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	<title>Personal Finance Insights</title>
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	<link>http://www.cheapchecks.org/blog</link>
	<description>Getting Your Finances Right</description>
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		<title>How To Avoid a Payday Loan</title>
		<link>http://www.cheapchecks.org/blog/how-to-avoid-a-payday-loan/</link>
		<comments>http://www.cheapchecks.org/blog/how-to-avoid-a-payday-loan/#comments</comments>
		<pubDate>Thu, 17 May 2012 07:00:30 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=220</guid>
		<description><![CDATA[Payday loans have become a popular financial option for many people during the current financial downturn. They are advertised heavily and often help people who have few options when they find themselves in a financial bind. However, they are not necessarily the best option for financial emergencies. Here are a few tips for avoiding a [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-to-avoid-a-payday-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Full Time Personal Finance Blogging</title>
		<link>http://www.cheapchecks.org/blog/full-time-personal-finance-blogging/</link>
		<comments>http://www.cheapchecks.org/blog/full-time-personal-finance-blogging/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 04:20:50 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=199</guid>
		<description><![CDATA[I just read a blog post about becoming a full time blogger interestingly the writer in fact used the skills gained in setting up advertising for her blog to start a business which makes much more money that the actual blog produces.  A few people commenting on the closed world of personal finance bloggers, where [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/full-time-personal-finance-blogging/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a 529 College Plan?</title>
		<link>http://www.cheapchecks.org/blog/what-is-a-529-college-plan/</link>
		<comments>http://www.cheapchecks.org/blog/what-is-a-529-college-plan/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 03:57:14 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=194</guid>
		<description><![CDATA[If you have decided to save for college and invest in your children’s or grandchildren’s future. A 529 college plan can be an excellent way to save and invest for future college expenses. This guide to a 529 college plan will help you to learn some things that you need to know to help make [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/what-is-a-529-college-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Stop Procrastinating and Start Saving</title>
		<link>http://www.cheapchecks.org/blog/how-to-stop-procrastinating-and-start-saving/</link>
		<comments>http://www.cheapchecks.org/blog/how-to-stop-procrastinating-and-start-saving/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 04:03:37 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=191</guid>
		<description><![CDATA[Times are hard right now. Medical costs are sky-rocketing, jobs are uncertain, and the foreclosure rate is at an all-time high. Now, more than ever, you need a savings account as a safety-net to catch you during financial emergencies. With Social Security and Medicare on the rocks, you should be saving for retirement, too. You [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-to-stop-procrastinating-and-start-saving/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Safe Investments for Your Money</title>
		<link>http://www.cheapchecks.org/blog/safe-investments-for-your-money/</link>
		<comments>http://www.cheapchecks.org/blog/safe-investments-for-your-money/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 05:28:26 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=188</guid>
		<description><![CDATA[One day the DOW was up 275.56 points. That’s great, but the day before it closed down by 100.96 points. You may be looking for ways to hedge against the losses you may be taking from your stock market portfolio, and you have several options to choose from that will be extremely safe investments for [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/safe-investments-for-your-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Real Estate Investing in Uncertain Times</title>
		<link>http://www.cheapchecks.org/blog/real-estate-investing-in-uncertain-times/</link>
		<comments>http://www.cheapchecks.org/blog/real-estate-investing-in-uncertain-times/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 03:41:41 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=180</guid>
		<description><![CDATA[As recently as a decade ago, real estate was the most popular form of investment. Investors all over the country couldn’t get their hands on real estate properties fast enough. This created a huge boom in the real estate market, and people everywhere were suddenly enjoying huge returns on their investments. Unfortunately, this created a [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/real-estate-investing-in-uncertain-times/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Negotiate a Salary Raise</title>
		<link>http://www.cheapchecks.org/blog/how-to-negotiate-a-salary-raise/</link>
		<comments>http://www.cheapchecks.org/blog/how-to-negotiate-a-salary-raise/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 19:04:12 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=169</guid>
