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	<title>Moneywise24 Personal Finance &#187; Expenses</title>
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	<link>http://www.moneywise24.com</link>
	<description>Managing your Personal Finances Wisely</description>
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		<item>
		<title>How to Save Money on Lodging with Couchsurfing</title>
		<link>http://www.moneywise24.com/2010/01/how-to-save-money-on-lodging-with-couchsurfing/</link>
		<comments>http://www.moneywise24.com/2010/01/how-to-save-money-on-lodging-with-couchsurfing/#comments</comments>
		<pubDate>Sat, 23 Jan 2010 09:47:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[Headline]]></category>
		<category><![CDATA[couchsurfing]]></category>
		<category><![CDATA[lodging]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=419</guid>
		<description><![CDATA[Traveling can be quite expensive. First, a large proportion is spent on getting to your destination, either via plane, car, train, or whichever method of transportation you use. Second, daily activities and food and beverages might eat up a large proportion of your budget. Last, you will need a place to stay. Most people choose for a hotel, a hostel, a campsite, or similar. Especially for the more open-minded people among us, there is a cheap alternative to the so expensive lodging: it is called couchsurfing (www.couchsurfing.com).
Couchsurfing is not as much focussed ...]]></description>
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		<slash:comments>3</slash:comments>
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		<title>How Fraud Results in Unauthorized Bank Transfers</title>
		<link>http://www.moneywise24.com/2009/12/how-fraud-results-in-unauthorized-bank-transfers/</link>
		<comments>http://www.moneywise24.com/2009/12/how-fraud-results-in-unauthorized-bank-transfers/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 11:43:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=300</guid>
		<description><![CDATA[This morning, as I was drinking my coffee and waking up slowly, I watched a report about a new type of scam which involves unauthorized bank transfers. Although the report mainly applies to the German banking system, this could also apply to other countries where law permits it.
Basically, fraudsters will generate a random bank account number, and they will try to transfer 1 cent to that account number. If the transfer bounces, it means that the account number is non-existent. However, if the transfer is accepted, fraudsters will know that ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Little Things You Can Do At Home to Save Money</title>
		<link>http://www.moneywise24.com/2009/12/5-little-things-you-can-do-at-home-to-save-money/</link>
		<comments>http://www.moneywise24.com/2009/12/5-little-things-you-can-do-at-home-to-save-money/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 19:43:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[apartment]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[energy saving]]></category>
		<category><![CDATA[heating]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[house]]></category>
		<category><![CDATA[light]]></category>
		<category><![CDATA[living]]></category>
		<category><![CDATA[water]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=268</guid>
		<description><![CDATA[The economic times we live in put many individuals under pressure; the recession, unemployment, more competition. But also inflation, and rising prices in general make the need to save more money where possible essential. Yet many people are literally throwing away their money, by using their homes or living environments very inefficiently.
There are, however, some very small things you can do in order to save money. In most cases, these may require a small investment at first, but they will be paid back quite soon considering the savings. Let&#8217;s get ...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Credit Cards and How to Use them Intelligently</title>
		<link>http://www.moneywise24.com/2009/12/credit-cards-and-how-to-use-them-intelligently/</link>
		<comments>http://www.moneywise24.com/2009/12/credit-cards-and-how-to-use-them-intelligently/#comments</comments>
		<pubDate>Sun, 13 Dec 2009 15:52:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=253</guid>
		<description><![CDATA[Without doubt, since the world&#8217;s first credit card, issued by Diners Club, credit cards have become an integral part of our lives. Some people swear to have only one credit card, whereas others are committed to having different credit cards for different purposes and needs. Nevertheless, using credit cards unwisely can potentially lead to great money losses, increasing debt, reduced credit rating, up to complete insolvency.
Credit cards exist with many different features and terms and conditions, but they have one thing in common: they will usually cost money in one ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Balanced Living Standards: Cheap, Cheaper, Cheapest?</title>
		<link>http://www.moneywise24.com/2009/12/balanced-living-standards-cheap-cheaper-cheapest/</link>
		<comments>http://www.moneywise24.com/2009/12/balanced-living-standards-cheap-cheaper-cheapest/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 18:05:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[living]]></category>
		<category><![CDATA[living standard]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=216</guid>
		<description><![CDATA[I stumbled upon an article the other day, unfortunately I only quickly browsed the site and completely failed to write down the URL. Nevertheless, the article was an interesting one; it described how a woman from Latin America paid back her 25,000 USD loan within a couple of years, by taking on two jobs, letting her children live with her parents, and moving into a 100 USD per month apartment.
