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	<title>Comments on: 7 Easy Ways to Improve Your Financial Life</title>
	<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/</link>
	<description>Life Improvement Tips You Can Use Today!</description>
	<pubDate>Fri, 29 Aug 2008 02:20:57 +0000</pubDate>
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		<title>By: CamryHybrid</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-81103</link>
		<dc:creator>CamryHybrid</dc:creator>
		<pubDate>Fri, 25 Jul 2008 18:57:23 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-81103</guid>
		<description>Wow, great comprehensive post! I definitely agree with much of what you said (I'm a huge camry hybrid fan), including cooking your own food and analyzing your spending. 

Once I began tracking every penny that goes in and out of my account, I was able to identify and eliminate drains on my account that I either wasn't using or could easily do without.</description>
		<content:encoded><![CDATA[<p>Wow, great comprehensive post! I definitely agree with much of what you said (I&#8217;m a huge camry hybrid fan), including cooking your own food and analyzing your spending. </p>
<p>Once I began tracking every penny that goes in and out of my account, I was able to identify and eliminate drains on my account that I either wasn&#8217;t using or could easily do without.</p>
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		<title>By: Loskas</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-73549</link>
		<dc:creator>Loskas</dc:creator>
		<pubDate>Thu, 05 Jun 2008 10:12:40 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-73549</guid>
		<description>You have great posts from all the possible categories! :D
These tips are really helpful. I hope that I can buy a home soon. I am renting one for now.</description>
		<content:encoded><![CDATA[<p>You have great posts from all the possible categories! <img src='http://lifelearningtoday.com/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /><br />
These tips are really helpful. I hope that I can buy a home soon. I am renting one for now.</p>
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		<title>By: agentsully</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-68788</link>
		<dc:creator>agentsully</dc:creator>
		<pubDate>Wed, 30 Apr 2008 19:58:05 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-68788</guid>
		<description>@Tenoch - I think that's a great idea about telling others! So smart! Thank you for sharing that!!!</description>
		<content:encoded><![CDATA[<p>@Tenoch - I think that&#8217;s a great idea about telling others! So smart! Thank you for sharing that!!!</p>
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		<title>By: Tenoch</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-68646</link>
		<dc:creator>Tenoch</dc:creator>
		<pubDate>Tue, 29 Apr 2008 20:48:31 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-68646</guid>
		<description>also, if when one is actually facing the horrors of being in debt, it helps if he/she tells the problem to friends and family... it pays to air it out to a support group that really care... because a lot of people live in denial when in debt... it pays if you face the problem as early as possible, tell it to people close to you, seek an experts advise... devise a plan to fight your way through debt... no one says its going to be easy... but as they say 'the best time to start is now'...</description>
		<content:encoded><![CDATA[<p>also, if when one is actually facing the horrors of being in debt, it helps if he/she tells the problem to friends and family&#8230; it pays to air it out to a support group that really care&#8230; because a lot of people live in denial when in debt&#8230; it pays if you face the problem as early as possible, tell it to people close to you, seek an experts advise&#8230; devise a plan to fight your way through debt&#8230; no one says its going to be easy&#8230; but as they say &#8216;the best time to start is now&#8217;&#8230;</p>
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		<title>By: Gimme Credit</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-60327</link>
		<dc:creator>Gimme Credit</dc:creator>
		<pubDate>Sat, 29 Mar 2008 01:04:41 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-60327</guid>
		<description>I have to admit, I like buying new cars and keeping them for 4 years or more. But I just recently bought a camry Hybrid, and now estimate that I'm saving about $100/month on gas expenses! So if you have to buy new definitely consider hybrid. At least you can save some dough on gas, and they have excellent resale value so buying new suddenly doesn't look so bad after all.</description>
		<content:encoded><![CDATA[<p>I have to admit, I like buying new cars and keeping them for 4 years or more. But I just recently bought a camry Hybrid, and now estimate that I&#8217;m saving about $100/month on gas expenses! So if you have to buy new definitely consider hybrid. At least you can save some dough on gas, and they have excellent resale value so buying new suddenly doesn&#8217;t look so bad after all.</p>
