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	<title>Comments on: Five Budgeting Pitfalls to Avoid</title>
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	<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/</link>
	<description>Making You a Winner at Money and Life</description>
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		<title>By: joeplemon</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-8914</link>
		<dc:creator>joeplemon</dc:creator>
		<pubDate>Fri, 09 Sep 2011 22:56:49 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-8914</guid>
		<description>@Real Estate,
As I work with people on their finances, I always tell them that their budget will NOT work the first month.  I want to give them a taste of reality so they won&#039;t bail out prematurely.  Besides, as you say, some people are looking for an excuse to throw in the towel.  I don&#039;t want to give them that excuse.</description>
		<content:encoded><![CDATA[<p>@Real Estate,<br />
As I work with people on their finances, I always tell them that their budget will NOT work the first month.  I want to give them a taste of reality so they won&#8217;t bail out prematurely.  Besides, as you say, some people are looking for an excuse to throw in the towel.  I don&#8217;t want to give them that excuse.</p>
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		<title>By: Real Estate Taxes</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-8912</link>
		<dc:creator>Real Estate Taxes</dc:creator>
		<pubDate>Fri, 09 Sep 2011 21:50:39 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-8912</guid>
		<description>This is a great post. Everyone does need more than one month to get used to a budget. Also, throwing in the towel after one month of &quot;failure&quot; is probably just a way to get back to spending more than you should be.</description>
		<content:encoded><![CDATA[<p>This is a great post. Everyone does need more than one month to get used to a budget. Also, throwing in the towel after one month of &#8220;failure&#8221; is probably just a way to get back to spending more than you should be.</p>
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		<title>By: Expect Rate Hikes Even After the New Credit Card Act Takes Effect</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-6949</link>
		<dc:creator>Expect Rate Hikes Even After the New Credit Card Act Takes Effect</dc:creator>
		<pubDate>Fri, 01 Apr 2011 04:00:07 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-6949</guid>
		<description>[...] a plan to get all of your credit card debt completely paid off. Make a budget, talk with your spouse and get focused.  Debt free is the way to [...]</description>
		<content:encoded><![CDATA[<p>[...] a plan to get all of your credit card debt completely paid off. Make a budget, talk with your spouse and get focused.  Debt free is the way to [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Four Ways to Cope With Rising Gasoline Prices</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-6942</link>
		<dc:creator>Four Ways to Cope With Rising Gasoline Prices</dc:creator>
		<pubDate>Thu, 31 Mar 2011 14:46:12 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-6942</guid>
		<description>[...] month? If you answered, “I don’t know” then you have just confessed that you don’t have a working budget. If you know the answer, then you must cut back on another item as you spend more on gasoline. [...]</description>
		<content:encoded><![CDATA[<p>[...] month? If you answered, “I don’t know” then you have just confessed that you don’t have a working budget. If you know the answer, then you must cut back on another item as you spend more on gasoline. [...]</p>
]]></content:encoded>
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	<item>
		<title>By: 20 Sites to Help You Spend Less and Save More</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-5235</link>
		<dc:creator>20 Sites to Help You Spend Less and Save More</dc:creator>
		<pubDate>Wed, 08 Dec 2010 10:09:53 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-5235</guid>
		<description>[...] debt, saving money, and comparison shopping. If you have been looking for a few new ways to manage your money, the following sites are worth [...]</description>
		<content:encoded><![CDATA[<p>[...] debt, saving money, and comparison shopping. If you have been looking for a few new ways to manage your money, the following sites are worth [...]</p>
]]></content:encoded>
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	<item>
		<title>By: This Family Paid Cash For Their Car; You Can Too!</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-3556</link>
		<dc:creator>This Family Paid Cash For Their Car; You Can Too!</dc:creator>
		<pubDate>Thu, 02 Sep 2010 19:18:13 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-3556</guid>
		<description>[...] budgeting and controlling daily spending. We still haven&#8217;t mastered this [...]</description>
		<content:encoded><![CDATA[<p>[...] budgeting and controlling daily spending. We still haven&#8217;t mastered this [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Set a Time Goal to Get Out of Debt Faster &#124; My Biz Online</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-2494</link>
		<dc:creator>Set a Time Goal to Get Out of Debt Faster &#124; My Biz Online</dc:creator>
		<pubDate>Wed, 16 Jun 2010 14:59:05 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-2494</guid>
		<description>[...] setting a time goal. If your budgeting experience in the past has been less than stellar, read Five Budgeting Pitfalls to Avoid. You can do this. Get [...]</description>
		<content:encoded><![CDATA[<p>[...] setting a time goal. If your budgeting experience in the past has been less than stellar, read Five Budgeting Pitfalls to Avoid. You can do this. Get [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Get out of debt fast</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-2493</link>
		<dc:creator>Get out of debt fast</dc:creator>
		<pubDate>Wed, 16 Jun 2010 14:54:22 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-2493</guid>
		<description>[...] setting a time goal. If your budgeting experience in the past has been less than stellar, read Five Budgeting Pitfalls to Avoid. You can do this. Get [...]</description>
		<content:encoded><![CDATA[<p>[...] setting a time goal. If your budgeting experience in the past has been less than stellar, read Five Budgeting Pitfalls to Avoid. You can do this. Get [...]</p>
]]></content:encoded>
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	<item>
		<title>By: How To Turn Your Failures Into Opportunities</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-946</link>
		<dc:creator>How To Turn Your Failures Into Opportunities</dc:creator>
		<pubDate>Wed, 24 Feb 2010 20:55:29 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-946</guid>
		<description>[...] your financial status, don’t settle for it.  Always be working on and executing a plan to create financial [...]</description>
		<content:encoded><![CDATA[<p>[...] your financial status, don’t settle for it.  Always be working on and executing a plan to create financial [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Myfreepedia.com &#187; Blog Archive &#187; Star Money Articles and Carnivals for the Week of July 27</title>
		<link>http://personalfinancebythebook.com/five-budgeting-pitfalls-to-avoid/comment-page-1/#comment-122</link>
		<dc:creator>Myfreepedia.com &#187; Blog Archive &#187; Star Money Articles and Carnivals for the Week of July 27</dc:creator>
		<pubDate>Thu, 06 Aug 2009 04:21:26 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=137#comment-122</guid>
		<description>[...] week&#8217;s Best of Money Carnival was held at Free From Broke with the winning post being Five Budgeting Pitfalls to Avoid. I made the carnival too with the post What to Do When You Don’t Get a Job [...]</description>
		<content:encoded><![CDATA[<p>[...] week&#8217;s Best of Money Carnival was held at Free From Broke with the winning post being Five Budgeting Pitfalls to Avoid. I made the carnival too with the post What to Do When You Don’t Get a Job [...]</p>
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