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	<title>Modern Gal &#187; Personal Development</title>
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	<description>Healthy Living, without Breaking the Bank</description>
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		<title>Have You Become More Financially Risk Averse</title>
		<link>http://amoderngal.com/2010/06/27/have-you-become-more-financially-risk-averse/</link>
		<comments>http://amoderngal.com/2010/06/27/have-you-become-more-financially-risk-averse/#comments</comments>
		<pubDate>Sun, 27 Jun 2010 18:33:59 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Personal Development]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=3104</guid>
		<description><![CDATA[I met up with Ben a former classmate I hadn&#8217;t seen in many years recently. Ben looks very much the same, he hasn&#8217;t gained  a lot of weight and in fact looks better than many of our classmates where the last decade seems to have aged them.  Back in school, Ben was one of the [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Are You a Spending Addict?</title>
		<link>http://amoderngal.com/2010/06/20/are-you-a-spending-addict/</link>
		<comments>http://amoderngal.com/2010/06/20/are-you-a-spending-addict/#comments</comments>
		<pubDate>Sun, 20 Jun 2010 17:56:57 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=3056</guid>
		<description><![CDATA[I have been reading a lot about food addiction lately, and of course, there are many parallels between over-eating and over-spending.  [See my previous posts on why saving is like dieting and why does spending make us feel good] Clearly, with so many people intending to lose weight and not being able to maintain it, [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2010/06/20/are-you-a-spending-addict/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Preventing a Binge Spending Cascade</title>
		<link>http://amoderngal.com/2010/06/06/preventing-a-binge-spending-cascade/</link>
		<comments>http://amoderngal.com/2010/06/06/preventing-a-binge-spending-cascade/#comments</comments>
		<pubDate>Sun, 06 Jun 2010 17:53:29 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2976</guid>
		<description><![CDATA[I just spent the weekend on the phone with my friend Katherine.  She is in okay financial shape (no huge piles of credit card debt, understands needs to save for retirement, etc&#8230;), but seems to be plagued by spending binges. The real problem is that she will see something she really wants (like a new [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2010/06/06/preventing-a-binge-spending-cascade/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Does Spending Make Us Feel Good?</title>
		<link>http://amoderngal.com/2010/04/04/why-does-spending-make-us-feel-good/</link>
		<comments>http://amoderngal.com/2010/04/04/why-does-spending-make-us-feel-good/#comments</comments>
		<pubDate>Sun, 04 Apr 2010 19:32:05 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal Development]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2627</guid>
		<description><![CDATA[By now, most of the readers of personal financial blogs have the basics of how to manage their financial affairs better.  Save more than you earn, automatically set money aside for retirement or other investment goals, have an emergency fund, etc&#8230;  However, one of the areas that I am intrigued about that is little discussed [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2010/04/04/why-does-spending-make-us-feel-good/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
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		<title>An Exit Plan</title>
		<link>http://amoderngal.com/2010/03/28/an-exit-plan/</link>
		<comments>http://amoderngal.com/2010/03/28/an-exit-plan/#comments</comments>
		<pubDate>Sun, 28 Mar 2010 17:57:42 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Personal Development]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2599</guid>
		<description><![CDATA[Of all the career and finance related questions that I get, the most frequently asked question comes from people wanting to know how they should quit the job they hate.  For many people, the questions are when? how? is it okay? will I be able to survive without a job?  When I made the plunge [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2010/03/28/an-exit-plan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Fear of Spending</title>
		<link>http://amoderngal.com/2010/03/21/fear-of-spending/</link>
		<comments>http://amoderngal.com/2010/03/21/fear-of-spending/#comments</comments>
		<pubDate>Sun, 21 Mar 2010 19:36:07 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Personal Development]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2568</guid>
		<description><![CDATA[I have noticed an interesting phenomenon that occurs in the past couple of years.  After learning about simpler, frugal living and practicing it, I find that I have a fear of spending. This fear manifests itself in several ways: near paralysis when contemplating a new (necessary) large expenditure, angst when I take money out of [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2010/03/21/fear-of-spending/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Learning New Skills</title>
		<link>http://amoderngal.com/2010/03/07/learning-new-skills/</link>
		<comments>http://amoderngal.com/2010/03/07/learning-new-skills/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 18:09:43 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Feed your mind]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal Development]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2520</guid>
		<description><![CDATA[Last week in the discussion on building financial resilience, I mentioned the importance of learning alternative skills.  In an environment of uncertainty, one of the best protections anyone can have against becoming obsolete, is to have a diversity of skills.  I am aware that this is much easier said than done.  In today&#8217;s world, people [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Building Financial Resilience</title>
		<link>http://amoderngal.com/2010/02/28/building-financial-resilience/</link>
		<comments>http://amoderngal.com/2010/02/28/building-financial-resilience/#comments</comments>
		<pubDate>Sun, 28 Feb 2010 18:41:40 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2489</guid>
		<description><![CDATA[I have been reading an interesting treatise entitled &#8220;The Collapse Gap&#8221; by Dimitry Orlov.  Although I think Orlov&#8217;s main premise, or an impending collapse of the United States, is too pessimistic, I think he makes some sound points analyzing systemic weakness in the financial system.  In particular, in a drive toward efficiency (and high profits) [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2010/02/28/building-financial-resilience/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Financial Advice for Thirtysomethings</title>
		<link>http://amoderngal.com/2010/02/04/financial-advice-for-thirtysomethings/</link>
		<comments>http://amoderngal.com/2010/02/04/financial-advice-for-thirtysomethings/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 16:11:55 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Career]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Personal Development]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2417</guid>
		<description><![CDATA[My colleague Debbie, who is in her mid-twenties, has decided postponed graduate school for a year.  Part of her concern is accumulating even more debt from graduate school to accompany her already high undergraduate debt.  In chatting with her, another colleague Jeanine was curious about what financial and life I might have for her. Jeanine [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2010/02/04/financial-advice-for-thirtysomethings/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Confessing Financial Sins</title>
		<link>http://amoderngal.com/2009/12/20/confessing-financial-sins/</link>
		<comments>http://amoderngal.com/2009/12/20/confessing-financial-sins/#comments</comments>
		<pubDate>Sun, 20 Dec 2009 18:40:23 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal Development]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=2230</guid>
		<description><![CDATA[I often do not disclose to people that in my past life, I was an investment professional.  Similar to a Physician, I find that this information leads people to ask for quick and dirty (and free) advice about their own personal situation which makes me uncomfortable.  My friends who are doctors seemed to be used [...]]]></description>
		<wfw:commentRss>http://amoderngal.com/2009/12/20/confessing-financial-sins/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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