Although when I read the article, I felt great empathy and respect for the woman paying off a huge debt within ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Debt Consolidation Company Warning Signals</title>
		<link>http://www.moneywise24.com/2009/12/debt-consolidation-company-warning-signals/</link>
		<comments>http://www.moneywise24.com/2009/12/debt-consolidation-company-warning-signals/#comments</comments>
		<pubDate>Fri, 04 Dec 2009 10:12:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[advance payments]]></category>
		<category><![CDATA[advertisements]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[financial control]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=208</guid>
		<description><![CDATA[At present, countless individuals are feeling the stress of handling their overwhelming debt burden. Consequently, they are resorting to debt consolidation companies to help them deal with their debts and regain financial control. Unluckily, many of them ask for exorbitant fees and give assurances that they are not able to fulfill. Prior to making a commitment to a debt consolidation company, you have to do some homework and think about your options. It can ultimately help you save a considerable amount of money.
 Warning Signals Regarding Debt Consolidation Services
 There are particular ...]]></description>
		<wfw:commentRss>http://www.moneywise24.com/2009/12/debt-consolidation-company-warning-signals/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving Your Date&#8230; and Your Money</title>
		<link>http://www.moneywise24.com/2009/11/saving-your-date/</link>
		<comments>http://www.moneywise24.com/2009/11/saving-your-date/#comments</comments>
		<pubDate>Fri, 27 Nov 2009 16:49:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[boy-friend]]></category>
		<category><![CDATA[date]]></category>
		<category><![CDATA[dating]]></category>
		<category><![CDATA[falling in love]]></category>
		<category><![CDATA[first date]]></category>
		<category><![CDATA[girl-friend]]></category>
		<category><![CDATA[going out]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=199</guid>
		<description><![CDATA[Quite a while ago I had a discussion with a some good friends of mine. We were discussing how and where to go on a first or second date, and it soon appeared that our opinions were quite diverse. We had spent the entire night discussing the topic, and finally came up with a number of conclusions. I have to admit, this article addresses mainly men, but still&#8230; Read the following tips carefully, it might save you a lot of money, as well as your date.
Keep it simple
&#8220;So what&#8217;s your ...]]></description>
		<wfw:commentRss>http://www.moneywise24.com/2009/11/saving-your-date/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>In the News: Credit Card Data Theft in Spain, and How to Deal With It</title>
		<link>http://www.moneywise24.com/2009/11/in-the-news-credit-card-data-theft-in-spain-and-how-to-deal-with-it/</link>
		<comments>http://www.moneywise24.com/2009/11/in-the-news-credit-card-data-theft-in-spain-and-how-to-deal-with-it/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 09:46:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[acquirer]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[identity]]></category>
		<category><![CDATA[issuer]]></category>
		<category><![CDATA[merchant]]></category>
		<category><![CDATA[signature]]></category>
		<category><![CDATA[skimming]]></category>
		<category><![CDATA[terminal]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=69</guid>
		<description><![CDATA[As I was watching the news this morning, I saw a report about a large number of credit cards, of which the data had been stolen in spain, and how this impacted many cardholer, who had made purchases in Spain. Being a specialist within the industry myself, I could not resist to write an further article on credit card data theft, and how you can deal with it as a credit card holder. This article is based on Visa and MasterCard issued credit cards only.
Each credit card transaction follows a strict procedure and ...]]></description>
		<wfw:commentRss>http://www.moneywise24.com/2009/11/in-the-news-credit-card-data-theft-in-spain-and-how-to-deal-with-it/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Reduce Your Debt in 5 Steps</title>
		<link>http://www.moneywise24.com/2009/11/how-to-reduce-your-debt-in-5-steps/</link>
		<comments>http://www.moneywise24.com/2009/11/how-to-reduce-your-debt-in-5-steps/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 23:16:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[consultant]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=67</guid>
		<description><![CDATA[Being in debt has become quite normal in today's world: people buy real estate and take a mortgage, a loan is taken in order to buy a car, a television or the newest Playstation is quickly bought with the credit card, and this month's phone bill seemed to bit slightly higher than usual. Actually, debt does not have to be all that bad... if it planned and under control.]]></description>
		<wfw:commentRss>http://www.moneywise24.com/2009/11/how-to-reduce-your-debt-in-5-steps/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Easy Ways to Save Money on Airline Tickets</title>
		<link>http://www.moneywise24.com/2009/11/3-easy-ways-to-save-money-on-airline-tickets/</link>
		<comments>http://www.moneywise24.com/2009/11/3-easy-ways-to-save-money-on-airline-tickets/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 10:14:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[airline]]></category>
		<category><![CDATA[bookings]]></category>
		<category><![CDATA[flight]]></category>
		<category><![CDATA[last-minute]]></category>
		<category><![CDATA[low cost carrier]]></category>
		<category><![CDATA[ticket]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=60</guid>
		<description><![CDATA[Being in the airline business is not easy: airlines are litterally fighting over their customers. For consumers, the biggest challenge is to find an airline, which offers as cheap as possible flights, yet offering a certain level of service.]]></description>
		<wfw:commentRss>http://www.moneywise24.com/2009/11/3-easy-ways-to-save-money-on-airline-tickets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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