<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Money Saving Journal</title>
	<atom:link href="http://www.moneysavingjournal.com/feed" rel="self" type="application/rss+xml" />
	<link>http://www.moneysavingjournal.com</link>
	<description>A blog about saving money</description>
	<lastBuildDate>Tue, 24 Aug 2010 06:57:38 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8.6</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<xhtml:meta xmlns:xhtml="http://www.w3.org/1999/xhtml" name="robots" content="noindex" />
		<item>
		<title>Last Legal Document</title>
		<link>http://www.moneysavingjournal.com/last-legal-document</link>
		<comments>http://www.moneysavingjournal.com/last-legal-document#comments</comments>
		<pubDate>Tue, 24 Aug 2010 06:57:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Will]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/last-legal-document</guid>
		<description><![CDATA[The last legal document you&#8217;ll create will be your will. It is your last words, that remain legally binding after you&#8217;re gone. This document will tell your family and loved ones what you have chosen to do with your remaining estate. Money, property and possessions are all included in your will, and you have the [...]]]></description>
			<content:encoded><![CDATA[<p>The last legal document you&rsquo;ll create will be your will. It is your last words, that remain legally binding after you&rsquo;re gone. This document will tell your family and loved ones what you have chosen to do with your remaining estate. Money, property and possessions are all included in your will, and you have the freedom to choose exactly what to do with all of them. This is the most important legal document you will create, as it will determine your legacy, your family&rsquo;s future, and your estate. For most people, <a href="http://www.makingawill.co.uk">making a will</a> doesn&rsquo;t take much time. Organizing details is all you&rsquo;ll need to do, along with finding an impartial witness.</p>
<p>Depending on the size of your estate, and the complexity of your financial or legal situation, the will may take longer to make. For this reason, many individuals choose to have a solicitor help them create this document. Others will do it through a bank, who will handle the final decisions regarding your estate once you past. Some even choose to do it online on their own. Regardless of your choice, it is important you make a will and consider all the factors possible. If there are any sudden changes in your life or finances, such as winning money or having another child, you should updated your will accordingly.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/last-legal-document/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Enjoy eating at Pizza Hut</title>
		<link>http://www.moneysavingjournal.com/enjoy-eating-at-pizza-hut</link>
		<comments>http://www.moneysavingjournal.com/enjoy-eating-at-pizza-hut#comments</comments>
		<pubDate>Fri, 13 Aug 2010 05:58:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Restaurant]]></category>
		<category><![CDATA[Fast food]]></category>
		<category><![CDATA[fried chicken]]></category>
		<category><![CDATA[pizza]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/enjoy-eating-at-pizza-hut</guid>
		<description><![CDATA[Pizza Hut is an American Fast Food Pizza Chain Restaurant. The Pizza Hut discount code offers discounts not only on pizza but pasta, wings, sides, salads, drinks, and desserts as well. Pizza Hut is also well known for delivering as well. All you have to do is call up your local restaurant and give them [...]]]></description>
			<content:encoded><![CDATA[<p>Pizza Hut is an American Fast Food Pizza Chain Restaurant. The <a href="http://discountvouchers.org/pizzahut.co.uk" target="_blank">Pizza Hut discount code</a> offers discounts not only on pizza but pasta, wings, sides, salads, drinks, and desserts as well. Pizza Hut is also well known for delivering as well. All you have to do is call up your local restaurant and give them your order and they will cook it and deliver it to your door for the cost of food and a nominal transportation fee. Tips are also welcome.</p>
<p> Following the lead of many other restaurants these days, Pizza hut also has a value menu that includes Stuffed Pizza Rollers, a one topping person pan pizza, and the ever popular P&rsquo;Zone Pizza. The P&rsquo;Zone is a one pound, foot long, folded piece of pizza dough that has been filled to the point of bursting with pepperoni and other meats and veggies that is served with a tasty marinara sauce. The Pizza Hut Value Menu starts at Five Dollars.</p>
<p> One item that has to be ordered from Pizza Hut is the Hershey&rsquo;s Chocolate Dunkers. It is a baked dessert topped with a mix of white chocolate and milk chocolate and served with a dipping sauce of even more milk chocolate. It&rsquo;s a decadent dessert that one would imagine finding in an upscale restaurant. It is quite good, affordable, and highly recommended.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/enjoy-eating-at-pizza-hut/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Using Money to Make Money</title>
