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	<title>Comments for Saving Without A Budget</title>
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	<link>http://www.savingwithoutabudget.com</link>
	<description>Saving Lots of Money Is Easy.  I'll Show You How.</description>
	<lastBuildDate>Wed, 20 Jan 2010 20:01:02 -0700</lastBuildDate>
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		<title>Comment on FHA Making it More Expensive to Get a Mortgage by Why the new FHA regulations are a step in the right direction. &#171; Economics Info</title>
		<link>http://www.savingwithoutabudget.com/around-the-house/fha-making-it-more-expensive-to-get-a-mortgage/comment-page-1/#comment-65260</link>
		<dc:creator>Why the new FHA regulations are a step in the right direction. &#171; Economics Info</dc:creator>
		<pubDate>Wed, 20 Jan 2010 20:01:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/?p=195#comment-65260</guid>
		<description>[...] Source [...]</description>
		<content:encoded><![CDATA[<p>[...] Source [...]</p>
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		<title>Comment on The Recession &#8211; Short Term Pain, Long Term Gain? by James Duffy</title>
		<link>http://www.savingwithoutabudget.com/news/the-recession-short-term-pain-long-term-gain/comment-page-1/#comment-64125</link>
		<dc:creator>James Duffy</dc:creator>
		<pubDate>Fri, 27 Nov 2009 12:37:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/news/the-recession-short-term-pain-long-term-gain/#comment-64125</guid>
		<description>Hi I cant find your contact form. I was wondering how much advertising would cost on your site?

Kind Regards,
James Duffy</description>
		<content:encoded><![CDATA[<p>Hi I cant find your contact form. I was wondering how much advertising would cost on your site?</p>
<p>Kind Regards,<br />
James Duffy</p>
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		<title>Comment on Wake Up!  The Fed Is Not Going to Cut Rates by Wake Up! The Fed Is Not Going to Cut Rates &#124; Classified Ads</title>
		<link>http://www.savingwithoutabudget.com/news/wake-up-the-fed-is-not-going-to-cut-rates/comment-page-1/#comment-63332</link>
		<dc:creator>Wake Up! The Fed Is Not Going to Cut Rates &#124; Classified Ads</dc:creator>
		<pubDate>Tue, 13 Oct 2009 18:32:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/news/wake-up-the-fed-is-not-going-to-cut-rates/#comment-63332</guid>
		<description>[...] more here: Wake Up! The Fed Is Not Going to Cut Rates VN:F [1.7.0_948]please wait...Rating: 0.0/10 (0 votes cast)VN:F [1.7.0_948]Rating: 0 (from 0 votes) [...]</description>
		<content:encoded><![CDATA[<p>[...] more here: Wake Up! The Fed Is Not Going to Cut Rates VN:F [1.7.0_948]please wait&#8230;Rating: 0.0/10 (0 votes cast)VN:F [1.7.0_948]Rating: 0 (from 0 votes) [...]</p>
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		<title>Comment on Higher Food Prices May End Up Being A Blessing In Disguise by Higher Food Prices May End Up Being A Blessing In Disguise &#124; Classified Ads</title>
		<link>http://www.savingwithoutabudget.com/food/higher-food-prices-may-end-up-being-a-blessing-in-disguise/comment-page-1/#comment-63331</link>
		<dc:creator>Higher Food Prices May End Up Being A Blessing In Disguise &#124; Classified Ads</dc:creator>
		<pubDate>Tue, 13 Oct 2009 18:32:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/food/higher-food-prices-may-end-up-being-a-blessing-in-disguise/#comment-63331</guid>
		<description>[...] post: Higher Food Prices May End Up Being A Blessing In Disguise VN:F [1.7.0_948]please wait...Rating: 0.0/10 (0 votes cast)VN:F [1.7.0_948]Rating: 0 (from 0 votes) [...]</description>
		<content:encoded><![CDATA[<p>[...] post: Higher Food Prices May End Up Being A Blessing In Disguise VN:F [1.7.0_948]please wait&#8230;Rating: 0.0/10 (0 votes cast)VN:F [1.7.0_948]Rating: 0 (from 0 votes) [...]</p>
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		<title>Comment on I.O.U.S.A. Movie Review by I.O.U.S.A. Movie Review &#124; Classified Ads</title>
		<link>http://www.savingwithoutabudget.com/entertainment/iousa-movie-review/comment-page-1/#comment-63330</link>
		<dc:creator>I.O.U.S.A. Movie Review &#124; Classified Ads</dc:creator>
		<pubDate>Tue, 13 Oct 2009 18:32:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/?p=142#comment-63330</guid>
		<description>[...] the original post: I.O.U.S.A. Movie Review VN:F [1.7.0_948]please wait...Rating: 0.0/10 (0 votes cast)VN:F [1.7.0_948]Rating: 0 (from 0 votes) [...]</description>
		<content:encoded><![CDATA[<p>[...] the original post: I.O.U.S.A. Movie Review VN:F [1.7.0_948]please wait&#8230;Rating: 0.0/10 (0 votes cast)VN:F [1.7.0_948]Rating: 0 (from 0 votes) [...]</p>
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		<title>Comment on The Easiest AND Hardest Way to Save Lots of Money by Jeff</title>
		<link>http://www.savingwithoutabudget.com/bargain-hunting/the-easiest-and-hardest-way-to-save-lots-of-money/comment-page-1/#comment-63227</link>
		<dc:creator>Jeff</dc:creator>
		<pubDate>Fri, 09 Oct 2009 16:38:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/bargain-hunting/the-easiest-and-hardest-way-to-save-lots-of-money/#comment-63227</guid>
		<description>My 3 criteria for Needs vs Wants is:
Is this purchase Necessary? - Basically be honest with yourself - why are you buying it?  
Is this purchase Urgent? - Is there a reason I can&#039;t wait until next month to buy this?  
Is this purchase the best value for my money I can find? - Quality vs price, sales, cheaper alternatives, etc.