		<description><![CDATA[Believe it or not, bosses aren&#8217;t known for playing fast and loose with their company coffers. That&#8217;s why, even if you are the most valuable employee on your company staff you will, especially in these tough economic times, need to do more to negotiate a salary increase than perhaps at other time. You might also [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-to-negotiate-a-salary-raise/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Should I Take Money Overseas?</title>
		<link>http://www.cheapchecks.org/blog/how-should-i-take-money-overseas/</link>
		<comments>http://www.cheapchecks.org/blog/how-should-i-take-money-overseas/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 20:45:21 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=166</guid>
		<description><![CDATA[When traveling overseas, it is a good idea to know how to bring your finances with you. There are quite a few expenses you can incur while away from home: some expected and others unexpected. Regardless of what kind of expenses you have on the trip, you will need some means of money in order [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-should-i-take-money-overseas/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Which Bank Account Features are Actually Useful?</title>
		<link>http://www.cheapchecks.org/blog/which-bank-account-features-are-actually-useful/</link>
		<comments>http://www.cheapchecks.org/blog/which-bank-account-features-are-actually-useful/#comments</comments>
		<pubDate>Tue, 27 Sep 2011 20:10:30 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Checks]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=158</guid>
		<description><![CDATA[When you get a new bank account, it is a good idea to sit down and see which features you think are going to be useful. You want to consider all of your options so that you can get an account that is actually helpful to you. Do not compromise on something that is very [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/which-bank-account-features-are-actually-useful/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What to Look for in an Auto Loan</title>
		<link>http://www.cheapchecks.org/blog/what-to-look-for-in-an-auto-loan/</link>
		<comments>http://www.cheapchecks.org/blog/what-to-look-for-in-an-auto-loan/#comments</comments>
		<pubDate>Thu, 22 Sep 2011 20:07:43 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=155</guid>
		<description><![CDATA[Buying a new car can be an exciting and exhilarating experience. There are few things finer than holding the keys to your new car for the first time and listening to the roar of the engine as you start up. Unfortunately, this experience can be dampened by the need of acquiring funding for the purchase [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/what-to-look-for-in-an-auto-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are Travelers Cheques on a Terminal Decline?</title>
		<link>http://www.cheapchecks.org/blog/are-travelers-cheques-on-a-terminal-decline/</link>
		<comments>http://www.cheapchecks.org/blog/are-travelers-cheques-on-a-terminal-decline/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 20:58:00 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Checks]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=152</guid>
		<description><![CDATA[In this technologically advanced age, people are increasingly making use of debit and credit cards to take care of travel expenses instead of relying on traveler’s cheques. With greater ease of access and security to electronic money, traveler’s cheques no longer provide the same ease and security they once did, hence their decline. While their [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/are-travelers-cheques-on-a-terminal-decline/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Tips to Improve Your Credit Score</title>
		<link>http://www.cheapchecks.org/blog/7-tips-to-improve-your-credit-score/</link>
		<comments>http://www.cheapchecks.org/blog/7-tips-to-improve-your-credit-score/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 18:53:55 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=149</guid>
		<description><![CDATA[People are having more problems than ever with their credit scores not just because of the economy – though that has a lion’s share portion in the blame for the trouble – but also because of past debt and difficulties with repayment. Having a bad credit score is frustrating, even frightening at times. There are [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/7-tips-to-improve-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should Personal Finance Be Taught At School?</title>
		<link>http://www.cheapchecks.org/blog/should-personal-finance-be-taught-at-school/</link>
		<comments>http://www.cheapchecks.org/blog/should-personal-finance-be-taught-at-school/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 20:58:00 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=147</guid>
		<description><![CDATA[Not all that long ago, if a young person wanted spending money, he would find a paper route or a part time job and earn the spending money he desired. His parents were working hard to support the family, and extra money was not available for his wants. He would learn to manage his money [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/should-personal-finance-be-taught-at-school/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is a Virtual Credit Card Useful?</title>
