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	<title>Pinoy Smart Life</title>
	<link>http://pinoysmartlife.com</link>
	<description>Personal Finance, Family and Career</description>
	<lastBuildDate>Sat, 02 Jan 2010 17:22:48 +0000</lastBuildDate>
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		<title>My New Year&#8217;s Resolution</title>
		<description><![CDATA[It&#8217;s a New Year once again. We&#8217;ve done the celebration. We&#8217;ve done the fireworks. We&#8217;ve done the eating. However, the new year doesn&#8217;t only mean eating and fireworks. It means a start of something new for each and everyone of us. That&#8217;s what new year&#8217;s resolutions are for.
My new year&#8217;s resolutions for this year are [...]]]></description>
		<link>http://pinoysmartlife.com/585/my-new-years-resolution</link>
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		<title>Why Married People are Richer than Single Individuals</title>
		<description><![CDATA[I&#8217;ve never been married. I am single. And no. Getting married to become richer isn&#8217;t in any of my plans. However, why is it that married people are indeed richer than single individuals? Here are a few points that I see. Let me see if you agree with me.
Married individuals&#8217;s costs are paid by two [...]]]></description>
		<link>http://pinoysmartlife.com/581/why-married-people-are-richer-than-single-individuals</link>
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		<title>50 Ways To Save Money You Might Not Even Know About</title>
		<description><![CDATA[
People never read the introductions anyway.
100 ways to save money

Shop after the holidays
Conserve Water
Grow your own vegetables
Ask your bank for a debt repayment plan
Stop playing the lottery
Buy in bulk
automate bills payment
Try home remedies
Quit Drinking often
Quit smoking
Avoid convenience stores
Make your own detergent
Use a clothesline for drying
Read
Buy with quality in mind
Buy less clothes
Do it Yourself
Don&#8217;t watch television
Wash [...]]]></description>
		<link>http://pinoysmartlife.com/565/save-money</link>
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		<title>Personal Goal Achievement</title>
		<description><![CDATA[Goals are outcomes, changes or desired end results that can be expected from doing certain tasks and activities.
Most people have goals. It&#8217;s entirely natural for someone to want to achieve something he or she likes. For example, I would like to be a general manager or a business owner someday. A friend of mine likes [...]]]></description>
		<link>http://pinoysmartlife.com/238/personal-goal-achievement</link>
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		<title>How To Wash Your Hair Without Shampoo</title>
		<description><![CDATA[I&#8217;ve been looking into doing a lot of lifestyle changes in my life lately. I&#8217;ve come up with watering down the shampoo since I often use more than I used to. I&#8217;ve also ended up planting some vegetables at home to save more on food. Another attempt at living the frugal lifestyle is aimed at [...]]]></description>
		<link>http://pinoysmartlife.com/278/how-to-wash-your-hair-without-shampoo</link>
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		<title>The Myth About Millionaires</title>
		<description><![CDATA[If you&#8217;ve read the book, The Millionaire Next Door, you&#8217;d probably know what I am trying to say. Stanley and Danko, the authors of The Millionaire Next Door breaks the pop culture concept of how millionaires are. When people think of millionaires, we think:

The guy who just got off from the Lexus.
The woman who&#8217;s just [...]]]></description>
		<link>http://pinoysmartlife.com/221/the-myth-about-millionaires</link>
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		<title>Invest in Yourself</title>
		<description><![CDATA[
How are your investments doing?
Are they earning money?
Are you receiving dividends?
Are you receiving additional shares?
If yes, then that&#8217;s good. If not, then probably you can still invest in other things &#8212; like yourself.
Investing money in mutual funds, buying retail bonds and buying a franchise are very common. But how many people you know invest in [...]]]></description>
		<link>http://pinoysmartlife.com/492/invest-in-yourself</link>
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		<title>Thinking of Working as a Freelancer?</title>
		<description><![CDATA[Flexible work hours,flexible work location, constant improvement of skills, no uniforms and being in charge. Wow, that would be life at it&#8217;s best. Wouldn&#8217;t it be great if you can just fire your boss and call it &#8216;quits&#8217;?
Freelancing is defined as selling a service to clients without an employment contract. Most of the jobs are [...]]]></description>
		<link>http://pinoysmartlife.com/243/thinking-of-working-as-a-freelancer</link>
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		<title>Keys to Success</title>
		<description><![CDATA[I have just been listening to an audio file of The Science of Getting Rich. It talks about getting rich as a science. It also presents the theory of how doing things in a certain way will make you rich.
I am a very proactive guy and have tried out Steve Pavlina&#8217;s intention manifestation approach to [...]]]></description>
		<link>http://pinoysmartlife.com/240/keys-to-success</link>
			</item>
	<item>
		<title>Build An Emergency Fund</title>
		<description><![CDATA[
Last month, we had an emergency.
Financial emergencies happen. It doesn&#8217;t matter who you are, how old you are or where you are. They happen when we least expect them. And, they usually cost money.
In this post, we will outline why and how to start an emergency fund.
What is an emergency fund?
An emergency fund is an [...]]]></description>
		<link>http://pinoysmartlife.com/485/build-an-emergency-fund</link>
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