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        <title>elements Podcast</title>
        <description>The elements podcast is about  money. How to make it, spend it, borrow it, save it, and keep it safe. In each podcast we'll talk about real world issues affecting young people and money. </description>
        <link>http://www.elementspodcast.com/</link>
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        <itunes:subtitle>The elements podcast is about money. How to make it, spend it, borrow it, save it, and keep it safe. In each podcast we'll talk about real world issues affecting young people and money. </itunes:subtitle>
        <itunes:summary>The elements podcast is about money. How to make it, spend it, borrow it, save it, and keep it safe. In each podcast we'll talk about real world issues affecting young people and money. </itunes:summary>
        <itunes:category text="Business">
            <itunes:category text="Investing"/>
        </itunes:category>
        <itunes:keywords>Money, credit union, personal finance, saving, credit, loans, scholarship</itunes:keywords>
        <itunes:author>A Credit Union Friend</itunes:author>
        
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				<itunes:owner><itunes:email>feedback@elementsofmoney.com</itunes:email></itunes:owner><item>
           <title>Should I Open a Checking Account?</title>
            <description>If you're still putting money in a piggy bank, it might be time for a checking account... here's everything you need to know.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>FRI, 28 October 2016 08:00:00</pubDate>
            <itunes:subtitle>Should I Open a Checking Account?</itunes:subtitle>
            <itunes:summary>If you're still putting money in a piggy bank, it might be time for a checking account... here's everything you need to know.</itunes:summary>
            <itunes:duration>4:02</itunes:duration>
            <itunes:keywords>podcast, money, teen, youth, credit union</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
				<item>
           <title>Don't Let FOMO Fool You</title>
            <description>Don't let FOMO (Fear Of Missing Out) pressure you into spending tons of money on your fun. Check out our ways to cope (and save)!</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>MON, 03 October 2016 08:00:00</pubDate>
            <itunes:subtitle>Don't Let FOMO Fool You</itunes:subtitle>
            <itunes:summary>Don't let FOMO (Fear Of Missing Out) pressure you into spending tons of money on your fun. Check out our ways to cope (and save)!</itunes:summary>
            <itunes:duration>4:08</itunes:duration>
            <itunes:keywords>money, FOMO, friends, social media, snapchat, instagram, peer pressure</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
				<item>
           <title>Protect your phone, protect yourself</title>
            <description>Your whole world is on your phone… but is it safe?</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>MON, 29 August 2016 08:00:00</pubDate>
            <itunes:subtitle>Protect your phone, protect yourself</itunes:subtitle>
            <itunes:summary>Your whole world is on your phone… but is it safe?</itunes:summary>
            <itunes:duration>4:43</itunes:duration>
            <itunes:keywords>smartphone, security, money</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
				<item>
           <title>Ways to Save ... Now! </title>
            <description>Today's episode is about living (and saving) in the moment. We have practical money tips that you can start doing today to put a few extra dollars in your wallet.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>SUN, 31 JULY 2016 08:00:00</pubDate>
            <itunes:subtitle>Ways to Save ... Now! </itunes:subtitle>
            <itunes:summary>Today's episode is about living (and saving) in the moment. We have practical money tips that you can start doing today to put a few extra dollars in your wallet.  </itunes:summary>
            <itunes:duration>4:30</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion, saving</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
		
			<item>
           <title>Today and Tomorrow Spending. </title>
            <description>In this episode, we discuss the two accounts designed for today and tomorrow ... checking and savings accounts.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>THUR, 30 JUNE 2016 08:00:00</pubDate>
            <itunes:subtitle>Today and Tomorrow Spending.</itunes:subtitle>
            <itunes:summary>In this episode, we discuss the two accounts designed for today and tomorrow ... checking and savings accounts.  </itunes:summary>
            <itunes:duration>4:30</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion, saving</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
		
		<item>
           <title>Elements Podcast Takeover. </title>
            <description>We turn today's episode over to you... our listeners. Hear common money problems young people have, and how to avoid them.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>TUES, 31 MAY 2016 08:00:00</pubDate>
            <itunes:subtitle>Elements Podcast Takeover.</itunes:subtitle>
            <itunes:summary>We turn today's episode over to you... our listeners. Hear common money problems young people have, and how to avoid them.  </itunes:summary>
            <itunes:duration>4:30</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion, saving</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
		
		<item>
           <title>Tweet for College wrap-up. </title>
            <description>How can credit unions awaken your financial destiny? We asked teens across the country to tell us in our annual Tweet for College scholarship. In today's episode, we share our favorite Stars Wars inspired tweets.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>THU, 28 APR 2016 08:00:00</pubDate>
            <itunes:subtitle>Tweet for College wrap-up.</itunes:subtitle>
            <itunes:summary>How can credit unions awaken your financial destiny? We asked teens across the country to tell us in our annual Tweet for College scholarship. In today's episode, we share our favorite Stars Wars inspired tweets.  </itunes:summary>
            <itunes:duration>5:09</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion, saving</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
		
						<item>
           <title>Bust your budget? Try a spending plan.</title>
            <description>Want a different approach to reaching your financial goals? Try a spending plan. With a spending plan, it’s not about what you can’t buy, but what you can.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Tue, 29 MAR 2016 08:00:00</pubDate>
            <itunes:subtitle>Bust your budget? Try a spending plan.</itunes:subtitle>
            <itunes:summary>Want a different approach to reaching your financial goals? Try a spending plan. With a spending plan, it’s not about what you can’t buy, but what you can.  </itunes:summary>
            <itunes:duration>3:37</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion, saving</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
		
			<item>
           <title>Be Cool: Why Emotions and Money Don’t Mix</title>
            <description>In this episode, we take a look at the connection between your emotions and how you spend money. If you’re not aware of how you feel, you might make big money mistakes. We’ll help you get it all straight.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Mon, 29 Feb 2016 08:00:00</pubDate>
            <itunes:subtitle>Be Cool: Why Emotions and Money Don’t Mix</itunes:subtitle>
            <itunes:summary>In this episode, we take a look at the connection between your emotions and how you spend money. If you’re not aware of how you feel, you might make big money mistakes. We’ll help you get it all straight.  </itunes:summary>
            <itunes:duration>4:48</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion, saving</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
	
			<item>
           <title>Game On: A Better Way to Save</title>
            <description>If you think saving money is boring, we have a better to do it. Make a game out of it! Listen to this episode to learn how.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Mon, 30 Jan 2016 08:00:00</pubDate>
            <itunes:subtitle>Game On: A Better Way to Save</itunes:subtitle>
            <itunes:summary>If you think saving money is boring, we have a better to do it. Make a game out of it! Listen to this episode to learn how.  </itunes:summary>
            <itunes:duration>3:48</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion, saving</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
		
