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	<title>Comments for Personal Finance: Financial News, Money Tools and Discussion</title>
	
	<link>http://breadfromscratch.com</link>
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	<lastBuildDate>Wed, 25 Jan 2012 12:23:00 +0000</lastBuildDate>
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		<title>Comment on Grocery budgeting by Valentina Allison</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/BUZmLVCgKRI/</link>
		<dc:creator>Valentina Allison</dc:creator>
		<pubDate>Wed, 25 Jan 2012 12:23:00 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=358#comment-1501</guid>
		<description>Hi,

Just wanted to drop you a note expressing my appreciation for your site "breadfromscratch.com" As a blogger and a freelance writer myself, I am always exited to make a long term partnerships. I tried to call you since no response.

Although, I mostly write for personal finance blogs. I would love to contribute an article for blogs that interest me a lot. It's a great way to expand one's portfolio, network with other bloggers and exploring new things.

I believe this will be of interest to your readers. The article will be 100% original, written with care just for your site and will not be posted elsewhere, however I would appreciate a live link back to our site. If you’re interested in this idea, please get back to me.

If you want me to write on any specific topic then let me know please..

Thank you so much for your time and consideration.
</description>
		<content:encoded><![CDATA[<p>Hi,</p>
<p>Just wanted to drop you a note expressing my appreciation for your site &#8220;breadfromscratch.com&#8221; As a blogger and a freelance writer myself, I am always exited to make a long term partnerships. I tried to call you since no response.</p>
<p>Although, I mostly write for personal finance blogs. I would love to contribute an article for blogs that interest me a lot. It&#8217;s a great way to expand one&#8217;s portfolio, network with other bloggers and exploring new things.</p>
<p>I believe this will be of interest to your readers. The article will be 100% original, written with care just for your site and will not be posted elsewhere, however I would appreciate a live link back to our site. If you’re interested in this idea, please get back to me.</p>
<p>If you want me to write on any specific topic then let me know please..</p>
<p>Thank you so much for your time and consideration.</p>

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	<feedburner:origLink>http://breadfromscratch.com/uncategorized/grocery-budgeting/comment-page-1/#comment-1501</feedburner:origLink></item>
	<item>
		<title>Comment on How To Pay Off Your Credit Card Debt by The Secret To Spending Wisely | Personal Finance: Financial News, Money Tools and Discussion</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/u1pIzlDcrtw/</link>
		<dc:creator>The Secret To Spending Wisely | Personal Finance: Financial News, Money Tools and Discussion</dc:creator>
		<pubDate>Thu, 27 Oct 2011 11:13:04 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=315#comment-1272</guid>
		<description>[...] a different approach to writing about my experiences with finance recently.  With my recent posts how to payoff your credit card debt and how to save money on food I wrote down what I consider to be the bare bones framework that I [...]</description>
		<content:encoded><![CDATA[<p>[...] a different approach to writing about my experiences with finance recently.  With my recent posts how to payoff your credit card debt and how to save money on food I wrote down what I consider to be the bare bones framework that I [...]</p>

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	<feedburner:origLink>http://breadfromscratch.com/credit-cards/how-to-pay-off-your-credit-card-debt/comment-page-1/#comment-1272</feedburner:origLink></item>
	<item>
		<title>Comment on Personal Finance Tools by Kris10denz</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/I1pGptKqmKc/</link>
		<dc:creator>Kris10denz</dc:creator>
		<pubDate>Thu, 01 Sep 2011 12:38:00 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?page_id=5#comment-1226</guid>
		<description>can you make a Credit Card Repayment Calculator for student loans as well?</description>
		<content:encoded><![CDATA[<p>can you make a Credit Card Repayment Calculator for student loans as well?</p>

<p><a href="http://feedads.g.doubleclick.net/~a/40sMvSOcF9_97D1_wWJRTZqPxYE/0/da"><img src="http://feedads.g.doubleclick.net/~a/40sMvSOcF9_97D1_wWJRTZqPxYE/0/di" border="0" ismap="true"></img></a><br/>
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	<feedburner:origLink>http://breadfromscratch.com/personal-finance-tools/comment-page-1/#comment-1226</feedburner:origLink></item>
	<item>
		<title>Comment on ING Electric Orange No Overdraft by Paul Butkiewicz</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/y3ksZfFcanM/</link>
		<dc:creator>Paul Butkiewicz</dc:creator>
		<pubDate>Mon, 15 Aug 2011 15:43:00 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=176#comment-1222</guid>
		<description>ING may not charge you an overdraft fee, but they will charge you daily interest (without a grace period) which will post to your account at the end of the month.  As of May 2011, the annual rate was ~11.25%, which is still comparably cheaper than holding a balance on a credit card or paying a typical $20 checking account overdraft fee.  However, because there's no grace period, don't be fooled into thinking it's a great alternative to a credit cards which typically don't charge you interest for the first 20-30 days after a purchase (check your grace period in your card member agreement).

