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	<title>Youngdough.com &#187; Money Management</title>
	<link>http://youngdough.com</link>
	<description>a college kid's journey to financial freedom...</description>
	<pubDate>Thu, 03 Jul 2008 22:21:01 +0000</pubDate>
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		<title>My Miserly Summer Ways</title>
		<link>http://youngdough.com/2008/06/23/my-miserly-summer-ways/</link>
		<comments>http://youngdough.com/2008/06/23/my-miserly-summer-ways/#comments</comments>
		<pubDate>Mon, 23 Jun 2008 21:21:54 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

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

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

		<guid isPermaLink="false">http://youngdough.com/2008/06/23/my-miserly-summer-ways/</guid>
		<description><![CDATA[With a huge tuition bill looming for my sophomore year at Simpson and high gas prices burning a much larger hole in my pocket than ever before, I&#8217;m being extremely frugal with my money this summer.  I&#8217;m trying to stash away as much as I can for this upcoming school year, both for tuition [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2008/06/23/my-miserly-summer-ways/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Defining Your Savings Goals</title>
		<link>http://youngdough.com/2008/05/22/defining-your-savings-goals/</link>
		<comments>http://youngdough.com/2008/05/22/defining-your-savings-goals/#comments</comments>
		<pubDate>Thu, 22 May 2008 23:40:30 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

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

		<category><![CDATA[Self Discipline]]></category>

		<category><![CDATA[Savings Goals]]></category>

		<guid isPermaLink="false">http://youngdough.com/2008/05/22/defining-your-savings-goals/</guid>
		<description><![CDATA[In my mind, making an effort to save is only half the battle.  An equally important skill is the ability to identify your saving objectives.  Rather than having one lump-sum savings account, I believe we should keep our money in different places for separate purposes.  Just as all long-term goals need short-term benchmarks to measure [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2008/05/22/defining-your-savings-goals/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What Are You Doing With Your Economic Stimulus Check?</title>
		<link>http://youngdough.com/2008/05/04/what-are-you-doing-with-your-economic-stimulus-check/</link>
		<comments>http://youngdough.com/2008/05/04/what-are-you-doing-with-your-economic-stimulus-check/#comments</comments>
		<pubDate>Mon, 05 May 2008 02:38:23 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

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

		<category><![CDATA[Economic Stimulus]]></category>

		<guid isPermaLink="false">http://youngdough.com/2008/05/04/what-are-you-doing-with-your-economic-stimulus-check/</guid>
		<description><![CDATA[This last week, the first checks began hitting the mail as part of Dubya&#8217;s economic stimulus passage.  Washington can&#8217;t wait for this money to hit our pockets so that we can spend like the consuming Americans we are and hopefully turn the struggling economy around.  While this is what they would love for us to [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2008/05/04/what-are-you-doing-with-your-economic-stimulus-check/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A New Take on the Personal Budget: Reverse Budgeting</title>
		<link>http://youngdough.com/2008/02/21/a-new-take-on-the-personal-budget-reverse-budgeting/</link>
		<comments>http://youngdough.com/2008/02/21/a-new-take-on-the-personal-budget-reverse-budgeting/#comments</comments>
		<pubDate>Thu, 21 Feb 2008 20:51:53 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

		<guid isPermaLink="false">http://youngdough.com/2008/02/21/a-new-take-on-the-personal-budget-reverse-budgeting/</guid>
		<description><![CDATA[I came across the topic of reverse budgeting via www.fivecentnickel.com, and it is an interesting twist on the common way to manage income.  The premise is simple: instead of allocating every dollar of our income to specific categories, we determine exactly how much of it we want to save.  After that, anything is fair game.
&#160;
My [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2008/02/21/a-new-take-on-the-personal-budget-reverse-budgeting/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Easy and Painless Way to Boost Savings: Save Those Windfalls</title>
		<link>http://youngdough.com/2008/02/11/easy-and-painless-way-to-boost-savings-save-those-windfalls/</link>
		<comments>http://youngdough.com/2008/02/11/easy-and-painless-way-to-boost-savings-save-those-windfalls/#comments</comments>
		<pubDate>Mon, 11 Feb 2008 22:39:02 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