		<item>
           <title>Top Five Money Tips of 2015</title>
            <description>We've dug into the past year's podcasts to come up with our top five favorite money tips. Listen for the best ways to save, spend and protect your money.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Mon, 30 Dec 2015 08:00:00</pubDate>
            <itunes:subtitle>Top Five Money Tips of 2015</itunes:subtitle>
            <itunes:summary>We've dug into the past year's podcasts to come up with our top five favorite money tips. Listen for the best ways to save, spend and protect your money.  </itunes:summary>
            <itunes:duration>4:26</itunes:duration>
            <itunes:keywords>money, students, finances, education, creditunion</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>	
		
		<item>
           <title>Student financial aid to the rescue (AKA the FAFSA episode)</title>
            <description>If you plan to go to college but need financial aid, this episode is for you. We cover what you need to know about completing the Free Application For Student Aid (FAFSA). </description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Mon, 30 Nov 2015 08:00:00</pubDate>
            <itunes:subtitle>Student financial aid to the rescue (AKA the FAFSA episode)</itunes:subtitle>
            <itunes:summary>If you plan to go to college but need financial aid, this episode is for you. We cover what you need to know about completing the Free Application For Student Aid (FAFSA).  </itunes:summary>
            <itunes:duration>4:27</itunes:duration>
            <itunes:keywords>money, students, finances, education, tuition, FAFSA, creditunion</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>
		
		
		 <item>
           <title>Please don't steal my credit card info</title>
            <description>With credit and debit card fraud on the rise, we have easy ways to help keep your information (and money)safe and. Plus, a 10-second money tip for anyone working at their favorite store.  </description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Fri, 30 Oct 2015 08:00:00</pubDate>
            <itunes:subtitle>Please don't steal my credit card info</itunes:subtitle>
            <itunes:summary>With credit and debit card fraud on the rise, we have easy ways to help keep your information (and money)safe and. Plus, a 10-second money tip for anyone working at their favorite store.  </itunes:summary>
            <itunes:duration>4:24</itunes:duration>
            <itunes:keywords>money, students,finances</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>
		               <item>
            <title>Life skills = Money skills</title>
            <description>Being financially smart is more than just saving money. It's about understanding basic life skills and how they can help you navigate your relationship with money.  </description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Thu, 30 SEP 2015 08:00:00</pubDate>
            <itunes:subtitle>Follow Up: The key to avoiding money problem</itunes:subtitle>
            <itunes:summary>Being financially smart is more than just saving money. It also means following up on the little things that can add up to big bucks. </itunes:summary>
            <itunes:duration>4:00</itunes:duration>
            <itunes:keywords>money, students,finances</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>
					  
					   <item>
            <title>Quirky Ways to Save</title>
            <description>How far would you go to save money? In today's episode, we look at the quirky side of saving money.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Fri, 28 AUG 2015 08:00:00</pubDate>
            <itunes:subtitle>Quirky Ways to Save</itunes:subtitle>
            <itunes:summary>How far would you go to save money? In today's episode, we look at the quirky side of saving money</itunes:summary>
            <itunes:duration>4:00</itunes:duration>
            <itunes:keywords>money, students,finances</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>
	
		               <item>
            <title>Outsmarting Scammers</title>
            <description>Scams and frauds are always changing and evolving. In this episode, we'll talk about the new scams that are hitting young people, and what you can do to protect yourself... and your money!</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Thu, 30 JUL 2015 08:00:00</pubDate>
            <itunes:subtitle>Outsmarting Scammers</itunes:subtitle>
            <itunes:summary>Scams and frauds are always changing and evolving. In this episode, we'll talk about the new scams that are hitting young people, and what you can do to protect yourself... and your money!</itunes:summary>
            <itunes:duration>4:50</itunes:duration>
            <itunes:keywords>money, students, scams,finances</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>
		               <item>
            <title>Credit Unions vs. Zombies</title>
            <description>How can credit unions help you prepare for a zombie apocalypse? We asked students across the country. Hear what they had to say.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Thu, 25 JUN 2015 08:00:00</pubDate>
            <itunes:subtitle>Credit Unions vs. Zombies</itunes:subtitle>
            <itunes:summary>How can credit unions help you prepare for a zombie apocalypse? We asked students across the country. Hear what they had to say.</itunes:summary>
            <itunes:duration>4:50</itunes:duration>
            <itunes:keywords>money, students, zombies, finances</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>
	
		               <item>
            <title>Cheap vs. Saving Smart</title>
            <description>What's the difference between being cheap and having a smart saving strategy? In this episode, we talk about why sometimes going the cheap route isn't always the smartest way to save.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Fri, 23 Apr 2015 16:55:44 08:00:00</pubDate>
            <itunes:subtitle>Cheap vs. Saving Smart</itunes:subtitle>
            <itunes:summary>What's the difference between being cheap and having a smart saving strategy? In this episode, we talk about why sometimes going the cheap route isn't always the smartest way to save.</itunes:summary>
            <itunes:duration>4:10</itunes:duration>
            <itunes:keywords>money, value, students</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>
	
		               <item>
            <title>Sneaky Sales Traps</title>
            <description>In this episode, we uncover the different ways stores try to get you to spend money once you walk through their doors.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Wed, 29 Apr 2015 16:55:44 -0800</pubDate>
            <itunes:subtitle>Sneaky Sales Traps</itunes:subtitle>
            <itunes:summary>In this episode, we uncover the different ways stores try to get you to spend money once you walk through their doors.</itunes:summary>
            <itunes:duration>4:30</itunes:duration>
            <itunes:keywords>money, value, students</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>

			    <item>
            <title>Your Money is Worth More Than You Think</title>
            <description>What's the value of your hard-earned dollars? There are many ways to determine that. We cover them all in this episode.</description>
            <link>http://www.elementspodcast.com</link>
            <category>education</category>
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            <pubDate>Tue, 31 Mar 2015 16:55:44 -0800</pubDate>
            <itunes:subtitle>Your Money is Worth More Than You Think</itunes:subtitle>
            <itunes:summary>What's the value of your hard-earned dollars? There are many ways to determine that. We cover them all in this episode.</itunes:summary>
            <itunes:duration>4:00</itunes:duration>
            <itunes:keywords>money, value, students</itunes:keywords>
            <itunes:author>Elements of Money</itunes:author>
            <itunes:explicit>no</itunes:explicit>
        </item>

