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	<title>Financial Fitness Pro Forum &#187; by Paul Richard</title>
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		<title>10 Rules for Personal Finance</title>
		<link>http://www.financialfitnesspro.com/blog/10-rules-for-personal-finance/</link>
		<comments>http://www.financialfitnesspro.com/blog/10-rules-for-personal-finance/#comments</comments>
		<pubDate>Sat, 22 Jul 2006 06:24:33 +0000</pubDate>
		<dc:creator>Meedayfliella</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[by Paul Richard]]></category>

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		<description><![CDATA[by Paul Richard, Executive Director of ICFE
1)  Manage your expenses                  so they don&#8217;t exceed your income.
2)  Spend money thinking of your future as well as your present.
3)  Begin saving early to take advantage of compound interest.
4)  Avoid collecting <a href="http://www.financialfitnesspro.com/blog/10-rules-for-personal-finance/" class="more-link">More &#62;</a>]]></description>
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		<title>How to Develop Improved Spending</title>
		<link>http://www.financialfitnesspro.com/blog/how-to-develop-improved-spending/</link>
		<comments>http://www.financialfitnesspro.com/blog/how-to-develop-improved-spending/#comments</comments>
		<pubDate>Thu, 20 Jul 2006 05:57:50 +0000</pubDate>
		<dc:creator>Meedayfliella</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[by Paul Richard]]></category>

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		<description><![CDATA[by Paul Richard, RFC &#8211; ICFE&#8217;s Executive Director
1. Write down all of the poor spending practices that you need and want to change.
2. Write down how you plan to bring about the changes in each area.
3. Construct a cash-flow sheet showing income and outgo.
4. Set up and implement a spending-plan
5. Discontinue borrowing and use of <a href="http://www.financialfitnesspro.com/blog/how-to-develop-improved-spending/" class="more-link">More &#62;</a>]]></description>
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