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	<title>Debtspiration &#187; Saving</title>
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		<title>Failure to Plan</title>
		<link>http://www.debtspiration.com/saving/failure-to-plan/</link>
		<comments>http://www.debtspiration.com/saving/failure-to-plan/#comments</comments>
		<pubDate>Wed, 06 Aug 2008 06:05:11 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Mary Hunt]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2006/08/failure-to-plan/</guid>
		<description><![CDATA[Failure to plan is expensive.  Choosing to anticipate is the way to head off the big financial blows, because you are buying a commodity more precious than money: time.
— Mary Hunt, Live Your Life for Half the Price
]]></description>
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		<title>Pay Yourself First</title>
		<link>http://www.debtspiration.com/saving/pay-yourself-first/</link>
		<comments>http://www.debtspiration.com/saving/pay-yourself-first/#comments</comments>
		<pubDate>Tue, 04 Dec 2007 15:45:00 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Saving]]></category>
		<category><![CDATA[Tod Barnhart]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/12/pay-yourself-first/</guid>
		<description><![CDATA[The first ritual of wealth and the most important rule of financial success is: Pay yourself first; it&#8217;s okay to keep some.
&#8212; Tod Barnhart, The Five Rituals of Wealth
]]></description>
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		<title>What&#8217;s Really Hard</title>
		<link>http://www.debtspiration.com/blogroll/whats-really-hard/</link>
		<comments>http://www.debtspiration.com/blogroll/whats-really-hard/#comments</comments>
		<pubDate>Tue, 20 Nov 2007 17:48:56 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[Tod Barnhart]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/11/whats-really-hard/</guid>
		<description><![CDATA[I hear this all the time:  &#8220;But it [smart personal finance] is so hard.&#8221;  Well, it&#8217;s easier than you think, and it&#8217;s certainly easier than becoming a financial statistic.  Being a financial failure is what&#8217;s really hard.
&#8212; Tod Barnhart, The Five Rituals of Wealth
]]></description>
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		<slash:comments>0</slash:comments>
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		<title>More Money Isn&#8217;t the Fix</title>
		<link>http://www.debtspiration.com/blogroll/more-money-isnt-the-fix/</link>
		<comments>http://www.debtspiration.com/blogroll/more-money-isnt-the-fix/#comments</comments>
		<pubDate>Mon, 12 Nov 2007 14:24:26 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[Tod Barnhart]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/11/more-money-isnt-the-fix/</guid>
		<description><![CDATA[When advised to budget, most people respond: &#8220;But I just don&#8217;t have enough money.&#8221;  In fact, most of these individuals have a lot more money than they think; they just lack control of it.  Making more money is not the answer.  The sad truth is that if you&#8217;re out of control, no matter how much [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Habits Control Your Destiny</title>
		<link>http://www.debtspiration.com/blogroll/habits-control-your-destiny/</link>
		<comments>http://www.debtspiration.com/blogroll/habits-control-your-destiny/#comments</comments>
		<pubDate>Tue, 06 Nov 2007 06:11:23 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Jon Hanson]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/11/habits-control-your-destiny/</guid>
		<description><![CDATA[Some people never realize that they can redirect their present incomes and become wealthy.  They buy into the popular culture and ignore the wisdom of the ages.  You are responsible for your choices.  Recast your habits and you will change your life permanently.  You may change temporarily by sheer force of will, but it will [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Save or Pay Debt?</title>
		<link>http://www.debtspiration.com/blogroll/save-or-pay-debt/</link>
		<comments>http://www.debtspiration.com/blogroll/save-or-pay-debt/#comments</comments>
		<pubDate>Mon, 24 Sep 2007 06:07:28 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Suze Orman]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2006/04/save-or-pay-debt/</guid>
		<description><![CDATA[A lot of people get confused about what to do first when it comes to saving money: pay off debt, save for their retirement, or just put money away for an emergency fund. Listen, if you are paying 18 percent interest on your credit card debt, it makes absolutely no sense to start a savings [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Self Esteem</title>
		<link>http://www.debtspiration.com/blogroll/self-esteem/</link>
		<comments>http://www.debtspiration.com/blogroll/self-esteem/#comments</comments>
		<pubDate>Thu, 20 Sep 2007 06:07:29 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Other Notable Personas]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/09/self-esteem/</guid>
		<description><![CDATA[I know you think you&#8217;ll feel better if you buy a new shirt, buy a new blouse or go get your hair done because you&#8217;re feeling down a bit; life&#8217;s gotten to you.  But, the truth is, if you have $500 in your savings account, then you&#8217;ve got self-esteem, because that&#8217;s the one thing you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Money Runs Their Lives</title>
		<link>http://www.debtspiration.com/saving/money-runs-their-lives/</link>
		<comments>http://www.debtspiration.com/saving/money-runs-their-lives/#comments</comments>
		<pubDate>Wed, 05 Sep 2007 03:22:14 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Robert Kiyosaki]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/09/money-runs-their-lives/</guid>
		<description><![CDATA[Remember what I said before: A job is only a short-term solution to a long-term problem.  Most people have only one problem in mind, and it&#8217;s short-term.  It&#8217;s the bills at the end of the month.  Money now runs their lives.
&#8212; Robert Kiyosaki, Rich Dad, Poor Dad
]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Benefit Concert</title>
		<link>http://www.debtspiration.com/saving/benefit-concert/</link>
		<comments>http://www.debtspiration.com/saving/benefit-concert/#comments</comments>
		<pubDate>Thu, 09 Aug 2007 02:01:02 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Other Notable Personas]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/08/benefit-concert/</guid>
		<description><![CDATA[It&#8217;s like I&#8217;ve said, &#8220;I&#8217;ve been broke a lot of times, but I&#8217;ve never been poor.&#8221; My mother taught me to put some money aside for a rainy day. But our industry is the worst in the world for money — same with athletes. After I played a benefit concert to pay for my friend&#8217;s medical [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Money is Not for Spending</title>
		<link>http://www.debtspiration.com/saving/money-is-not-for-spending/</link>
		<comments>http://www.debtspiration.com/saving/money-is-not-for-spending/#comments</comments>
		<pubDate>Thu, 02 Aug 2007 06:08:10 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Mary Hunt]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>

		<guid isPermaLink="false">http://www.debtspiration.com/2007/08/money-is-not-for-spending/</guid>
		<description><![CDATA[Hang on to your hat because I&#8217;m going to tell you something that may be hard to swallow.  Money is not for spending.  It took me the longest time to understand this — money is for managing first and then for spending.  That truth profoundly changed my attitude about money.
— Mary Hunt, Debt-Proof Your Marriage
]]></description>
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