        <item>
            <title>Your Money is Worth More Than You Think</title>
            <description>What's the value of your hard-earned dollars? There are many ways to determine that. We cover them all in this episode.</description>
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            <itunes:subtitle>Your Money is Worth More Than You Think</itunes:subtitle>
            <itunes:summary>What's the value of your hard-earned dollars? There are many ways to determine that. We cover them all in this episode.</itunes:summary>
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            <title>Maximize Your College Money</title>
            <description>In this month's episode, we'll show you how to get the most bang for your college buck. With just a little planning and research, you can potentially save big bucks on future college expenses.</description>
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            <pubDate>Fri, 30 Jan 2015 16:25:35 -0800</pubDate>
            <itunes:subtitle>Maximize Your College Money</itunes:subtitle>
            <itunes:summary>In this month's episode, we'll show you how to get the most bang for your college buck. With just a little planning and research, you can potentially save big bucks on future college expenses.</itunes:summary>
            <itunes:duration>4:09</itunes:duration>
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            <title>The Best Money Tips of 2014</title>
            <description>It's the end-of-year list of our favorite money tips from the past 12 months. Join Allison as she recaps her favorite episodes from 2014.</description>
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            <itunes:subtitle>The Best Money Tips of 2014</itunes:subtitle>
            <itunes:summary>It's the end-of-year list of our favorite money tips from the past 12 months. Join Allison as she recaps her favorite episodes from 2014.</itunes:summary>
            <itunes:duration>3:30</itunes:duration>
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        <item>
            <title>How to Avoid Financial Peer Pressure</title>
            <description>Does it sometimes feel like you're the only one in your group of friends who never has money? You're not alone. Many people feel the same way. In this episode, Allison talks about how you can handle peer pressure to spend money your don't have, or simply don't want to spend.</description>
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            <itunes:subtitle>How to Avoid Financial Peer Pressure</itunes:subtitle>
            <itunes:summary>Does it sometimes feel like you're the only one in your group of friends who never has money? You're not alone. Many people feel the same way. In this episode, Allison talks about how you can handle peer pressure to spend money your don't have, or simply don't want to spend.</itunes:summary>
            <itunes:duration>3:30</itunes:duration>
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        <item>
            <title>Paying for the Best of Everything</title>
            <description>Learn how you can save money when it comes to buying the biggest and best things in life.</description>
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            <itunes:subtitle>The Best of Everything</itunes:subtitle>
            <itunes:summary>Paying for your first car is just the beginning. In this episode, we explore how much it really costs to keep your car moving.  </itunes:summary>
            <itunes:duration>3:30</itunes:duration>
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        <item>
            <title>Adding Up Car Expenses</title>
            <description>Paying for your first car is just the beginning. In this episode, we explore how much it really costs to keep your car moving.  </description>
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            <itunes:subtitle>Adding Up Car Expenses</itunes:subtitle>
            <itunes:summary>Paying for your first car is just the beginning. In this episode, we explore how much it really costs to keep your car moving.  </itunes:summary>
            <itunes:duration>4:30</itunes:duration>
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            <title>Tips to Control Impulse Shopping</title>
            <description>Looking for a way to stop impulse purchases? In this episode, Allison provides tips to help you walk away from impulse buys. </description>
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            <pubDate>Thu, 28 Aug 2014 18:01:54 -0700</pubDate>
            <itunes:subtitle>Making Credit History</itunes:subtitle>
            <itunes:summary>Looking for a way to stop impulse purchases? In this episode, Allison provides tips to help you walk away from impulse buys. </itunes:summary>
            <itunes:duration>4:00</itunes:duration>
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            <title>Making Credit History</title>
            <description>A positive credit history can open up financial doors. In this episode, we explore three tips to help young consumers start building their credit history the right way.</description>
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            <itunes:subtitle>Making Credit History</itunes:subtitle>
            <itunes:summary>A positive credit history can open up financial doors. In this episode, we explore three tips to help young consumers start building their credit history the right way.</itunes:summary>
            <itunes:duration>4:00</itunes:duration>
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            <title>How Credit Unions are Like Superheroes</title>
            <description>We asked students across the country, how are credit unions like superheroes? We received more than 150 responses via Twitter. Allison shares a few of our favorites in this episode.</description>
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            <itunes:summary>We asked students across the country, how are credit unions like superheroes? We received more than 150 responses via Twitter. Allison shares a few of our favorites in this episode.</itunes:summary>
            <itunes:duration>5:15</itunes:duration>
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            <title>Celebrity Money Meltdowns</title>
            <description>Anyone can have money problems, even millionaire celebrities. In this episode, we share stories about some of the world's biggest celebrities who made and lost millions.</description>
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            <itunes:summary>Anyone can have money problems, even millionaire celebrities. In this episode, we share stories about some of the world's biggest celebrites who made and lost millions.</itunes:summary>
            <itunes:duration>4:10</itunes:duration>
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            <title>When celebrities attack your wallet</title>
            <description>From Justin Bieber to Lil Wayne, celebrities are getting into financial product endorsements. But is a celebrity-endorsed debit card a good idea? Find out in this episode.</description>
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            <itunes:subtitle>When celebrities attack your wallet</itunes:subtitle>
            <itunes:summary>From Justin Bieber to Lil Wayne, celebrities are getting into financial product endorsements. But is a celebrity-endorsed debit card a good idea? Find out in this episode.</itunes:summary>
            <itunes:duration>4:10</itunes:duration>
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        <item>
            <title>The money-side of starting a business</title>
            <description>Ready to launch a business? Money's definitely going to play a part. Here's the info young people need to know when getting a new company off the ground.</description>
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            <itunes:subtitle>The money-side of starting a business</itunes:subtitle>
            <itunes:summary>Ready to launch a business? Money's definitely going to play a part. Here's the info young people need to know when getting a new company off the ground.</itunes:summary>
            <itunes:duration>3:55</itunes:duration>
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        <item>
            <title>Taxes. Ugh.</title>
            <description>It's tax season and if you worked last year, you may have to file with the IRS. Yes, even if you're under 18! Not sure what to do next? Give this episode a listen.
</description>
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            <itunes:subtitle>Taxes. Ugh.</itunes:subtitle>
            <itunes:summary>It's tax season and if you worked last year, you may have to file with the IRS. Yes, even if you're under 18! Not sure what to do next? Give this episode a listen.
</itunes:summary>
            <itunes:duration>3:50</itunes:duration>
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            <title>Sneaky Store Tricks</title>
            <description>In this edition of the Elements Podcast, we look at the many ways your favorite stores used sneaky tricks to get you to spend more money. </description>
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            <pubDate>Wed, 29 Jan 2014 21:48:46 -0800</pubDate>
            <itunes:subtitle>Sneaky Store Tricks</itunes:subtitle>
            <itunes:summary>In this edition of the Elements Podcast, we look at the many ways your favorite stores used sneaky tricks to get you to spend more money. </itunes:summary>
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        <item>
            <title>The Year in Money</title>
            <description>Nikki and Jenny share their favorite money-saving tips from 2013.</description>
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            <itunes:subtitle>The Year in Money</itunes:subtitle>