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		<title>By: Mr Debt</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-51562</link>
		<dc:creator>Mr Debt</dc:creator>
		<pubDate>Mon, 25 Feb 2008 12:05:46 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-51562</guid>
		<description>--- Why throw rent money into the garbage…”bye, bye”…when you can grow equity and gain a huge tax deduction instead? ---

Exactly. Some friends of mine are looking at selling their house &#38; renting. When they told me their monthly payments - it was MORE than my mortgage! I told them the exact same thing.</description>
		<content:encoded><![CDATA[<p>&#8212; Why throw rent money into the garbage…”bye, bye”…when you can grow equity and gain a huge tax deduction instead? &#8212;</p>
<p>Exactly. Some friends of mine are looking at selling their house &amp; renting. When they told me their monthly payments - it was MORE than my mortgage! I told them the exact same thing.</p>
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		<title>By: DailySpends</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-50600</link>
		<dc:creator>DailySpends</dc:creator>
		<pubDate>Wed, 20 Feb 2008 16:43:10 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-50600</guid>
		<description>Not carrying a balance on your credit card is easier said than done - but I always try to clear them down! Good tips :)</description>
		<content:encoded><![CDATA[<p>Not carrying a balance on your credit card is easier said than done - but I always try to clear them down! Good tips <img src='http://lifelearningtoday.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /></p>
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		<title>By: iva</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-47325</link>
		<dc:creator>iva</dc:creator>
		<pubDate>Fri, 08 Feb 2008 15:36:36 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-47325</guid>
		<description>"If you canâ€™t pay off your balance, find the lowest rate that you qualify for and move the debt to that lower rate." I agree,also you can use IVA( Individual Voluntary Agrrangements). It provides a viable alternative to bankruptcy and is therefore for those individuals that really cannot afford to pay off existing debts any longer. An IVA can help because it is a proposal that is sent to all of an individualâ€™s creditors offering a settlement over a period of five years or so. After that period, the debt is settled.</description>
		<content:encoded><![CDATA[<p>&#8220;If you canâ€™t pay off your balance, find the lowest rate that you qualify for and move the debt to that lower rate.&#8221; I agree,also you can use IVA( Individual Voluntary Agrrangements). It provides a viable alternative to bankruptcy and is therefore for those individuals that really cannot afford to pay off existing debts any longer. An IVA can help because it is a proposal that is sent to all of an individualâ€™s creditors offering a settlement over a period of five years or so. After that period, the debt is settled.</p>
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		<title>By: Loan Guy</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-47297</link>
		<dc:creator>Loan Guy</dc:creator>
		<pubDate>Fri, 08 Feb 2008 12:21:01 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-47297</guid>
		<description>Great info, however not easy to do in today world, it takes a complete change in mindset.
If you could just stop using credit cards alone and pay for everything in cash it would have a dramatic effect on your finances.</description>
		<content:encoded><![CDATA[<p>Great info, however not easy to do in today world, it takes a complete change in mindset.<br />
If you could just stop using credit cards alone and pay for everything in cash it would have a dramatic effect on your finances.</p>
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		<title>By: dm</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-43060</link>
		<dc:creator>dm</dc:creator>
		<pubDate>Tue, 29 Jan 2008 18:10:36 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-43060</guid>
		<description>Do I really NEED this? Now? &#38; Analyze your own spending . . . work well for me. Combine the two and you could save a ton.</description>
		<content:encoded><![CDATA[<p>Do I really NEED this? Now? &amp; Analyze your own spending . . . work well for me. Combine the two and you could save a ton.</p>
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		<title>By: ong</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-33024</link>
		<dc:creator>ong</dc:creator>
		<pubDate>Wed, 26 Dec 2007 08:29:55 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-33024</guid>
		<description>May I add the 1 more way, is not to get ripoff by credit repair people.</description>
		<content:encoded><![CDATA[<p>May I add the 1 more way, is not to get ripoff by credit repair people.</p>
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		<title>By: Stop Being Treated like Garbage</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-31210</link>
		<dc:creator>Stop Being Treated like Garbage</dc:creator>
		<pubDate>Wed, 19 Dec 2007 02:04:29 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-31210</guid>
