<?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>Spare Change</title>
	<atom:link href="http://www.fepsac.org/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.fepsac.org</link>
	<description>A Guide To Personal Finance</description>
	<lastBuildDate>Thu, 06 Oct 2011 10:34:46 +0000</lastBuildDate>
	<language>en-US</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.5.1</generator>
		<item>
		<title>Winning Big Playing Online Poker</title>
		<link>http://www.fepsac.org/winning-big-playing-online-poker/</link>
		<comments>http://www.fepsac.org/winning-big-playing-online-poker/#comments</comments>
		<pubDate>Sat, 24 Sep 2011 21:47:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=43</guid>
		<description><![CDATA[Image via Wikipedia We&#8217;re all looking for ways to supplement our income and earn some extra money. Many people are turning to online poker games in hopes of winning big and scoring bonuses they can cash in on. Poker is one of the most popular casino games, with millions of people playing each day. Here [...]]]></description>
				<content:encoded><![CDATA[<div class="zemanta-img" style="margin: 1em; float: right; display: block; width: 310px;">
<p><img style="border: medium none; display: block;" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/0b/Noche_de_Poker.jpg/300px-Noche_de_Poker.jpg" alt="Poker table" width="300" height="225" /></p>
<p class="zemanta-img-attribution" style="font-size: 0.8em; text-align: center;">Image via Wikipedia</p>
</div>
<p>We&#8217;re all looking for ways to supplement our income and earn some extra money. Many people are turning to online poker games in hopes of winning big and scoring bonuses they can cash in on. Poker is one of the most popular casino games, with millions of people playing each day.</p>
<p>Here is something that many people don&#8217;t always know. You won&#8217;t always have to spend money to win prizes on online casino games. You&#8217;d be surprised at the amount of poker websites that will set up hundreds of freeroll tournaments and online casino bonuses. This will give people the opportunity to win money without having to pay to sign for the tournament.</p>
<p>Here are some tips to winning big playing online poker.</p>
<p><strong>Find a Client</strong></p>
<p>There are different poker websites out there that allow players to win a good amount of money. In most cases you&#8217;ll have to download the specific software needed to get in on the tournaments. Create your account, start the program and choose the lobby of your choice and start playing.</p>
<p><strong>Freeroll Games</strong></p>
<p>Browse through and find where it says freeroll games. Freeroll is a tournament that allows players to try to win money without having to put any money down. To make the search easier, go ahead and filter out everything other than the freeroll games.</p>
<p><strong>Do well in the Tournament</strong></p>
<p>Since 180 to 12,000 players tend to jump in on freeroll games, it&#8217;s important to do well in the tournament. Even with all these players it&#8217;s still possible for you to win. Even if you don&#8217;t win you won&#8217;t be out any money since it was absolutely free to join.</p>
<div class="zemanta-pixie" style="margin-top: 10px; height: 15px;"><img class="zemanta-pixie-img" style="border: medium none; float: right;" src="http://img.zemanta.com/pixy.gif?x-id=f5f6e19b-8ee8-4d92-8ddd-3371bf82b8b9" alt="" /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/winning-big-playing-online-poker/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Leverage is Used in Forex</title>
		<link>http://www.fepsac.org/how-leverage-is-used-in-forex/</link>
		<comments>http://www.fepsac.org/how-leverage-is-used-in-forex/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 07:45:32 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=45</guid>
		<description><![CDATA[Leverage is beneficial to both investors and financial institutions. Banks use funds that are deposited in accounts of their customers, or other forms of borrowed money, to purchase stocks and invest in other companies. When the exchange rates in other countries shift, the possibility for increased leverage rises for investors. The main reason that UFX [...]]]></description>
				<content:encoded><![CDATA[<div class="zemanta-img" style="margin: 1em; display: block;">
<div class="wp-caption alignright" style="width: 310px"><img title="Main foreign exchange market turnover, 1988–20..." src="http://upload.wikimedia.org/wikipedia/commons/thumb/a/a3/G_foreign_exchange_market_turnover.gif/300px-G_foreign_exchange_market_turnover.gif" alt="Main foreign exchange market turnover, 1988–20..." width="300" height="207" /><p class="wp-caption-text">Image via Wikipedia</p></div>
