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	<title>Modern Gal &#187; Finance</title>
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	<link>http://amoderngal.com</link>
	<description>Healthy Living, without Breaking the Bank</description>
	<lastBuildDate>Wed, 23 May 2012 06:04:31 +0000</lastBuildDate>
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		<title>Simplified Record Keeping</title>
		<link>http://amoderngal.com/2012/04/15/simplified-record-keeping/</link>
		<comments>http://amoderngal.com/2012/04/15/simplified-record-keeping/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 15:33:52 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Simplicity]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=7021</guid>
		<description><![CDATA[Tax Day (April 17th this year) is a great time to review organizing and record keeping techniques and a great time to get re-energized for year-round good record keeping that will make all kinds of planning, budgeting, and tax filing much easier next year.  I find it useful to continually remind myself of this, since [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Coping with Rising Interest Rates</title>
		<link>http://amoderngal.com/2012/03/18/coping-with-rising-interest-rates/</link>
		<comments>http://amoderngal.com/2012/03/18/coping-with-rising-interest-rates/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 16:59:49 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6908</guid>
		<description><![CDATA[It seems that I&#8217;ve been lamenting low interest rates for a long time.  Interest rates, especially deposit and CD rates have been quite low for several years, eroding away returns from these holdings.  Last week, we saw for the first time, interest rates creeping up and breaking through some key technical levels.  While it is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Coping with $5 /gallon Gasoline</title>
		<link>http://amoderngal.com/2012/03/14/coping-with-5-gallon-gasoline/</link>
		<comments>http://amoderngal.com/2012/03/14/coping-with-5-gallon-gasoline/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 13:26:41 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Frugality]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6885</guid>
		<description><![CDATA[With the price of gasoline continuing to inch upward before the summer driving season, the prospect of $5/gallon for gasoline in parts of the country is certainly very plausible.  With prices at these higher sustained levels, it&#8217;s probably time to think about re-gearing your transport habits and possibly re-vamping many activities.  This is a bit [...]]]></description>
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		<slash:comments>9</slash:comments>
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		<title>Tax Tips for the Self Employed</title>
		<link>http://amoderngal.com/2012/02/26/tax-tips-for-the-self-employed/</link>
		<comments>http://amoderngal.com/2012/02/26/tax-tips-for-the-self-employed/#comments</comments>
		<pubDate>Sun, 26 Feb 2012 15:59:30 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Income]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6811</guid>
		<description><![CDATA[A few years ago, I would hire an accountant to do my taxes.  This started when I was in the corporate world and didn&#8217;t feel that I had the time to do my own taxes.  Then I discovered that managing my taxes was more effective by planning all-year round rather than a flurry of frantic [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Charitable Giving on a Budget</title>
		<link>http://amoderngal.com/2012/02/19/charitable-giving-on-a-budget/</link>
		<comments>http://amoderngal.com/2012/02/19/charitable-giving-on-a-budget/#comments</comments>
		<pubDate>Sun, 19 Feb 2012 14:58:06 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6785</guid>
		<description><![CDATA[My friend Ella asked if I had any thoughts regarding charitable giving while on a budget.  Ella&#8217;s husband is a graduate student and she works part-time meaning that the amount of cash they have doesn&#8217;t match their generosity.  Despite this, there are lots of things that Ella does to support groups and causes she believes [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Going Debt Free: the Credit Card Guide</title>
		<link>http://amoderngal.com/2012/02/16/going-debt-free-the-credit-card-guide/</link>
		<comments>http://amoderngal.com/2012/02/16/going-debt-free-the-credit-card-guide/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 20:20:51 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Guest Posts]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6760</guid>
		<description><![CDATA[&#160; This is a guest post Becoming debt free is something everyone with any type of debt wants to accomplish. From the start, it may seem like an impossible and intimidating prospect, but in fact, becoming debt free is easier than most people think; however, it is often a long and arduous process. However, the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Making Sense of Global Financial News</title>
		<link>http://amoderngal.com/2012/02/11/making-sense-of-global-financial-news/</link>
		<comments>http://amoderngal.com/2012/02/11/making-sense-of-global-financial-news/#comments</comments>
		<pubDate>Sat, 11 Feb 2012 20:44:42 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6753</guid>
		<description><![CDATA[These days, the news seems to be full of stories of the economic calumity in Europe, particularly Greece.  From reading the news, it seems as is things are highly volatile and could collapse at any time.  My friend Katherine was gently asking if I thought she should withdraw her money from all of her investments [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Do You Feel Downwardly Mobile?</title>
		<link>http://amoderngal.com/2012/02/05/do-you-feel-downwardly-mobile/</link>
		<comments>http://amoderngal.com/2012/02/05/do-you-feel-downwardly-mobile/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 15:49:27 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Simplicity]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6707</guid>
		<description><![CDATA[There&#8217;s been a flurry of census data released yesterday that appears fairly grim regarding a large swath of the American population.  With the job market very, very slowly improving and many people, especially new graduates and those over 50 years old, spending extended periods unemployed or underemployed, it appears many people are having to adjust [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Coping with Rising Food and Energy Prices</title>
		<link>http://amoderngal.com/2012/01/29/coping-with-rising-food-and-energy-prices/</link>
		<comments>http://amoderngal.com/2012/01/29/coping-with-rising-food-and-energy-prices/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 10:24:15 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Frugality]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6673</guid>
		<description><![CDATA[One of my acquaintances, Katherine, was asking how I plan and budget for rising prices.  She&#8217;s noticed (as have a lot of other people) that a lot of prices keep creeping up at the grocery store and the gas pump.  While some of the price rise might be seasonal, being prepared for inflation in these [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Saving and Dieting: the Winter Edition</title>
		<link>http://amoderngal.com/2012/01/22/saving-and-dieting-the-winter-edition/</link>
		<comments>http://amoderngal.com/2012/01/22/saving-and-dieting-the-winter-edition/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 12:31:07 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6632</guid>
		<description><![CDATA[I&#8217;ve commented before that saving and dieting (losing weight or if you prefer, losing fat), have a number of things in common.  For example, both tend to benefit from having a structured plan, sticking with it, and catching yourself before a major downfall.  Interestingly, I have several friends who were both in debt and a [...]]]></description>
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		<slash:comments>0</slash:comments>
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