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   <title>Your Money Management Blog</title>
   <link>http://www.transformyourmoney.com/money-management-blog.html</link>
   <description>The Money Management Blog keeps you up to date with all additions and changes to the transformyourmoney.com Web site.</description>
   <language>en-us</language>
   <category >money management</category>
   <pubDate>Sat, 03 Mar 2012 16:12:57 GMT</pubDate>
   <lastBuildDate>Sat, 03 Mar 2012 16:12:57 GMT</lastBuildDate>
   <copyright>transformyourmoney.com</copyright>
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    <title>Mar 3, What is my Net Worth?</title>
    <link>http://www.transformyourmoney.com/what-is-my-net-worth.html</link>
    <description>My husband and I have no savings and no debt.  We do have several rental properties and several parcels of land.  We also have our primary home which is</description>
    <pubDate>Sat, 03 Mar 2012 16:12:55 GMT</pubDate>
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    <title>Jan 16, Typical Money Hungry Teen</title>
    <link>http://www.transformyourmoney.com/typical-money-hungry-teen.html</link>
    <description>Quinn and Mike's daughter, Rena, walks to the backyard to see them.  Rena: Mom, dad, can I borrow some money.  Dad: We can't keep giving you money Rena.</description>
    <pubDate>Mon, 16 Jan 2012 03:57:15 GMT</pubDate>
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    <title>Nov 14, Thanksgiving dinner ideas and tips on saving money!</title>
    <link>http://www.transformyourmoney.com/thanksgiving-dinner-ideas.html</link>
    <description>Thanksgiving dinner ideas and tips on saving money! 5 ways to save money this Thanksgiving with some bonus tips added at the bottom!</description>
    <pubDate>Mon, 14 Nov 2011 18:44:41 GMT</pubDate>
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    <title>Nov 13, Cheap Christmas Gift Ideas</title>
    <link>http://www.transformyourmoney.com/cheap-christmas-gift-ideas.html</link>
    <description>Cheap Christmas Gift Ideas - check out our ideas for money saving christmas ideas.</description>
    <pubDate>Sun, 13 Nov 2011 16:16:50 GMT</pubDate>
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    <title>Oct 25, 5 Money Saving Tips for 2011</title>
    <link>http://www.transformyourmoney.com/5-money-saving-tips-for-2011.html</link>
    <description>We often hear people complain about money. And one of the most common issues for people is that they just don't have enough money.  If you feel the same</description>
    <pubDate>Tue, 25 Oct 2011 21:08:34 GMT</pubDate>
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    <title>Oct 25, How to Save on Groceries Tips from Clarky Davis the Debt Diva</title>
    <link>http://www.transformyourmoney.com/how-to-save-on-groceries.html</link>
    <description>How to Save on Groceries Tips from Clarky Davis the Debt Diva - More grocery shopping tips and ways to grocery shop to save money.</description>
    <pubDate>Tue, 25 Oct 2011 16:17:03 GMT</pubDate>
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    <title>Oct 23, Grocery Shopping Tips to save Money from Clarky Davis the Debt Diva</title>
    <link>http://www.transformyourmoney.com/grocery-shopping-tips.html</link>
    <description>Grocery Shopping Tips to save Money from Clarky Davis the Debt Diva</description>
    <pubDate>Sun, 23 Oct 2011 19:07:11 GMT</pubDate>
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    <title>Oct 23, Home Energy Saving Tips - More ways to reduce your home energy costs.</title>
    <link>http://www.transformyourmoney.com/home-energy-saving-tips.html</link>
    <description>Home Energy Saving Tips - Clarky Davis the Debt Diva shares with you some ways to get some Home Energy Savings</description>
    <pubDate>Sun, 23 Oct 2011 17:35:46 GMT</pubDate>
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    <title>Oct 21, How Kids Can Make Money - Some tips and ideas for how kids can find ways to make 
some money.</title>
    <link>http://www.transformyourmoney.com/how-kids-can-make-money.html</link>
    <description>How Kids Can Make Money- Some ideas on how kids can make money, part of our Kids and money series.</description>
    <pubDate>Fri, 21 Oct 2011 18:44:36 GMT</pubDate>
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    <title>Oct 20, Teach Kids to Save Money - A skill they will use throughout their life.</title>
    <link>http://www.transformyourmoney.com/teach-kids-to-save-money.html</link>