</div>
<p>Leverage is beneficial to both investors and financial institutions. Banks use funds that are deposited in accounts of their customers, or other forms of borrowed money, to purchase stocks and invest in other companies.</p>
<p>When the exchange rates in other countries shift, the possibility for increased leverage rises for investors. The main reason that UFX Markets Trading is so popular among investors is because of this principle, and it offers the highest returns as a result of leverage.</p>
<p>The three options from brokers in terms of leverage are 200:1, 100:1, or 50:1, based on how much money is being invested. This is a great option when compared to the 15:1 average leverage on futures investments, or 2:1 on equities investments. However, the risk is much higher due to the drastic changes in the currency market, so investors must take this into consideration before investing a large chunk of their income.</p>
<p>Many investors are now choosing to place their funds in the foreign exchange market, since the potential returns are high. More than 3 trillion dollars are exchanged daily, almost all of it online. The main exchanges are hosted in London, Hong Kong, Zurich, Sydney, and New York, but trading can be done 24 hours a day, five days a week.</p>
<p>Leverage is a key role in investing in foreign exchange currency. Investing this way can be very profitable, but like most high-return investments, it also carries a fair amount of risk. Brokers who are trained in this market can be worth their weight in gold, as they will be able to keep track of every change and fluctuation in the exchange rates. Those who are able to use these services will typically see the best possible returns.</p>
<div class="zemanta-pixie" style="margin-top: 10px; height: 15px;"><img class="zemanta-pixie-img" style="border: medium none; float: right;" src="http://img.zemanta.com/pixy.gif?x-id=c4d01321-fdea-405d-a410-5cbb7f5c9124" alt="" /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/how-leverage-is-used-in-forex/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Tips in Applying for Car Financing</title>
		<link>http://www.fepsac.org/3-tips-in-applying-for-car-financing/</link>
		<comments>http://www.fepsac.org/3-tips-in-applying-for-car-financing/#comments</comments>
		<pubDate>Tue, 06 Sep 2011 12:32:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Automobile]]></category>
		<category><![CDATA[Financial services]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=37</guid>
		<description><![CDATA[When you decide that you want to buy a new vehicle, one of the first things you need to decide is how you&#8217;re going to pay for it. There are many financing options. Ask yourself which one you&#8217;ll pursue to meet your needs. &#160; Applying for Financing for Your Vehicle Purchase Know what type of [...]]]></description>
				<content:encoded><![CDATA[<p>When you decide that you want to buy a new vehicle, one of the first things you need to decide is how you&#8217;re going to pay for it. There are many</p>
<div class="wp-caption alignright" style="width: 167px"><img class="  " src="http://cache.daylife.com/imageserve/0cxM1wR5TobaA/x610.jpg" alt="" width="157" height="243" /><p class="wp-caption-text">Image by Getty Images via @daylife</p></div>
<p>financing options. Ask yourself which one you&#8217;ll pursue to meet your needs.</p>
<p>&nbsp;</p>
<p><strong>Applying for Financing for Your Vehicle Purchase</strong></p>
<ol>
<li>Know what type of vehicle you&#8217;re interested in buying      before you begin to apply for financing. Keep all the options in mind,      because prices can differ between automatic cars and those with manual transmissions, vehicles with two doors and four      doors, and so on. Knowing how much money you&#8217;re willing to spend is the      first step in ensuring that you get the right amount of financing to meet      your needs.</li>
<li>Shop around for different financing options rather than      choosing the first option that you receive. Terms and conditions vary, so      shop around. Remember that you&#8217;re in no rush to make a purchase. Take your      time and explore your options before settling on one type of financing.</li>
<li>Negotiate when possible. Most lenders are willing to      work with you if you have some leverage such as good credit or collateral      of some kind. If you have a bargaining chip, then you should use it to your      advantage.</li>