		<link>http://www.moneysavingjournal.com/using-money-to-make-money</link>
		<comments>http://www.moneysavingjournal.com/using-money-to-make-money#comments</comments>
		<pubDate>Sat, 26 Jun 2010 06:21:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investments]]></category>
		<category><![CDATA[currency trading]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/using-money-to-make-money</guid>
		<description><![CDATA[To be part of the forex market you need will need a strategy that is not only well planned but also thought out so that you can do well at the forex trading game.&#160; Up to the minute information is also needed so that you are making well informed decisions and you need reliable data [...]]]></description>
			<content:encoded><![CDATA[<p>To be part of the<a href="http://www.forexdaily.net/"> forex</a> market you need will need a strategy that is not only well planned but also thought out so that you can do well at the forex trading game.&nbsp; Up to the minute information is also needed so that you are making well informed decisions and you need reliable data also.&nbsp; So if you have your mind set on joining this market, you should know that there are many options that can help you obtain your dream.</p>
<p>This is an excellent market to be trading gin and give you the opportunity to make a lot of money without have a lot to begin with. You can use just a few hundred dollars or you can use much more, the choice is yours. Before you jump in, watch the number for some time so that you understand what is happening and how quickly things can change. </p>
<p>This will give you an in site to the forex game way before you lay down your hard earned cash to make a real-time trade.Once you are in, you will make use of all the research and learning you have done. You might want to look into a software program as they help you keep up on what is going on in the market.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/using-money-to-make-money/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The executive option</title>
		<link>http://www.moneysavingjournal.com/the-executive-option</link>
		<comments>http://www.moneysavingjournal.com/the-executive-option#comments</comments>
		<pubDate>Fri, 11 Jun 2010 06:00:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Car Hire]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/the-executive-option</guid>
		<description><![CDATA[Travelling in style is a lot more than just paying more money for your plane ticket, hotel room  and restaurant. It&#8217;s a way of life. And more often than not, it&#8217;s also the  safest, most reliable option. For example, traveling first class on an airplane  is more than just comfort and free [...]]]></description>
			<content:encoded><![CDATA[<p>Travelling in style is a lot more than just paying more money for your plane ticket, hotel room  and restaurant. It&rsquo;s a way of life. And more often than not, it&rsquo;s also the  safest, most reliable option. For example, traveling first class on an airplane  is more than just comfort and free drinks, it&rsquo;s also a guarantee that you&rsquo;ll be  well taken care of, your luggage will be looked after and you waste less time getting on and off the plane and retrieving your luggage. A similar  thing happens with high class, luxury hotels. They&rsquo;re more expensive, but  they&rsquo;re also usually cleaner, safer, have a lot more comfort and you will most definitely be better taken care of. Expensive restaurants will give you  better food, prepared by excellent cooks that just has better quality that you  can taste.</p>
<p>So when renting a car, why not take the high road as well? <a href="http://www.advantagecarhire.co.uk/"><u>Executive car hire</u></a> companies  will provide the best, safest cars out there, not to mention the fastest and flashiest also. And it&rsquo;s more than just paying extra for a nice car,  it&rsquo;s getting better service, getting a safer car that has had better  maintenance and it&rsquo;s getting something that&rsquo;ll impress your business partner.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/the-executive-option/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Loan Repayment Period</title>
		<link>http://www.moneysavingjournal.com/loan-repayment-period</link>
		<comments>http://www.moneysavingjournal.com/loan-repayment-period#comments</comments>
		<pubDate>Thu, 03 Jun 2010 01:06:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/loan-repayment-period</guid>
		<description><![CDATA[With any loan, there is a predetermined repayment period that you will  agree upon with your lender. This period of time will depend on how  large the loan is, and the how much the monthly payments will be.  Choosing a repayment period that is right for you is important, as it  [...]]]></description>
