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	<title>Comments on: Rebuilding My Non-Retirment Savings (January Update)</title>
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	<link>http://www.ncnblog.com/2008/02/02/rebuilding-my-non-retirment-savings-january-update/</link>
	<description>Debt Reduction Rocks - We Are Living Debt Free!</description>
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		<title>By: Here&#8217;s Your Team for The Superbowl of Personal Finance! (Carnival #138) &#124; I've Paid For This Twice Already...</title>
		<link>http://www.ncnblog.com/2008/02/02/rebuilding-my-non-retirment-savings-january-update/comment-page-1/#comment-82909</link>
		<dc:creator>Here&#8217;s Your Team for The Superbowl of Personal Finance! (Carnival #138) &#124; I've Paid For This Twice Already...</dc:creator>
		<pubDate>Mon, 04 Feb 2008 10:40:00 +0000</pubDate>
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		<description>[...] Credit Needed shares how he is Rebuilding His Non-Retirement Savings - January Update. Small steps add up to a big [...]</description>
		<content:encoded><![CDATA[<p>[...] Credit Needed shares how he is Rebuilding His Non-Retirement Savings &#8211; January Update. Small steps add up to a big [...]</p>
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		<title>By: EasyChange</title>
		<link>http://www.ncnblog.com/2008/02/02/rebuilding-my-non-retirment-savings-january-update/comment-page-1/#comment-82252</link>
		<dc:creator>EasyChange</dc:creator>
		<pubDate>Sun, 03 Feb 2008 04:29:02 +0000</pubDate>
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		<description>I understand that strategy. I do the same thing. I&#039;ve already paid all of the bills for February that are not paid electronically. I find that pre-paying the bills works great to avoid extra interest charges and also gives a good idea about how much will really be available for savings. I think that it is much more important to consistently spend less than you earn. If you can manage that, the savings almost happens on its own.</description>
		<content:encoded><![CDATA[<p>I understand that strategy. I do the same thing. I&#8217;ve already paid all of the bills for February that are not paid electronically. I find that pre-paying the bills works great to avoid extra interest charges and also gives a good idea about how much will really be available for savings. I think that it is much more important to consistently spend less than you earn. If you can manage that, the savings almost happens on its own.</p>
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		<title>By: Mrs. Micah</title>
		<link>http://www.ncnblog.com/2008/02/02/rebuilding-my-non-retirment-savings-january-update/comment-page-1/#comment-82136</link>
		<dc:creator>Mrs. Micah</dc:creator>
		<pubDate>Sat, 02 Feb 2008 21:35:38 +0000</pubDate>
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		<description>I understand paying yourself last. I see saving as going both ways. Some savings you (probably) want to do right up front. Figure out what you should be able to save this month and put that in the budget, transfer half with each paycheck or something. But then the leftovers of any budget go into savings for me. Or debt repayment. Like snowflaking with budget scraps.</description>
		<content:encoded><![CDATA[<p>I understand paying yourself last. I see saving as going both ways. Some savings you (probably) want to do right up front. Figure out what you should be able to save this month and put that in the budget, transfer half with each paycheck or something. But then the leftovers of any budget go into savings for me. Or debt repayment. Like snowflaking with budget scraps.</p>
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