</ol>
<p>These three tips will help you find the right vehicle financing, whether you find a vehicle through Carcraft, a dealer, or someplace else. Being smart about your financing options will go a long way toward getting you the best possible deal.</p>
<div class="zemanta-pixie" style="margin-top: 10px; height: 15px;"><img class="zemanta-pixie-img" style="border: medium none; float: right;" src="http://img.zemanta.com/pixy.gif?x-id=9ea59f61-4218-4a11-8d28-2fc928e15537" alt="" /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/3-tips-in-applying-for-car-financing/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Advantages of Emergency Loans</title>
		<link>http://www.fepsac.org/3-advantages-of-emergency-loans/</link>
		<comments>http://www.fepsac.org/3-advantages-of-emergency-loans/#comments</comments>
		<pubDate>Thu, 25 Aug 2011 14:53:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Loan]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=33</guid>
		<description><![CDATA[There are three advantages to using one of the popular emergency loan lenders. Firstly, you do not have to swallow your pride. Secondly, they are quick. Thirdly, they may help you save money. Most people have gone through a period in life where they just can not get their money situation straightened out. First the [...]]]></description>
				<content:encoded><![CDATA[<div class="wp-caption alignnone" style="width: 310px"><img class=" " src="http://farm2.static.flickr.com/1268/1058204843_32496fe28c.jpg" alt="" width="300" height="225" /><p class="wp-caption-text">Image by lalunablanca via Flickr</p></div>
<p>There are three advantages to using one of the popular emergency loan lenders. Firstly, you do not have to swallow your pride. Secondly, they are quick. Thirdly, they may help you save money.</p>
<p>Most people have gone through a period in life where they just can not get their money situation straightened out. First the car breaks down, then hours are cut at work. Then a tree branch falls through the window the same day as the dryer breaks down. Family and friends are always there to help when you need it, but you never want to feel like you can&#8217;t take care of yourself and have to beg your relations for money. Heaven forbid you need a loan from a brother who never hesitates to let you know how much more financially secure he is. Cash lenders online, on the other hand, do not expect you to humble yourself for the cash.</p>
<p>If you need money quick, emergency loans can provide you with the cash you need without a lot of hassle and paperwork. You can stop in at the lender&#8217;s office and bring the needed funds home with you immediately, or perhaps have access to them the following day.</p>
<p>A cash advance can save your family money by allowing you to take advantage of a great deal. For example, if you own a twenty-five-year-old dryer, it is not energy efficient. It requires new belts every other month. It is not reliable. When an appliance store offers close-out deals on a new energy-star rated dryer, you can take advantage of the deal and save money in the long run.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/3-advantages-of-emergency-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tips to Avoiding Bankruptcy</title>
		<link>http://www.fepsac.org/tips-to-avoiding-bankruptcy/</link>
		<comments>http://www.fepsac.org/tips-to-avoiding-bankruptcy/#comments</comments>
		<pubDate>Mon, 25 Jul 2011 19:43:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=21</guid>
		<description><![CDATA[Managing personal finances can be a daunting prospect, but you don’t have to be an accountant or professional finance guru to be the master of your checkbook. Simple planning and budgeting tips can help jumpstart a lifestyle of smart financial planning that will help you avoid bankruptcy, manage expense, avoid installment loans and even build wealth [...]]]></description>
				<content:encoded><![CDATA[<p>Managing personal finances can be a daunting prospect, but you don’t have to be an accountant or professional finance guru to be the master of your checkbook. Simple planning and budgeting tips can help jumpstart a lifestyle of smart financial planning that will help you avoid bankruptcy, manage expense, avoid installment loans and even build wealth for the future.</p>
<p><strong>Track It</strong></p>