			<content:encoded><![CDATA[<p>With any loan, there is a predetermined repayment period that you will  agree upon with your lender. This period of time will depend on how  large the loan is, and the how much the monthly payments will be.  Choosing a repayment period that is right for you is important, as it  will affect your financial future. Deciding on the length of time to  repay your loan will affect the monthly payments, which should be a  realistic amount that you can pay every month. It is important to be  sure you can make this payment every month, as there are fees and  penalties if you cannot. There are also penalties if you pay off the  loan before the repayment period is over.</p>
<p><a href="http://www.creditloan.com"><u>Loans</u></a> are extremely useful, and essential, when it comes to  the big purchases in life. Your home, your car, and your education are  just a few examples where a loan is necessary. When handled properly,  they can stabilize your financial situation, and ensure a successful  financial future. Many individuals from all walks of life rely on loans  to build their financial future. Talk with your lender about repayment  period options and what you are eligible for, details such as interest  rates can vary depending on your individual evaluation.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/loan-repayment-period/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fixing Your Credit Reports</title>
		<link>http://www.moneysavingjournal.com/fixing-your-credit-reports</link>
		<comments>http://www.moneysavingjournal.com/fixing-your-credit-reports#comments</comments>
		<pubDate>Wed, 26 May 2010 10:02:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finances]]></category>
		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/fixing-your-credit-reports</guid>
		<description><![CDATA[One way you may be able to fix your credit score is to get access to your credit reports. Simply reviewing your credit report can increase your score dramatically. Often there are many mistakes on credit reports. Many people go about life not knowing about these mistakes, therefore their credit score suffers.
 You can request [...]]]></description>
			<content:encoded><![CDATA[<p>One way you may be able to fix your credit score is to get access to your <a href="http://www.creditscorequick.com">credit reports</a>. Simply reviewing your credit report can increase your score dramatically. Often there are many mistakes on credit reports. Many people go about life not knowing about these mistakes, therefore their credit score suffers.</p>
<p> You can request a credit report easily online and it costs nothing. This will be one of the smartest moves you make. This credit report will have everything you need to know about your credit history. It will give you the reasons why your credit score is the what it is. </p>
<p> When you get your credit report you should look for two things. First, you should see if there are any mistakes from the lenders. Sometimes a lender will report that you were late on a bill or that you still owe an outstanding amount. If you can prove otherwise you can get these bad comments erased from your credit report, ultimately increasing your credit score. You should also look for suspicious activity. Many times people have their identity stolen and are not aware of it. You can see what credit cards are open in your name and if you see one that does not look familiar you can do further investigation. This will prevent identity theft and can also increase your credit score.</p>
<p> As you could see simply reviewing your credit report and fixing the problems can help you in the long run. So, make sure you take advantage of the free credit report on a yearly basis.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/fixing-your-credit-reports/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Managing Investment Risks</title>
		<link>http://www.moneysavingjournal.com/managing-investment-risks</link>
		<comments>http://www.moneysavingjournal.com/managing-investment-risks#comments</comments>
		<pubDate>Sat, 22 May 2010 18:02:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/managing-investment-risks</guid>
		<description><![CDATA[Risk is a big factor attached to every &#8211; and I mean EVERY &#8211; investment opportunity. There is no such thing as risk-free investment. There are low-risk investment opportunities, such as investing in government obligations (the only risk would be for the government or the country to collapse, and it is remotely possible with strong [...]]]></description>
			<content:encoded><![CDATA[<p>Risk is a big factor attached to every &ndash; and I mean EVERY &ndash; investment opportunity. There is no such thing as risk-free investment. There are low-risk investment opportunities, such as investing in government obligations (the only risk would be for the government or the country to collapse, and it is remotely possible with strong governments), but the return will not be as big compared to more aggressive investments. That is why managing risks very important.     If you are using professional financial advisor and receive quality expert assistances, you may not have to worry about risk management. Your financial advisor most likely follows <a href="http://www.financialadvisor.net/">investment advisor risk management guidelines</a> set by local authorities or governing institutions. In this case, all you have to do is study the guidelines and understand them. Let&rsquo;s not forget that you also have the freedom to choose the level of risks you want to take on; the financial advisor has to comply to your demands at all times, including when it comes to selecting investment opportunities.</p>
