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	<title>$martMoney</title>
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	<link>http://smartmoney.welcomeinn.ca</link>
	<description>money management tips from savingsPLAN</description>
	<pubDate>Wed, 11 Feb 2009 19:17:11 +0000</pubDate>
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		<title>Now is the winter of our DEBTcontent…</title>
		<link>http://smartmoney.welcomeinn.ca/2009/02/now-is-the-winter-of-our-debtcontent%e2%80%a6/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/02/now-is-the-winter-of-our-debtcontent%e2%80%a6/#comments</comments>
		<pubDate>Wed, 11 Feb 2009 19:17:11 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[debt]]></category>

		<category><![CDATA[dave ramsey]]></category>

		<category><![CDATA[debt avalanche]]></category>

		<category><![CDATA[debt elimination]]></category>

		<category><![CDATA[debt reduction]]></category>

		<category><![CDATA[debt snowball]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=130</guid>
		<description><![CDATA[  
You’ve got to love a bad Shakespeare reference.  Or, not.
I’m fascinated by how people talk about paying down debt – some refer to it as “debt reduction,” and others use language like, “debt eradication,” or “debt elimination.”
Personally, as mindsets go, I’m with that second group. To me, debt reduction is something that you’re [...]]]></description>
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		<item>
		<title>Debt, debt, and more debt: part 3</title>
		<link>http://smartmoney.welcomeinn.ca/2009/02/debt-debt-and-more-debt-part-3/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/02/debt-debt-and-more-debt-part-3/#comments</comments>
		<pubDate>Thu, 05 Feb 2009 04:42:57 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[debt]]></category>

		<category><![CDATA[bankruptcy]]></category>

		<category><![CDATA[consumer proposal]]></category>

		<category><![CDATA[credit counselling]]></category>

		<category><![CDATA[debt management plan]]></category>

		<category><![CDATA[getting out of debt]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=118</guid>
		<description><![CDATA[
 

Get out! (of debt, that is)

Q: Now that I’m in debt, how do I get out of it/fix it/reduce it/ stop the harassing calls/etc. etc.?

A: Getting out of debt literally means reducing your debt to zero, and keeping it there (no surprises there, I’m sure). There are several ways that this can happen. (Note: [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2009/02/debt-debt-and-more-debt-part-3/feed/</wfw:commentRss>
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		<item>
		<title>Debt, debt, and more debt: part 2</title>
		<link>http://smartmoney.welcomeinn.ca/2009/01/debt-debt-and-more-debt-part-2/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/01/debt-debt-and-more-debt-part-2/#comments</comments>
		<pubDate>Fri, 30 Jan 2009 15:57:31 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[assets]]></category>

		<category><![CDATA[credit]]></category>

		<category><![CDATA[critical consumerism]]></category>

		<category><![CDATA[debt]]></category>

		<category><![CDATA[consumerism]]></category>

		<category><![CDATA[martin-lewis]]></category>

		<category><![CDATA[overspending]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=108</guid>
		<description><![CDATA[
[…continued from January 29th’s post…]

As we have done (and will do) regularly around here, we are coming back to the real key to financial bliss, and ultimately, to using debt wisely: being a conscious consumer.

This is where Martin Lewis really hits the nail on the head, I think: the root of the problem of massive, [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2009/01/debt-debt-and-more-debt-part-2/feed/</wfw:commentRss>
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		<item>
		<title>Debt, Debt, and More Debt: part 1</title>
		<link>http://smartmoney.welcomeinn.ca/2009/01/debt-debt-and-more-debt-part-1/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/01/debt-debt-and-more-debt-part-1/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 06:46:09 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[assets]]></category>

		<category><![CDATA[credit]]></category>

		<category><![CDATA[critical consumerism]]></category>

		<category><![CDATA[debt]]></category>

		<category><![CDATA[martin-lewis]]></category>

		<category><![CDATA[overspending]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=63</guid>
		<description><![CDATA[ 



Q: Why do we get into debt?
A: We overspend.
No, really. It’s that simple.  The real question is, ‘why do we overspend?’ And that answer is, perhaps, a bit less simple.
I admit it: I have a crush on Martin Lewis. He’s a British blogger, and self-proclaimed “saving expert,” and his analysis of people’s collapse into [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2009/01/debt-debt-and-more-debt-part-1/feed/</wfw:commentRss>
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		<item>
		<title>Are you a bargain bar-goon?</title>
		<link>http://smartmoney.welcomeinn.ca/2009/01/bargain-bar-goon/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/01/bargain-bar-goon/#comments</comments>
		<pubDate>Thu, 22 Jan 2009 17:48:26 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[budgeting]]></category>

		<category><![CDATA[critical consumerism]]></category>

		<category><![CDATA[financial realism]]></category>

		<category><![CDATA[want vs. need]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=55</guid>
		<description><![CDATA[
Q: When is a bargain not a bargain?