		<description>[...] K. Stone, author of Life Learning Today, a blog about daily life improvements. Popular articles are 7 Easy Ways to Improve Your Financial Life and Should You Start Your Own Work at Home [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] K. Stone, author of Life Learning Today, a blog about daily life improvements. Popular articles are 7 Easy Ways to Improve Your Financial Life and Should You Start Your Own Work at Home [&#8230;]</p>
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		<title>By: Jack</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-29323</link>
		<dc:creator>Jack</dc:creator>
		<pubDate>Wed, 12 Dec 2007 15:54:27 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-29323</guid>
		<description>My biggest thing is budgeting food. Grabbing a snack or hitting fast food kills me.</description>
		<content:encoded><![CDATA[<p>My biggest thing is budgeting food. Grabbing a snack or hitting fast food kills me.</p>
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		<title>By: Mortgage Guide</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-29107</link>
		<dc:creator>Mortgage Guide</dc:creator>
		<pubDate>Tue, 11 Dec 2007 17:14:07 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-29107</guid>
		<description>Great advice! A modest decrease in spending can pay long term dividends.</description>
		<content:encoded><![CDATA[<p>Great advice! A modest decrease in spending can pay long term dividends.</p>
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		<title>By: element</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-22170</link>
		<dc:creator>element</dc:creator>
		<pubDate>Mon, 19 Nov 2007 13:26:09 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-22170</guid>
		<description>thanks for advice.These tips are really helpfull.</description>
		<content:encoded><![CDATA[<p>thanks for advice.These tips are really helpfull.</p>
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		<title>By: Mortgage Exit Fees</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-9895</link>
		<dc:creator>Mortgage Exit Fees</dc:creator>
		<pubDate>Tue, 25 Sep 2007 15:10:37 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-9895</guid>
		<description>Good advice - paying yourself first is the key principle in the book "The Richest Man in Babylon".  

This book is a classic and I would recommend everyone to read it, it has also recently been updated for the 21st centrury (I can't remember how old it is!) which should make it easier to grasp the lessons within it.</description>
		<content:encoded><![CDATA[<p>Good advice - paying yourself first is the key principle in the book &#8220;The Richest Man in Babylon&#8221;.  </p>
<p>This book is a classic and I would recommend everyone to read it, it has also recently been updated for the 21st centrury (I can&#8217;t remember how old it is!) which should make it easier to grasp the lessons within it.</p>
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		<title>By: Jayson</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-9813</link>
		<dc:creator>Jayson</dc:creator>
		<pubDate>Tue, 25 Sep 2007 00:43:39 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-9813</guid>
		<description>Great advice - as usual! I realized the significance of not eating out every night, not buying a drink at every gas station and not buying ridiculous items all the time when we were on a strict budget. I wish I realized these things earlier and read this post when I was a teenager.</description>
		<content:encoded><![CDATA[<p>Great advice - as usual! I realized the significance of not eating out every night, not buying a drink at every gas station and not buying ridiculous items all the time when we were on a strict budget. I wish I realized these things earlier and read this post when I was a teenager.</p>
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		<title>By: Kolz Blog &#187; Blog Archive &#187; Slow Cook Your Business Goals for Success</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-6626</link>
		<dc:creator>Kolz Blog &#187; Blog Archive &#187; Slow Cook Your Business Goals for Success</dc:creator>
		<pubDate>Sat, 25 Aug 2007 21:04:07 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-6626</guid>
		<description>[...] K. Stone, author of Life Learning Today, a blog about daily life improvements. Popular articles are 7 Easy Ways to Improve Your Financial Life and Simplifying Your Goals. {Ad} Improve your life with an Oxygenics showerhead. Save money and [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] K. Stone, author of Life Learning Today, a blog about daily life improvements. Popular articles are 7 Easy Ways to Improve Your Financial Life and Simplifying Your Goals. {Ad} Improve your life with an Oxygenics showerhead. Save money and [&#8230;]</p>
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		<title>By: How Much Do I Need to Save for Retirement?</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-1039</link>
		<dc:creator>How Much Do I Need to Save for Retirement?</dc:creator>
		<pubDate>Wed, 13 Jun 2007 12:48:26 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-1039</guid>