            <itunes:summary>Nikki and Jenny share their favorite money-saving tips from 2013.</itunes:summary>
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        <item>
            <title>A Shopper's Guide to Saving Money</title>
            <description>It's that time of the year again. Holiday shoppers are lining about with cash in hand. In this episode, we explore things you can do to prepare for holiday shopping.</description>
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            <pubDate>Fri, 29 Nov 2013 02:27:30 -0800</pubDate>
            <itunes:subtitle>Holiday's Shopper Guide to Saving Money</itunes:subtitle>
            <itunes:summary>It's that time of the year again. Holiday shoppers are lining about with cash in hand. In this episode, we explore things you can do to prepare for holiday shopping.</itunes:summary>
            <itunes:duration>4:30</itunes:duration>
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            <title>First-time Credit Tips</title>
            <description>For young people, it's never too early to start thinking about your credit history. In this podcast, we uncover the biggest credit tips important to young consumers.</description>
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            <itunes:subtitle>First-time Credit Tips</itunes:subtitle>
            <itunes:summary>For young people, it's never too early to start thinking about for your credit history. In this podcast, we uncover the biggest credit tips important to young consumers.</itunes:summary>
            <itunes:duration>4:30</itunes:duration>
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            <title>Money-Saving Celebrities</title>
            <description>From Lady Gaga to Selena Gomez… get a behind-the-scenes peek at the lifestyles of the rich and frugal. We pick our favorite money-saving celebrities and share their tips for being financially smart. </description>
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            <itunes:summary>From Lady Gaga to Selena Gomez… get a behind-the-scenes peek at the lifestyles of the rich and frugal. We pick our favorite money-saving celebrities and share their tips for being financially smart. </itunes:summary>
            <itunes:duration>5:22</itunes:duration>
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        <item>
            <title>Volunteer and Save</title>
            <description>Volunteering your time offers many personal rewards, including helping you save money. Here's how!</description>
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            <title>How to Ask for a Raise</title>
            <description>Think you deserve more money at work? So do we! We talk about tips you should know to help you ask for a raise.</description>
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            <itunes:subtitle>How a Ask for a Raise</itunes:subtitle>
            <itunes:summary>Think you deserve more money at work? So do we! We talk about tips you should know to help you ask for a raise.</itunes:summary>
            <itunes:duration>4:00</itunes:duration>
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            <title>Outside-the Box Money Tips</title>
            <description>Tired of the same 'ol money saving advice and tips? We bring a different spin to saving money with some some unique ways to save and keep cash in your wallet.</description>
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            <itunes:subtitle>Outside-the Box Money Tips</itunes:subtitle>
            <itunes:summary>Tired of the same 'ol money saving advice and tips? We bring a different spin to saving money with some some unique ways to save and keep cash in your wallet.</itunes:summary>
            <itunes:duration>4:40</itunes:duration>
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            <title>Enjoy Your Vacation for Less Money</title>
            <description>It doesn't matter whether you plan to vacation near by or at some exotic location, one this remains the same—you need to watch your money. We'll give you tips on how to save money on your next trip.</description>
            <link>http://www.elementspodcast.com</link>
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            <pubDate>Wed, 22 May 2013 15:16:11 -0700</pubDate>
            <itunes:subtitle>Enjoy Your Vacation for Less Money</itunes:subtitle>
            <itunes:summary>It doesn't matter whether you plan to vacation near by or at some exotic location, one this remains the same—you need to watch your money. We'll give you tips on how to save money on your next trip.</itunes:summary>
            <itunes:duration>4:30</itunes:duration>
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        <item>
            <title>When Money Attacks</title>
            <description>In this podcast, we talk about the different things you should do if you find yourself in a load of financial trouble.</description>
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            <title>Your Life, Budgeted</title>
            <description>Not all budgets are created equal. In this podcast, we explore your budget through different time frames: daily, weekly, monthly and beyond! </description>
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            <title>The Three C's of Spending</title>
            <description>Want to know the smart way to shop? Learn the three C's of spending. With just three easy tips, you'll be on your way to saving at the cash register (and shopping cart) every time.</description>
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            <itunes:duration>3:50</itunes:duration>
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            <title>Strangest Scholarship. Ever!</title>
            <description>Not all scholarships are created equal, especially when The Elements of Money team is helping you find them. We uncover strange, but valuable, scholarships from around the U.S. </description>
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            <itunes:duration>3:45</itunes:duration>
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            <title>2012: Year In Review</title>
            <description>It's time once again for our year-end round up of our favorite money tips of the year. Join Nikki and Jenny and get the first hand scoop. </description>
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            <itunes:subtitle>2012: Year In Review</itunes:subtitle>
            <itunes:summary>It's time once again for our year-end round up of our favorite money tips of the year. Join Nikki and Jenny and get the first hand scoop. </itunes:summary>
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            <title>Rate Your Purchase</title>
            <description>Do you know how much your spend every time you use an item? Whether it's a shirt, video game, shoes or sports gear, everything you use everyday costs money. In this issue, we'll help you figure out your Cost Per Use and get the most bang for your buck.</description>
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            <itunes:summary>Do you know how much your spend every time you use an item? Whether it's a shirt, video game, shoes or sports gear, everything you use everyday costs money. In this issue, we'll help you figure out your Cost Per Use and get the most bang for your buck.</itunes:summary>
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            <title>Budget-Friendly Parties</title>
            <description>Like throwing parties but don't like the expense? Here's our guide for throwing a party without throwing away money. We cover it all: locations, food, and entertainment ideas on the cheap!</description>
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            <title>Halloween on a Budget</title>
            <description>Don't get spooked with the rising cost of Halloween costumes. Nikki and Jenny share their not-so-scary tips for dressing up without spending too much cash.</description>
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            <title>Build Your Own Community for Free</title>
            <description>Joining a club or playing for a sports team can get expensive. A cheaper alternative is to do-it-yourself. In this podcast, Nikki and Jenny have tips for building your own community and saving money while doing it. </description>
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            <itunes:summary>Joining a club or playing for a sports team can get expensive. A cheaper alternative is to do-it-yourself. In this podcast, Nikki and Jenny have tips for building your own community and saving money while doing it. </itunes:summary>
            <itunes:duration>5:34</itunes:duration>
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            <title>Cheap and Wacky Sports Ideas</title>
            <description>Going to the gym and buying sports equipment can sometimes get expensive. Nikki and Jenny explore cheap alternatives to staying active.</description>
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            <pubDate>Mon, 23 Jul 2012 22:02:50 -0700</pubDate>
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            <title>Make Your Own Summer Job</title>
            <description>Finding a Summer job isn't always easy. One solution is to create your own. In this podcast, we give you hints and tips for making cash during the Summer months. </description>
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            <itunes:subtitle>Make Your Own Summer Job</itunes:subtitle>
            <itunes:summary>Finding a Summer job isn't always easy. One solution is to create your own. In this podcast, we give you hints and tips for making cash during the Summer months. </itunes:summary>
            <itunes:duration>4:35</itunes:duration>