<p>The first step to being fiscally savvy and avoiding bankruptcy is identifying all of the outgoing expenses and measuring those expenses against your income. This is the only way to see your entire financial picture and to start eliminating items that could lead to hardship. Start out small; make a list of daily expenses, followed by weekly and then monthly expenses. Create a spreadsheet with this data, or better yet, take advantage of the free online financial tracking tools out there and maintain this list, updating your expenses regularly.</p>
<p><strong>Identify It</strong></p>
<p>Tracking your expenses will help you identify where your money is being spent and will help you to determine where to eliminate unnecessary expenditures such as an unused gym membership or a daily trip to the local coffee shop. Evaluate your credit card debt and consider steps to help you more easily pay off those balances. Are you paying high interest rates? Contact your creditor and request a lower rate. Are you paying annual fees?  Consider transferring your balance to a credit card that has no annual fee. Compare the features of credit cards to ensure you are getting the best deal available.</p>
<p><strong>Save It</strong></p>
<p>Review each expense and see where there are real opportunities to save. Even the smallest adjustments can have a big impact on your budget such as lunch out a few days a week, versus bringing lunch from home.</p>
<div class="zemanta-pixie" style="margin-top: 10px; height: 15px;"><img class="zemanta-pixie-img" style="border: medium none; float: right;" src="http://img.zemanta.com/zemified_e.png?x-id=47433947-8e43-4a75-8b54-d091ee88aa96" alt="Enhanced by Zemanta" /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/tips-to-avoiding-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Leading Financial Providers</title>
		<link>http://www.fepsac.org/4-leading-financial-providers/</link>
		<comments>http://www.fepsac.org/4-leading-financial-providers/#comments</comments>
		<pubDate>Mon, 18 Jul 2011 14:03:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Investments]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=18</guid>
		<description><![CDATA[If you’re looking for high-valued financial institutions, you could do worse than to consider the following. With a couple of leaders in online services and well-known banks, these providers are certainly leaders. Make note of these providers if you haven’t considered their services. One interesting pick is Payday One, a leader in payday loans. With [...]]]></description>
				<content:encoded><![CDATA[<p>If you’re looking for high-valued financial institutions, you could do worse than to consider the following. With a couple of leaders in online services and well-known banks, these providers are certainly leaders. Make note of these providers if you haven’t considered their services.</p>
<p>One interesting pick is Payday One, a leader in payday loans. With their Great Rate Guarantee and lightning-fast service, it is no wonder that they are a leader in what they do, whether it&#8217;s cash loans that work well for unexpected expenses or other needs. You should keep them in mind if you need a loan.</p>
<p>Chase bank is no surprise as a leading financial provider. With an array of financial services, from checking accounts to credit cards and loans, they can serve many financial needs. They’re on the cutting edge of technology, providing an iPhone app which enables users to cash checks without entering a bank.</p>
<p>ING Direct is an online bank that is not to be underestimated. You can choose to use their checking, savings, and other accounts and services, completely online. They make running your budget easy, with great rates and a great interface.</p>
<p>ShareBuilder is the final choice for a leading financial provider. They offer the ability to invest easily in the stock market. For beginning and advanced investors alike, it is an easy-to-use website that takes advantage of the Internet.</p>
<p>These are just a few financial providers that are leaders in what they do. Keep these and others in mind for your financial needs; you just might uncover a gem that will work perfectly for you.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/4-leading-financial-providers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Panic With Your Investments</title>
		<link>http://www.fepsac.org/dont-panic-with-your-investments/</link>
		<comments>http://www.fepsac.org/dont-panic-with-your-investments/#comments</comments>
		<pubDate>Fri, 15 Jul 2011 19:38:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[Certificate of deposit]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Mutual fund]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=25</guid>