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

		<guid isPermaLink="false">http://youngdough.com/2008/02/11/easy-and-painless-way-to-boost-savings-save-those-windfalls/</guid>
		<description><![CDATA[With the recent announcement of the US economic stimulus plan, millions of Americans will receive a one-time rebate check from the government.  While congress would love for us to spend every dime of it and pump some cash into the economy, that&#8217;s probably not the best personal finance decision.  
&#160;
There&#8217;s absolutely no reason why you [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2008/02/11/easy-and-painless-way-to-boost-savings-save-those-windfalls/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Auto Insurance: Full Coverage or Liability Only?</title>
		<link>http://youngdough.com/2008/02/03/auto-insurance-full-coverage-or-liability-only/</link>
		<comments>http://youngdough.com/2008/02/03/auto-insurance-full-coverage-or-liability-only/#comments</comments>
		<pubDate>Sun, 03 Feb 2008 17:18:47 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

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

		<guid isPermaLink="false">http://youngdough.com/2008/02/03/auto-insurance-full-coverage-or-liability-only/</guid>
		<description><![CDATA[This post idea came to me from Kacie over at www.sensetosave.com.  As most young people don&#8217;t have much in the way of income, we aren&#8217;t rolling around in brand-spankin&#8217; new wheels.  This brings us to an interesting choice when it comes to insurance on our ride.  Should we have full coverage on [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2008/02/03/auto-insurance-full-coverage-or-liability-only/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Piggy Banks Aren&#8217;t Just be for Kids</title>
		<link>http://youngdough.com/2007/12/19/piggy-banks-arent-just-be-for-kids/</link>
		<comments>http://youngdough.com/2007/12/19/piggy-banks-arent-just-be-for-kids/#comments</comments>
		<pubDate>Wed, 19 Dec 2007 21:28:44 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

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

		<guid isPermaLink="false">http://youngdough.com/?p=19</guid>
		<description><![CDATA[I have a bit of an obsession with my piggy bank.  It&#8217;s one of those big ones that you see with the sports teams logos (Iowa State Cyclones for me).  Right now it’s a little over half full, and weighs in at 34 pounds.  I love getting change and throwing it in my piggy bank.  [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2007/12/19/piggy-banks-arent-just-be-for-kids/feed/</wfw:commentRss>
		</item>
		<item>
		<title>A Basic, Flexible Budget That Works</title>
		<link>http://youngdough.com/2007/10/17/a-basic-flexible-budget-that-works/</link>
		<comments>http://youngdough.com/2007/10/17/a-basic-flexible-budget-that-works/#comments</comments>
		<pubDate>Wed, 17 Oct 2007 22:02:40 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[College Finance]]></category>

		<category><![CDATA[Money Management]]></category>

		<guid isPermaLink="false">http://youngdough.com/?p=11</guid>
		<description><![CDATA[    OK, so you&#8217;ve got some steady income coming in.  That&#8217;s great, but what should you do with that money?   How should you use it to your greatest advantage?  You need to institute a budget that allows you to pay the bills, put some money away, and still have some fun.  You don&#8217;t want a [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2007/10/17/a-basic-flexible-budget-that-works/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Online Banking</title>
		<link>http://youngdough.com/2007/10/10/online-banking/</link>
		<comments>http://youngdough.com/2007/10/10/online-banking/#comments</comments>
		<pubDate>Thu, 11 Oct 2007 03:08:11 +0000</pubDate>
		<dc:creator>shultice24</dc:creator>
		
		<category><![CDATA[Money Management]]></category>

		<guid isPermaLink="false">http://youngdough.com/?p=10</guid>
		<description><![CDATA[    One of the first things you should do to gain some control of your financial situation is sign up for online banking if you have not already done so.   It is extremely easy to do, and has so many benefits that I don&#8217;t know  how I could function without it.  
&#160;
    Online banking allows [...]]]></description>
		<wfw:commentRss>http://youngdough.com/2007/10/10/online-banking/feed/</wfw:commentRss>
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