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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>Mon, 07 Jul 2008 22:24:11 GMT</pubDate>
   <lastBuildDate>Mon, 07 Jul 2008 22:24:11 GMT</lastBuildDate>
   <copyright>transformyourmoney.com</copyright>
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    <title>Jul 7, Ideas for Frugal Meals</title>
    <link>http://www.transformyourmoney.com/frugal-meals.html</link>
    <description>Frugal Meals. Tips on making Frugal Meals for Frugal Living.</description>
    <pubDate>Mon, 07 Jul 2008 22:24:11 GMT</pubDate>
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    <title>Jul 7, Active Frugal Lifestyle</title>
    <link>http://www.transformyourmoney.com/frugal-lifestyle.html</link>
    <description>Living an active frugal lifestyle is possible. Check out some of our ideas for active and healthy frugal living!</description>
    <pubDate>Mon, 07 Jul 2008 20:44:40 GMT</pubDate>
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    <title>Jun 19, 10 Families that Got Rid of Their Credit Cards!</title>
    <link>http://money.cnn.com/galleries/2008/pf/0806/gallery.sans_plastic.moneymag/index.html</link>
    <description>This is a great article on CNN.com about how these 10 families cut out their credit cards and paid their credit cards back and how they found power and freedom with their money!</description>
    <pubDate>Thu, 19 Jun 2008 18:28:16 GMT</pubDate>
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    <title>Jun 19, June Issue went out on June 15th!</title>
    <link>http://www.transformyourmoney.com/money-management-tool.html</link>
    <description>Transform Your Money.com released our third issue of our E-Zine, Moneyzine on June 15th.
If you haven't signed up yet - do so and receive a free gift!</description>
    <pubDate>Thu, 19 Jun 2008 18:28:16 GMT</pubDate>
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    <title>Jun 13, Money Management Tool - Moneyzine</title>
    <link>http://www.transformyourmoney.com/money-management-tool.html</link>
    <description>Moneyzine, another great money management tool for you to transform your money!</description>
    <pubDate>Fri, 13 Jun 2008 17:31:30 GMT</pubDate>
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    <title>Jun 9, Frugal Travel Tips</title>
    <link>http://www.transformyourmoney.com/frugal-travel.html</link>
    <description>Frugal Travel - Tips on travelling frugally.</description>
    <pubDate>Mon, 09 Jun 2008 21:51:13 GMT</pubDate>
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    <title>Jun 5, The truth behind your finances.  It&amp;#8217;s Time to Get Real about your Money!</title>
    <link>http://www.transformyourmoney.com/the-truth-behind-your-finances.html</link>
    <description>The Truth Behind your Finances &amp;#8211; Are you ready to get real about how you got to where you are today?</description>
    <pubDate>Thu, 05 Jun 2008 14:39:15 GMT</pubDate>
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    <title>Jun 4, Best Ways to Save Money</title>
    <link>http://www.transformyourmoney.com/best-ways-to-save-money-page-2.html</link>
    <description>The best ways to save money. See a bunch of easy ways to save money. A penny saved is a penny earned!</description>
    <pubDate>Wed, 04 Jun 2008 17:57:33 GMT</pubDate>
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    <title>Jun 4, Best Ways to Save Money</title>
    <link>http://www.transformyourmoney.com/best-ways-to-save-money.html</link>
    <description>The best ways to save money. See a bunch of easy ways to save money. A penny saved is a penny earned!</description>
    <pubDate>Wed, 04 Jun 2008 17:56:26 GMT</pubDate>
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    <title>May 27, Personal Finance Forum - Find a Community</title>
    <link>http://www.transformyourmoney.com/personalfinanceforum.html</link>
    <description>Find a community by joining a personal finance forum.  It&amp;#8217;s a great place to find other people who are learning to manage their money and you don&amp;#8217;t have to do it alone</description>
    <pubDate>Tue, 27 May 2008 00:25:49 GMT</pubDate>
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    <title>May 26, The Stress of Money Management - Do you feel stress when you think of Managing 
your Money?</title>