<p>Managing investments yourself, you would have to master the art of risk management inside out in order to stay on the safe side at all times. Risk management can be considered an art because it is a mixture of math and intuition. There are a lot of valuable resources you can use to help you understand risk management, including several quality books from top risk managers. Don&rsquo;t hesitate to take your time and browse through online resources as well. Once you have all the information you need, you can easily learn how to manage your risks and maximize your return.     Keep in mind that risk management also depends on where you are investing. Several areas where natural disasters are pretty common, you may need to consider adding additional protection such as insurance policies to avoid total loss.</p>
<p>That is why financial advisors in one of these areas, for example <a href="http://www.financialadvisor.net/hawaii.html">Hawaii financial advisor</a>, enforce tougher risk management guidelines to protect their customers. You can get advises and assistances in order to help you invest your money to get maximum return while still keep your risks managed.     If you don&rsquo;t manage your risks, on the other hand, you are actually exposing not only yourself but also your wealth to potential losses that can be easily avoided. That would be something you want to avoid, right? Learn more about risk management before investing your money and stay on the safe side at all times.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/managing-investment-risks/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Government Credit Card Debt Counseling</title>
		<link>http://www.moneysavingjournal.com/government-credit-card-debt-counseling</link>
		<comments>http://www.moneysavingjournal.com/government-credit-card-debt-counseling#comments</comments>
		<pubDate>Fri, 21 May 2010 16:53:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/government-credit-card-debt-counseling</guid>
		<description><![CDATA[With the weakened economy of today, it is easier than ever to find yourself becoming mired in growing debt just to maintain a decent lifestyle. As it takes more to purchase less and interest rates on the rise, dealing with unsecured debt increasingly needs one to seek some professional help to manage the burden. While [...]]]></description>
			<content:encoded><![CDATA[<p>With the weakened economy of today, it is easier than ever to find yourself becoming mired in growing debt just to maintain a decent lifestyle. As it takes more to purchase less and interest rates on the rise, dealing with unsecured debt increasingly needs one to seek some professional help to manage the burden. While commercial debt counseling is available, there are specific prerequisites required to obtain debt relief. Commercial debt counseling is geared towards unsecured debt, not secured debts like mortgages or auto loans.   To fill in the gaps left by the shortcomings of the commercial sector, the varied aspects of <a href="http://www.creditcarddebt.org">government credit card debt counseling</a> should be investigated before committing to any relief counseling program. Among the programs offered by government credit card debt counseling are courses of instruction on how to adequately balance one&#8217;s finances. Education on the laws applying to credit card debt relief is coupled with advice on how to apply them to your specific situation.</p>
<p>&nbsp;</p>
<p>Depending on the details of your credit card debt, it may be possible to arrange a lowering of the debt or a consolidation loan to provide a single, more manageable debt to focus on. There are various types available depending on the details of your debt.   As with any credit card debt counseling, the first step is to gather the data and analyze how best to deal with the totals. The debt counselor will negotiate with the various creditors to see what kind of terms they are willing to agree to for a resolution of the debt. With the agreement of your debt counselor, you may then either pay the debts off yourself or make a monthly lump sum payment to them for dispersal to your creditors. It is important to know if you are able to maintain the discipline required to perform this yourself or if you will require someone to do it for you. The essential key to reducing your debt and regaining your credit accountability lies within yourself. If you know it is still hard to do individually, it is no lessening to allow the government credit card debt counselor help you reestablish yourself financially.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/government-credit-card-debt-counseling/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Car Hire in the USA</title>