		<description><![CDATA[&#160; Image via Wikipedia Before you panic and start moving around your personal investments, take a deep breath. Sensationalized news reports and paranoid friends can lead you to believe the American dollar is on the brink of worldwide extinction. Not so. Even though many foreign currencies are gaining strength, many foreign banks use dollars to [...]]]></description>
				<content:encoded><![CDATA[<div class="zemanta-img" style="margin: 1em; float: right; width: 310px;"><img style="border: none;" src="http://upload.wikimedia.org/wikipedia/commons/thumb/1/1d/United_States_one_dollar_bill%2C_reverse.jpg/300px-United_States_one_dollar_bill%2C_reverse.jpg" alt="The United States one dollar note, like all ot..." width="300" height="133" />&nbsp;</p>
<p class="zemanta-img-attribution" style="font-size: 0.8em;">Image via Wikipedia</p>
</div>
<p>Before you panic and start moving around your personal investments, take a deep breath. Sensationalized news reports and paranoid friends can lead you to believe the American dollar is on the brink of worldwide extinction. Not so. Even though many foreign currencies are gaining strength, many foreign banks use dollars to back their own money.</p>
<h3>Proceed Through Your Investments With Caution</h3>
<p>Although it&#8217;s popular to believe that American stocks, bonds and mutual funds are in a bad way, they are actually doing better than many international mutual funds. The fact that this is true is a pretty good sign that the American dollar is still pretty strong. Historically, currencies will rise and fall, but it takes a major financial disaster for a currency to disappear.</p>
<p>If you&#8217;re concerned about unstable stocks, then move your money to bonds. There are many government, and even municipal, bonds that are looking for investors. The payoff potential is not as good, but the stability is better. If you prefer to keep your money in a simple holding pattern until things improve, then a simple savings account or certificates of deposit are always a very safe bet. Your deposits in American banks are insured up to $250,000. Savings accounts are safe.</p>
<h3>Keep Your Personal Finances in Check</h3>
<p>If you expect your government and the companies you hold stock in to keep their finances in check, then do the same with your personal money. It takes the entire population to stabilize an economy, so practice a little austerity and cut your frivolous spending. Lower your personal expenses, and be cautious with your budgeting. Even in great financial times, the wealthiest people always practice financial responsibility.  That&#8217;s why they&#8217;re wealthy.</p>
<div class="zemanta-pixie" style="margin-top: 10px; height: 15px;"><img class="zemanta-pixie-img" style="border: medium none; float: right;" src="http://img.zemanta.com/zemified_e.png?x-id=aff47924-0910-4279-aa55-8d7793e87e4a" alt="Enhanced by Zemanta" /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/dont-panic-with-your-investments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Teach Kids How To Save Their Money</title>
		<link>http://www.fepsac.org/teach-kids-how-to-save-their-money/</link>
		<comments>http://www.fepsac.org/teach-kids-how-to-save-their-money/#comments</comments>
		<pubDate>Fri, 08 Jul 2011 19:38:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Savings account]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=24</guid>
		<description><![CDATA[&#160; Image via Wikipedia Kids love to make money. Whether it&#8217;s a group of seven-year olds with a lemonade stand or a sixteen year old with his first real job, they want to make money and spend it. Before the spending gets out of hand, teach your kids to save money. Every child needs a [...]]]></description>
				<content:encoded><![CDATA[<div class="zemanta-img" style="margin: 1em; float: right; width: 265px;"><img style="border: none;" src="http://upload.wikimedia.org/wikipedia/commons/6/63/USCurrency_Federal_Reserve.jpg" alt="Various Federal Reserve Notes, c.1995. Only th..." width="255" height="416" />&nbsp;</p>
<p class="zemanta-img-attribution" style="font-size: 0.8em;">Image via Wikipedia</p>
</div>
<p>Kids love to make money. Whether it&#8217;s a group of seven-year olds with a lemonade stand or a sixteen year old with his first real job, they want to make money and spend it. Before the spending gets out of hand, teach your kids to save money. Every child needs a savings account, and as they get older, they should have a checking account. If they have both, you can teach them about personal finance and budgeting.</p>
<h3>Split the Income</h3>
