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	<title>Frugal Living &#124; Budgeting &#124;  Simple Living &#124; Debt Free &#124; Save Money &#187; Finance</title>
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	<link>http://www.frugallivingguide.com</link>
	<description>Information, Tips and Hints on Living Simply, Frugally and Debt Free</description>
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	<language>en</language>
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			<item>
		<title>Finance: Always be frugal</title>
		<link>http://www.frugallivingguide.com/finance-always-be-frugal/</link>
		<comments>http://www.frugallivingguide.com/finance-always-be-frugal/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 16:19:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Always]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[frugal]]></category>

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		<description><![CDATA[[eba kw="be frugal" num="1" ebcat=""] AllBusiness Exclusive: A profile of Hot Studio, a San Francisco-based design company. See more videos and how-to business information at allbusiness.com Frugal Living Guide Finance: Always be frugal Tags: Finance, frugal, Always<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/finance-always-be-frugal/">Finance: Always be frugal</a></p>
]]></description>
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<p>[eba kw="be <a href="http://www.frugallivingguide.com/tag/frugal/" rel="tag" >frugal</a>" num="1" ebcat=""]<br />
AllBusiness Exclusive: A profile of Hot Studio, a San Francisco-based design company. See more videos and how-to business information at allbusiness.com</p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/finance-always-be-frugal/">Finance: Always be frugal</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/always/' rel='tag'>Always</A>,  <A href='http://www.frugallivingguide.com/tag/frugal/' rel='tag'>frugal</A>,  <A href='http://www.frugallivingguide.com/tag/finance/' rel='tag'>Finance</A>  <BR/>

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		<item>
		<title>Budgeting And Finance Auctions&#8211;</title>
		<link>http://www.frugallivingguide.com/budgeting-and-finance-auctions-2/</link>
		<comments>http://www.frugallivingguide.com/budgeting-and-finance-auctions-2/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:52:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auctions]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Some related auctions: [eba kw="budgeting and finance" num="6" ebcat="all"] Frugal Living Guide Budgeting And Finance Auctions&#8211; Tags: Finance, Budgeting, Auctions<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/budgeting-and-finance-auctions-2/">Budgeting And Finance Auctions&#8211;</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Some related <a href="http://www.frugallivingguide.com/tag/auctions/" rel="tag" >auctions</a>:<br />
[eba kw="<a href="http://www.frugallivingguide.com/tag/budgeting/" rel="tag" >budgeting</a> and <a href="http://www.frugallivingguide.com/tag/finance/" rel="tag" >finance</a>" num="6" ebcat="all"]</p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/budgeting-and-finance-auctions-2/">Budgeting And Finance Auctions&#8211;</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/auctions/' rel='tag'>Auctions</A>,  <A href='http://www.frugallivingguide.com/tag/budgeting/' rel='tag'>Budgeting</A>,  <A href='http://www.frugallivingguide.com/tag/finance/' rel='tag'>Finance</A>  <BR/>

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		</item>
		<item>
		<title>Budgeting And Finance Auctions&#8211;</title>
		<link>http://www.frugallivingguide.com/budgeting-and-finance-auctions/</link>
		<comments>http://www.frugallivingguide.com/budgeting-and-finance-auctions/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:51:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auctions]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Finance]]></category>

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		<description><![CDATA[Some related auctions: [eba kw="budgeting and finance" num="6" ebcat="all"] Frugal Living Guide Budgeting And Finance Auctions&#8211; Tags: Budgeting, Auctions, Finance<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/budgeting-and-finance-auctions/">Budgeting And Finance Auctions&#8211;</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Some related <a href="http://www.frugallivingguide.com/tag/auctions/" rel="tag" >auctions</a>:<br />
[eba kw="<a href="http://www.frugallivingguide.com/tag/budgeting/" rel="tag" >budgeting</a> and <a href="http://www.frugallivingguide.com/tag/finance/" rel="tag" >finance</a>" num="6" ebcat="all"]</p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/budgeting-and-finance-auctions/">Budgeting And Finance Auctions&#8211;</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/finance/' rel='tag'>Finance</A>,  <A href='http://www.frugallivingguide.com/tag/budgeting/' rel='tag'>Budgeting</A>,  <A href='http://www.frugallivingguide.com/tag/auctions/' rel='tag'>Auctions</A>  <BR/>

