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				<title><![CDATA[Money-Tips - Articles - Budgeting]]></title>
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					  <title><![CDATA[Being Frugal and Saving Money]]></title>
					  <link>http://www.money-tips.com.au/articles/186/1/Being-Frugal-and-Saving-Money/Page1.html</link>
					  <description><![CDATA[We've been brought up in a consumer world, buying our flat screen televisions, luxurious cars and beautiful homes and receiving letters in the mail informing us have we forgotten about the bank. I have read many personal finance blogs, most discussing about being frugal and saving money, but is this the option?]]></description>
					  <author>no@spam.com (Andrew Knight)</author>
					  <pubDate>Mon, 03 Nov 2008 15:35:45 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/186/1/Being-Frugal-and-Saving-Money/Page1.html</guid>
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					  <title><![CDATA[What Will You Splurge On?]]></title>
					  <link>http://www.money-tips.com.au/articles/179/1/What-Will-You-Splurge-On/Page1.html</link>
					  <description><![CDATA[Money splurges, big or small, can be guilt-ridden affairs, especially when they happen impulsively, or fall outside "the spending plan". But nearly everybody splurges from time to time. Here are some tips on how you can indulge guilt free while building and maintaining your wealth.]]></description>
					  <author>no@spam.com (Tracy Piercy)</author>
					  <pubDate>Tue, 30 Sep 2008 11:12:55 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/179/1/What-Will-You-Splurge-On/Page1.html</guid>
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					  <title><![CDATA[Five Tips For Shopping on a Budget]]></title>
					  <link>http://www.money-tips.com.au/articles/176/1/Five-Tips-For-Shopping-on-a-Budget/Page1.html</link>
					  <description><![CDATA[Sticking to a budget is hard enough, but malls, outlets and grocery stores don't make it any easier; with countless promotions, sales, and strategically-placed impulse-buy items, it's easy to get sidetracked and overspend. ]]></description>
					  <author>no@spam.com (Ki Gray)</author>
					  <pubDate>Tue, 30 Sep 2008 09:58:35 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/176/1/Five-Tips-For-Shopping-on-a-Budget/Page1.html</guid>
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					  <title><![CDATA[Teaching Kids About Budgeting]]></title>
					  <link>http://www.money-tips.com.au/articles/170/1/Teaching-Kids-About-Budgeting/Page1.html</link>
					  <description><![CDATA[If you have kids, you've probably already figured out that teaching them how to handle money is one of the most important skills you'll ever teach them. As a parent, there are two critical areas for you to take action to help your kids the most when it comes to money and budgeting. <br/>]]></description>
					  <author>no@spam.com (Brad Homer)</author>
					  <pubDate>Sun, 31 Aug 2008 06:05:54 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/170/1/Teaching-Kids-About-Budgeting/Page1.html</guid>
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					  <title><![CDATA[Nine Easy Ways to Find Cheap and Free Baby Stuff]]></title>
					  <link>http://www.money-tips.com.au/articles/164/1/Nine-Easy-Ways-to-Find-Cheap-and-Free-Baby-Stuff/Page1.html</link>
					  <description><![CDATA[Raising a baby can be expensive, but, with a little online savvy and some help from your friends, you can save bundles and even find some free baby stuff. Here's how to save money on baby and find the best baby freebies on the web. <br/><br/>]]></description>
					  <author>no@spam.com (Susie Cortright)</author>
					  <pubDate>Wed, 30 Jul 2008 09:17:53 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/164/1/Nine-Easy-Ways-to-Find-Cheap-and-Free-Baby-Stuff/Page1.html</guid>
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					  <title><![CDATA[Budget Q &amp; A - Answers to Your Questions About Making a Budget]]></title>
					  <link>http://www.money-tips.com.au/articles/155/1/Budget-Q-amp-A---Answers-to-Your-Questions-About-Making-a-Budget/Page1.html</link>
					  <description><![CDATA[Making a budget and sticking to it is one of the most important financial decisions you can make. It's not that hard, and the benefits are tremendous. If you have not yet begun, now is the time to get started. Here are some of your common budgeting questions answered.]]></description>
					  <author>no@spam.com (Julie Zorgo)</author>
					  <pubDate>Mon, 30 Jun 2008 21:54:36 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/155/1/Budget-Q-amp-A---Answers-to-Your-Questions-About-Making-a-Budget/Page1.html</guid>
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					  <title><![CDATA[Developing a Budget? Watch Out for Those Budget-Bursting Gremlins]]></title>
					  <link>http://www.money-tips.com.au/articles/154/1/Developing-a-Budget-Watch-Out-for-Those-Budget-Bursting-Gremlins/Page1.html</link>
					  <description><![CDATA[Having a household budget is the best way by far to manage your finances so you can relax and worry about other things. But beware, there are budgeting "gremlins" just laying in wait. This article identifies those gremlins so you'll be forewarned and not let them bust your budget ...]]></description>
					  <author>no@spam.com (Douglas Hanna)</author>
					  <pubDate>Mon, 30 Jun 2008 21:49:23 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/154/1/Developing-a-Budget-Watch-Out-for-Those-Budget-Bursting-Gremlins/Page1.html</guid>
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					  <title><![CDATA[Money Saving Ideas]]></title>
					  <link>http://www.money-tips.com.au/articles/153/1/Money-Saving-Ideas/Page1.html</link>
					  <description><![CDATA[With&nbsp;fuel, interest rates&nbsp;and food prices on the rise, its time to start saving money any way you can. <br/><br/>]]></description>
					  <author>no@spam.com (Danny Dietrick)</author>
					  <pubDate>Mon, 30 Jun 2008 21:40:16 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/153/1/Money-Saving-Ideas/Page1.html</guid>
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					  <title><![CDATA[Create a Personal Budget in 7 Easy Steps]]></title>
					  <link>http://www.money-tips.com.au/articles/143/1/Create-a-Personal-Budget-in-7-Easy-Steps/Page1.html</link>
					  <description><![CDATA[If your financial situation is out of control it may be time to create a personal budget. This could be the decision that gets your finances back on track because it takes back control of what your money is doing. You want your money to work for you not your creditors, which is exactly what it is doing if you are living payday to payday. Instead of paying interest to them why not make it yourself? <br/><br/>]]></description>
					  <author>no@spam.com (Brandy Serena)</author>
					  <pubDate>Sun, 25 May 2008 07:56:08 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/143/1/Create-a-Personal-Budget-in-7-Easy-Steps/Page1.html</guid>
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					  <title><![CDATA[Credit and Today&#039;s Children]]></title>
					  <link>http://www.money-tips.com.au/articles/139/1/Credit-and-Today039s-Children/Page1.html</link>
					  <description><![CDATA[As parents, we must teach our children many things. They count on us to guide them and teach them responsibilities, which will remain with them throughout their lives. One of the most important things we can teach them is how to spend appropriately. It's never too early to start. <br/><br/>]]></description>
					  <author>no@spam.com (Tom Bates)</author>
					  <pubDate>Sun, 25 May 2008 07:32:06 EST</pubDate>
					 <guid isPermaLink="true">http://www.money-tips.com.au/articles/139/1/Credit-and-Today039s-Children/Page1.html</guid>
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