    <description>Teach kids to save money and they will have this skill for the rest of their lives! It is one of the most important things you can teach your kids!</description>
    <pubDate>Thu, 20 Oct 2011 20:32:13 GMT</pubDate>
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    <title>Oct 18, Teaching Kids About Money and how to spend it wisely.</title>
    <link>http://www.transformyourmoney.com/teaching-kids-about-money.html</link>
    <description>Teaching Kids about money and how to spend it wisely, budget and make choices is essential for every kid! Money management for kids is one of the most important things you can teach them that will last a lifetime!</description>
    <pubDate>Tue, 18 Oct 2011 14:36:58 GMT</pubDate>
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    <title>Oct 17, Kids and Money - A series of Videos sharing with you how to teach your kids 
about money.Learn how to talk to your spouse the family budget</title>
    <link>http://www.transformyourmoney.com/kids-and-money.html</link>
    <description>Kids and Money - Teach your kids now about money management. Don't let them be a statistic - Learn how to teach money management to your kids.</description>
    <pubDate>Mon, 17 Oct 2011 19:00:28 GMT</pubDate>
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    <title>Oct 6, Beef and pasta dinner</title>
    <link>http://www.transformyourmoney.com/beef-and-pasta-dinner.html</link>
    <description>This one is a family favorite!   Photo from Cooking Gluten Free Photo is Gluten Free and Dairy free but the Recipe is not.   1 pound hamburger or other</description>
    <pubDate>Thu, 06 Oct 2011 14:53:41 GMT</pubDate>
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    <title>Oct 6, Best Ways to Save Money: Cutting Avoidable Expenses</title>
    <link>http://www.transformyourmoney.com/best-ways-to-save-money-cutting-avoidable-expenses.html</link>
    <description>Tracy Baker, a member of the Financial Planning Association discusses strategies to save you money.   Cut out avoidable expenses like added features to</description>
    <pubDate>Thu, 06 Oct 2011 14:41:24 GMT</pubDate>
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    <title>Oct 6, annuity payments or lump sum</title>
    <link>http://www.transformyourmoney.com/annuity-payments-or-lump-sum.html</link>
    <description>My Mother passed away on 10/31/10. She left my two sisters and myself approximately $14,000.00 each in an Annuity(American National), $8,000.00 in an Annuity(Western</description>
    <pubDate>Thu, 06 Oct 2011 14:38:24 GMT</pubDate>
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    <title>Sep 22, Millionaire by age 41 on $82K a year</title>
    <link>http://www.transformyourmoney.com/money-management-blog.html#Millionaire-by-age-41-on-$82K-a-year</link>
    <description>See how Gerry and Fiona Garda of Venon BC became millionaires on $82K a year!</description>
    <pubDate>Thu, 22 Sep 2011 14:29:03 GMT</pubDate>
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    <title>Jun 20, Is there another way?</title>
    <link>http://www.transformyourmoney.com/is-there-another-way.html</link>
    <description>I filed bankruptcy about 4 years ago. I retained a couple of store cards and accepted two low-limit credit cards with reasonable rates (12.9%) and no annual</description>
    <pubDate>Mon, 20 Jun 2011 13:29:38 GMT</pubDate>
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    <title>May 24, Strategies to Save Money: Eliminating 10 Things Your Don't Need</title>
    <link>http://www.transformyourmoney.com/strategies-to-save-money-eliminating-10-things-your-dont-need.html</link>
    <description>This Howcast video shows you how easy it is to eliminate 10 things that you don't really need and save money in the process!.     Essentially they suggest</description>
    <pubDate>Tue, 24 May 2011 19:52:12 GMT</pubDate>
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    <title>May 24, Organic Grocery Shopping</title>
    <link>http://www.transformyourmoney.com/organic-grocery-shopping.html</link>
    <description>Here is a great but short video on how to save money on your organic grocery shopping.      Sophie Uliano from Gorgeously Green and the NY Time Best Selling</description>
    <pubDate>Tue, 24 May 2011 19:25:11 GMT</pubDate>
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    <title>May 17, Books on Money Management - Our reviews on Money Management Books</title>
    <link>http://www.transformyourmoney.com/books-on-money-management.html</link>
