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	<title>The Discretionary Dollar</title>
	<link>http://discretionarydollar.com</link>
	<description>Making Cents of Personal Finance</description>
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		<title>The Case For Paperless</title>
		<description><![CDATA[Paper litters nearly every aspect of our life. Not only is paper a nuisance, but for every piece of paper you decide to keep, you have to organize, store and manage. What a waste of time and resources.


No related posts.]]></description>
		<link>http://discretionarydollar.com/2010/06/the-case-for-paperless/</link>
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		<title>Borrow or Buy?</title>
		<description><![CDATA[Why do we buy? Do we buy because we need to use or do we buy because we want to have?

This simple question not always has a simple answer.

Are you spending extra time and money purchasing things you could be borrowing instead? Here are a few things to consider before you hit the store next time.


Related posts:<ol><li><a href='http://discretionarydollar.com/2009/12/funding-your-fund/' rel='bookmark' title='Permanent Link: Funding your Fund'>Funding your Fund</a></li>
<li><a href='http://discretionarydollar.com/2009/11/what-is-a-replacement-fund/' rel='bookmark' title='Permanent Link: What is a Replacement Fund?'>What is a Replacement Fund?</a></li>
<li><a href='http://discretionarydollar.com/2010/01/cash-for-clutter/' rel='bookmark' title='Permanent Link: Cash for Clutter'>Cash for Clutter</a></li>
</ol>]]></description>
		<link>http://discretionarydollar.com/2010/01/borrow-or-buy/</link>
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		<title>Warren Wisdom &#124; Buffett&#8217;s Biography</title>
		<description><![CDATA[This book is about Warren Buffett's life as an investor and citizen. It details his large deals with background and insight. The book's focus is mainly on his road to wealth but also gives good insight on Buffett's character and personal relations.


No related posts.]]></description>
		<link>http://discretionarydollar.com/2010/01/warren-wisdom-buffets-biography/</link>
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		<title>Cash for Clutter</title>
		<description><![CDATA[So you have identified a few items to fund your replacement fund with. How do you turn those items into cash and grow your replacement fund?


Related posts:<ol><li><a href='http://discretionarydollar.com/2009/12/funding-your-fund/' rel='bookmark' title='Permanent Link: Funding your Fund'>Funding your Fund</a></li>
<li><a href='http://discretionarydollar.com/2009/11/what-is-a-replacement-fund/' rel='bookmark' title='Permanent Link: What is a Replacement Fund?'>What is a Replacement Fund?</a></li>
<li><a href='http://discretionarydollar.com/2010/01/borrow-or-buy/' rel='bookmark' title='Permanent Link: Borrow or Buy?'>Borrow or Buy?</a></li>
</ol>]]></description>
		<link>http://discretionarydollar.com/2010/01/cash-for-clutter/</link>
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		<title>Chuck the Checkbook</title>
		<description><![CDATA[Balancing your personal checkbook is not as necessary as it once was. In fact it's not necessary at all. Ten years ago you'd have to wait for a statement showing what checks cleared. Times have changed. Here are a few ways for you to get rid of the checkbook and the balancing chore that goes with it.



No related posts.]]></description>
		<link>http://discretionarydollar.com/2009/12/chuck-the-checkbook/</link>
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		<title>Tracking Expenses The Easy Way</title>
		<description><![CDATA[Do you wonder where your hard earned dollars get spent? Here are a few easy ways to track your expenses in just a few minutes per week.


Related posts:<ol><li><a href='http://discretionarydollar.com/2009/12/chuck-the-checkbook/' rel='bookmark' title='Permanent Link: Chuck the Checkbook'>Chuck the Checkbook</a></li>
</ol>]]></description>
		<link>http://discretionarydollar.com/2009/12/tracking-expenses-the-easy-way/</link>
			</item>
	<item>
		<title>Use Your Credit Card Without Transaction Fees or Minimums</title>
		<description><![CDATA[The biggest drawback to going cashless is the problem of uninformed merchants charging minimums or transaction fees. So are you tired of getting nickel and dimed as you go to use your credit or check cards?


Related posts:<ol><li><a href='http://discretionarydollar.com/2009/12/credit-or-debit-plastic-explained/' rel='bookmark' title='Permanent Link: Credit or Debit? Plastic Explained'>Credit or Debit? Plastic Explained</a></li>
</ol>]]></description>
		<link>http://discretionarydollar.com/2009/12/fight-the-fees-using-your-credit-or-checkcard/</link>
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		<title>Do You Trash Your Cash?</title>
		<description><![CDATA[Every family has different waste needs and your local prices may vary, but the bottom line is the less trash you produce the less you will spend on garbage service. The irony is we are paying someone to get rid of things that are of no value to us. Most household expense are for things that bring us something of value such as water, power, insurance, telephone etc. They all provide us with a service that we have determined is important to us.


Related posts:<ol><li><a href='http://discretionarydollar.com/2010/01/cash-for-clutter/' rel='bookmark' title='Permanent Link: Cash for Clutter'>Cash for Clutter</a></li>
</ol>]]></description>
		<link>http://discretionarydollar.com/2009/12/do-you-trash-your-cash/</link>
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		<title>Mutual Fund Basics</title>
		<description><![CDATA[A mutual fund is a perfect example of yet another simple concept, that has been expanded into a very complex part of personal finance. A mutual fund pools money together from thousands of small investors and then it's manager buys stocks, bonds or other securities with it. When you contribute money to a fund, you get a ownership stake in all its investments.


Related posts:<ol><li><a href='http://discretionarydollar.com/2009/11/what-is-a-replacement-fund/' rel='bookmark' title='Permanent Link: What is a Replacement Fund?'>What is a Replacement Fund?</a></li>
</ol>]]></description>
		<link>http://discretionarydollar.com/2009/12/mutual-fund-basics/</link>
			</item>
	<item>
		<title>Credit or Debit? Plastic Explained</title>
		<description><![CDATA[You might have a good idea about how your cards work, but it seems there is still a whole lot of confusion on what types of plastics are out there. Your bank sends you a card but what does it really do?


Related posts:<ol><li><a href='http://discretionarydollar.com/2009/12/fight-the-fees-using-your-credit-or-checkcard/' rel='bookmark' title='Permanent Link: Use Your Credit Card Without Transaction Fees or Minimums'>Use Your Credit Card Without Transaction Fees or Minimums</a></li>
<li><a href='http://discretionarydollar.com/2009/12/tracking-expenses-the-easy-way/' rel='bookmark' title='Permanent Link: Tracking Expenses The Easy Way'>Tracking Expenses The Easy Way</a></li>
<li><a href='http://discretionarydollar.com/2009/12/chuck-the-checkbook/' rel='bookmark' title='Permanent Link: Chuck the Checkbook'>Chuck the Checkbook</a></li>
</ol>]]></description>
		<link>http://discretionarydollar.com/2009/12/credit-or-debit-plastic-explained/</link>
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