		<link>http://www.cheapchecks.org/blog/is-a-virtual-credit-card-useful/</link>
		<comments>http://www.cheapchecks.org/blog/is-a-virtual-credit-card-useful/#comments</comments>
		<pubDate>Mon, 12 Sep 2011 21:19:09 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=143</guid>
		<description><![CDATA[What is a Virtual Credit Card? Online shopping and transactions are becoming exceedingly common due to their convenience and global accessibility, but they do come with a host of issues. One problem is the danger of personal information theft when people give out their credit card information online. Other problems arise when merchant websites refuse [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/is-a-virtual-credit-card-useful/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Finish Paying Your Mortgage Years Early</title>
		<link>http://www.cheapchecks.org/blog/how-to-finish-paying-your-mortgage-years-early-2/</link>
		<comments>http://www.cheapchecks.org/blog/how-to-finish-paying-your-mortgage-years-early-2/#comments</comments>
		<pubDate>Tue, 06 Sep 2011 20:31:08 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=138</guid>
		<description><![CDATA[Paying off your mortgage early gives you a huge psychological boost because you own your home free and clear as well as saving you thousands of dollars in interest payments. Most people don’t think they have enough extra cash to make larger mortgage payments each month. There are several ways around this, but the most [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-to-finish-paying-your-mortgage-years-early-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Should I Use My Credit Card?</title>
		<link>http://www.cheapchecks.org/blog/how-should-i-use-my-credit-card/</link>
		<comments>http://www.cheapchecks.org/blog/how-should-i-use-my-credit-card/#comments</comments>
		<pubDate>Sun, 04 Sep 2011 21:48:18 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=131</guid>
		<description><![CDATA[Having a credit card in your wallet may seem like a simple, modern convenience, but it is important to understand that having a card is a great responsibility finance-wise. This is particularly true if you tend to use it in situations where you do not have the money to offset the purchases made with your [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-should-i-use-my-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Does Setting Goals Help You Improve Your Personal Finances?</title>
		<link>http://www.cheapchecks.org/blog/does-setting-goals-help-you-improve-your-personal-finances/</link>
		<comments>http://www.cheapchecks.org/blog/does-setting-goals-help-you-improve-your-personal-finances/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 21:35:18 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=129</guid>
		<description><![CDATA[The question of whether goal setting helps you improve your personal finances is an interesting one. Most people associate goal setting with financial success and this is justified in many senses. But we need to get a better idea of how goal setting and personal finances really relate. Setting Goals Begins with “Seeing Where You’re [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/does-setting-goals-help-you-improve-your-personal-finances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting To Grips With Your Credit Card</title>
		<link>http://www.cheapchecks.org/blog/getting-to-grips-with-your-credit-card/</link>
		<comments>http://www.cheapchecks.org/blog/getting-to-grips-with-your-credit-card/#comments</comments>
		<pubDate>Sun, 28 Aug 2011 10:40:02 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=123</guid>
		<description><![CDATA[Are you ready to come to grips with your credit card? It is not as hard as it might appear. By taking some simple steps and being both patient and proactive, you can get a handle on your credit card debt. Once you do, you will be able to live a life of financial freedom. [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/getting-to-grips-with-your-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Stop Buying Things You Want</title>
		<link>http://www.cheapchecks.org/blog/how-to-stop-buying-things-you-want/</link>
		<comments>http://www.cheapchecks.org/blog/how-to-stop-buying-things-you-want/#comments</comments>
		<pubDate>Tue, 23 Aug 2011 04:29:58 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/how-to-stop-buying-things-you-want/</guid>
		<description><![CDATA[You know when you “want” things, rather than “need” them? How do you cut down on the wants? Whether you&#8217;re trying to get out of debt, pay down credit cards or save for a home, you need to stop buying things you want. Full stop. No &#34;stop buying things you want, unless it&#8217;s a really [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-to-stop-buying-things-you-want/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Seven Useful Personal Finance Tips</title>
		<link>http://www.cheapchecks.org/blog/seven-useful-personal-finance-tips/</link>
		<comments>http://www.cheapchecks.org/blog/seven-useful-personal-finance-tips/#comments</comments>
		<pubDate>Mon, 22 Aug 2011 10:31:24 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=114</guid>
