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	<title>Comments on: Which Comes First: Earning or Saving?</title>
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	<description>Making You a Winner at Money and Life</description>
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		<title>By: Do We Spend More With Credit Cards? A Study Proves &#8230; Maybe</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-7140</link>
		<dc:creator>Do We Spend More With Credit Cards? A Study Proves &#8230; Maybe</dc:creator>
		<pubDate>Mon, 25 Apr 2011 14:04:25 +0000</pubDate>
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		<description>[...] your blood pressure medications, let me quickly assert that this study DID  NOT prove that people spend more with credit cards than with cash; it only gives credence to the [...]</description>
		<content:encoded><![CDATA[<p>[...] your blood pressure medications, let me quickly assert that this study DID  NOT prove that people spend more with credit cards than with cash; it only gives credence to the [...]</p>
]]></content:encoded>
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		<title>By: How The Number One Personal Finance Principle Affects Two Diverse Families</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-6284</link>
		<dc:creator>How The Number One Personal Finance Principle Affects Two Diverse Families</dc:creator>
		<pubDate>Mon, 31 Jan 2011 14:29:16 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-6284</guid>
		<description>[...] have become an emotional curse. The most important principle in your personal finance is to spend less than you earn. The stories of these two families illustrate that very little income is not an excuse to break [...]</description>
		<content:encoded><![CDATA[<p>[...] have become an emotional curse. The most important principle in your personal finance is to spend less than you earn. The stories of these two families illustrate that very little income is not an excuse to break [...]</p>
]]></content:encoded>
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		<title>By: 20 Sites to Help You Spend Less and Save More</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-5237</link>
		<dc:creator>20 Sites to Help You Spend Less and Save More</dc:creator>
		<pubDate>Wed, 08 Dec 2010 10:10:33 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-5237</guid>
		<description>[...] &#8211; SmartyPig is a social banking site that helps people save for their goals. The site works like an online piggy bank, allowing you to make regular contributions. Family and [...]</description>
		<content:encoded><![CDATA[<p>[...] &#8211; SmartyPig is a social banking site that helps people save for their goals. The site works like an online piggy bank, allowing you to make regular contributions. Family and [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Carnival of Financial Planning &#8211; Edition #152 &#8211; July 30, 2010</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-3085</link>
		<dc:creator>Carnival of Financial Planning &#8211; Edition #152 &#8211; July 30, 2010</dc:creator>
		<pubDate>Sun, 01 Aug 2010 22:55:28 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-3085</guid>
		<description>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</description>
		<content:encoded><![CDATA[<p>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</p>
]]></content:encoded>
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		<title>By: Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs &#124; Personal Investment Management and Financial Planning Blog Directory</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-2962</link>
		<dc:creator>Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs &#124; Personal Investment Management and Financial Planning Blog Directory</dc:creator>
		<pubDate>Fri, 23 Jul 2010 06:06:42 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-2962</guid>
		<description>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</description>
		<content:encoded><![CDATA[<p>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Carnival of Financial Planning &#8211; Edition #150</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-2873</link>
		<dc:creator>Carnival of Financial Planning &#8211; Edition #150</dc:creator>
		<pubDate>Sat, 17 Jul 2010 10:03:05 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-2873</guid>
		<description>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</description>
		<content:encoded><![CDATA[<p>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Carnival of Financial Planning - Edition #149 - July 9, 2010 &#124; Personal Investment Management and Financial Planning Blog Directory</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-2800</link>
		<dc:creator>Carnival of Financial Planning - Edition #149 - July 9, 2010 &#124; Personal Investment Management and Financial Planning Blog Directory</dc:creator>
		<pubDate>Fri, 09 Jul 2010 06:41:44 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-2800</guid>
		<description>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</description>
		<content:encoded><![CDATA[<p>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Planning and Personal Investment Articles &#124; Personal Investment Management and Financial Planning Blog Directory</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-2608</link>
		<dc:creator>Planning and Personal Investment Articles &#124; Personal Investment Management and Financial Planning Blog Directory</dc:creator>
		<pubDate>Fri, 25 Jun 2010 01:10:49 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-2608</guid>
		<description>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</description>
		<content:encoded><![CDATA[<p>[...] Plemon presents Which Comes First: Earning or Saving? posted at Personal Finance By The Book, saying, &#8220;The number one financial principle is to [...]</p>
]]></content:encoded>
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	<item>
		<title>By: joeplemon</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-2586</link>
		<dc:creator>joeplemon</dc:creator>
		<pubDate>Wed, 23 Jun 2010 19:23:04 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-2586</guid>
		<description>Billy,
Thanks for the encouraging words.   A Certified Financial Counselor simply means that some organization has trained you and given you a certification that it is OK to say you represent their standards in what you do.  I have been trained and certified through the Dave Ramsey organization.</description>
		<content:encoded><![CDATA[<p>Billy,<br />
Thanks for the encouraging words.   A Certified Financial Counselor simply means that some organization has trained you and given you a certification that it is OK to say you represent their standards in what you do.  I have been trained and certified through the Dave Ramsey organization.</p>
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	<item>
		<title>By: Billy</title>
		<link>http://personalfinancebythebook.com/which-comes-first-earning-or-saving/comment-page-1/#comment-2581</link>
		<dc:creator>Billy</dc:creator>
		<pubDate>Wed, 23 Jun 2010 16:57:00 +0000</pubDate>
		<guid isPermaLink="false">http://personalfinancebythebook.com/?p=2139#comment-2581</guid>
		<description>Hi Joe,
Thanks for the wonderful article!  I really enjoyed reading.  I found you through the blog carnival (http://goo.gl/fb/Dq7Oa).  BTW what is a &quot;Cetified Financial Counselor&quot;?</description>
		<content:encoded><![CDATA[<p>Hi Joe,<br />
Thanks for the wonderful article!  I really enjoyed reading.  I found you through the blog carnival (<a href="http://goo.gl/fb/Dq7Oa" rel="nofollow">http://goo.gl/fb/Dq7Oa</a>).  BTW what is a &#8220;Cetified Financial Counselor&#8221;?</p>
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