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	<title>MobileLife Today &#187; Your Money</title>
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	<link>http://mobilelifetoday.com</link>
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	<lastBuildDate>Mon, 30 Jan 2012 17:59:33 +0000</lastBuildDate>
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		<item>
		<title>Spend Wisely to Save Money</title>
		<link>http://mobilelifetoday.com/01/30/spend-wisely-to-save-money/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=spend-wisely-to-save-money</link>
		<comments>http://mobilelifetoday.com/01/30/spend-wisely-to-save-money/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 17:39:59 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://mobilelifetoday.com/?p=29423</guid>
		<description><![CDATA[Have you ever noticed that the things you buy every week at the grocery and hardware store go up a few cents between shopping trips? Not by much… just a little each week but they continue to creep up and up.
All it takes for the price to jump by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.
There is a way that we can keep these price increases from impacting our personal finances as much and that ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Peer-To-Peer Lending?</title>
		<link>http://mobilelifetoday.com/07/14/peer-to-peer-lending/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=peer-to-peer-lending</link>
		<comments>http://mobilelifetoday.com/07/14/peer-to-peer-lending/#comments</comments>
		<pubDate>Thu, 14 Jul 2011 15:06:41 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://mobilelifetoday.com/?p=29155</guid>
		<description><![CDATA[Dave,
What do you think about peer-to-peer lending? I’m thinking about getting in on investing in individual loans as an investment strategy.
Brian
Dear Brian,
Sorry, but as an investment strategy I think this kind of thing is pretty stupid. Most of these kinds of loans are not collateralized, which means they’re not checked out. I mean, would you loan someone money without really getting into their business and knowing something about them first?
Right now, there’s a social justice aspect to this kind of stuff. But I prefer charitable giving to lending. I mean, ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Skipping A Payment After Refinance?</title>
		<link>http://mobilelifetoday.com/07/14/skipping-a-payment-after-refinance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=skipping-a-payment-after-refinance</link>
		<comments>http://mobilelifetoday.com/07/14/skipping-a-payment-after-refinance/#comments</comments>
		<pubDate>Thu, 14 Jul 2011 14:52:40 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://mobilelifetoday.com/?p=29151</guid>
		<description><![CDATA[&#160;

Dear Dave,
I just refinanced my home from a 30-year fixed rate to a 15-year fixed rate mortgage. The first payment won’t be due until July, but should I go ahead and make a June payment or put that money toward my debt snowball?
Avery
Dear Avery,
If it were me, I’d put that money toward  paying off debt. At this point, you don’t have a June payment coming due, so anything you paid in would only go toward prepaying the principal. Mortgage interest is charged in arrears, which means backward. Your July ...]]></description>
		<wfw:commentRss>http://mobilelifetoday.com/07/14/skipping-a-payment-after-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Planning For A Future</title>
		<link>http://mobilelifetoday.com/06/24/planning-for-a-future/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=planning-for-a-future</link>
		<comments>http://mobilelifetoday.com/06/24/planning-for-a-future/#comments</comments>
		<pubDate>Fri, 24 Jun 2011 13:00:10 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://mobilelifetoday.com/?p=29123</guid>
		<description><![CDATA[Dear Dave,
My  husband and I are both spenders. We want to get on a plan and handle  our money better, but is there anything that will help us learn to give  up stuff now so that we’ll have more in the future?
Beth
Dear Beth,
I  know what you’re talking about. Old habits are really hard to break,  especially when they’re fun old habits. Even when you wake up and feel  the pain and realize you shouldn’t have done something, it’s easy to  slip right back ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Weak Can’t Help The Weak</title>
		<link>http://mobilelifetoday.com/06/22/the-weak-can%e2%80%99t-help-the-weak/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-weak-can%25e2%2580%2599t-help-the-weak</link>
		<comments>http://mobilelifetoday.com/06/22/the-weak-can%e2%80%99t-help-the-weak/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 16:38:45 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>
		<category><![CDATA[Help husband weak]]></category>