    <description>Books on Money Management - Our reviews on Money Management Books</description>
    <pubDate>Tue, 17 May 2011 19:09:35 GMT</pubDate>
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    <title>May 17, Motley Fools</title>
    <link>http://www.transformyourmoney.com/motley-fools.html</link>
    <description>The Motley Fool Personal Finance Workbook : A Foolproof Guide to Organizing Your Cash and Building Wealth  The Motley Fools are famous in the investing</description>
    <pubDate>Tue, 17 May 2011 18:59:49 GMT</pubDate>
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    <title>May 17, Your Money or Your Life</title>
    <link>http://www.transformyourmoney.com/your-money-or-your-life.html</link>
    <description>Your Money or Your Life   This book has been around for many years and is continually updated to reflect current times. The most important message that</description>
    <pubDate>Tue, 17 May 2011 18:58:47 GMT</pubDate>
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    <title>May 17, Books on Money Management: The Budget Kit</title>
    <link>http://www.transformyourmoney.com/books-on-money-management-the-budget-kit.html</link>
    <description>The Budget Kit: The Common Cents Money Management Workbook  Publishers Weekly says A foolproof way to organize and maintain a personal budget. - Wow -</description>
    <pubDate>Tue, 17 May 2011 18:57:34 GMT</pubDate>
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    <title>May 17, Books on Money Management: FINANCIAL BASICS: MONEY-MANAGEMENT GUIDE FOR STUDENTS</title>
    <link>http://www.transformyourmoney.com/books-on-money-management-financial-basics-moneymanagement-guide-for-students.html</link>
    <description>FINANCIAL BASICS: MONEY-MANAGEMENT GUIDE FOR STUDENTS    Susan Knox has taken the financial basics that students need to know and put it into a great guide</description>
    <pubDate>Tue, 17 May 2011 18:56:15 GMT</pubDate>
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    <title>May 17, Books on Money Management: Managing Your Money All-In-One For Dummies</title>
    <link>http://www.transformyourmoney.com/books-on-money-management-managing-your-money-allinone-for-dummies.html</link>
    <description>Managing Your Money All-In-One For Dummies   For Dummies guides are always an easy way to learn the subject of the guide, and this Managing your Money</description>
    <pubDate>Tue, 17 May 2011 18:55:58 GMT</pubDate>
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    <title>May 17, Books on Money Management: The Complete Idiot's Guide to Getting Rich</title>
    <link>http://www.transformyourmoney.com/books-on-money-management-the-complete-idiots-guide-to-getting-rich.html</link>
    <description>The Complete Idiot's Guide to Getting Rich   See anyone can get rich! Even a complete idiot! OK maybe a bit of an overstatement, but the Complete Idiot</description>
    <pubDate>Tue, 17 May 2011 18:47:19 GMT</pubDate>
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    <title>May 17, Books on Money Management: The Pocket Idiot's Guide to Living on a Budget</title>
    <link>http://www.transformyourmoney.com/books-on-money-management-the-pocket-idiots-guide-to-living-on-a-budget.html</link>
    <description>The Pocket Idiot's Guide to Living on a Budget   Everyone needs a budget. Whether you are in debt, a student, a family or extremely wealthy. The only way</description>
    <pubDate>Tue, 17 May 2011 18:45:56 GMT</pubDate>
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    <title>May 17, Books on Money Management: The Complete Idiot's Guide to Managing Your Money</title>
    <link>http://www.transformyourmoney.com/books-on-money-management-the-complete-idiots-guide-to-managing-your-money.html</link>
    <description>The Complete Idiot's Guide to Managing Your Money  I have always loved the Complete Idiot's Guide series of books. They do a great job of explaining difficult</description>
    <pubDate>Tue, 17 May 2011 18:44:34 GMT</pubDate>
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    <title>May 17, Books on Money Management: The Money Book for the Young, Fabulous &amp; Broke</title>
    <link>http://www.transformyourmoney.com/books-on-money-management-the-money-book-for-the-young-fabulous-broke.html</link>
    <description>The Money Book for the Young, Fabulous &amp; Broke   Suze Orman's book for those in their 20's that are just starting out. They may have just graduated from</description>
    <pubDate>Tue, 17 May 2011 18:43:35 GMT</pubDate>