    <link>http://www.transformyourmoney.com/stress-of-money-management-2.html</link>
    <description>The Stress of Money Management. Do you avoid managing your money because it is too stressful? Don't find out how to relieve the stress!</description>
    <pubDate>Mon, 26 May 2008 19:08:03 GMT</pubDate>
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    <title>May 26, The Stress of Money Management - Do you feel stress when you think of Managing 
your Money?</title>
    <link>http://www.transformyourmoney.com/stress-of-money-management.html</link>
    <description>The Stress of Money Management. Do you avoid managing your money because it is too stressful? Don't find out how to relieve the stress!</description>
    <pubDate>Mon, 26 May 2008 19:02:59 GMT</pubDate>
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    <title>May 26, Money Jokes and Funny Stories</title>
    <link>http://www.transformyourmoney.com/money-jokes.html</link>
    <description>Money Jokes and Funny Stories. Have a little fun while you are working on your money management plan!</description>
    <pubDate>Mon, 26 May 2008 12:26:54 GMT</pubDate>
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    <title>May 23, Personal Finance Tools</title>
    <link>http://www.transformyourmoney.com/personal-finance-tools.html</link>
    <description>Personal finance tools : Tools to help you manage your money, pay of debt, learn about personal finance or create spending plans.</description>
    <pubDate>Fri, 23 May 2008 13:43:27 GMT</pubDate>
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    <title>May 14, Frugal Food</title>
    <link>http://www.transformyourmoney.com/frugal-food.html</link>
    <description>Frugal Food, Tips on buying food frugally.</description>
    <pubDate>Wed, 14 May 2008 18:50:51 GMT</pubDate>
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    <title>May 13, May Issue of Moneyzine is Going out May 15th!</title>
    <link>http://www.transformyourmoney.com/money-management-tool.html</link>
    <description>Transform Your Money.com is releasing our second issue of our E-Zine, Moneyzine on May 15th.
If you haven't signed up yet - do so and receive a free gift!</description>
    <pubDate>Tue, 13 May 2008 19:49:07 GMT</pubDate>
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    <title>May 13, Sorry about the Repeat Pages in the Blog</title>
    <link>http://www.transformyourmoney.com</link>
    <description>Hi there,
Transform Your Money has just completed it's transformation to a new and better template! 
We are sorry if the blog updated with repeat pages. We tried to keep that to a minimum.
Check out our new look!</description>
    <pubDate>Tue, 13 May 2008 19:44:28 GMT</pubDate>
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    <title>May 13, You Can Dream Dream Dream Exercise</title>
    <link>http://www.transformyourmoney.com/dream-dream-dream.html</link>
    <description>You can dream dream dream &amp;#8211; An exercise to get you dreaming &amp;#8211; After all you can&amp;#8217;t figure out how to get to where you want to, until you know where to go!</description>
    <pubDate>Tue, 13 May 2008 18:17:00 GMT</pubDate>
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    <title>May 13, Envelope Budget System</title>
    <link>http://www.transformyourmoney.com/envelopebudgetsystem.html</link>
    <description>An Envelope Budget System is a simple way to budget your money. See a description of how it works here.</description>
    <pubDate>Tue, 13 May 2008 17:52:57 GMT</pubDate>
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    <title>May 13, Contact Transformyourmoney.com</title>
    <link>http://www.transformyourmoney.com/contactus.html</link>
    <description>Contact Page for Transformyourmoney.com.</description>
    <pubDate>Tue, 13 May 2008 16:17:50 GMT</pubDate>
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    <title>May 12, What is Your Dream?</title>
    <link>http://www.transformyourmoney.com/whatisyourdream.html</link>
    <description>What is your dream? &amp;#8211; Most people today have forgotten to dream &amp;#8211; How can you plan your finances and manage your money if you don&amp;#8217;t know where you are going?</description>
    <pubDate>Mon, 12 May 2008 22:29:48 GMT</pubDate>