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		<item>
		<title>Personal Finance with Financial Planning Software</title>
		<link>http://www.frugallivingguide.com/personal-finance-with-financial-planning-software/</link>
		<comments>http://www.frugallivingguide.com/personal-finance-with-financial-planning-software/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:50:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[personal]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[software]]></category>

		<guid isPermaLink="false">http://frugallivingguide.com/personal-finance-with-financial-planning-software/</guid>
		<description><![CDATA[Product DescriptionMadura’s hands-on, practical approach and financial plan-based organization–its six-part structure mirrors the six steps of financial planning–ensures students learn to make sound financial decisions and leave the course with their own ready-to-implement financial plans. The Third Edition’s enhanced interactive format features integrated Internet resources and a new in-text financial planning workbook to make sure [...]<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/personal-finance-with-financial-planning-software/">Personal Finance with Financial Planning Software</a></p>
]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.amazon.com/Personal-Finance-Financial-Planning-Software/dp/0321409965%3FSubscriptionId%3DAKIAIF4NSRUNW77ZP4EQ%26tag%3Dbabboosouoff-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0321409965" rel="nofollow"><img style="float:left;margin: 0 20px 10px 0;" src="http://ecx.images-amazon.com/images/I/41Z5mvxKqTL._SL160_.jpg" title="41Z5mvxKqTL. SL160  photo" alt="41Z5mvxKqTL. SL160  Personal Finance with Financial Planning Software" /></a></p>
<p>Product DescriptionMadura’s hands-on, practical approach and <a href="http://www.frugallivingguide.com/tag/financial/" rel="tag" >financial</a> plan-based organization–its six-part structure mirrors the six steps of <a href="http://www.frugallivingguide.com/tag/financial/" rel="tag" >financial</a> <a href="http://www.frugallivingguide.com/tag/planning/" rel="tag" >planning</a>–ensures students learn to make sound <a href="http://www.frugallivingguide.com/tag/financial/" rel="tag" >financial</a> decisions and leave the course with their own ready-to-implement <a href="http://www.frugallivingguide.com/tag/financial/" rel="tag" >financial</a> plans.  The Third Edition’s enhanced interactive format features integrated Internet resources and a new in-text <a href="http://www.frugallivingguide.com/tag/financial/" rel="tag" >financial</a> <a href="http://www.frugallivingguide.com/tag/planning/" rel="tag" >planning</a> workbook to make sure students get more for their money. </p>
<p><a href="http://www.amazon.com/Personal-Finance-Financial-Planning-Software/dp/0321409965%3FSubscriptionId%3DAKIAIF4NSRUNW77ZP4EQ%26tag%3Dbabboosouoff-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0321409965" title="Personal Finance with Financial Planning Software " rel="nofollow"><b><a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >Personal</a> <a href="http://www.frugallivingguide.com/tag/finance/" rel="tag" >Finance</a> with <a href="http://www.frugallivingguide.com/tag/financial/" rel="tag" >Financial</a> <a href="http://www.frugallivingguide.com/tag/planning/" rel="tag" >Planning</a> <a href="http://www.frugallivingguide.com/tag/software/" rel="tag" >Software</a> </b></a></p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/personal-finance-with-financial-planning-software/">Personal Finance with Financial Planning Software</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/financial/' rel='tag'>Financial</A>,  <A href='http://www.frugallivingguide.com/tag/personal/' rel='tag'>personal</A>,  <A href='http://www.frugallivingguide.com/tag/planning/' rel='tag'>Planning</A>,  <A href='http://www.frugallivingguide.com/tag/software/' rel='tag'>software</A>,  <A href='http://www.frugallivingguide.com/tag/finance/' rel='tag'>Finance</A>  <BR/>

]]></content:encoded>
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		</item>
		<item>
		<title>How to Budget Personal Finances : Online Resources for Personal Finance Budgeting</title>
		<link>http://www.frugallivingguide.com/how-to-budget-personal-finances-online-resources-for-personal-finance-budgeting/</link>
		<comments>http://www.frugallivingguide.com/how-to-budget-personal-finances-online-resources-for-personal-finance-budgeting/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:50:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Online]]></category>
		<category><![CDATA[personal]]></category>
		<category><![CDATA[Resources]]></category>

