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	<title>The Personal Finance Program</title>
	<link>http://www.thepersonalfinanceprogram.com</link>
	<description>Tips to Create and Stick to a Budget and Live a Frugal Life</description>
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		<title>More New Stuff I&#8217;ve Written for the Amazon Kindle</title>
		<description><![CDATA[So, it looks like I&#8217;ve been bitten by the Amazon Kindle bug.  Although, it&#8217;s not buying books for the Kindle that I&#8217;m addicted to, it&#8217;s writing them! As of last night, I&#8217;ve now published five personal finance books to the Kindle, with the two latest being 5 Money Lessons I Learned from My Blue Collar [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/budgeting/more-new-stuff-ive-written-for-the-amazon-kindle/</link>
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		<title>The Frugal Christmas Gift Guide</title>
		<description><![CDATA[Without a doubt, the holidays can be one of the most stressful times of the year. It seems you’ve got one family gathering after another, you’re busy trying to get your decorations up, and you’re stressed about getting gifts for everyone without blowing your budget. While I can’t help with the first two problems – [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/miscellaneous/the-frugal-christmas-gift-guide/</link>
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		<title>How to Make a Budget and Save More Money!</title>
		<description><![CDATA[I know things have been quiet on The Personal Finance Program lately, and I apologize. That being said, I have a legit reason – I’m now a published author! Over the past month, I’ve been working to get my ebook How to Make a Budget: Simple Budget Techniques and Ways to Save Money up on [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/clothing/how-to-make-a-budget-and-save-more-money/</link>
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		<title>Energy saving tips for your household</title>
		<description><![CDATA[    Are you struggling to manage your finances during this never-ending recession? Are your energy bills just too high for you to even bear thinking about? Well, you can save a few dollars, maybe even a few hundred dollars, per year with these energy saving tips. Without doubt, the best thing you can do [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/utilities/energy-saving-tips-for-your-household/</link>
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		<title>Saving money on renovating your house</title>
		<description><![CDATA[In the middle of a seemingly never-ending recession, saving money wherever it is possible is at the top of the list in most households across the country. All the necessary expenditures come first, like mortgage payments, auto insurance, building insurance and groceries, but when it comes to renovating your house, money can be frustratingly scarce. [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/budgeting/saving-money-on-renovating-your-house/</link>
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		<title>Budget your socks off and rid the burden of the unknown!</title>
		<description><![CDATA[I believe it was Benjamin Franklin who wisely told us, “Failing to prepare is preparing to fail.” He’s right – and what’s more, Mr Franklin’s little mantra is appropriate for any of life’s situations – including, of course, your finances. The best way to prepare for financial stability is to make sure you plan ahead, [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/budgeting/budget-your-socks-off-and-rid-the-burden-of-the-unknown/</link>
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		<title>Start Saving on Insurance Today</title>
		<description><![CDATA[Insurance – be it for the car, the home or travel – is a substantial drain on the financial resources of many Americans year in, year out. The constant cycle of having to pay and renew on a continual basis to get covered can be hugely frustrating and expensive. If this sounds familiar to you [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/investing/start-saving-on-insurance-today/</link>
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		<title>How to Get a Personal Loan</title>
		<description><![CDATA[Since the recession and banking crisis of 2008, almost all news about getting financing has been discouraging. People with above average credit ratings are unable to get loans to buy homes, and businesses complain they are unable to grow because banks are so stringent in how much they will lend to them. Tight lending requirements [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/budgeting/how-to-get-a-personal-loan/</link>
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		<title>Unemployment Rises &#8211; June Jobs Report Disappoints</title>
		<description><![CDATA[Despite hope that the job market was on the verge of turning the corner, June employment data left a whole lot to be desired with only 18,000 jobs added for the month.  This came in much lower than what economists were expecting, and was even lower than May&#8217;s paltry 25,000 jobs added. And with this, [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/economic-news/unemployment-rises-june-jobs-report-disappoints/</link>
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		<title>Housing Prices – Not Going Up Anytime Soon</title>
		<description><![CDATA[Even though housing prices have fallen nation-wide by nearly 1/3rd over the past five years and affordability is at record highs thanks to historically low interest rates, most economists feel we have yet to hit the point where home prices are ready to appreciate. According to an article on CNN Money we can still expect [...]]]></description>
		<link>http://www.thepersonalfinanceprogram.com/economic-news/housing-prices-%e2%80%93-not-going-up-anytime-soon/</link>
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