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            <title>Smart Money Tips for Smartphones</title>
            <description>Getting ready to buy a new smartphone? Nikki and Jenny discuss the things you should look for before signing any long-term contract. From text minutes and family plans, to data costs and camera phones, we cover it all.&lt;br /&gt;
</description>
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            <pubDate>Thu, 24 May 2012 12:00:50 -0700</pubDate>
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            <itunes:summary>Getting ready to buy a new smartphone? Nikki and Jenny discuss the things you should look for before signing any long-term contract. From text minutes and family plans, to data costs and camera phones, we cover it all.
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            <itunes:duration>4:50</itunes:duration>
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        <item>
            <title>Recycling and Upcycling for Cash</title>
            <description>What's an easy way to make money? Use what you already have! Whether you want to recycle for cash, or upcycle and sell stuff online, we have the hints and tips you'll need.</description>
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            <itunes:duration>4:45</itunes:duration>
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        <item>
            <title>Stop Wasting Money</title>
            <description>In this episode, find out how to stop spending your hard-earned cash on the most common Money Wasters. </description>
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            <pubDate>Sun, 18 Mar 2012 16:22:12 -0700</pubDate>
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            <itunes:summary>In this episode, find out how to stop spending your hard-earned cash on the most common Money Wasters. </itunes:summary>
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        <item>
            <title>Charitable Giving: Where to Begin?</title>
            <description>You don’t need to be rich to donate to a charity. In this episode, Nikki and Jenny uncover the basics of giving to a charity.</description>
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            <itunes:summary>You don’t need to be rich to donate to a charity. In this episode, Nikki and Jenny uncover the basics of giving to a charity.</itunes:summary>
            <itunes:duration>4:00</itunes:duration>
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        <item>
            <title>Getting Ready for the Tuition Countdown</title>
            <description>In this podcast, Nikki and Jenny give you tips for preparing for college expenses. Whether you're a few months or a few years away from college, this podcast is a must-listen.</description>
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            <pubDate>Thu, 19 Jan 2012 20:43:08 -0800</pubDate>
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            <itunes:summary>In this podcast, Nikki and Jenny give you tips for preparing for college expenses. Whether you're a few months or a few years away from college, this podcast is a must-listen.</itunes:summary>
            <itunes:duration>4:10</itunes:duration>
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        <item>
            <title>End of Year Financial Roundup</title>
            <description>Nikki and Jenny share their favorite money-saving tips from 2011.</description>
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            <pubDate>Tue, 20 Dec 2011 15:06:00 -0800</pubDate>
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            <itunes:duration>4:25</itunes:duration>
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        <item>
            <title>Department Store Credit Cards</title>
            <description>The elements podcast is about  money. How to make it, spend it, borrow it, save it, and keep it safe. In each podcast we'll talk about real world issues affecting young people and money. </description>
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            <pubDate>Thu, 19 Jan 2012 20:43:33 -0800</pubDate>
            <itunes:subtitle>Department Store Credit Cards</itunes:subtitle>
            <itunes:summary>In this podcast, Nikki and Jenny discuss the mistakes people make when carrying a department store credit card. </itunes:summary>
            <itunes:duration>3:55</itunes:duration>
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        <item>
            <title>Scary Financial Stories</title>
            <description>In this special spooky episode, Nikki and Jenny share their favorite scary money stories. From people getting ripped off to online scams, this podcast will surely have you quaking in your boots.</description>
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            <pubDate>Mon, 17 Oct 2011 13:54:31 -0700</pubDate>
            <itunes:subtitle>Scary Financial Stories</itunes:subtitle>
            <itunes:summary>In this special spooky episode, Nikki and Jenny share their favorite scary money stories. From people getting ripped off to online scams, this podcast will surely have you quaking in your boots.</itunes:summary>
            <itunes:duration>5:04</itunes:duration>
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            <title>All About Passwords</title>
            <description>When it comes to protecting your money online, your best line of defense is a solid password. In this podcast, Nikki and Jenny discuss what you can do to create the perfect password.</description>
            <link>http://www.elementspodcast.com</link>
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            <pubDate>Fri, 23 Sep 2011 15:49:29 -0700</pubDate>
            <itunes:subtitle>All About Passwords</itunes:subtitle>
            <itunes:summary>When it comes to protecting your money online, your best line of defense is a solid password. In this podcast, Nikki and Jenny discuss what you can do to create the perfect password.</itunes:summary>
            <itunes:duration>4:19</itunes:duration>
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            <title>Back-to-School Shopping on a Budget</title>
            <description>Nikki and Jenny give their tips for making the most of your back-to-school clothing budget. </description>
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            <pubDate>Thu, 18 Aug 2011 12:33:48 -0700</pubDate>
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            <itunes:summary>Nikki and Jenny give their tips for making the most of your back-to-school clothing budget. </itunes:summary>
            <itunes:duration>3:53</itunes:duration>
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            <title>Protect Your Money From Hackers</title>
            <description>In this podcast, Nikki and Jenny talk about things you can do to protect your online accounts and your money from hackers. </description>
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            <title>Tips for a Successful Yard Sale</title>
            <description>Planning a yard sale? Check out Jenny and Nikki's tips to help make your yard sale fun ... and a success!</description>
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            <title>What it Means to Be a Credit Union Member</title>
            <description>Young credit union members from across the country tweet what it means to them to be a credit union member. </description>
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            <title>Inside the World of Advertising</title>
            <description>Learn the tricks advertisers use to get people to spend money. From celebrity endorsements to "extreme" soft drinks , Nikki and Jenny cover the most popular types of commercials.</description>
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            <title>Credit Cards Under the Microscope</title>
            <description>In this episode, Nikki and Jenny uncover the top three features to look for when choosing a credit card.</description>
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            <itunes:summary>In this episode, Nikki and Jenny uncover the top three features to look for when choosing a credit card.</itunes:summary>
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            <title>The Best Things in Life Are Free</title>
            <description>Check out this month's podcast as Jenny and Nikki share their favorite tips for finding stuff for free.</description>
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            <title>The Top Money Tips of 2010</title>
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            <title>The Eco-Friendly (and Cheap) Way to Shop</title>
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            <title>The Economics of Learning a Musical Instrument</title>
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            <title>Upgrading Your Digital Life</title>
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            <title>Three Big Money Mistakes</title>
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            <title>A Cheap Guide to Playing Video Games</title>
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            <title>A Guide to Buying and Renting Movies</title>
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            <title>All About Savings Accounts</title>
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savings accounts. From regular savings to retirements accounts, we  
look at the many different savings options available to you. 
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            <title>Setting Financial Goals</title>
            <description>Nikki and Jenny outline a few simple steps for helping you save for the future using financial goals.</description>