		<guid isPermaLink="false">http://mobilelifetoday.com/?p=29120</guid>
		<description><![CDATA[Dear Dave,
My  husband and I have been married less than a year, and already we’re  having huge disagreements over money. He’s got a big heart, but often  he’ll just give money to friends and family. Sometimes, this leaves us  short when it comes to monthly bills, paying off debt, and saving  anything. I guess he thinks we’ll get by somehow, but it scares me. What  can I do?
Summer
Dear Summer,
It  sounds like he does have a big heart, and I’m sure that’s one of ...]]></description>
		<wfw:commentRss>http://mobilelifetoday.com/06/22/the-weak-can%e2%80%99t-help-the-weak/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Only A 15-year Mortgage?</title>
		<link>http://mobilelifetoday.com/06/07/why-only-a-15-year-mortgage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=why-only-a-15-year-mortgage</link>
		<comments>http://mobilelifetoday.com/06/07/why-only-a-15-year-mortgage/#comments</comments>
		<pubDate>Tue, 07 Jun 2011 16:46:04 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://www.mobilelifetoday.com/?p=29097</guid>
		<description><![CDATA[Dear Dave, 
Why do you only recommend 15-year mortgages?
Nikki
Dear Nikki,
I recommend 15-year mortgages, and never more than that, because the  normalization of the 30-year mortgage has helped created a constant  state of financial bondage for the middle class. It’s caused average,  everyday people to lose hope of ever paying off their homes and being  totally debt-free.
I understand that it costs a little more per month when you have a  15-year house note instead of a 20- or 30-year mortgage. But really,  it’s just a ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Child Support In The Budget?</title>
		<link>http://mobilelifetoday.com/06/07/child-support-in-the-budget/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=child-support-in-the-budget</link>
		<comments>http://mobilelifetoday.com/06/07/child-support-in-the-budget/#comments</comments>
		<pubDate>Tue, 07 Jun 2011 16:43:19 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://www.mobilelifetoday.com/?p=29096</guid>
		<description><![CDATA[Dear Dave,
My husband and I can’t agree on how we should handle the child support payments I receive. He thinks it should be put in the pool with our household budget money, but right now I keep it in a separate account. Who’s right?
Leslie
Dear Leslie,
I’m sorry, but in my opinion you’re wrong on this one. My guess is you got burned in the past somehow when it comes to relationships and finances. If this is the case, I don’t blame you for having your momma bear claws out, because these ...]]></description>
		<wfw:commentRss>http://mobilelifetoday.com/06/07/child-support-in-the-budget/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting Back On Track &amp; Saving Before The Mortgage?</title>
		<link>http://mobilelifetoday.com/05/31/getting-back-on-track-saving-before-the-mortgage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=getting-back-on-track-saving-before-the-mortgage</link>
		<comments>http://mobilelifetoday.com/05/31/getting-back-on-track-saving-before-the-mortgage/#comments</comments>
		<pubDate>Tue, 31 May 2011 17:00:00 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://www.mobilelifetoday.com/?p=29083</guid>
		<description><![CDATA[Getting Back On Track
 
 
Dear Dave,
I  grew up in a house where my parents always lived below their means.  They taught me to live that way, but they never showed me how to make it  happen. Now, at 45, I’ve gotten out of debt and fallen back in several  times. I’m sick of this, and I want to get control of my money. How do I  break this bad cycle?
Sandy
Dear Sandy,
It’s frustrating, isn’t it? The fact is, you’re pretty normal. But who wants to ...]]></description>
		<wfw:commentRss>http://mobilelifetoday.com/05/31/getting-back-on-track-saving-before-the-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is It Too Late?</title>
		<link>http://mobilelifetoday.com/05/24/is-it-too-late/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=is-it-too-late</link>
		<comments>http://mobilelifetoday.com/05/24/is-it-too-late/#comments</comments>
		<pubDate>Tue, 24 May 2011 16:33:58 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>

		<guid isPermaLink="false">http://www.mobilelifetoday.com/?p=29059</guid>
		<description><![CDATA[Is It Too Late?
 
 
Dear Dave,
I’m  42, and I haven’t started saving for retirement. I’m self-employed and  not making a lot of money right now, plus I have about $8,000 in debt.  It feels like I’m living paycheck to paycheck, and I just can’t seem to  save or get anything paid off. Can you help?
Avis
Dear Avis,
It’s never too late to start  saving for retirement. If you’re breathing, there’s still time!
My guess is that it feels like you’re living paycheck to paycheck because you are ...]]></description>
		<wfw:commentRss>http://mobilelifetoday.com/05/24/is-it-too-late/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Not Grow The IRAs?</title>
		<link>http://mobilelifetoday.com/05/16/why-not-grow-the-iras/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=why-not-grow-the-iras</link>
		<comments>http://mobilelifetoday.com/05/16/why-not-grow-the-iras/#comments</comments>
		<pubDate>Tue, 17 May 2011 00:00:19 +0000</pubDate>
		<dc:creator>MobileLife</dc:creator>
				<category><![CDATA[Dave Says]]></category>
		<category><![CDATA[Your Money]]></category>
		<category><![CDATA[attack mode]]></category>
		<category><![CDATA[baby step]]></category>
		<category><![CDATA[baby steps]]></category>
		<category><![CDATA[behavior modification]]></category>
		<category><![CDATA[college loans]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[dear dave]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[gazelle]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[intensity]]></category>
		<category><![CDATA[iras]]></category>
		<category><![CDATA[light at the end of the tunnel]]></category>
		<category><![CDATA[step 2]]></category>
		<category><![CDATA[student loans]]></category>
		<category><![CDATA[term basis]]></category>

		<guid isPermaLink="false">http://www.mobilelifetoday.com/?p=29042</guid>
		<description><![CDATA[Why Not Grow The IRAs?
 
 
Dear Dave,
My  wife and I have been following the Baby Steps, and we’ve paid off all  of our credit card debt. We still have $51,000 in student loans left,  and our combined income is about $140,000. We’re thinking about funding  our IRAs while we finish off the college loans. How do you feel about  this?
Patrick

Dear Patrick,
I wouldn’t do it that way. If you’re still on Baby Step 2 you need to stop all saving and  investing and attack ...]]></description>
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		<slash:comments>0</slash:comments>
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