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	<title>Saving Without A Budget &#187; Vices</title>
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		<title>Take it Easy on the Alcohol</title>
		<link>http://www.savingwithoutabudget.com/vices/take-it-easy-on-the-alcohol/</link>
		<comments>http://www.savingwithoutabudget.com/vices/take-it-easy-on-the-alcohol/#comments</comments>
		<pubDate>Sun, 01 Apr 2007 22:02:12 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Vices]]></category>

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		<description><![CDATA[


 A while back I wrote about how much money smokers could save (and gain) by simply giving up the cancer sticks.  At the time, I meant to continue with the &#8220;series&#8221; and talk about alcohol, but I got busy writing about other topics and just never got around to it.
So, I figured it was [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>The Top 10 Reasons Why You Aren&#8217;t Rich (Yet)</title>
		<link>http://www.savingwithoutabudget.com/vices/the-top-10-reasons-why-you-arent-rich-yet/</link>
		<comments>http://www.savingwithoutabudget.com/vices/the-top-10-reasons-why-you-arent-rich-yet/#comments</comments>
		<pubDate>Tue, 27 Mar 2007 01:38:23 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Vices]]></category>

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		<description><![CDATA[


 Because my life essentially revolves around finding interesting articles on the internet, I think I came across a pretty insightful article surrounding the reasons that most of us never become rich.
The article, written by Jeffrey Strain and published on TheStreet.com &#8211; a site dedicated to personal finance, but is mostly about stocks and mutual [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Analyze Your &#8220;Bad Habits&#8221; And Save Lots of Money</title>
		<link>http://www.savingwithoutabudget.com/vices/analyze-your-bad-habits-and-save-lots-of-money/</link>
		<comments>http://www.savingwithoutabudget.com/vices/analyze-your-bad-habits-and-save-lots-of-money/#comments</comments>
		<pubDate>Sat, 10 Feb 2007 21:57:29 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Vices]]></category>

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		<guid isPermaLink="false">http://www.savingwithoutabudget.com/vices/analyze-your-bad-habits-and-save-lots-of-money/</guid>
		<description><![CDATA[Despite the fact that we&#8217;re well into the new year, I&#8217;m sure all of us are keeping true to New Year&#8217;s Resolutions and are working extremely hard to kick our bad habits.  However, if you may have slipped a bit, hopefully this article will help find a financial reason to get back on track.
Our bad habits [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bankruptcies Drop to 10 Year Low</title>
		<link>http://www.savingwithoutabudget.com/miscellaneous/bankruptcies-drop-to-10-year-low/</link>
		<comments>http://www.savingwithoutabudget.com/miscellaneous/bankruptcies-drop-to-10-year-low/#comments</comments>
		<pubDate>Fri, 08 Dec 2006 02:32:29 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Miscellaneous]]></category>
		<category><![CDATA[Vices]]></category>

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		<description><![CDATA[Thanks in large part to much tougher laws and regulations, the number of people who filed bankruptcy in the past year has fallen by nearly 40% and now sits at a 10 year low.
According to the Administrative Office of the United States Courts, the number of individuals and businesses filing for bankruptcy protection fell from 1.78 [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Alcohol is the Most Expensive Vice</title>
		<link>http://www.savingwithoutabudget.com/vices/alcohol-is-the-most-expensive-vice/</link>
		<comments>http://www.savingwithoutabudget.com/vices/alcohol-is-the-most-expensive-vice/#comments</comments>
		<pubDate>Mon, 20 Nov 2006 01:19:04 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Vices]]></category>

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		<description><![CDATA[According to a recent poll on Saving Without A Budget, most people consider alcohol to be their most expensive vice.
Of the 53 people who voluntarily responded to the poll, 25% (13 respondents) said alcohol was the vice they spent the most amount of money on, while impulse buying came in second place with 23% (12 [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Credit Card Debt &#8211; Your Responsibility</title>
		<link>http://www.savingwithoutabudget.com/vices/credit-card-debt-your-responsibility/</link>
		<comments>http://www.savingwithoutabudget.com/vices/credit-card-debt-your-responsibility/#comments</comments>
		<pubDate>Sat, 16 Sep 2006 00:50:09 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Vices]]></category>

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		<guid isPermaLink="false">http://www.savingwithoutabudget.com/2006/09/15/show-some-restraint-and-think-before-you-buy/</guid>
		<description><![CDATA[The other day I was driving home from work and I heard an ad on the radio that nearly made me drive my car in to a ditch:
&#8220;Get back at credit card companies for making it impossible for you to get out of debt.&#8221;
Ads like this make me see red and infuriate me like few [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Brew Your Own Coffee</title>
		<link>http://www.savingwithoutabudget.com/food/brew-your-own-coffee/</link>
		<comments>http://www.savingwithoutabudget.com/food/brew-your-own-coffee/#comments</comments>
		<pubDate>Wed, 06 Sep 2006 03:13:18 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Food / Drinks]]></category>
		<category><![CDATA[Vices]]></category>

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		<guid isPermaLink="false">http://www.savingwithoutabudget.com/2006/09/05/brew-your-own-coffee/</guid>
		<description><![CDATA[If you&#8217;re like many of us working stiffs, you need a strong jolt of coffee each morning to get you through the morning commute and the first part of your day.  Unfortunately, far too many people are spending way too much money by stopping off at gourmet coffee shops when they could brew coffee that [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<item>
		<title>Give Up Smoking &#8211; Or Better Yet, Don&#8217;t Even Start</title>
		<link>http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/</link>
		<comments>http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/#comments</comments>
		<pubDate>Tue, 29 Aug 2006 01:28:34 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Health / Beauty]]></category>
		<category><![CDATA[Vices]]></category>

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		<guid isPermaLink="false">http://www.savingwithoutabudget.com/2006/08/28/give-up-smoking-or-better-yet-dont-even-start/</guid>
		<description><![CDATA[I&#8217;m not going to rehash all of the physical health benefits of quitting smoking.  I&#8217;m not going to remind you that smoking has been linked to an increased risk for heart disease, stroke, cancer and that the average smoker lives seven years less than a non-smoker.
(Oops, guess I just did.)
What I really want to show [...]]]></description>
		<wfw:commentRss>http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/feed/</wfw:commentRss>
		<slash:comments>22</slash:comments>
		</item>
		<item>
		<title>Stop Playing the Lotto</title>
		<link>http://www.savingwithoutabudget.com/vices/stop-playing-the-lotto/</link>
		<comments>http://www.savingwithoutabudget.com/vices/stop-playing-the-lotto/#comments</comments>
		<pubDate>Wed, 23 Aug 2006 01:43:44 +0000</pubDate>
		<dc:creator>Brian Carr</dc:creator>
				<category><![CDATA[Vices]]></category>

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		<guid isPermaLink="false">http://www.savingwithoutabudget.com/2006/08/22/stop-playing-the-lotto/</guid>
		<description><![CDATA[I&#8217;ll be the first to admit, when I hear that lottery jackpot is in the hundreds of millions of dollars, I daydream about what I would do with the money.  I&#8217;d probably invest a bunch, buy a mansion, get a bunch of nice cars, all that stuff.
Then, reality smacks me in the face!  Winning the [...]]]></description>
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		<slash:comments>4</slash:comments>
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