		<link>http://www.moneysavingjournal.com/car-hire-in-the-usa</link>
		<comments>http://www.moneysavingjournal.com/car-hire-in-the-usa#comments</comments>
		<pubDate>Sat, 03 Apr 2010 23:14:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Services]]></category>
		<category><![CDATA[Car Hire]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/car-hire-in-the-usa</guid>
		<description><![CDATA[Are you looking for a car hire in the United States of America? If so you can simply search online. All you need to do is type in the words car hire usa and click search. You will find many different companies that have the hires you need. Whether you are traveling for business or [...]]]></description>
			<content:encoded><![CDATA[<p>Are you looking for a car hire in the United States of America? If so you can simply search online. All you need to do is type in the words car hire usa and click search. You will find many different companies that have the hires you need. Whether you are traveling for business or pleasure, you are sure to find the vehicle hire of your choice. You will have many options when it comes to hiring a car. You could choose from different models and size vehicles. </p>
<p>There are many advantages to <a href="http://www.121carhireusa.com">car hire USA</a>. You have the option of picking up your vehicle at the airport and dropping off at a different location. This gives you a definite ride at the airport, instead of waiting for someone to pick you up. You also have the option to drop off the hire car at the same location you picked it up from. This is also convenient if you are coming in to an airport and leaving from the same airport. It will guarantee you transportation for your entire stay.</p>
<p>You will find that hiring a car in the USA is very easy indeed.&nbsp; As long as you drive carefully you will have a great holiday.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/car-hire-in-the-usa/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting Help with Debt</title>
		<link>http://www.moneysavingjournal.com/getting-help-with-debt</link>
		<comments>http://www.moneysavingjournal.com/getting-help-with-debt#comments</comments>
		<pubDate>Fri, 26 Mar 2010 13:27:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.moneysavingjournal.com/?p=82</guid>
		<description><![CDATA[There are many opinions around on how to cope with debt. On the internet there are thousands of forums that exist for the exclusive purpose of discussing debt and how to get out of it. Sometimes the information that can be found is correct and useful, but all too often it is the opposite: wrong, [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignright size-medium wp-image-83" title="business-debt119" src="http://www.moneysavingjournal.com/wp-content/uploads/2010/03/business-debt119-214x300.jpg" alt="business-debt119" width="214" height="300" />There are many opinions around on how to cope with debt. On the internet there are thousands of forums that exist for the exclusive purpose of discussing debt and how to get out of it. Sometimes the information that can be found is correct and useful, but all too often it is the opposite: wrong, unhelpful and dangerous.</p>
<p>In reality, when seeking <a href="http://www.gregorypennington.com/">debt help</a> it is best to approach the professionals who spend their working lives dealing with other people’s debts. Attempting to deal with it alone or using strategies that or based on internet myths is an obstacle course fraught with serious dangers.</p>
<p>There are many thinks to balance when developing a strategy for getting out of debt. Sometimes people think that the best way is to write off the debt through insolvency and immediately consider IVAs and bankruptcy. Indeed for some people in some situations this is indeed the best way, but there are a number of serious downsides to consider. One danger with bankruptcy is that you would be in danger of losing your home. At least with an IVA you would keep your home, but you might lose any equity you have tied up in it.  However, in both cases your credit rating will be devalued seriously and it might become impossible for you to borrow money again for a very long time. Perhaps currently you do not consider that to be a bad thing, but in today’s society it is almost impossible to live a normal life without some form of credit.</p>
<p>No doubt when you took out the loan it was your intention to repay it eventually, and if this is at all possible it is by far the best course of action. There are affordable ways to manage debt without any of the downsides of insolvency, for instance debt management plans and loan consolidation schemes can be implemented in such a way that your credit rating is not seriously damaged. Only by seeking debt help from the professionals will you be able to find the best way out of debt for you.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.moneysavingjournal.com/getting-help-with-debt/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