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            <title>Yes, You Can Afford College</title>
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            <itunes:summary>With the costs of a college education rising, you may be looking for ways to pay. In this episode, Nikki and Jenny share their ideas to help you find college funding.  </itunes:summary>
            <itunes:duration>4:09</itunes:duration>
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            <title>The Difference Between Credit Unions and Banks</title>
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            <itunes:subtitle>The Difference Between Credit Unions and Banks</itunes:subtitle>
            <itunes:summary>Why should you choose a credit union versus a bank? Nikki and Jenny explain the differences that could have a huge impact on your wallet and financial life!</itunes:summary>
            <itunes:duration>4:22</itunes:duration>
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            <title>Hints and Tips for Finding a Job</title>
            <description>If you're under 18 and looking for a part-time job, you may find that all the traditional "teen" jobs are being filled by adults. Now what? Nikki and Jenny have a few ideas for finding the perfect job in today's challenging job market.</description>
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            <itunes:duration>4:48</itunes:duration>
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            <title>The Top Money Tips from 2009</title>
            <description>From saving money for concerts to spending less on movies, Nikki and Jenny share the best money-saving tips from the past year. </description>
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            <title>Saving Money Without a Piggy Bank</title>
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            <title>Stay Fit and Save Money</title>
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            <itunes:summary>From exercise equipment and eating healthy, to skin care products and more, Jenny and Nikki discuss different ways to stay fit without breaking your budget.</itunes:summary>
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            <title>Gadgets and Gizmos</title>
            <description>It's easy to get caught up in the latest and greatest electronic devices. From iPods and iPhones, to PS3s and more, Jenny and Nikki give you tips for saving money on your favorite gadgets.</description>
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            <pubDate>Wed, 09 Sep 2009 00:29:05 -0700</pubDate>
            <itunes:subtitle>Gadgets and Gizmos</itunes:subtitle>
            <itunes:summary>It's easy to get caught up in the latest and greatest electronic devices. From iPods and iPhones, to PS3s and more, Jenny and Nikki give you tips for saving money on your favorite gadgets.</itunes:summary>
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            <title>The Good, The Bad and The Ugly</title>
            <description>Who can young adults trust when it comes to their money? In this episode, Jenny and Nikki rate different types of financial options available to young people.</description>
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            <itunes:summary>Who can young adults trust when it comes to their money? In this episode, Jenny and Nikki rate different types of financial options available to young people.</itunes:summary>
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            <title>Frugal Fashion Sense</title>
            <description>Learn how to  "dress to impress" without spending your last dollar.</description>
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            <itunes:summary>Learn how to  "dress to impress" without spending your last dollar.</itunes:summary>
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            <description>Whether you’re a musician in a band, or simply a fan who loves listening to music and going to concerts, we have tips to help you save money.</description>
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            <itunes:summary>The elements podcast is about  money. How to make it, spend it, borrow it, save it, and keep it safe. In each podcast we'll talk about real world issues affecting young people and money. </itunes:summary>
            <itunes:duration>7:29</itunes:duration>
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            <title>Building a solid credit history while you're young</title>
            <description>In this episode, Jenny and Nikki talk about things young people can do to start building a positive credit history. </description>
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            <itunes:summary>In this episode, Jenny and Nikki talk about things young people can do to start building a positive credit history. </itunes:summary>
            <itunes:duration>6:40</itunes:duration>
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            <title>What do you REALLY need?</title>
            <description>Do you know the difference between Needs and Wants? In this episode, Nikki and Jenny help you determine what you really need to get by in today's economy. </description>
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            <itunes:subtitle>What do you REALLY need?</itunes:subtitle>
            <itunes:summary>Do you know the difference between Needs and Wants? In this episode, Nikki and Jenny help you determine what you really need to get by in today's economy. </itunes:summary>
            <itunes:duration>6:40</itunes:duration>
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            <title>Get More Stuff for Less Money</title>
            <description>Meet Nikki and Jenny, the new hosts of The Elements of Money podcast. In today's episode, we  beat back the recession with tips on how to make your money go farther. From going to the movies to shopping for sales, these tips prove that economy doesn't have to get you down.</description>
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            <itunes:subtitle>More Stuff for Less Money</itunes:subtitle>
            <itunes:summary>Meet Nikki and Jenny, the new hosts of The Elements of Money podcast. In today's episode, we  beat back the recession with tips on how to make your money go farther. From going to the movies to shopping for sales, these tips prove that economy doesn't have to get you down.</itunes:summary>
            <itunes:duration>5:15</itunes:duration>
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            <title>Exploring Checking Accounts</title>
            <description>In this episode, Catie and Joey talk about everything you need to know about checking accounts, including how to avoid bounced checks and fees. Also in this episode: great business ideas for young entrepreneurs.</description>
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            <itunes:subtitle>Exploring Checking Accounts</itunes:subtitle>
            <itunes:summary>In this episode, Catie and Joey talk about everything you need to know about checking accounts, including how to avoid bounced checks and fees. Also in this episode: great business ideas for young entrepreneurs.</itunes:summary>
            <itunes:duration>7:27</itunes:duration>
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            <title>Pay to Play: Sports and Money</title>
            <description>Whether you're an Olympic-bound athlete or just play sports for fun, we have a way for you to save money on equipment, lessons and even transportation. Catie and Joey talk about typical sports expenses, and ways to make playing affordable. Also in this episode: three organizations that can help  young entrepreneurs.</description>
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            <itunes:subtitle>Pay to Play: Sports and Money</itunes:subtitle>
            <itunes:summary>Whether you're an Olympic-bound athlete or just play sports for fun, Catie and Joey share their tips to make playing more affordable. Also in this episode:  three organizations that help young entrepreneurs.</itunes:summary>
            <itunes:duration>6:48</itunes:duration>
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            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Top Ten Money Tips from 2008</title>
            <description>From lowering your cell phone bill to spending less money on entertainment, Catie and Joey discuss their favorite money tips from the past year. </description>
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            <itunes:summary>From lowering your cell phone bill to spending less money on entertainment, Catie and Joey discuss their favorite money tips from the past year. </itunes:summary>
            <itunes:duration>6:02</itunes:duration>
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            <title>The Pros and Cons of Buying a Used Car</title>
            <description>Buying a car is a big purchase. One way to make it more affordable is to drive a previously owned car. In this episode, Catie and Joey discuss the pros and cons of buying a used car. Also in this episode: putting together a college expense checklist.</description>
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            <pubDate>Tue, 02 Dec 2008 11:32:22 -0800</pubDate>
            <itunes:subtitle>The Pros and Cons of Buying a Used Car</itunes:subtitle>
            <itunes:summary>Buying a car is a big purchase. One way to make it more affordable is to drive a previously owned car. In this episode, Catie and Joey discuss the pros and cons of buying a used car. Also in this episode: putting together a college expense checklist.</itunes:summary>
            <itunes:duration>6:56</itunes:duration>