		<description><![CDATA[Managing personal finances is often challenging, especially since money can be a scary topic for many people. There are many pieces of advice available on how to improve an individual&#8217;s financial picture, and some of these tips are better than others. Here are the seven most useful tips for personal finance. Put Savings First Many [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/seven-useful-personal-finance-tips/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Negotiate Every Purchase?</title>
		<link>http://www.cheapchecks.org/blog/can-you-negotiate-every-purchase/</link>
		<comments>http://www.cheapchecks.org/blog/can-you-negotiate-every-purchase/#comments</comments>
		<pubDate>Wed, 03 Aug 2011 06:58:40 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=106</guid>
		<description><![CDATA[The idea of negotiating on purchases often depends on the location and the type of store. In some countries, haggling is common and even groceries are negotiated. In countries like the United States, where retail stores form chains that stretch across the country, negotiating most purchases is uncommon. In the United States, haggling over the [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/can-you-negotiate-every-purchase/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stepping it Up</title>
		<link>http://www.cheapchecks.org/blog/stepping-it-up/</link>
		<comments>http://www.cheapchecks.org/blog/stepping-it-up/#comments</comments>
		<pubDate>Mon, 01 Aug 2011 05:56:16 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/stepping-it-up/</guid>
		<description><![CDATA[I’m going to get more serious on this blog now. I have some thoughts on the US debt problem that could save the day for the US – well not really, but I do have some thoughts. I have been following the situation quite closely and I have to say I’m hopeful that a deal [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/stepping-it-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can You Avoid ATM Withdrawal Fees?</title>
		<link>http://www.cheapchecks.org/blog/can-you-avoid-atm-withdrawal-fees/</link>
		<comments>http://www.cheapchecks.org/blog/can-you-avoid-atm-withdrawal-fees/#comments</comments>
		<pubDate>Mon, 01 Aug 2011 05:44:45 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=100</guid>
		<description><![CDATA[By attempting to forecast cash needs in the future, many people can save money on ATM surcharges. Frequent withdrawals from these machines can be avoided with careful planning and adherence to a monthly budget. You pay fees by using the ATM services, so in order to reduce this amount by a significant margin, consider making [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/can-you-avoid-atm-withdrawal-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>The Difference Between Bad Debt and Good Debt</title>
		<link>http://www.cheapchecks.org/blog/the-difference-between-bad-debt-and-good-debt/</link>
		<comments>http://www.cheapchecks.org/blog/the-difference-between-bad-debt-and-good-debt/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 07:51:38 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/the-difference-between-bad-debt-and-good-debt/</guid>
		<description><![CDATA[A common mistake many people make is to think that all debt is bad. That is not true. The richest people in the world did not become that way by avoiding all debt. They made their money by knowing which kinds of debt were good and which were bad. Unless you learn the difference between [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/the-difference-between-bad-debt-and-good-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is a Credit Report?</title>
		<link>http://www.cheapchecks.org/blog/what-is-a-credit-report/</link>
		<comments>http://www.cheapchecks.org/blog/what-is-a-credit-report/#comments</comments>
		<pubDate>Thu, 28 Jul 2011 11:30:58 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=90</guid>
		<description><![CDATA[Most people don&#8217;t think about their credit score, history or report until it comes time to make a major purchase, such as a home, car or appliance. If you&#8217;ve ever been turned down due to bad credit, you may have wondered how to check your credit as well as how to improve it. Credit history [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/what-is-a-credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Do Personal Budgets Work?</title>
		<link>http://www.cheapchecks.org/blog/do-personal-budgets-work/</link>
		<comments>http://www.cheapchecks.org/blog/do-personal-budgets-work/#comments</comments>
		<pubDate>Mon, 25 Jul 2011 04:20:28 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=88</guid>
		<description><![CDATA[It does not matter if people have a lot of money, or if they have a little money to work with, everyone can benefit from creating and maintaining a personal, financial budget. People, who have a budget, have found that it is much easier to handle their finances and save money than it was when [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/do-personal-budgets-work/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Start a Financial Bills Calendar</title>
		<link>http://www.cheapchecks.org/blog/start-a-financial-bills-calendar/</link>
		<comments>http://www.cheapchecks.org/blog/start-a-financial-bills-calendar/#comments</comments>
		<pubDate>Thu, 21 Jul 2011 03:01:09 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=83</guid>
