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	<title>Financial Planning Focus</title>
	
	<link>http://financialplanningfocus.com/blog</link>
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		<title>Before the days of Quicken and Mint.com – When the Envelope Method Reigned</title>
		<link>http://financialplanningfocus.com/blog/before-the-days-of-quicken-and-mint-com-%e2%80%93-when-the-envelope-method-reigned/</link>
		<comments>http://financialplanningfocus.com/blog/before-the-days-of-quicken-and-mint-com-%e2%80%93-when-the-envelope-method-reigned/#comments</comments>
		<pubDate>Wed, 26 Jan 2011 23:16:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>

		<guid isPermaLink="false">http://financialplanningfocus.com/blog/?p=41</guid>
		
			<content:encoded><![CDATA[Back in the day, when people actually “cashed’ their paychecks, and people paid for their life insurance by giving a weekly quarter to the agent, families budgeted by using the envelope method. They...<br/>
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		<title>Budgets – Why They Don’t Pass the Stress Test</title>
		<link>http://financialplanningfocus.com/blog/budgets-%e2%80%93-why-they-don%e2%80%99t-pass-the-stress-test/</link>
		<comments>http://financialplanningfocus.com/blog/budgets-%e2%80%93-why-they-don%e2%80%99t-pass-the-stress-test/#comments</comments>
		<pubDate>Tue, 27 Jul 2010 01:59:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgteting]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://financialplanningfocus.com/blog/?p=33</guid>
		
			<content:encoded><![CDATA[You compiled a budget(s) with the best intentions.  And the budget(s) never quite stuck.  You blamed your weak self-discipline and your lack of motivation.  Let me suggest that there were other...<br/>
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		<title>Telephone Service – Too Many Charges, Bills for Too Little Convenience</title>
		<link>http://financialplanningfocus.com/blog/telephone-service-too-many-charges-bills-for-too-little-convenience/</link>
		<comments>http://financialplanningfocus.com/blog/telephone-service-too-many-charges-bills-for-too-little-convenience/#comments</comments>
		<pubDate>Fri, 16 Jul 2010 17:14:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>

		<guid isPermaLink="false">http://financialplanningfocus.com/blog/?p=29</guid>
		
			<content:encoded><![CDATA[I maintain two telephone lines because I don’t want to give up my business telephone number. I also had maintained two phone cards for long distance.  You know, just in case one is full.  And I was...<br/>
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		<title>What a Difference a Good P &amp; C Agent Can Make?</title>
		<link>http://financialplanningfocus.com/blog/what-a-difference-a-good-p-c-agent-can-make/</link>
		<comments>http://financialplanningfocus.com/blog/what-a-difference-a-good-p-c-agent-can-make/#comments</comments>
		<pubDate>Fri, 02 Jul 2010 18:53:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[homeowner]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[preimum]]></category>

		<guid isPermaLink="false">http://financialplanningfocus.com/blog/?p=26</guid>
		
			<content:encoded><![CDATA[As a former licensed agent, in the distant past for a short while, and former lecturer on insurance planning you would have thought that my auto and homeowner&#8217;s policies were probably as good...<br/>
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		<title>Insuring Your Health – Protecting Your Pocket Book</title>
		<link>http://financialplanningfocus.com/blog/insuring-your-health-proetecting-your-pocket-book/</link>
		<comments>http://financialplanningfocus.com/blog/insuring-your-health-proetecting-your-pocket-book/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 00:52:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[health insurance]]></category>

		<guid isPermaLink="false">http://financialplanningfocus.com/blog/?p=20</guid>
		
			<content:encoded><![CDATA[While brainstorming/networking with a group of women business owners I found that what we all paid for health insurance was really across the board:  And I was pretty confident that this was a group...<br/>
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		<title>Welcome “Budgeting by Choice for More Savings Earned” Blog</title>
		<link>http://financialplanningfocus.com/blog/welcome-budgeting-by-choice-for-more-savings-earned-blog/</link>
		<comments>http://financialplanningfocus.com/blog/welcome-budgeting-by-choice-for-more-savings-earned-blog/#comments</comments>
		<pubDate>Sun, 14 Feb 2010 02:54:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Financial planning]]></category>
		<category><![CDATA[investment advice]]></category>

		<guid isPermaLink="false">http://financialplanningfocus.com/blog/?p=3</guid>
		
			<content:encoded><![CDATA[I am a Certified Financial Planner(R) whose does cash flow based financial planning with a focus on budgeting.  While I got my CFP(R) in 1988 it wasn&#8217;t till 2007 that I made financial planning...<br/>
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