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	<title>Saving Without A Budget &#187; Around The House</title>
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	<description>Saving Lots of Money Is Easy.  I'll Show You How.</description>
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		<title>FHA Making it More Expensive to Get a Mortgage</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/fha-making-it-more-expensive-to-get-a-mortgage/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/fha-making-it-more-expensive-to-get-a-mortgage/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 19:10:55 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
		<br />
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		<category><![CDATA[Around The House]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[down payment]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[recovery]]></category>

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		<description><![CDATA[


 In what may be yet another blow to the housing market – don’t fool yourselves, kids, the housing market isn’t currently rebounding, nor will it start its rebound any time soon – starting tomorrow, the Federal Housing Administration (FHA) will make it more expensive and harder to get a loan through them.
Don’t get me wrong, [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>If You Need to Refinance, The Sooner You Do It, The Better</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/if-you-need-to-refinance-the-sooner-you-do-it-the-better/#comments</comments>
		<pubDate>Sun, 06 Jan 2008 23:46:33 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>

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		<description><![CDATA[


 Many Americans who have adjustable rate mortgages (ARMs) are facing the harsh reality that when their mortgage rate resets, they will have a higher monthly payment on a property that will likely be valued less than what it is today.
Unfortunately, some of these home owners with ARMs are too far upside down in the [...]]]></description>
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		<slash:comments>7</slash:comments>
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		<title>When Do You Think Housing Will Rebound?</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/when-do-you-think-housing-will-rebound/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/when-do-you-think-housing-will-rebound/#comments</comments>
		<pubDate>Wed, 10 Oct 2007 00:47:14 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[News]]></category>

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		<description><![CDATA[With the United States is stuck in the worst housing slump since the Great Depression, it&#8217;s easy to see why most of the national media and many of us have bought into the &#8220;Chicken Little&#8221; (aka &#8220;the sky is falling&#8221;) mentality.
Prices of new and existing homes continue to fall, the inventory of unsold homes continues [...]]]></description>
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		<slash:comments>8</slash:comments>
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		<title>The Second Great Depression or a Blip on the Radar?</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/the-second-great-depression-or-a-blip-on-the-radar/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/the-second-great-depression-or-a-blip-on-the-radar/#comments</comments>
		<pubDate>Tue, 28 Aug 2007 23:27:07 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>

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		<description><![CDATA[Depending on who you ask, the &#8220;crisis&#8221; surrounding the United States housing market is likely to go one of two ways: 1) the decline in the price of homes, and the subsequent drying up of the housing ATM is going to lead the country into the second Great Depression; or 2) yes, home prices will [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>The Flipside of my Argument Against a Housing Rally</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/the-flipside-of-my-argument-against-a-housing-rally/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/the-flipside-of-my-argument-against-a-housing-rally/#comments</comments>
		<pubDate>Thu, 16 Aug 2007 23:10:55 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
		<category><![CDATA[Investing]]></category>

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		<description><![CDATA[Okay, so I sat down and thought more about what I wrote yesterday.  After some careful consideration, I still think the housing market is in for some trouble, but I think that the light at the end of the tunnel might actually be closer than what I initially thought.
First off, I think it&#8217;s important [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Home Sales Fall to Five Year Low &#8211; When Will it End?</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/home-sales-fall-to-five-year-low-when-will-it-end/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/home-sales-fall-to-five-year-low-when-will-it-end/#comments</comments>
		<pubDate>Thu, 16 Aug 2007 01:06:05 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
		<category><![CDATA[Investing]]></category>

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		<description><![CDATA[As a recent home buyer, it pains me to no end to write the article.  At the same time, it pains me ever more to hear people say, &#8220;don&#8217;t worry, the home prices will bounce back soon,&#8221; when speaking about the currently woeful housing market.
I hate to be the bearer of bad news, but [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>3 Ways to Save Money and Energy</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/3-ways-to-save-money-and-energy/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/3-ways-to-save-money-and-energy/#comments</comments>
		<pubDate>Tue, 26 Jun 2007 01:59:40 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
		<category><![CDATA[Utilities]]></category>

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		<description><![CDATA[One of the things that I&#8217;ve been trying to read more about is simple ways that I can reduce the amount of energy that I use around my house.  With all the talk of trying to become more environmentally aware, I wanted to make sure that I was &#8220;doing my part&#8221; in an effort [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Do a Little Spring Cleaning</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/do-a-little-spring-cleaning/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/do-a-little-spring-cleaning/#comments</comments>
		<pubDate>Wed, 09 May 2007 23:37:49 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>

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		<description><![CDATA[While today&#8217;s topic really isn&#8217;t too much about saving money &#8211; although it might help you make a couple of bucks &#8211; it&#8217;ll help you declutter your home and make your living space much more presentable.
If you&#8217;re anything like me, you&#8217;ve got tons and tons of stuff around your house that you don&#8217;t use, don&#8217;t [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Where Were These Financial Pundits When Housing Was Booming?</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/where-were-these-financial-pundits-when-housing-was-booming/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/where-were-these-financial-pundits-when-housing-was-booming/#comments</comments>
		<pubDate>Wed, 11 Apr 2007 00:38:45 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>
		<category><![CDATA[Investing]]></category>

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		<description><![CDATA[Thanks to the recent down turn in the housing market and the increase in mortgage defaults, it seems like the popular thing for personal finance gurus to write about is how we all should have seen this coming or what you should look for if you&#8217;re shopping for a mortgage.
Don&#8217;t get me wrong, I don&#8217;t think these [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Do You Know What Type of Mortgage You Have?</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/do-you-know-what-type-of-mortgage-you-have/</link>
		<comments>http://www.savingwithoutabudget.com/around-the-house/do-you-know-what-type-of-mortgage-you-have/#comments</comments>
		<pubDate>Wed, 28 Mar 2007 02:22:19 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Around The House]]></category>

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		<description><![CDATA[If you&#8217;re someone who is fiscally responsible and has to make sure that every I is dotted and every T is crossed, this post is going to make your blood boil.  If you&#8217;re someone who has no idea about your finances, this post will hopefully be a wake up call.
According to an article published on [...]]]></description>
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