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	<title>Modern Gal &#187; Saving</title>
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	<link>http://amoderngal.com</link>
	<description>Healthy Living, without Breaking the Bank</description>
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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>
		</item>
		<item>
		<title>Is Your Bank Safe?</title>
		<link>http://amoderngal.com/2011/11/27/is-your-bank-safe/</link>
		<comments>http://amoderngal.com/2011/11/27/is-your-bank-safe/#comments</comments>
		<pubDate>Sun, 27 Nov 2011 20:12:14 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=6397</guid>
		<description><![CDATA[My friend Karen called with a worry on her mind.  With all of the news about country downgrades, insolvent banks, and possible debt defaults, how could she be confident that her bank is really safe.  I think this is a very reasonable question, and there are some ways to mitigate bank risk. &#8211;Know what is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Budgeting for Inflation</title>
		<link>http://amoderngal.com/2011/08/21/budgeting-for-inflation/</link>
		<comments>http://amoderngal.com/2011/08/21/budgeting-for-inflation/#comments</comments>
		<pubDate>Sun, 21 Aug 2011 19:20:30 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=5926</guid>
		<description><![CDATA[I have been working on a new budget for the rest of the year due to some changes that will be made regarding monthly expenses.  Interestingly, one of the most challenging things to budget for is a rate of inflation (price increases of many line items).  I&#8217;ve noticed that a number of typical budget issues [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beating the Winter Financial Blahs</title>
		<link>http://amoderngal.com/2011/02/13/beating-the-winter-financial-blahs/</link>
		<comments>http://amoderngal.com/2011/02/13/beating-the-winter-financial-blahs/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 19:42:02 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=4662</guid>
		<description><![CDATA[The middle of winter is a tough time for many people.  The days are still too short (in the Northern Hemisphere), for a lot of people snow or slushy rain prevails, and it&#8217;s often too cold to go out and go for a nice leisurely walk.  From a financial perspective, mid-February can be a challenging [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Are Your Assumptions of the Future Reasonable?</title>
		<link>http://amoderngal.com/2011/01/30/are-your-assumptions-of-the-future-reasonable/</link>
		<comments>http://amoderngal.com/2011/01/30/are-your-assumptions-of-the-future-reasonable/#comments</comments>
		<pubDate>Sun, 30 Jan 2011 19:30:19 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=4574</guid>
		<description><![CDATA[When I&#8217;m with my friends, we generally do not talk about retirement or retirement planning.  We might discuss travel destinations, IF we were to have time, money, and flexibility to go all at the same time, but discussions of future financial sustainability seem to be few and far between.  I was then surprised when one [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Stopping Chronic Money Drains</title>
		<link>http://amoderngal.com/2011/01/06/stopping-chronic-money-drains/</link>
		<comments>http://amoderngal.com/2011/01/06/stopping-chronic-money-drains/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 03:45:09 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=4423</guid>
		<description><![CDATA[Happy New Year everyone!  A fresh calendar year is a great time to implement new financial planning and organizational tips.  It&#8217;s also a great time to create a new budget for the year and to plot ways to increase savings, while maximizing value.  One of the major steps that I&#8217;ve taken in the last few [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Year-End Financial Tune Up</title>
		<link>http://amoderngal.com/2010/12/05/year-end-financial-tune-up/</link>
		<comments>http://amoderngal.com/2010/12/05/year-end-financial-tune-up/#comments</comments>
		<pubDate>Sun, 05 Dec 2010 18:18:01 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=4252</guid>
		<description><![CDATA[With the new year approaching, it&#8217;s a great time to undertake a number of personal finance moves to ensure that things are on track and you are progressing with respect to your long-term financial goals.  Here are some things that I do every December/January: &#8211;Prepare a budget for next year &#8212; many revenue and expense [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Taking Advantage of Savings Matches</title>
		<link>http://amoderngal.com/2010/10/21/taking-advantage-of-savings-matches/</link>
		<comments>http://amoderngal.com/2010/10/21/taking-advantage-of-savings-matches/#comments</comments>
		<pubDate>Fri, 22 Oct 2010 03:06:48 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=3996</guid>
		<description><![CDATA[Do you take full advantage of savings matches, volume discounts, and refunds? I was surprised to read that a large percentage of people forego their company match in their retirement funds.  Although the obvious reason is that they feel they need the money for monthly expenses, in the long-run, company matches on retirement savings is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>When the Emergency Fund is Depleted</title>
		<link>http://amoderngal.com/2010/10/10/when-the-emergency-fund-is-depleted/</link>
		<comments>http://amoderngal.com/2010/10/10/when-the-emergency-fund-is-depleted/#comments</comments>
		<pubDate>Sun, 10 Oct 2010 17:39:06 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=3886</guid>
		<description><![CDATA[I am sure many people have experienced anxiety when they dip into the emergency fund.  Recently, I had a meltdown with my computer, literally.  As in I plugged it in and there was a very large sound, then the smell of burning plastic, then, yup my computer was pushing up the daisies.  Since it was [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Piggybank Ideas</title>
		<link>http://amoderngal.com/2010/09/16/piggybank-ideas/</link>
		<comments>http://amoderngal.com/2010/09/16/piggybank-ideas/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 02:59:53 +0000</pubDate>
		<dc:creator>Elizabeth</dc:creator>
				<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://amoderngal.com/?p=3701</guid>
		<description><![CDATA[Do you keep a piggy bank? Did you keep one as a kid?  The concept of a piggy bank, a receptacle to save up small change so that it can fill and accumulate to a large amount used to be a favorite concept when I was young.  Saving small amounts of extra money is still [...]]]></description>
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		<slash:comments>0</slash:comments>
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