<p>Before your child starts working, sit down and help them create a budget based on their personal goals. The goals may be something as simple as new shoes, or they may include a car. No matter what your child wants to spend his money on, he needs to understand that getting the things he wants requires him to save his money and be patient.</p>
<p>Help your child come up with a percentage for checking and percentage of savings. Explain that this is a budgeting practice that allows him to save for important things while still having spending money. If you can get a kid to save when he&#8217;s young, he&#8217;s more likely to continue to save as he gets older.</p>
<h3>The Value of Hard Earned Money</h3>
<p>If your child has big goals, like a car, make sure he understands that it is a huge investment that comes with big responsibilities. He needs to understand which expenses come with owning a car. Recommend that he put money for insurance, maintenance and repairs in savings. Have him put gas money in his checking account. He&#8217;ll learn to budget the gasoline very quickly.</p>
<p>Cars are the best way to teach a kid how to save because a car is such a valuable resource for teenagers.</p>
<div class="zemanta-pixie" style="margin-top: 10px; height: 15px;"><img class="zemanta-pixie-img" style="border: medium none; float: right;" src="http://img.zemanta.com/zemified_e.png?x-id=f084125a-c1c8-44f5-9913-e71e94e89f5c" alt="Enhanced by Zemanta" /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/teach-kids-how-to-save-their-money/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Increase Your Bottom Line on Lower Income</title>
		<link>http://www.fepsac.org/increase-your-bottom-line-on-lower-income/</link>
		<comments>http://www.fepsac.org/increase-your-bottom-line-on-lower-income/#comments</comments>
		<pubDate>Thu, 30 Jun 2011 19:38:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit card]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.fepsac.org/?p=23</guid>
		<description><![CDATA[&#160; Image via Wikipedia Even if you lose your high paying job and have to live on a lower income, it is still possible to increase your bottom line. This means you have more money in your account after you pay all the bills. There are a few personal finance tricks that can keep you [...]]]></description>
				<content:encoded><![CDATA[<div class="zemanta-img" style="margin: 1em; float: right; width: 310px;"><img style="border: none;" src="http://upload.wikimedia.org/wikipedia/commons/thumb/9/98/Creditcard.jpg/300px-Creditcard.jpg" alt="Creditcard" width="300" height="225" />&nbsp;</p>
<p class="zemanta-img-attribution" style="font-size: 0.8em;">Image via Wikipedia</p>
</div>
<p>Even if you lose your high paying job and have to live on a lower income, it is still possible to increase your bottom line. This means you have more money in your account after you pay all the bills. There are a few personal finance tricks that can keep you living at your preferred comfort level.</p>
<h3>Eat at Home</h3>
<p>If you eat at home and cut your restaurant expenses, you may see as much as $100 in your checking account at the end of the week. If you don&#8217;t know how to cook, it&#8217;s time to learn some basic skills. Ask a friend to teach you or find a good online cooking site. Cooking is easier than you think, and you can eat the same meal you get at your favorite restaurant for a fraction of the cost.</p>
<h3>Cut Up Your Credit Cards</h3>
<p>You only need one credit card for emergencies. Dont&#8217; even carry it with you. If you ever had to buy anything on credit, chances are you didn&#8217;t need it in the first place. Learn to pay cash for the fun stuff like new clothes or trips. If you can&#8217;t pay cash, then start a personal savings account and earn it the old-fashioned way.</p>
<h3>Just Say &#8220;No&#8221;</h3>
<p>Don&#8217;t feel guilty if you have to tell the 20 charitable organizations that call you nightly you can&#8217;t give to their causes. It does you no good to help others while your own income is in peril. Pick one favorite charity, and cut what you give them until things start to look up for you.</p>
<p>The simplest way to increase the bottom line is to never live above your means.</p>
<div class="zemanta-pixie" style="margin-top: 10px; height: 15px;"><img class="zemanta-pixie-img" style="border: medium none; float: right;" src="http://img.zemanta.com/zemified_e.png?x-id=1bf38b7c-1b19-400a-8724-0752b1ac1c41" alt="Enhanced by Zemanta" /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.fepsac.org/increase-your-bottom-line-on-lower-income/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
