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	<title>Moneywise24 Personal Finance &#187; savings</title>
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	<description>Managing your Personal Finances Wisely</description>
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		<title>The Top Reaon Why You Should Pay Yourself First</title>
		<link>http://www.moneywise24.com/2011/06/the-top-reaon-why-you-should-pay-yourself-first/</link>
		<comments>http://www.moneywise24.com/2011/06/the-top-reaon-why-you-should-pay-yourself-first/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 07:51:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[paying your bills]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=942</guid>
		<description><![CDATA[Sometimes I am wondering, what I do all this for. I mean, all the work, financial planning, breaking my head over my retirement planning. Often, a typical month would look like this: I work the hard, the entire month, I pay taxes on my salary, and receive about half of my salary on my bank [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Retirement Planning &#8211; What Can We Rely On In Future Anyway?</title>
		<link>http://www.moneywise24.com/2011/06/retirement-planning-what-can-we-rely-on-in-future-anyway/</link>
		<comments>http://www.moneywise24.com/2011/06/retirement-planning-what-can-we-rely-on-in-future-anyway/#comments</comments>
		<pubDate>Tue, 21 Jun 2011 16:16:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[retirement funds]]></category>
		<category><![CDATA[retirement planning]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=938</guid>
		<description><![CDATA[Retirement planning seems to be a pretty hot topic, it is everywhere and people are discussing it intensely; in magazines, on blogs, and over a drink with friends. I agree, I want to maintain my living standard when I grow old myself, maintaining a]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<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>
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		<slash:comments>0</slash:comments>
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		<title>Should You Go for Price or Quality?</title>
		<link>http://www.moneywise24.com/2009/11/should-you-go-for-price-or-quality/</link>
		<comments>http://www.moneywise24.com/2009/11/should-you-go-for-price-or-quality/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 20:05:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[companies]]></category>
		<category><![CDATA[discount]]></category>
		<category><![CDATA[electronics]]></category>
		<category><![CDATA[fashion]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[price]]></category>
		<category><![CDATA[quality]]></category>
		<category><![CDATA[rebate]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[shop]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=44</guid>
		<description><![CDATA[I wanted to write this short post as a reaction to a phenomenon I saw yesterday at a discount store: hundreds of people were running around in a discount store, which sold many items at extremely low prices. People were virtually falling over each other, just in order to get the cheapest item available. I got curious, and went in.]]></description>
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		<title>Bargaining Might Pay Out</title>
		<link>http://www.moneywise24.com/2009/11/bargaining-might-pay-out/</link>
		<comments>http://www.moneywise24.com/2009/11/bargaining-might-pay-out/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 11:43:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[bargain]]></category>
		<category><![CDATA[bargaining]]></category>
		<category><![CDATA[costs]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[sales]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=26</guid>
		<description><![CDATA[I tried following the same principle, and during a month I asked many different salespeopel whether he would bargain. I did receive a lot of "no's", but also a "yes" a couple of time. Even my favourite shop, where I buy shirts, gave me a 8 Euro discount on 2 shirts, provided I would buy two and not just one. Since I buy at least 10 shirts per year, that is a discount of 45 Euros per year. It might not seem much... but as they say, small amounts also count.]]></description>
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		<title>The Benefits of an Emergency Account</title>
		<link>http://www.moneywise24.com/2009/11/the-benefits-of-an-emergency-account/</link>
		<comments>http://www.moneywise24.com/2009/11/the-benefits-of-an-emergency-account/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 11:42:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[back-up]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[crash]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[emergencies]]></category>
		<category><![CDATA[emergency account]]></category>
		<category><![CDATA[forecast]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=24</guid>
		<description><![CDATA[I was thinking a few things over last night, amont others how my financial situation would look if everything crashed: stocks plummet and I would lose my job due to a financial crisis. In my case, this wouldn't look good at all.]]></description>
		<wfw:commentRss>http://www.moneywise24.com/2009/11/the-benefits-of-an-emergency-account/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Future Value of your Money</title>
		<link>http://www.moneywise24.com/2009/11/the-future-value-of-your-money/</link>
		<comments>http://www.moneywise24.com/2009/11/the-future-value-of-your-money/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 11:35:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[future]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=17</guid>
		<description><![CDATA[As soon as you spend money, it is gone and you will never get it back. Surely you will earn some more money, but it is not the same money. You have lost the money, unavailable for investing it, unavailable for paying back debt. Looking at things differently, you may actually have spent much more on your purchase.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>How to go Clubbing and Save Money</title>
		<link>http://www.moneywise24.com/2009/11/how-to-go-clubbing-and-save-money/</link>
		<comments>http://www.moneywise24.com/2009/11/how-to-go-clubbing-and-save-money/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 11:33:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[activities]]></category>
		<category><![CDATA[bars]]></category>
		<category><![CDATA[clubbing]]></category>
		<category><![CDATA[clubs]]></category>
		<category><![CDATA[discotheque]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[friends]]></category>
		<category><![CDATA[going out]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[social]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=15</guid>
		<description><![CDATA[Surely you know the process: you arrive at a club with your friends, pay high entrance fees, and at the end of the night you spent another 100 Dollars and you try to compensate for the high costs during the rest of the week. However, clubbing does not need to be all that expensive.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>10 Smart Ways to Save Money on Fuel</title>
		<link>http://www.moneywise24.com/2009/11/10-smart-ways-to-save-money-on-fuel/</link>
		<comments>http://www.moneywise24.com/2009/11/10-smart-ways-to-save-money-on-fuel/#comments</comments>
		<pubDate>Sun, 15 Nov 2009 11:29:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Expenses]]></category>
		<category><![CDATA[acceleration]]></category>
		<category><![CDATA[Automotive]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[check-ups]]></category>
		<category><![CDATA[driving]]></category>
		<category><![CDATA[engine]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[fuel]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[vehicle]]></category>
		<category><![CDATA[weight]]></category>

		<guid isPermaLink="false">http://www.moneywise24.com/?p=11</guid>
		<description><![CDATA[Owning a car can be quite expensive. Fuel is one of the highest cost factors, especially for people who need their vehicle on a regular basis. However, the cost of fuel is controllable up to a certain extent. With 10 easy-to-implement tricks, you]]></description>
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