		<description><![CDATA[Money is a slippery thing. It can get away from you more quickly than you can keep track of it, especially if you have a busy life filled with rapid comings and goings. A lunch out here, a cable payment there, a new shirt there, and before you know it you can be over budget. [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/start-a-financial-bills-calendar/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Eight Ways to Spend Your Windfall</title>
		<link>http://www.cheapchecks.org/blog/eight-ways-to-spend-your-windfall/</link>
		<comments>http://www.cheapchecks.org/blog/eight-ways-to-spend-your-windfall/#comments</comments>
		<pubDate>Wed, 20 Jul 2011 03:54:17 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=80</guid>
		<description><![CDATA[If you&#8217;ve ever received a lump sum, then you know how difficult it can be to decide how to spend it. There are so many different options that you may find yourself agonizing over what to buy. Since you may not have enough money for everything you want, you&#8217;ll have to examine your priorities to [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/eight-ways-to-spend-your-windfall/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>The Fundamentals for Getting Your Finances in Order</title>
		<link>http://www.cheapchecks.org/blog/the-fundamentals-for-getting-your-finances-in-order/</link>
		<comments>http://www.cheapchecks.org/blog/the-fundamentals-for-getting-your-finances-in-order/#comments</comments>
		<pubDate>Fri, 15 Jul 2011 04:39:05 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=71</guid>
		<description><![CDATA[There are lots of fundamentals in financing that are often overlooked by people that are trying to make the most of their income. So many individuals fall into financial traps because they forget about the basics. They don’t need tons of books, videos, or seminar to become financially sound. There are lots of common sense [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/the-fundamentals-for-getting-your-finances-in-order/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>How to Travel in Luxury on a Budget</title>
		<link>http://www.cheapchecks.org/blog/how-to-travel-in-luxury-on-a-budget/</link>
		<comments>http://www.cheapchecks.org/blog/how-to-travel-in-luxury-on-a-budget/#comments</comments>
		<pubDate>Wed, 29 Jun 2011 12:58:48 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/how-to-travel-in-luxury-on-a-budget/</guid>
		<description><![CDATA[It is becoming more and more clear that travel is not as cheap as it used to be. In today’s economy, travel costs are skyrocketing, in large reason due to the rising cost of oil. The increased cost of domestic and international travel may keep some potential travelers home, but it certainly doesn’t have to. [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-to-travel-in-luxury-on-a-budget/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How Much Money Do I Need for Retirement?</title>
		<link>http://www.cheapchecks.org/blog/how-much-money-do-i-need-for-retirement/</link>
		<comments>http://www.cheapchecks.org/blog/how-much-money-do-i-need-for-retirement/#comments</comments>
		<pubDate>Thu, 09 Jun 2011 05:24:21 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=63</guid>
		<description><![CDATA[Planning for retirement may be at the bottom of your to-do list, but the sooner it gets to the top, the more assets you will have available when the time for retiring arrives. It is safe to assume that you will need around the same level of income after you retire that you need now. [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-much-money-do-i-need-for-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Hologram Checks Improve Security</title>
		<link>http://www.cheapchecks.org/blog/how-hologram-checks-improve-security/</link>
		<comments>http://www.cheapchecks.org/blog/how-hologram-checks-improve-security/#comments</comments>
		<pubDate>Wed, 08 Jun 2011 04:54:05 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Checks]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=56</guid>
		<description><![CDATA[Hologram checks are the latest security measures being put in place to help curb one of the largest challenges facing the banking industry today, check fraud. Today&#8217;s advanced technology is making it easier for counterfeiters to steal checks and simply scan and print new versions. More people than ever before are switching to hologram checks [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/how-hologram-checks-improve-security/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Order Your Checks Online</title>
		<link>http://www.cheapchecks.org/blog/why-order-your-checks-online/</link>
		<comments>http://www.cheapchecks.org/blog/why-order-your-checks-online/#comments</comments>
		<pubDate>Mon, 06 Jun 2011 04:52:51 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Checks]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=53</guid>
		<description><![CDATA[As with most other things that you need to accomplish in any given day, ordering personal checks can be done online. Although most transactions now can be done electronically, there are still times when you need a check, such as for paying the day care provider, paying the Girl Scouts for a cookie order, or [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/why-order-your-checks-online/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Know Your Financial Personality</title>
