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	<title>Personal Finance Focus</title>
	
	<link>http://personalfinancefocus.com</link>
	<description>Personal finance articles and information including money tips and budgeting advice.</description>
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		<title>Ditch the Card</title>
		<link>http://personalfinancefocus.com/ditch-the-card/</link>
		<comments>http://personalfinancefocus.com/ditch-the-card/#comments</comments>
		<pubDate>Sat, 25 Feb 2012 23:56:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debit card]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=102</guid>
		<description><![CDATA[It’s all too easy to rack up a ridiculous amount of debt if you are not careful. The credit card companies make money off of your spending and they want you to keep spending. That’s how the banks make their money and how you lose yours. In this article, I am going to discuss how [...]]]></description>
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		<title>Guide on How to Control Your Spending – Part 2</title>
		<link>http://personalfinancefocus.com/guide-on-how-to-control-your-spending-part-2/</link>
		<comments>http://personalfinancefocus.com/guide-on-how-to-control-your-spending-part-2/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 09:08:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[control spending habits]]></category>
		<category><![CDATA[spending plan]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=93</guid>
		<description><![CDATA[Click here to read Guide on How to Control Your Spending – Part 1 The following are a few guidelines for budgets for those who haven’t used them before. Establish a Spending Plan or Budget Spending budget, it’s a phrase that lots of adults fear and many others avoid. They believe the prospects of creating [...]]]></description>
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		<title>Guide on How to Control Your Spending – Part 1</title>
		<link>http://personalfinancefocus.com/guide-on-how-to-control-your-spending-part-1/</link>
		<comments>http://personalfinancefocus.com/guide-on-how-to-control-your-spending-part-1/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 07:08:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[controlling spending]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[spending addictions]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=88</guid>
		<description><![CDATA[Whenever economic situations are positive, people hardly ever think about how their current spending habits can adversely affect their financial perspective when situations change. They might get accustomed to purchasing big ticket items that require the use of a credit card. They buy things they may not actually need simply because they possess the disposable [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>In Debt, But Need a Bank Account?</title>
		<link>http://personalfinancefocus.com/in-debt-but-need-a-bank-account/</link>
		<comments>http://personalfinancefocus.com/in-debt-but-need-a-bank-account/#comments</comments>
		<pubDate>Tue, 01 Nov 2011 02:19:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bank account]]></category>
		<category><![CDATA[in debt bank account]]></category>
		<category><![CDATA[IVA]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=75</guid>
		<description><![CDATA[If you're currently involved in a debt solution there are some alternative banking options which may be open to you instead. Here we'll look at opening an account if you're struggling with debt.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Keep Yourself Away from Debt – Debt Free Money is Better</title>
		<link>http://personalfinancefocus.com/keep-yourself-away-from-debt-debt-free-money-is-better/</link>
		<comments>http://personalfinancefocus.com/keep-yourself-away-from-debt-debt-free-money-is-better/#comments</comments>
		<pubDate>Sat, 01 Oct 2011 11:16:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free money]]></category>
		<category><![CDATA[debts]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=65</guid>
		<description><![CDATA[If you try to indulge in luxuries that your monthly income does not provide for, then you will end up in debt. Continuous debt can be very harmful for your financial well being.]]></description>
		<wfw:commentRss>http://personalfinancefocus.com/keep-yourself-away-from-debt-debt-free-money-is-better/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fight Identity Theft: Stop the Thieves in Their Tracks</title>
		<link>http://personalfinancefocus.com/fight-identity-theft-stop-the-thieves-in-their-tracks/</link>
		<comments>http://personalfinancefocus.com/fight-identity-theft-stop-the-thieves-in-their-tracks/#comments</comments>
		<pubDate>Thu, 04 Aug 2011 19:03:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[fight identity theft]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=60</guid>
		<description><![CDATA[There are easy things you can do to fight identity theft and stop the thieves in their tracks. Read on to learn more.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Examples Of How You Can Achieve Financial Freedom</title>
		<link>http://personalfinancefocus.com/examples-of-how-you-can-achieve-financial-freedom/</link>
		<comments>http://personalfinancefocus.com/examples-of-how-you-can-achieve-financial-freedom/#comments</comments>
		<pubDate>Tue, 12 Jul 2011 20:01:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[financially free]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=49</guid>
		<description><![CDATA[What is your concept of financial freedom? Ideally, in my opinion it means to be able to have enough money to do what I want to do, when I want to do it.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Put your Money Aside for a Rainy Day</title>
		<link>http://personalfinancefocus.com/put-your-money-aside-for-a-rainy-day/</link>
		<comments>http://personalfinancefocus.com/put-your-money-aside-for-a-rainy-day/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 19:31:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[personal finance control]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=70</guid>
		<description><![CDATA[As we have learned anything from the way the economy has nose dived, it's the reality that we need to learn to stop living beyond our means and that we ought to have some money set aside in savings for the "rainy day" that we just know will show up sooner or later. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Debt Consolidation Be an Answer to Manage Your Multiple Debts?</title>
		<link>http://personalfinancefocus.com/can-debt-consolidation-be-an-answer-to-manage-your-multiple-debts/</link>
		<comments>http://personalfinancefocus.com/can-debt-consolidation-be-an-answer-to-manage-your-multiple-debts/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 08:38:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debts]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=44</guid>
		<description><![CDATA[The US economy seems to be hit hard by the debt bug post recession. An overwhelmingly large number of people are signing up with debt relief companies to clear their mounting debts. In such a scenario, many of them are trying to bring their debts under control with debt consolidation. But how can you know [...]]]></description>
		<wfw:commentRss>http://personalfinancefocus.com/can-debt-consolidation-be-an-answer-to-manage-your-multiple-debts/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Credit Debt Relief: How to Achieve It?</title>
		<link>http://personalfinancefocus.com/credit-debt-relief-how-to-achieve-it/</link>
		<comments>http://personalfinancefocus.com/credit-debt-relief-how-to-achieve-it/#comments</comments>
		<pubDate>Fri, 04 Feb 2011 18:53:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit debt relief]]></category>
		<category><![CDATA[debt relief]]></category>

		<guid isPermaLink="false">http://personalfinancefocus.com/?p=38</guid>
		<description><![CDATA[The credit debt relief is possible, no matter how far in debt you can be. There are several different steps you can take that will help you get out of debt you are in now and not only that but actually stay out of it in the future. This is very important, because often times [...]]]></description>
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		<slash:comments>1</slash:comments>
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