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	<title>Personal Finance 101 &#187; Personal Finance</title>
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	<link>http://www.personal-finance101.com</link>
	<description>Increasing Your Wealth, One Day at a Time.</description>
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		<title>Getting a Credit Card: What to Look Out For?</title>
		<link>http://www.personal-finance101.com/2011/09/28/getting-a-credit-card-what-to-look-out-for/</link>
		<comments>http://www.personal-finance101.com/2011/09/28/getting-a-credit-card-what-to-look-out-for/#comments</comments>
		<pubDate>Tue, 27 Sep 2011 16:01:10 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=186</guid>
		<description><![CDATA[My father used to tell me that credit card debt is the single most potent killer of any financial success you can ever dream of having. With interest rates in the region of 18~24% on outstanding balances, its no surprise why banks make it so easy for you get a card that is beyond what [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Best Savings Account in Australia</title>
		<link>http://www.personal-finance101.com/2011/09/21/best-savings-account-in-australia/</link>
		<comments>http://www.personal-finance101.com/2011/09/21/best-savings-account-in-australia/#comments</comments>
		<pubDate>Tue, 20 Sep 2011 16:01:51 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[financial success]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=183</guid>
		<description><![CDATA[Being new in Australia, I opened up an account with a local bank at the advise of my company. However, after being in this country  for some time now, I realised that many other banks are offering better interest rates than my bank. At the time of writing, these are some of the banks and [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How Do I Get a Free Credit Check in Australia?</title>
		<link>http://www.personal-finance101.com/2011/09/15/how-do-i-get-a-free-credit-check-in-australia/</link>
		<comments>http://www.personal-finance101.com/2011/09/15/how-do-i-get-a-free-credit-check-in-australia/#comments</comments>
		<pubDate>Thu, 15 Sep 2011 14:05:37 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=179</guid>
		<description><![CDATA[If you&#8217;re living in Australia, you would have known by now that banks and other institutions might do a credit check on you before they decide to offer you their services. Also, if you intend to buy a car or a house, having a good credit report allows the financial institution to lend you money [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Salary Packaging</title>
		<link>http://www.personal-finance101.com/2011/05/04/salary-packaging/</link>
		<comments>http://www.personal-finance101.com/2011/05/04/salary-packaging/#comments</comments>
		<pubDate>Tue, 03 May 2011 16:01:07 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Income Tax]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[australia]]></category>
		<category><![CDATA[malaysia]]></category>
		<category><![CDATA[salary packaging]]></category>
		<category><![CDATA[uk]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=163</guid>
		<description><![CDATA[Check and see if your country allows salary packaging. I know Australia allows for it while Malaysia doesnt. Salary packaging is buying or leasing an asset with pre-tax dollars. That is when your salary arrives at the end of the money, you can use it to buy certain things or make certain payments before the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Time Management</title>
		<link>http://www.personal-finance101.com/2011/04/30/time-management-2/</link>
		<comments>http://www.personal-finance101.com/2011/04/30/time-management-2/#comments</comments>
		<pubDate>Fri, 29 Apr 2011 16:45:52 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.personal-finance101.com/?p=159</guid>
		<description><![CDATA[This is another of Randy Pausch&#8217;s talk on time management. Every second counts when you know you&#8217;re dying&#8230; If the one-hour video is too long for you, or if you prefer to read what he wrote, check out his book, The Last Lecture]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Track Your Expense This Week</title>
		<link>http://www.personal-finance101.com/2011/02/13/track-your-expense-this-week/</link>
		<comments>http://www.personal-finance101.com/2011/02/13/track-your-expense-this-week/#comments</comments>
		<pubDate>Sun, 13 Feb 2011 13:17:43 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[android]]></category>
		<category><![CDATA[daily expense]]></category>
		<category><![CDATA[iphone]]></category>

		<guid isPermaLink="false">http://personal-finance101.com/?p=132</guid>
		<description><![CDATA[For this week, just this week, track your expenses. If you&#8217;re using an Android phone, download a Daily Expense software. The Apple iPhone should have something similar. Use this app. Your phone is always with you. There is no risk of forgetting what you&#8217;ve spent at the end of the day. Whenever you spend something, [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
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		<title>Maximize Your Money &#8211; III</title>
		<link>http://www.personal-finance101.com/2010/03/16/maximize-your-money-iii/</link>
		<comments>http://www.personal-finance101.com/2010/03/16/maximize-your-money-iii/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 16:01:12 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://personal-finance101.com/?p=127</guid>
		<description><![CDATA[1. Go for quality This will sound contrary to saving money but buying quality products will save you in the long run. Instead of opting for cheap items that require replacement every 2 years, go for quality items that will last for atleast 10 years. While it may cost slightly more during the initial purchase, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>10 More Ways to Save Money</title>
		<link>http://www.personal-finance101.com/2009/10/25/10-more-ways-to-save-money-2/</link>
		<comments>http://www.personal-finance101.com/2009/10/25/10-more-ways-to-save-money-2/#comments</comments>
		<pubDate>Sat, 24 Oct 2009 16:01:16 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[energy saving bulb]]></category>
		<category><![CDATA[household management]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://personal-finance101.com/?p=65</guid>
		<description><![CDATA[Here are 10 more ways to save some money. I am not suggesting being a miser, but learn to be frugal. 1. Give personal gifts rather than splurging on an expensive gift. A handwritten card can mean a lot more than an expensive camera. 2.  Entertain wisely, rather than expensively. A quiet dinner at home [...]]]></description>
		<wfw:commentRss>http://www.personal-finance101.com/2009/10/25/10-more-ways-to-save-money-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 More Ways to Save Money</title>
		<link>http://www.personal-finance101.com/2009/10/21/10-more-ways-to-save-money/</link>
		<comments>http://www.personal-finance101.com/2009/10/21/10-more-ways-to-save-money/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 16:01:47 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://personal-finance101.com/?p=59</guid>
		<description><![CDATA[1. Never go to the grocery when you&#8217;re hungry. You will always end up buying more than you&#8217;ve budgeted for, and more often than not, buy things you dont need. Get something light to eat before going to the super market. 2.  Buy items on Sale or during off season. For example, buy a winter [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Buckets for the Future</title>
		<link>http://www.personal-finance101.com/2009/10/19/your-buckets-for-the-future/</link>
		<comments>http://www.personal-finance101.com/2009/10/19/your-buckets-for-the-future/#comments</comments>
		<pubDate>Sun, 18 Oct 2009 16:01:45 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bucket]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[financial planning]]></category>

		<guid isPermaLink="false">http://personal-finance101.com/?p=62</guid>
		<description><![CDATA[Saving every single cent to pay off all your debts isnt really a good thing in the long run. Do you really want to spend the next 10 years diligently paying of your credit card bills and others, wihtout going out for a single vacation or taking the family out for a dinner every month? [...]]]></description>
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		<slash:comments>4</slash:comments>
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