I don&#039;t let my decision making process keep me from blowing money on stupid stuff that&#039;s fun, but at least if I go into a purchase aware that it&#039;s something I want rather than need, it keeps me from making as many want purchases as often.  That, and all want purchases MUST be in cash, and can&#039;t be made until ALL of the credit cards are paid off and the bills for the month are paid.</description>
		<content:encoded><![CDATA[<p>My 3 criteria for Needs vs Wants is:<br />
Is this purchase Necessary? &#8211; Basically be honest with yourself &#8211; why are you buying it?<br />
Is this purchase Urgent? &#8211; Is there a reason I can&#8217;t wait until next month to buy this?<br />
Is this purchase the best value for my money I can find? &#8211; Quality vs price, sales, cheaper alternatives, etc.</p>
<p>I don&#8217;t let my decision making process keep me from blowing money on stupid stuff that&#8217;s fun, but at least if I go into a purchase aware that it&#8217;s something I want rather than need, it keeps me from making as many want purchases as often.  That, and all want purchases MUST be in cash, and can&#8217;t be made until ALL of the credit cards are paid off and the bills for the month are paid.</p>
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		<title>Comment on Give Up Smoking &#8211; Or Better Yet, Don&#8217;t Even Start by neanyBomo</title>
		<link>http://www.savingwithoutabudget.com/health-beauty/give-up-smoking-or-better-yet-dont-even-start/comment-page-1/#comment-63041</link>
		<dc:creator>neanyBomo</dc:creator>
		<pubDate>Sun, 27 Sep 2009 11:53:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/2006/08/28/give-up-smoking-or-better-yet-dont-even-start/#comment-63041</guid>
		<description>Thank you for great post!</description>
		<content:encoded><![CDATA[<p>Thank you for great post!</p>
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		<title>Comment on Bring Your Lunch to Work by Callie</title>
		<link>http://www.savingwithoutabudget.com/food/bring-your-lunch-to-work/comment-page-1/#comment-61917</link>
		<dc:creator>Callie</dc:creator>
		<pubDate>Mon, 10 Aug 2009 18:23:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/2006/09/22/bring-your-lunch-to-work/#comment-61917</guid>
		<description>Awesome post -- I passed it along to my readers!  We crunched some numbers and compared it to yours.  You can see what we came up with here:

http://yellowzip.com/blog/?p=154

Thanks again, keep up the great content!

Callie</description>
		<content:encoded><![CDATA[<p>Awesome post &#8212; I passed it along to my readers!  We crunched some numbers and compared it to yours.  You can see what we came up with here:</p>
<p><a href="http://yellowzip.com/blog/?p=154" rel="nofollow">http://yellowzip.com/blog/?p=154</a></p>
<p>Thanks again, keep up the great content!</p>
<p>Callie</p>
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		<title>Comment on Bring Your Lunch to Work by YellowZIP - Shop, Connect and Save! &#187; Blog Archive Registered Users</title>
		<link>http://www.savingwithoutabudget.com/food/bring-your-lunch-to-work/comment-page-1/#comment-61916</link>
		<dc:creator>YellowZIP - Shop, Connect and Save! &#187; Blog Archive Registered Users</dc:creator>
		<pubDate>Mon, 10 Aug 2009 18:20:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/2006/09/22/bring-your-lunch-to-work/#comment-61916</guid>
		<description>[...] You’ve probably heard it before: You can save money by bringing your lunch to work instead of eating out. But you may not realize exactly how much money you can save. Luckily, the experts at the website Saving Without a Budget have done the number-crunching for you. (Read the full article here) [...]</description>
		<content:encoded><![CDATA[<p>[...] You’ve probably heard it before: You can save money by bringing your lunch to work instead of eating out. But you may not realize exactly how much money you can save. Luckily, the experts at the website Saving Without a Budget have done the number-crunching for you. (Read the full article here) [...]</p>
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		<title>Comment on 90% of People Believe Personal Finance Should be Taught in School by Jameel</title>
		<link>http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/comment-page-1/#comment-61320</link>
		<dc:creator>Jameel</dc:creator>
		<pubDate>Thu, 16 Jul 2009 20:12:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingwithoutabudget.com/miscellaneous/90-of-people-believe-personal-finance-should-be-taught-in-school/#comment-61320</guid>
		<description>Many parents don&#039;t know anything about on-line banking, automatic deduction, debit cards.  No one teaches how to stay organized so bills get paid.  Don&#039;t put this on the parents.  When I teach kids, the teachers and parents are in the back asking all the questions.</description>
		<content:encoded><![CDATA[<p>Many parents don&#8217;t know anything about on-line banking, automatic deduction, debit cards.  No one teaches how to stay organized so bills get paid.  Don&#8217;t put this on the parents.  When I teach kids, the teachers and parents are in the back asking all the questions.</p>
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