A: When you are buying something you don’t need just because it’s on sale.
 
We all know this. Just like we all know that advertising, sales, and “bargains” are designed to make us forget this simple fact. And, boy, do we forget it.

I am (distantly, thankfully) related to [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2009/01/bargain-bar-goon/feed/</wfw:commentRss>
		</item>
		<item>
		<title>budgeting 101</title>
		<link>http://smartmoney.welcomeinn.ca/2009/01/budgeting-101/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/01/budgeting-101/#comments</comments>
		<pubDate>Thu, 15 Jan 2009 13:45:36 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[budgeting]]></category>

		<category><![CDATA[conscious spending decisions]]></category>

		<category><![CDATA[financial realism]]></category>

		<category><![CDATA[money reality check]]></category>

		<category><![CDATA[want vs. need]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=38</guid>
		<description><![CDATA[
Budgeting is discussed ad nauseum on personal and business finance blogs. It seems as though everyone has a method for guaranteed success. Why? Because budgeting is like saving – most of us are aware that it is something that we “should” do. But, far fewer people do it well.

Making a budget is simple; making a [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2009/01/budgeting-101/feed/</wfw:commentRss>
		</item>
		<item>
		<title>The keys to money management success: living below and after your means</title>
		<link>http://smartmoney.welcomeinn.ca/2009/01/the-keys-to-money-management-success-living-below-and-after-your-means/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/01/the-keys-to-money-management-success-living-below-and-after-your-means/#comments</comments>
		<pubDate>Thu, 08 Jan 2009 12:00:03 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[budgeting]]></category>

		<category><![CDATA[credit]]></category>

		<category><![CDATA[debt]]></category>

		<category><![CDATA[buffer]]></category>

		<category><![CDATA[living after your means]]></category>

		<category><![CDATA[Mecham]]></category>

		<category><![CDATA[YNAB]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=21</guid>
		<description><![CDATA[Most people know that living below your means &#8212; spending less than you make &#8212; is an important part of balancing the household budget. But, another great strategy is to live after your means: don’t spend money that isn’t already in your hands.
For example, suppose you are paid on the 1st and 15th of the [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2009/01/the-keys-to-money-management-success-living-below-and-after-your-means/feed/</wfw:commentRss>
		</item>
		<item>
		<title>2009: the year of the dollar</title>
		<link>http://smartmoney.welcomeinn.ca/2009/01/2009-the-year-of-the-dollar/</link>
		<comments>http://smartmoney.welcomeinn.ca/2009/01/2009-the-year-of-the-dollar/#comments</comments>
		<pubDate>Thu, 01 Jan 2009 16:00:24 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[budgeting]]></category>

		<category><![CDATA[debt]]></category>

		<category><![CDATA[building a better relationship with money]]></category>

		<category><![CDATA[talking about money]]></category>

		<category><![CDATA[thinking about money]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=45</guid>
		<description><![CDATA[
Happy  New Year!
2009 has arrived, for many, in a whirl of post-holiday debt, and anxiety about the economy. This is virtually guaranteed to add fuel to the New Year’s Resolution fire, as people attempt to deal with the possibility of job loss, and recession.

What’s your New Year’s Resolution? If you’re like many of us, at [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2009/01/2009-the-year-of-the-dollar/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Welcome to $mart Money</title>
		<link>http://smartmoney.welcomeinn.ca/2008/12/welcome-to-mart-money/</link>
		<comments>http://smartmoney.welcomeinn.ca/2008/12/welcome-to-mart-money/#comments</comments>
		<pubDate>Mon, 08 Dec 2008 13:51:26 +0000</pubDate>
		<dc:creator>Kerry</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://smartmoney.welcomeinn.ca/?p=3</guid>
		<description><![CDATA[$martMoney is a financial literacy/money management blog that has grown out of the discussions and resources we use for savingsPLAN, a matched savings program (or, individual development account) that provides an asset-based approach to poverty reduction in Hamilton, Ontario, Canada.
This blog provides article-length tips, hacks, and information about personal finance (mostly), some of which are [...]]]></description>
		<wfw:commentRss>http://smartmoney.welcomeinn.ca/2008/12/welcome-to-mart-money/feed/</wfw:commentRss>
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