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    <title>May 17, Books on Money Mangement: The Money Class - Suze Orman</title>
    <link>http://www.transformyourmoney.com/books-on-money-mangement-the-money-class-suze-orman.html</link>
    <description>The Money Class   The Money Class by Suze Orman is her latest book about creating your New American Dream. The main premise of this book is that after</description>
    <pubDate>Tue, 17 May 2011 18:42:34 GMT</pubDate>
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    <title>May 17, The Success Principles</title>
    <link>http://www.transformyourmoney.com/the-success-principles.html</link>
    <description>The Success Principles  The Success Principles: How to Get from Where You Are to Where You Want to Be, by Jack Canfield (One of the Chicken Soup Authors)</description>
    <pubDate>Tue, 17 May 2011 15:12:09 GMT</pubDate>
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    <title>May 17, Total Money Makeover-Dave Ramsey</title>
    <link>http://www.transformyourmoney.com/total-money-makeoverdave-ramsey.html</link>
    <description>Total Money Makeover   Total Money Makeover: A Proven Plan for Financial Fitness is a great book that deals with the myths and your beliefs about money.</description>
    <pubDate>Tue, 17 May 2011 14:43:34 GMT</pubDate>
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    <title>Mar 30, Easy stuff for some extra cash</title>
    <link>http://www.transformyourmoney.com/easy-stuff-for-some-extra-cash.html</link>
    <description>When I was younger and was looking for some extra cash I would take in my old clothes I didn't wear anymore to a place like Plato's Closet or somewhere</description>
    <pubDate>Wed, 30 Mar 2011 00:42:06 GMT</pubDate>
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    <title>Mar 4, buying time to pay off credit cards</title>
    <link>http://www.transformyourmoney.com/buying-time-to-pay-off-credit-cards.html</link>
    <description>i have so much credit card debt, I can,t live long enough to pay them off, and at this point i can no longer pay my monthly installments on them.  However,</description>
    <pubDate>Fri, 04 Mar 2011 13:49:36 GMT</pubDate>
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    <title>Feb 16, Child Care Jobs</title>
    <link>http://www.transformyourmoney.com/child-care-jobs.html</link>
    <description> Child Care Jobs are great ways to earn money as a teenager. When I was a teenager I babysat and earned really good money doing it. The trick is to get</description>
    <pubDate>Wed, 16 Feb 2011 20:22:17 GMT</pubDate>
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    <title>Feb 16, Quick and Tasty Mustard Beans and Kielbasa</title>
    <link>http://www.transformyourmoney.com/quick-and-tasty-mustard-beans-and-kielbasa.html</link>
    <description>This recipe will take almost no time, and everyone in your family will love the tangy taste! Chop one small onion while heating a splash of olive oil in</description>
    <pubDate>Wed, 16 Feb 2011 19:48:32 GMT</pubDate>
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    <title>Feb 15, Summer Salad All in One</title>
    <link>http://www.transformyourmoney.com/summer-salad-all-in-one.html</link>
    <description>Actually, this meal can be made any time of year, but it's easiest and cheapest if you have a garden and can pick your own greens.  Use lettuce, mustard,</description>
    <pubDate>Tue, 15 Feb 2011 14:52:51 GMT</pubDate>
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    <title>Feb 13, Babysitting Jobs</title>
    <link>http://www.transformyourmoney.com/babysitting-jobs.html</link>
    <description>Babysitting is a great way for teenagers to earn some spending money. It is also a good chance for them to learn some responsibility.  Knowing that another</description>
    <pubDate>Sun, 13 Feb 2011 20:43:17 GMT</pubDate>
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    <title>Feb 13, Beef Stew Bake</title>
    <link>http://www.transformyourmoney.com/beef-stew-bake.html</link>
    <description>Ingredients  2 24 ounce cans of Dinty Moore Beef Stew  1 14 ounce can of peas  1 and a half tubes of Pillsbury ready to bake biscuit dough  This recipe</description>
    <pubDate>Sun, 13 Feb 2011 20:29:01 GMT</pubDate>
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    <title>Feb 10, 10 Things You Waste Your Money on Every day</title>
    <link>http://www.transformyourmoney.com/money-management-blog.html#10-Things-You-Waste-Your-Money-on-Every-day</link>