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		<description><![CDATA[[eba kw="personal finance budgeting" num="1" ebcat=""] Professional budget advice you can&#8217;t miss! Learn about online resources to help maintain your budget &#038; track your expenses and personal finances in this free online video tutorial. Expert: Alfred Loughmiller Bio: Alfred Loughmiller studies Multimedia Communications at Utah Valley State University, and has worked a number of years [...]<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/how-to-budget-personal-finances-online-resources-for-personal-finance-budgeting/">How to Budget Personal Finances : Online Resources for Personal Finance Budgeting</a></p>
]]></description>
			<content:encoded><![CDATA[<p>					<object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/THwvtVdeqTw?fs=1"></param><param name="allowFullScreen" value="true"></param>
					<embed src="http://www.youtube.com/v/THwvtVdeqTw?fs=1" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object></p>
<p>[eba kw="<a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/finance/" rel="tag" >finance</a> <a href="http://www.frugallivingguide.com/tag/budgeting/" rel="tag" >budgeting</a>" num="1" ebcat=""]<br />
Professional <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> advice you can&#8217;t miss! Learn about <a href="http://www.frugallivingguide.com/tag/online/" rel="tag" >online</a> resources to help maintain your <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> &#038; track your expenses and <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/finances/" rel="tag" >finances</a> in this free <a href="http://www.frugallivingguide.com/tag/online/" rel="tag" >online</a> video tutorial. Expert: Alfred Loughmiller Bio: Alfred Loughmiller studies Multimedia Communications at Utah Valley State University, and has worked a number of years in advertising and television production. Filmmaker: Danny Loughmiller</p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/how-to-budget-personal-finances-online-resources-for-personal-finance-budgeting/">How to Budget Personal Finances : Online Resources for Personal Finance Budgeting</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/personal/' rel='tag'>personal</A>,  <A href='http://www.frugallivingguide.com/tag/resources/' rel='tag'>Resources</A>,  <A href='http://www.frugallivingguide.com/tag/finances/' rel='tag'>Finances</A>  <BR/>

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		<item>
		<title>Personal Finance Budgeting Auctions&#8211;</title>
		<link>http://www.frugallivingguide.com/personal-finance-budgeting-auctions/</link>
		<comments>http://www.frugallivingguide.com/personal-finance-budgeting-auctions/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:50:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Auctions]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[personal]]></category>

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		<description><![CDATA[Some related auctions: [eba kw="personal finance budgeting" num="6" ebcat="all"] Frugal Living Guide Personal Finance Budgeting Auctions&#8211; Tags: personal, Budgeting, Auctions, Finance<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/personal-finance-budgeting-auctions/">Personal Finance Budgeting Auctions&#8211;</a></p>
]]></description>
			<content:encoded><![CDATA[<p>Some related <a href="http://www.frugallivingguide.com/tag/auctions/" rel="tag" >auctions</a>:<br />
[eba kw="<a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/finance/" rel="tag" >finance</a> <a href="http://www.frugallivingguide.com/tag/budgeting/" rel="tag" >budgeting</a>" num="6" ebcat="all"]</p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/personal-finance-budgeting-auctions/">Personal Finance Budgeting Auctions&#8211;</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/auctions/' rel='tag'>Auctions</A>,  <A href='http://www.frugallivingguide.com/tag/personal/' rel='tag'>personal</A>,  <A href='http://www.frugallivingguide.com/tag/budgeting/' rel='tag'>Budgeting</A>,  <A href='http://www.frugallivingguide.com/tag/finance/' rel='tag'>Finance</A>  <BR/>

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		<item>
		<title>Financial Planning, Finance Software &#8211; Online Money Management, Personal Budget Software &#8211; Mint.com_1228771555353</title>
		<link>http://www.frugallivingguide.com/financial-planning-finance-software-online-money-management-personal-budget-software-mint-com_1228771555353/</link>
		<comments>http://www.frugallivingguide.com/financial-planning-finance-software-online-money-management-personal-budget-software-mint-com_1228771555353/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:47:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Management]]></category>
		<category><![CDATA[Mint.com_1228771555353]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Online]]></category>
		<category><![CDATA[personal]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[software]]></category>