Regardless, ING's overdraft feature is an excellent safety net for those of us that don't like balancing a checkbook.  And now that they offer paper checks, it's become a realistic replacement option for the checking account you opened at the bank down the street.</description>
		<content:encoded><![CDATA[<p>ING may not charge you an overdraft fee, but they will charge you daily interest (without a grace period) which will post to your account at the end of the month.  As of May 2011, the annual rate was ~11.25%, which is still comparably cheaper than holding a balance on a credit card or paying a typical $20 checking account overdraft fee.  However, because there&#8217;s no grace period, don&#8217;t be fooled into thinking it&#8217;s a great alternative to a credit cards which typically don&#8217;t charge you interest for the first 20-30 days after a purchase (check your grace period in your card member agreement).</p>
<p>Regardless, ING&#8217;s overdraft feature is an excellent safety net for those of us that don&#8217;t like balancing a checkbook.  And now that they offer paper checks, it&#8217;s become a realistic replacement option for the checking account you opened at the bank down the street.</p>

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	<feedburner:origLink>http://breadfromscratch.com/banking/ing-electric-orange-no-overdraft/comment-page-1/#comment-1222</feedburner:origLink></item>
	<item>
		<title>Comment on How To Pay Off Your Credit Card Debt by Stop Using Your Credit Card | Personal Finance: Financial News, Money Tools and Discussion</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/XP1JDtTk3xk/</link>
		<dc:creator>Stop Using Your Credit Card | Personal Finance: Financial News, Money Tools and Discussion</dc:creator>
		<pubDate>Thu, 16 Jun 2011 11:23:04 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=315#comment-1189</guid>
		<description>[...] first step to getting out of credit card debt: stop using your [...]</description>
		<content:encoded><![CDATA[<p>[...] first step to getting out of credit card debt: stop using your [...]</p>

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	<item>
		<title>Comment on Retirement Calculator Post-Retirement Income Assumptions by Dionne Daniel</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/v1LSQWMPMB4/</link>
		<dc:creator>Dionne Daniel</dc:creator>
		<pubDate>Wed, 15 Jun 2011 17:03:00 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=223#comment-1188</guid>
		<description>How about mortgages and retirement loans? Is it advisable to include them in Post-Retirement calculations, as options in case the need arises (like those not-so-predictable/totally unpredictable expenses for like, accidents and emergency repairs for example)?</description>
		<content:encoded><![CDATA[<p>How about mortgages and retirement loans? Is it advisable to include them in Post-Retirement calculations, as options in case the need arises (like those not-so-predictable/totally unpredictable expenses for like, accidents and emergency repairs for example)?</p>

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	<item>
		<title>Comment on Retirement Calculator Post-Retirement Income Assumptions by Guest</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/rudUxxtKe6g/</link>
		<dc:creator>Guest</dc:creator>
		<pubDate>Wed, 15 Jun 2011 15:20:00 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=223#comment-1187</guid>
		<description>cool table!</description>
		<content:encoded><![CDATA[<p>cool table!</p>

<p><a href="http://feedads.g.doubleclick.net/~a/RwaiIxt24AldgYmia9NfWqA_HPE/0/da"><img src="http://feedads.g.doubleclick.net/~a/RwaiIxt24AldgYmia9NfWqA_HPE/0/di" border="0" ismap="true"></img></a><br/>
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	<item>
		<title>Comment on How To Save Money On Food Step 1: Track Your Spending by How To Save Money On Food Step 2: Examine What You Buy | Personal Finance: Financial News, Money Tools and Discussion</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/S2zL42v1ou4/</link>
		<dc:creator>How To Save Money On Food Step 2: Examine What You Buy | Personal Finance: Financial News, Money Tools and Discussion</dc:creator>
		<pubDate>Tue, 14 Jun 2011 10:47:12 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=318#comment-1186</guid>
		<description>[...] In order to get some quick wins, I suggest listing what you consider the top ten items you buy on a recurring basis.  You might cross-reference this with the list you made up in Step 1 of how to save money on food. [...]</description>
		<content:encoded><![CDATA[<p>[...] In order to get some quick wins, I suggest listing what you consider the top ten items you buy on a recurring basis.  You might cross-reference this with the list you made up in Step 1 of how to save money on food. [...]</p>

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	<item>
		<title>Comment on How To Save Money On Food Step 1: Track Your Spending by The Secret To Spending Wisely | Personal Finance: Financial News, Money Tools and Discussion</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/JFA7jLBgIEg/</link>
		<dc:creator>The Secret To Spending Wisely | Personal Finance: Financial News, Money Tools and Discussion</dc:creator>
		<pubDate>Mon, 13 Jun 2011 11:03:10 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=318#comment-1185</guid>
		<description>[...]   Skip to content Personal Finance ToolsAboutPersonal Finance DirectoryCredit Cards                 « How To Save Money On Food Step 1: Track Your Spending   The Secret To Spending Wisely By john | Published: June 13, 2011   var addthis_product = [...]</description>
		<content:encoded><![CDATA[<p>[...]   Skip to content Personal Finance ToolsAboutPersonal Finance DirectoryCredit Cards                 &laquo; How To Save Money On Food Step 1: Track Your Spending   The Secret To Spending Wisely By john | Published: June 13, 2011   var addthis_product = [...]</p>

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		<title>Comment on Credit Card Calculator: debt-snowball versus highest-interest. by Walking Is Free | Personal Finance: Financial News, Money Tools and Discussion</title>
		<link>http://feedproxy.google.com/~r/CommentsForBreadFromScratch/~3/2tkh_pO0rCU/</link>
		<dc:creator>Walking Is Free | Personal Finance: Financial News, Money Tools and Discussion</dc:creator>
		<pubDate>Fri, 10 Jun 2011 10:54:31 +0000</pubDate>
		<guid isPermaLink="false">http://breadfromscratch.com/?p=9#comment-1184</guid>
		<description>[...] to think about my finances.  For example, it was on a walk in which I conceived the idea for the credit card calculator and the other personal finance [...]</description>
		<content:encoded><![CDATA[<p>[...] to think about my finances.  For example, it was on a walk in which I conceived the idea for the credit card calculator and the other personal finance [...]</p>

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