		<link>http://www.cheapchecks.org/blog/know-your-financial-personality/</link>
		<comments>http://www.cheapchecks.org/blog/know-your-financial-personality/#comments</comments>
		<pubDate>Fri, 20 May 2011 05:03:07 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/know-your-financial-personality/</guid>
		<description><![CDATA[You may or may not know your distinct financial personality in full until you learn more about the different types, but it&#8217;s certain you know what makes you most and least comfortable about money, savings, investments and risk. No matter how long you&#8217;ve been involved in handling and worrying about your money, you can always [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/know-your-financial-personality/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Magic and Myths of Compound Interest</title>
		<link>http://www.cheapchecks.org/blog/the-magic-and-myths-of-compound-interest/</link>
		<comments>http://www.cheapchecks.org/blog/the-magic-and-myths-of-compound-interest/#comments</comments>
		<pubDate>Wed, 18 May 2011 07:55:17 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Investment]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/the-magic-and-myths-of-compound-interest/</guid>
		<description><![CDATA[Understanding the power of compound interest is perhaps the most important concept that anyone can use to save and accumulate wealth. The phrase &#8220;you need money to make money&#8221; was never truer when it comes to compound interest. Compound interest can make a small pile of money turn in to a big pile of money. [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/the-magic-and-myths-of-compound-interest/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Just Testing Windows live Writer</title>
		<link>http://www.cheapchecks.org/blog/just-testing-windows-live-writer/</link>
		<comments>http://www.cheapchecks.org/blog/just-testing-windows-live-writer/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 06:09:44 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/just-testing-windows-live-writer/</guid>
		<description><![CDATA[Trying posting from my PC using Windows Live Writer. &#160; So This is a test really. &#160; Back to normal programming soon…]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/just-testing-windows-live-writer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving For a Rainy Day</title>
		<link>http://www.cheapchecks.org/blog/saving-for-a-rainy-day/</link>
		<comments>http://www.cheapchecks.org/blog/saving-for-a-rainy-day/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 04:32:52 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=27</guid>
		<description><![CDATA[Why Everyone Should Have Savings For a Rainy Day People find saving money for a rainy day one of the most difficult tasks to do. If you are one of those people, take heart, there is still hope. It is much easier to take on this responsibility than you think. It does take a discipline, [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/saving-for-a-rainy-day/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lessons From The Financial Crisis</title>
		<link>http://www.cheapchecks.org/blog/lessons-from-the-financial-crisis/</link>
		<comments>http://www.cheapchecks.org/blog/lessons-from-the-financial-crisis/#comments</comments>
		<pubDate>Fri, 25 Mar 2011 04:56:22 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=18</guid>
		<description><![CDATA[Many well-known businesses have gone under the last few years, and America is carrying the burden of huge debts. You may be worried about your financial status and what is going to happen in the future. So where do you go from here? But before you go forward, you need to look at the past [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/lessons-from-the-financial-crisis/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing In Yourself</title>
		<link>http://www.cheapchecks.org/blog/investing-in-yourself/</link>
		<comments>http://www.cheapchecks.org/blog/investing-in-yourself/#comments</comments>
		<pubDate>Fri, 25 Mar 2011 04:36:25 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[Personal]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=9</guid>
		<description><![CDATA[Investing in Yourself There are times when it&#8217;s best not to depend on big corporate employers or the stock market as a safety net for your financial survival and growth. In most times, including during a recession, it&#8217;s often much better to take the bull by the horns by taking charge and control of your [...]]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/investing-in-yourself/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Welcome to Our Personal Finance Blog</title>
		<link>http://www.cheapchecks.org/blog/welcome/</link>
		<comments>http://www.cheapchecks.org/blog/welcome/#comments</comments>
		<pubDate>Thu, 17 Feb 2011 00:37:33 +0000</pubDate>
		<dc:creator>Peter Walsh</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.cheapchecks.org/blog/?p=6</guid>
		<description><![CDATA[Welcome to my new personal finance blog.]]></description>
		<wfw:commentRss>http://www.cheapchecks.org/blog/welcome/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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