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		<description><![CDATA[Image taken on 2008-12-08 17:40:53 Frugal Living Guide Financial Planning, Finance Software &#8211; Online Money Management, Personal Budget Software &#8211; Mint.com_1228771555353 Tags: Money, personal, Mint.com_1228771555353, Budget, Finance, software<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/financial-planning-finance-software-online-money-management-personal-budget-software-mint-com_1228771555353/">Financial Planning, Finance Software &#8211; Online Money Management, Personal Budget Software &#8211; Mint.com_1228771555353</a></p>
]]></description>
			<content:encoded><![CDATA[<p><img alt="3093061727 e3ff051bf9 Financial Planning, Finance Software   Online Money Management, Personal Budget Software   Mint.com 1228771555353" src="http://farm4.static.flickr.com/3263/3093061727_e3ff051bf9.jpg" width="400" title="3093061727 e3ff051bf9 photo" /><br/><br />
Image taken on 2008-12-08 17:40:53 </p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/financial-planning-finance-software-online-money-management-personal-budget-software-mint-com_1228771555353/">Financial Planning, Finance Software &#8211; Online Money Management, Personal Budget Software &#8211; Mint.com_1228771555353</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/online/' rel='tag'>Online</A>,  <A href='http://www.frugallivingguide.com/tag/software/' rel='tag'>software</A>,  <A href='http://www.frugallivingguide.com/tag/management/' rel='tag'>Management</A>,  <A href='http://www.frugallivingguide.com/tag/money/' rel='tag'>Money</A>  <BR/>

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		<title>Finance: Capital Budgeting</title>
		<link>http://www.frugallivingguide.com/finance-capital-budgeting/</link>
		<comments>http://www.frugallivingguide.com/finance-capital-budgeting/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:46:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Capital]]></category>
		<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://frugallivingguide.com/finance-capital-budgeting/</guid>
		<description><![CDATA[[eba kw="capital budgeting" num="1" ebcat=""] Where do you apply all of the financial concepts you&#8217;ve learned? Learn how Capital Budgeting is important for the financial future of a business. Frugal Living Guide Finance: Capital Budgeting Tags: Finance, Capital, Budgeting<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/finance-capital-budgeting/">Finance: Capital Budgeting</a></p>
]]></description>
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					<embed src="http://www.youtube.com/v/DdEfZ2f5IZU?fs=1" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object></p>
<p>[eba kw="<a href="http://www.frugallivingguide.com/tag/capital/" rel="tag" >capital</a> <a href="http://www.frugallivingguide.com/tag/budgeting/" rel="tag" >budgeting</a>" num="1" ebcat=""]<br />
Where do you apply all of the financial concepts you&#8217;ve learned? Learn how <a href="http://www.frugallivingguide.com/tag/capital/" rel="tag" >Capital</a> <a href="http://www.frugallivingguide.com/tag/budgeting/" rel="tag" >Budgeting</a> is important for the financial future of a business.</p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/finance-capital-budgeting/">Finance: Capital Budgeting</a></p>


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		<title>Financial Planner &amp; Budget Planner &#8211; Personal Finance Awards &amp; Recognition &#8211; Mint.com_1228771889712</title>
		<link>http://www.frugallivingguide.com/financial-planner-budget-planner-personal-finance-awards-recognition-mint-com_1228771889712/</link>
		<comments>http://www.frugallivingguide.com/financial-planner-budget-planner-personal-finance-awards-recognition-mint-com_1228771889712/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:46:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[awards]]></category>
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		<description><![CDATA[Image taken on 2008-12-08 17:43:18 Frugal Living Guide Financial Planner &#38; Budget Planner &#8211; Personal Finance Awards &#38; Recognition &#8211; Mint.com_1228771889712 Tags: Planner, awards, Mint.com_1228771889712, Recognition<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/financial-planner-budget-planner-personal-finance-awards-recognition-mint-com_1228771889712/">Financial Planner &amp; Budget Planner &#8211; Personal Finance Awards &amp; Recognition &#8211; Mint.com_1228771889712</a></p>
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			<content:encoded><![CDATA[<p><img alt="3093067699 4a20caebdb Financial Planner &amp; Budget Planner   Personal Finance Awards &amp; Recognition   Mint.com 1228771889712" src="http://farm4.static.flickr.com/3074/3093067699_4a20caebdb.jpg" width="400" title="3093067699 4a20caebdb photo" /><br/><br />
Image taken on 2008-12-08 17:43:18 </p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/financial-planner-budget-planner-personal-finance-awards-recognition-mint-com_1228771889712/">Financial Planner &amp; Budget Planner &#8211; Personal Finance Awards &amp; Recognition &#8211; Mint.com_1228771889712</a></p>


