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	<title>FinancialGuruOnline.com &#187; personal savings</title>
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		<title>Personal Finance: Vital to Financial Survival</title>
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		<pubDate>Tue, 10 Nov 2009 16:51:39 +0000</pubDate>
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				<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>
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		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[interest rates]]></category>
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		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[personal savings]]></category>
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		<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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