		<description>[...] to shoot for. You can slowly begin to take steps to cut back on expenses. Take a look at my post on ways to improve your financial situation for some ideas. You can also play around and&#160;tweak any of the numbers in your calculations to [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] to shoot for. You can slowly begin to take steps to cut back on expenses. Take a look at my post on ways to improve your financial situation for some ideas. You can also play around and&nbsp;tweak any of the numbers in your calculations to [&#8230;]</p>
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		<title>By: 10+ Powerful Sales Concepts For Blogging Success</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-694</link>
		<dc:creator>10+ Powerful Sales Concepts For Blogging Success</dc:creator>
		<pubDate>Wed, 30 May 2007 18:44:49 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-694</guid>
		<description>[...] Life Learning Today, a blog about daily life improvements. A few of her most popular articles are 7 Easy Ways to Improve Your Financial Life, Make Money with Your Blog: The Ultimate Resource List, 3 Tips to Landing the Job You Want, and 5 [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Life Learning Today, a blog about daily life improvements. A few of her most popular articles are 7 Easy Ways to Improve Your Financial Life, Make Money with Your Blog: The Ultimate Resource List, 3 Tips to Landing the Job You Want, and 5 [&#8230;]</p>
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		<title>By: 10+ Powerful Sales Concepts For Blogging Success - lifehack.org</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-689</link>
		<dc:creator>10+ Powerful Sales Concepts For Blogging Success - lifehack.org</dc:creator>
		<pubDate>Wed, 30 May 2007 12:54:21 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-689</guid>
		<description>[...] Life Learning Today, a blog about daily life improvements. A few of her most popular articles are 7 Easy Ways to Improve Your Financial Life, Make Money with Your Blog: The Ultimate Resource List, 3 Tips to Landing the Job You Want, and 5 [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Life Learning Today, a blog about daily life improvements. A few of her most popular articles are 7 Easy Ways to Improve Your Financial Life, Make Money with Your Blog: The Ultimate Resource List, 3 Tips to Landing the Job You Want, and 5 [&#8230;]</p>
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		<title>By: AgentSully</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-570</link>
		<dc:creator>AgentSully</dc:creator>
		<pubDate>Wed, 23 May 2007 23:10:44 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-570</guid>
		<description>Thanks for the comment PS. Good to have you visiting!!</description>
		<content:encoded><![CDATA[<p>Thanks for the comment PS. Good to have you visiting!!</p>
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		<title>By: Pipe Smoking</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-556</link>
		<dc:creator>Pipe Smoking</dc:creator>
		<pubDate>Wed, 23 May 2007 14:58:20 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-556</guid>
		<description>It's really astounding how much $$ is wasted on frivolous things like eating out, coffee, snack machine, etc.  Most families can find $100 extra in their budget by watching these types of purchases.</description>
		<content:encoded><![CDATA[<p>It&#8217;s really astounding how much $$ is wasted on frivolous things like eating out, coffee, snack machine, etc.  Most families can find $100 extra in their budget by watching these types of purchases.</p>
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		<title>By: Branding Your Blog for Success - lifehack.org</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-548</link>
		<dc:creator>Branding Your Blog for Success - lifehack.org</dc:creator>
		<pubDate>Wed, 23 May 2007 13:04:59 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-548</guid>
		<description>[...] Life Learning Today, a blog about daily life improvements. A few of her most popular articles are 7 Easy Ways to Improve Your Financial Life, Make Money with Your Blog: The Ultimate Resource List, 5 Keys to Happiness, and How to Keep Your [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Life Learning Today, a blog about daily life improvements. A few of her most popular articles are 7 Easy Ways to Improve Your Financial Life, Make Money with Your Blog: The Ultimate Resource List, 5 Keys to Happiness, and How to Keep Your [&#8230;]</p>
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		<title>By: AgentSully</title>
		<link>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-541</link>
		<dc:creator>AgentSully</dc:creator>
		<pubDate>Tue, 22 May 2007 19:11:04 +0000</pubDate>
		<guid>http://lifelearningtoday.com/2007/05/11/practical-ways-to-improve-your-financial-life/#comment-541</guid>
		<description>Thanks for commenting Sean. Cute baby pics on your blog!</description>
		<content:encoded><![CDATA[<p>Thanks for commenting Sean. Cute baby pics on your blog!</p>
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