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            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>The 411 on College Applications</title>
            <description>The deadline to submit college applications is right around the corner.  But don't worry - help is on the way. In this episode, Catie and Joey help make sense of the entire college application process. Tune in and take the stress out of applying for college. </description>
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            <itunes:subtitle>The 411 on College Applications</itunes:subtitle>
            <itunes:summary>The deadline to submit college applications is right around the corner.  But don't worry - help is on the way. In this episode, Catie and Joey help make sense of the entire college application process. Tune in and take the stress out of applying for college. </itunes:summary>
            <itunes:duration>5:50</itunes:duration>
            <itunes:keywords>college, credit union, student, money, financial aid, application</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Credit Prep 101</title>
            <description>How do you build a credit history from scratch? Catie and Joey talk about simple things young people can do today to get approved for a loan in the future. Also in this episode: College loans.</description>
            <link>http://www.elementspodcast.com</link>
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            <itunes:subtitle>Credit Prep 101</itunes:subtitle>
            <itunes:summary>How do you build a credit history from scratch? Catie and Joey talk about simple things young people can do today to get approved for a loan in the future. Also in this episode: College loans.</itunes:summary>
            <itunes:duration>5:40</itunes:duration>
            <itunes:keywords>credit, loan, money, credit union, teen, finance</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Will Work for Money: Job-Hunting Tips</title>
            <description>From resume and interview tips, to fashion hints and Facebook "no-nos", Catie and Joey show you how to crack into today's tough job market.  Don't miss this podcast filled with tips, hints and recommendations to help you land that dream job.  Also in this episode: Applying for financial aid.</description>
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            <itunes:subtitle>Will Work for Money: Job-Hunting Tips</itunes:subtitle>
            <itunes:summary>From resume and interview tips, to fashion hints and Facebook "no-nos", Catie and Joey show you how to crack into today's tough job market. Don't miss this podcast filled with tips, tricks and recommendations to help you land that dream job.  Also in this episode: Applying for financial aid.</itunes:summary>
            <itunes:duration>6:40</itunes:duration>
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            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Avoiding the Dark Side of Credit Card</title>
            <description>Is a free tote bag really worth applying for a 19.8% APR credit  card? No way! In this episode, Catie and Joey talk about the pros and cons of applying for and carrying a credit card. Don't get stuck owing a big credit card company thousands of dollars. Listen to this podcast and learn the truth about those slick giveaways. Also in this episode: Paying for last-minute college expense.</description>
            <link>http://www.elementspodcast.com</link>
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            <itunes:subtitle>Avoiding the Dark Side of Credit Card</itunes:subtitle>
            <itunes:summary>Is a free tote bag really worth applying for a 19.8% APR credit  card? No way! In this episode, Catie and Joey talk about the pros and cons of applying for and carrying a credit card. Don't get stuck owing a big credit card company thousands of dollars. Listen to this podcast and learn the truth about those slick giveaways. Also in this episode: Paying for last-minute college expense.</itunes:summary>
            <itunes:duration>6:02</itunes:duration>
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            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Cheap Summer Entertainment</title>
            <description>Four dollars for a gallon of gas? Ten dollars for a movie ticket? If summer expenses have you counting your pennies, look no further.  In this podcast, Catie and Joey feel your financial pain and offer their suggestions for things to do during the summer months that won't leave you broke.  Also in this episode: Getting the most out of extracurricular activities.  </description>
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            <itunes:subtitle>Cheap Summer Entertainment</itunes:subtitle>
            <itunes:summary>Four dollars for a gallon of gas? Ten dollars for a movie ticket? If summer expenses have you counting your pennies, look no further.  In this podcast, Catie and Joey feel your financial pain and offer their suggestions for things to do during the summer months that won't leave you broke.  Also in this episode: Getting the most out of extracurricular activities.  </itunes:summary>
            <itunes:duration>5:50</itunes:duration>
            <itunes:keywords>money, summer, discounts, teen, finance, economy, savings, credit union, bank</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Paying for Fido: Reducing Pet Expenses</title>
            <description>$90 Juicy Couture Doggy Bag? Not here! Catie and Joey talk about the many different ways to take care of your pet without going broke. Also in this episode: unique college scholarships. We cover everything from free money for duct tape prom dresses to vegetarian scholarships. </description>
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            <itunes:summary>$90 Juicy Couture Doggy Bag? Not here! Catie and Joey talk about the many different ways to take care of your pet without going broke. Also in this episode: unique college scholarships. We cover everything from free money for duct tape prom dresses to vegetarian scholarships. </itunes:summary>
            <itunes:duration>8:10</itunes:duration>
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            <title>Foolish Money Mistakes</title>
            <description>It's April Fool's, so Catie and Joey are talking about foolish things people do with their money. From throwing money away on video late fees, to literally having rats eat your money, this episode is a funny and entertaining look at financial foolishness. Also in this episode: getting ready for college.</description>
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            <author>feedback@elementspodcast.com</author>
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            <itunes:subtitle>Foolish Money Mistakes</itunes:subtitle>
            <itunes:summary>It's April Fool's, so Catie and Joey are talking about foolish things people do with their money. From throwing money away on video late fees, to literally having rats eat your money, this episode is a funny and entertaining look at financial foolishness. Also in this episode: getting ready for college.</itunes:summary>
            <itunes:duration>7:58</itunes:duration>
            <itunes:keywords>money, mistakes, college, credit union, finance, teen</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Filing Taxes: It’s Not Just for Adults</title>
            <description>Do you have a part-time job and aren't sure if you have to file a tax return? Paying taxes isn't just for adults. Listen to this podcast for information important for workers under 18 years old (or any age for that matter). It doesn't matter if you have a part-time job at the mall, mow lawns or babysit, if you worked in 2007, this episode is for you ... so listen up! Also in this episode: ways to avoid scholarship scams.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
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            <pubDate>Tue, 04 Mar 2008 10:22:39 -0800</pubDate>
            <itunes:subtitle>Filing Taxes: It’s Not Just for Adults</itunes:subtitle>
            <itunes:summary>Do you have a part-time job and aren't sure if you have to file a tax return? Paying taxes isn't just for adults. Listen to this podcast for information important for workers under 18 years old (or any age for that matter). It doesn't matter if you have a part-time job at the mall, mow lawns or babysit, if you worked in 2007, this episode is for you ... so listen up! Also in this episode: ways to avoid scholarship scams.</itunes:summary>
            <itunes:duration>8:36</itunes:duration>
            <itunes:keywords>taxes, money, teen, youth, family, credit union, job</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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        <item>
            <title>From Lattes to Credit Cards: Start Saving Money Today</title>
            <description>Worried about all this talk about a recession? It's never too late to start saving money. Catie and Joey talk about different ways you can trim your expenses and be prepared for anything. Also in this episode: Places to look for  scholarships.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
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            <pubDate>Tue, 04 Mar 2008 10:04:58 -0800</pubDate>
            <itunes:subtitle>From Lattes to Credit Cards: Start Saving Money Today</itunes:subtitle>
            <itunes:summary>Worried about all this talk about a recession? It's never too late to start saving money. Catie and Joey talk about different ways you can trim your expenses and be prepared for anything. Also in this episode: Places to look for  scholarships.</itunes:summary>
            <itunes:duration>7:02</itunes:duration>
            <itunes:keywords>money, recession, saving, credit union, teen, finances, budget</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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        <item>