    <description>A great reminder how the little things can add up!</description>
    <pubDate>Thu, 10 Feb 2011 14:50:42 GMT</pubDate>
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    <title>Feb 5, Make Extra Cash and Gain Real World Experience</title>
    <link>http://www.transformyourmoney.com/make-extra-cash-and-gain-real-world-experience.html</link>
    <description>You can offer your services as a teen-handy man. Wash windows, mow yards and shovel snow are the easy ones. I recommend using the internet to learn how</description>
    <pubDate>Sat, 05 Feb 2011 19:35:59 GMT</pubDate>
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    <title>Feb 1, Start a Blog!</title>
    <link>http://www.transformyourmoney.com/start-a-blog.html</link>
    <description>A great way for teenagers to make some extra spending money is to Start a Blog or website.   There are various free blogging websites available on the</description>
    <pubDate>Tue, 01 Feb 2011 19:48:51 GMT</pubDate>
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    <title>Jan 26, Shredding Newspapers into the Compost</title>
    <link>http://www.transformyourmoney.com/shredding-newspapers-into-the-compost.html</link>
    <description>Wondering what to do with that stack of old newspapers?  Shred them, either by hand or through a shredder, and mix them into your compost bin.  Most newspapers</description>
    <pubDate>Wed, 26 Jan 2011 13:28:58 GMT</pubDate>
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    <title>Jan 25, Don't buy bottled water...reuse your old glass bottles!</title>
    <link>http://www.transformyourmoney.com/dont-buy-bottled-waterreuse-your-old-glass-bottles.html</link>
    <description>I'm amazed by how many people continue to buy bottled water. It's expensive, and it creates waste, no matter how little plastic the water companies say</description>
    <pubDate>Tue, 25 Jan 2011 13:10:17 GMT</pubDate>
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    <title>Jan 23, Use less Laundry and Dishwasher Detergent</title>
    <link>http://www.transformyourmoney.com/use-less-laundry-and-dishwasher-detergent.html</link>
    <description>I read an article recently that said people can get away with using far less laundry and Dishwasher Detergent in their washing machines and dishwashers</description>
    <pubDate>Sun, 23 Jan 2011 17:22:11 GMT</pubDate>
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    <title>Jan 22, Ways to Save Energy</title>
    <link>http://www.transformyourmoney.com/ways-to-save-energy.html</link>
    <description>Ways to Save Energy and Money with Laundry and Groceries  Laundry  Taught kids that not to drop towels on the floor or in the bath tub and to reuse the</description>
    <pubDate>Sat, 22 Jan 2011 20:38:52 GMT</pubDate>
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    <title>Jan 22, Garden Compost</title>
    <link>http://www.transformyourmoney.com/garden-compost.html</link>
    <description>Kitchen scraps to the garden create Garden Compost. Going green doesn't have to be a huge step.  Small steps count too.  My wife and I live alone, and</description>
    <pubDate>Sat, 22 Jan 2011 20:14:29 GMT</pubDate>
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    <title>Jan 22, Go Green and Save Money</title>
    <link>http://www.transformyourmoney.com/go-green-and-save-money.html</link>
    <description>You can replace the incandescent light bulbs with fluorescent light bulbs as it might cost you a small amount of money but will save lots on your electric</description>
    <pubDate>Sat, 22 Jan 2011 19:58:26 GMT</pubDate>
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    <title>Jan 21, Gardening and Landscaping: For Free</title>
    <link>http://www.transformyourmoney.com/gardening-and-landscaping-for-free.html</link>
    <description>Growing plants can be an excellent, frugal way to go green.  There are two ways it can save you money:  First, you can grow your own food.  Seeds are cheap,</description>
    <pubDate>Fri, 21 Jan 2011 17:35:51 GMT</pubDate>
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    <title>Jan 21, Reuse Plastic Bags and Other Grocery Store Bags</title>
    <link>http://www.transformyourmoney.com/reuse-plastic-bags-and-other-grocery-store-bags.html</link>
    <description>Paper or plastic always seems to be the final big question at the checkout counter. Do I cut down trees or poison the environment with the plastic bags?</description>
    <pubDate>Fri, 21 Jan 2011 16:30:06 GMT</pubDate>
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