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    <title>May 9, Paying Off Debt</title>
    <link>http://www.transformyourmoney.com/paying-off-debt.html</link>
    <description>Paying off Debt - How to do it easily and stress free!</description>
    <pubDate>Fri, 09 May 2008 19:30:35 GMT</pubDate>
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    <title>May 8, Debt Avoidance - Don't be in Debt in the First Place</title>
    <link>http://www.transformyourmoney.com/debt_avoidance.html</link>
    <description>Debt Avoidance, The best way to avoid debt is to not get into it, or get back into it once you are out, in the first place.</description>
    <pubDate>Thu, 08 May 2008 19:31:35 GMT</pubDate>
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    <title>May 8, How to Calculate Debt</title>
    <link>http://www.transformyourmoney.com/how-to-calculate-debt.html</link>
    <description>How to Calculate Debt &amp;#8211; A simple guide as to how to calculate how much debt you have.</description>
    <pubDate>Thu, 08 May 2008 17:27:02 GMT</pubDate>
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    <title>May 7, Debt Free Living</title>
    <link>http://www.transformyourmoney.com/debt_free_living.html</link>
    <description>Debt Free Living is Possible and within reach - learn how!</description>
    <pubDate>Wed, 07 May 2008 21:42:17 GMT</pubDate>
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    <title>Apr 30, Money Messages - Do you know what yours are?</title>
    <link>http://www.transformyourmoney.com/money-messages.html</link>
    <description>Money Messages &amp;#8211; You can&amp;#8217;t transform your money until you know what your money messages are.</description>
    <pubDate>Wed, 30 Apr 2008 20:21:38 GMT</pubDate>
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    <title>Apr 29, Organize Finances - The Next Step in Your Money Game!</title>
    <link>http://www.transformyourmoney.com/organizefinances.html</link>
    <description>Organize finances &amp;#8211; You have to know where you are now, by sorting your finances, before you can make a change with your money!</description>
    <pubDate>Tue, 29 Apr 2008 21:30:19 GMT</pubDate>
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    <title>Apr 29, Personal Finance Money Management &amp;#8211; Learn How to Manage your Money!</title>
    <link>http://www.transformyourmoney.com/personal-finance-money-management.html</link>
    <description>Personal finance money management - most people never learn how to manage  their personal finances, or manage their money.  It isn&amp;#8217;t taught in school, and rarely talked about.  Learn how to here!</description>
    <pubDate>Tue, 29 Apr 2008 16:03:56 GMT</pubDate>
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    <title>Apr 25, Budgeting Finances</title>
    <link>http://www.transformyourmoney.com/budgeting-finances.html</link>
    <description>Budgeting finances, What does it mean anyway?  Take a look at what it means to budget your finances and what it takes to break free from your money problems!</description>
    <pubDate>Fri, 25 Apr 2008 20:43:22 GMT</pubDate>
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    <title>Apr 25, How to Make A Budget</title>
    <link>http://www.transformyourmoney.com/how-to-make-a-budget.html</link>
    <description>Frustrated on how to make a budget? Don't create a budget, use a spending plan instead.</description>
    <pubDate>Fri, 25 Apr 2008 20:22:36 GMT</pubDate>
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    <title>Apr 10, Income Tax Deadlines are Coming!</title>
    <link></link>
    <description>Just a reminder for Americans and Canadians that your &lt;b&gt;filing dates for your income taxes are&lt;/b&gt;:&lt;p&gt;
Americans - April 15, 2008&lt;br&gt;
Canadians - April 30, 2008.&lt;p&gt;
I know, Taxes are the last thing you want to think of, but it is important to &lt;b&gt;file your taxes each year and on time.&lt;/b&gt; &lt;p&gt;
It's the law and if you don't you will incur penalities and interest charges. Not only that, but the government has the right to garnish wages, and freeze assets if you don't comply (one late return won't cause this - but if you are like some - many late returns will!)&lt;p&gt;
So manage your money well and &lt;b&gt;file your returns on time&lt;/b&gt;! If required seek out professional help!