            <title>How to Lower Your Cell Phone Bill</title>
            <description>Is your cell phone bill getting out of control? We have a few tips to help you save some money.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
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            <itunes:subtitle>How to Lower Your Cell Phone Bill</itunes:subtitle>
            <itunes:summary>Is your cell phone bill getting out of control? We have a few tips to help you save some money.</itunes:summary>
            <itunes:duration>7:24</itunes:duration>
            <itunes:keywords>money, cell phone, credit union, teen</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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        <item>
            <title>The Top Ten Money Tips of 2007</title>
            <description>Catie and Joey list off their top ten money tips of 2007.</description>
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            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
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            <itunes:subtitle>The Top Ten Money Tips of 2007</itunes:subtitle>
            <itunes:summary>Catie and Joey list off their top ten money tips of 2007.</itunes:summary>
            <itunes:duration>8:30</itunes:duration>
            <itunes:keywords>money, credit union, young adult, teen, finance, identity theft</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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        <item>
            <title>Holiday Shopping on a Budget</title>
            <description>Want to learn how to get your holiday shopping done without spending a fortune? Joey and Catie talk about different ways to show you care and still have money left over. Also in this episode: outsmarting identity thieves during the holidays.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
            <category>Business, Family</category>
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            <pubDate>Thu, 01 Nov 2007 23:16:44 -0700</pubDate>
            <itunes:subtitle>Holiday Shopping on a Budget</itunes:subtitle>
            <itunes:summary>Want to learn how to get your holiday shopping done without spending a fortune? Joey and Catie talk about different ways to show you care and still have money left over. Also in this episode: outsmarting identity thieves during the holidays.</itunes:summary>
            <itunes:duration>8:18</itunes:duration>
            <itunes:keywords>credit union, holidays, shopping, money, teen, credit, bank</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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        <item>
            <title>The Cost of Driving</title>
            <description>Do you know how much money it REALLY cost to drive a car? From car insurance to oil changes, we'll talk about all the different cost associated with owning a car. Joey and Catie will also share their tips for staying safe while sharing files via P2P.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
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            <pubDate>Sat, 06 Oct 2007 18:18:03 -0700</pubDate>
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            <itunes:summary>Do you know how much money it REALLY cost to drive a car? From car insurance to oil changes, we'll talk about all the different cost associated with owning a car. Joey and Catie will also share their tips for staying safe while sharing files via P2P.</itunes:summary>
            <itunes:duration>7:22</itunes:duration>
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            <itunes:author>A Credit Union Friend</itunes:author>
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        <item>
            <title>Financial Urban Legends</title>
            <description>Bigfoot, the Loch Ness Monster and ... money? In this podcast we'll separate fact from fiction when it comes to urban legends about money. Joey and Catie also talk about ways to avoid getting ripped off in Second Life. </description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
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            <itunes:subtitle>Financial Urban Legends</itunes:subtitle>
            <itunes:summary>Bigfoot, the Loch Ness Monster and ... money? In this podcast we'll separate fact from fiction when it comes to urban legends about money. Joey and Catie also talk about ways to avoid getting ripped off in Second Life. </itunes:summary>
            <itunes:duration>7:42</itunes:duration>
            <itunes:keywords>money, urban legend, credit union</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Getting Ready for Back to School</title>
            <description>Summer is just about over and it's time to start thinking about back-to-school expenses like books and clothes. Learn how to make the most of your money before school starts. Joey and Catie also talk about ways to protect your identity.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family</category>
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            <pubDate>Tue, 07 Aug 2007 21:59:41 -0700</pubDate>
            <itunes:subtitle>Getting Ready for Back to School</itunes:subtitle>
            <itunes:summary>Summer is just about over and it's time to start thinking about back-to-school expenses like books and clothes. Learn how to make the most of your money before school starts. Joey and Catie also talk about ways to protect your identity.</itunes:summary>
            <itunes:duration>8:47</itunes:duration>
            <itunes:keywords>money, school, college, student, credit union, budgeting</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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        <item>
            <title>Travel Money Tips</title>
            <description>If you're planning a trip this summer, there are steps you can take to make sure you don’t get ripped off while you're away from home. Joey and Catie  also talk about ways to avoid email scams. </description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
            <category>business, family, teen, travel</category>
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            <itunes:summary>If you're planning a trip this summer, there are steps you can take to make sure you don’t get ripped off while you're away from home. Joey and Catie  also talk about ways to avoid email scams. </itunes:summary>
            <itunes:duration>8:00</itunes:duration>
            <itunes:keywords>Travel, money, teen, credit union, finance, atm card, credit card, debit card, travelers checks, elements, podcast</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Things You Can Do for Under $20</title>
            <description>Looking for things to do this Summer but don't want to spend too much money? Yes, it's possible to have a good time on a limited budget. From movies to baseball games, Catie and Joey share some of their favorite ideas.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
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            <itunes:summary>Looking for things to do this Summer but don't want to spend too much money? Yes, it's possible to have a good time on a limited budget. From movies to baseball games, Catie and Joey share some of their favorite ideas.</itunes:summary>
            <itunes:duration>6:44</itunes:duration>
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            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>The Perfect Job Interview</title>
            <description>Summer is almost here, and so are summer job opportunities. In this episode, Joey and Catie talk about job interview tips — and funny interview bloopers. Learn how to put your best foot forward to get the perfect job.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
            <category>Business, Family</category>
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            <pubDate>Thu, 03 May 2007 14:54:55 -0700</pubDate>
            <itunes:subtitle>The Perfect Job Interview</itunes:subtitle>
            <itunes:summary>Summer is almost here, and so are summer job opportunities. In this episode, Joey and Catie talk about job interview tips — and funny interview bloopers. Learn how to put your best foot forward to get the perfect job.</itunes:summary>
            <itunes:duration>6:04</itunes:duration>
            <itunes:keywords>job interview, credit union, money, teen, career, finance</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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            <title>Saving Money Everyday</title>
            <description>Think you spend too much money? Do you find that you're paycheck (or allowance) seems to disappear the moment you get it? Listen as Joey and Catie talk about easy things you can do everyday to save money. They'll also talk about ways to keep your identity safe when using a wireless connection at public hot spots.</description>
            <link>http://www.elementspodcast.com</link>
            <author>feedback@elementspodcast.com</author>
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            <pubDate>Sun, 01 Apr 2007 21:49:52 -0700</pubDate>
            <itunes:subtitle>Saving Money Everyday</itunes:subtitle>
            <itunes:summary>Think you spend too much money? Do you find that you're paycheck (or allowance) seems to disappear the moment you get it? Listen as Joey and Catie talk about easy things you can do everyday to save money.</itunes:summary>
            <itunes:duration>6:37</itunes:duration>
            <itunes:keywords>Money, credit union, personal finance, saving, credit, loans</itunes:keywords>
            <itunes:author>A Credit Union Friend</itunes:author>
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