial Survival</title>
		<link>http://www.financialguruonline.com/personal-finance-vital-to-financial-survival/</link>
		<comments>http://www.financialguruonline.com/personal-finance-vital-to-financial-survival/#comments</comments>
		<pubDate>Tue, 10 Nov 2009 16:51:39 +0000</pubDate>
		<dc:creator>FinancialGuruOnline.com</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[adjustable rate mortgages]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debts bankruptcy]]></category>
		<category><![CDATA[dollar purchase]]></category>
		<category><![CDATA[down economy]]></category>
		<category><![CDATA[finance charge]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[monthly mortgage payments]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[personal savings]]></category>
		<category><![CDATA[spending money]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=210</guid>
		<description><![CDATA[It is important for consumers to have an understanding of personal finance. Many consumers, especially around the holidays go hog wild and spend money that they do not have. Credit cards have become a huge crutch for millions of Americans. The problem with credit cards is that each purchase that is made incurs a finance [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Five Types of Budgeting Methods</title>
		<link>http://www.financialguruonline.com/five-types-of-budgeting-methods/</link>
		<comments>http://www.financialguruonline.com/five-types-of-budgeting-methods/#comments</comments>
		<pubDate>Fri, 23 Jan 2009 08:04:49 +0000</pubDate>
		<dc:creator>FinancialGuruOnline.com</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Budgeting Methods]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[cupboards]]></category>
		<category><![CDATA[financial health]]></category>
		<category><![CDATA[How to Budget]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[multiple days]]></category>
		<category><![CDATA[safety net]]></category>
		<category><![CDATA[spending cash]]></category>
		<category><![CDATA[variable expenses]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=145</guid>
		<description><![CDATA[Budgeting is an essential part of your financial health – and should be completed by ever individual, every family to ensure that the finances are being met head on with honesty. There are many types of budgets which you can choose to adhere to – here are some methods that have worked for many consumers [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Fighting Your Debt through Expense Control</title>
		<link>http://www.financialguruonline.com/fighting-your-debt-through-expense-control/</link>
		<comments>http://www.financialguruonline.com/fighting-your-debt-through-expense-control/#comments</comments>
		<pubDate>Sat, 13 Dec 2008 01:34:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[automatic debits]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt monster]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[due date]]></category>
		<category><![CDATA[expense control]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[phone expenses]]></category>
		<category><![CDATA[variable expenses]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=140</guid>
		<description><![CDATA[You will never tame your debt monster without implementing some type of expense control. In fact, you should work to implement expense control even before looking into ways to increase income. This is because measures to implement expense control can serve to increase your disposable income which can then be used to reduce your debt. [...]]]></description>
		<wfw:commentRss>http://www.financialguruonline.com/fighting-your-debt-through-expense-control/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit cards for students</title>
		<link>http://www.financialguruonline.com/credit-cards-for-students/</link>
		<comments>http://www.financialguruonline.com/credit-cards-for-students/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 21:23:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[Bargain]]></category>
		<category><![CDATA[cheap flights]]></category>
		<category><![CDATA[companion course]]></category>
		<category><![CDATA[course students]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card interest]]></category>
		<category><![CDATA[credit card interest rates]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit cards for students]]></category>
		<category><![CDATA[favorable conditions]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Invest]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[overdraft credit]]></category>
		<category><![CDATA[Student]]></category>
		<category><![CDATA[student travel]]></category>
		<category><![CDATA[traveling all over the world]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/credit-cards-for-students/</guid>
		<description><![CDATA[The budget is small, but the plans are great! Most students see their studies not only themselves but also the period of study in itself as an investment: Preferring many trips abroad, internships and an expensive laptop for most students are now obvious. But because all this is not exactly cheap. In each case to [...]]]></description>
		<wfw:commentRss>http://www.financialguruonline.com/credit-cards-for-students/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Effective Ways to Erase Bad Debt</title>
		<link>http://www.financialguruonline.com/effective-ways-to-erase-bad-debt/</link>
		<comments>http://www.financialguruonline.com/effective-ways-to-erase-bad-debt/#comments</comments>
		<pubDate>Fri, 22 Aug 2008 18:54:37 +0000</pubDate>
		<dc:creator>FinancialGuruOnline.com</dc:creator>
				<category><![CDATA[Banking & Credit]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://www.financialguruonline.com/?p=3</guid>
		<description><![CDATA[Buying new clothes, shoes, and gadgets definitely sound like a very enjoyable past time &#8212; but not so, when you are using a credit card for this past time and are paying a very high interest for such purchases. If you feel happy after making new purchase, you will not feel as blissful afterwards so [...]]]></description>
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		<slash:comments>0</slash:comments>
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