Happy Filing!&lt;br&gt;
Melanie Fine, CPA&lt;br&gt;
Transformyourmoney.com</description>
    <pubDate>Thu, 10 Apr 2008 20:30:40 GMT</pubDate>
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    <title>Apr 8, Planning Finances</title>
    <link>http://www.transformyourmoney.com/planning_finances.html</link>
    <description>Planning finances to match your future. Once you have determined what your future is going to look like, you have to plan your finances and create your money management plan to match it.</description>
    <pubDate>Tue, 08 Apr 2008 16:25:32 GMT</pubDate>
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    <title>Apr 8, Managing Personal Finances, you have to commit to your plan or there is no point.</title>
    <link>http://www.transformyourmoney.com/managing-personal-finances.html</link>
    <description>Commitment and Discipline are essential in managing personal finances and is the sixth step in your overall game plan to manage your money.</description>
    <pubDate>Tue, 08 Apr 2008 16:23:55 GMT</pubDate>
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    <title>Apr 4, Ready for Change with Your Money?</title>
    <link>http://www.transformyourmoney.com/readyforchange.html</link>
    <description>Are you ready for change in your life, especially with money? Take the first step in transforming your money is deciding if you are ready for a change.</description>
    <pubDate>Fri, 04 Apr 2008 19:32:22 GMT</pubDate>
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    <title>Mar 31, Reducing Your Debt</title>
    <link>http://www.transformyourmoney.com/reducing-your-debt.html</link>
    <description>Reducing your Debt - There are many things to remember while working on your debt!</description>
    <pubDate>Mon, 31 Mar 2008 18:00:47 GMT</pubDate>
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    <title>Mar 29, Getting out of Debt Page 2</title>
    <link>http://www.transformyourmoney.com/getting-out-of-debt-page-2.html</link>
    <description>Getting Out of Debt. This page will give you a step by step, get me out of debt plan, that answers the question - Can you get me out of debt!</description>
    <pubDate>Sat, 29 Mar 2008 18:55:18 GMT</pubDate>
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    <title>Mar 29, Getting out of Debt</title>
    <link>http://www.transformyourmoney.com/getting-out-of-debt.html</link>
    <description>Getting Out of Debt. This page will give you a step by step, get me out of debt plan, that answers the question - Can you get me out of debt!</description>
    <pubDate>Sat, 29 Mar 2008 17:06:53 GMT</pubDate>
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    <title>Mar 28, Get out of Debt Plan</title>
    <link>http://www.transformyourmoney.com/get-out-of-debt-plan.html</link>
    <description>Get out of Debt Plan - This page will show you how to create a SMART plan to get out of debt!</description>
    <pubDate>Fri, 28 Mar 2008 19:57:17 GMT</pubDate>
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    <title>Mar 26, Paying Off Debt Page 3</title>
    <link>http://www.transformyourmoney.com/paying_off_debt_page_3.html</link>
    <description>Paying off Debt - How to do it easily and stress free!</description>
    <pubDate>Wed, 26 Mar 2008 01:14:24 GMT</pubDate>
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    <title>Mar 25, Paying Off Debt Page 2</title>
    <link>http://www.transformyourmoney.com/paying_off_debt_page_2.html</link>
    <description>Paying off Debt - How to do it easily and stress free!</description>
    <pubDate>Tue, 25 Mar 2008 01:32:28 GMT</pubDate>
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    <title>Feb 10, A Really Simple Budget</title>
    <link>http://www.transformyourmoney.com/simple_budget.html</link>
    <description>A really simple budget, Can't get easier than using paper, a pencil and a calculator!</description>
    <pubDate>Sun, 10 Feb 2008 20:16:00 GMT</pubDate>
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