Tags:  <A href='http://www.frugallivingguide.com/tag/personal/' rel='tag'>personal</A>,  <A href='http://www.frugallivingguide.com/tag/recognition/' rel='tag'>Recognition</A>,  <A href='http://www.frugallivingguide.com/tag/budget/' rel='tag'>Budget</A>,  <A href='http://www.frugallivingguide.com/tag/mint-com_1228771889712/' rel='tag'>Mint.com_1228771889712</A>,  <A href='http://www.frugallivingguide.com/tag/awards/' rel='tag'>awards</A>  <BR/>

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		<title>Personal Finance Budget Planner</title>
		<link>http://www.frugallivingguide.com/personal-finance-budget-planner/</link>
		<comments>http://www.frugallivingguide.com/personal-finance-budget-planner/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 20:46:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budget]]></category>
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		<description><![CDATA[how many times you ask yourself where all my money gone? you know no matter how much money you earn you might find yourself in debts. and this due to spending without control. some people have a filling that they have unlimited supply of money in the bank just passing the credit card and you [...]<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/personal-finance-budget-planner/">Personal Finance Budget Planner</a></p>
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			<content:encoded><![CDATA[<p>how many times you ask yourself where all my money gone? you know no matter how much money you earn you might find yourself in debts.  and this due to spending without control.  some people have a filling that they have unlimited supply of money in the bank just passing the credit card and you can buy everything you like.  but one day you came to a point where you understand that something has to be done with your <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> planning. &#13;</p>
<p>i have seen all kind of <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> planners.  i thought maybe the <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> will somehow give me more money in the pocket.  well i guess not.  The bottom line is, a paper <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> will work as well as a fancy computerized one.  It isn&#8217;t about how the <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> looks, its about using it.  And for most people, it is something we don&#8217;t really like to do either with <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> or without it. &#13;</p>
<p>so it seems like i must live according to my <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a>.  and if i know my <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a>, i can tell what i need to change in my money spending.  a <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> can track my immediate monetary sources and can help me achieve my financial goals. &#13;</p>
<p>For me, the problem wasn&#8217;t the <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> that I used.  it has no problems with it.  i thought that my problem used to be that I simply did not use the <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> enough.  years ago I was making a lot of money working full time job I was living above my means.  But my means were so great that, use of my <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> was not really necessary.  but as now i retired and receive only pension allowance.  i know that my problem was not that I wasn&#8217;t making good use of my <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a>.  &#13;</p>
<p>I felt like I was broke, and always some bill or other payments hanging over me and disturbing my sleep, and I was in some kind of deep trouble.  It took me a while to realize that my problems had nothing to do with the <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a>.  My problems had a lot to do with me making very little money, however.  It was then that I knew that I needed to take a second job to really balance my <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a>.  After a lot of looking, I found a job that pays the bills.  i found a part time job with less salary, Now, even when I do neglect my <a href="http://www.frugallivingguide.com/tag/personal/" rel="tag" >personal</a> <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a> for a week or so, it is okay.  You see, I still have some money in my <a href="http://www.frugallivingguide.com/tag/budget/" rel="tag" >budget</a> to plan! </p>
<p>[eba kw="budgeting <a href="http://www.frugallivingguide.com/tag/planner/" rel="tag" >planner</a>" num="1" ebcat=""]</p>
<p><A HREF="http://www.frugallivingguide.com">Frugal Living Guide</A> <a href="http://www.frugallivingguide.com/personal-finance-budget-planner/">Personal Finance Budget Planner</a></p>


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