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	<title>Latest Finance News &#187; Personal FInance</title>
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		<title>I Don&#039;t Have The Money &#8211; Top 5 Tips To Manage Your Money Better</title>
		<link>http://refugeintl.org/i-dont-have-the-money-top-5-tips-to-manage-your-money-better.html</link>
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		<pubDate>Wed, 08 Feb 2012 16:47:30 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Personal FInance]]></category>
		<category><![CDATA[Manage Money]]></category>

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		<description><![CDATA[Not having enough money is the next excuse we are going to smash in our &#8220;I DON&#8217;T HAVE THE&#8230;&#8230;.&#8221; series of articles identifying the causes of in-activity and helping you find your way around them. Money is all powerful, we need it to survive in the world and although some people place more importance on [...]]]></description>
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		<title>Personal Finance &#8211; Three Personal Finance Guidelines For Achieving Financial Freedom</title>
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		<comments>http://refugeintl.org/personal-finance-three-personal-finance-guidelines-for-achieving-financial-freedom.html#comments</comments>
		<pubDate>Tue, 07 Feb 2012 04:46:48 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Personal FInance]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[Personal Finance Guidelines]]></category>

		<guid isPermaLink="false">http://www.refugeintl.org/?p=1138</guid>
		<description><![CDATA[I am sharing these personal finance guidelines for anyone who wants to achieve financial freedom. Of course, everyone wants to have financial freedom&#8230;but wanting it is not always enough. You also have to be willing to do the work and (more importantly) to learn what is really going to produce results. These strategies for increasing [...]]]></description>
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		<title>Money &#8211; Needs and Wants &#8211; Know the Difference</title>
		<link>http://refugeintl.org/money-needs-and-wants-know-the-difference.html</link>
		<comments>http://refugeintl.org/money-needs-and-wants-know-the-difference.html#comments</comments>
		<pubDate>Sun, 05 Feb 2012 16:48:06 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Personal FInance]]></category>
		<category><![CDATA[Money Wants]]></category>
		<category><![CDATA[needs and wants money]]></category>
		<category><![CDATA[Needs Money]]></category>

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		<description><![CDATA[When it comes to money, many people have a very difficult time determining between their needs and wants. This would be very important, especially if you are not saving any money or even having a hard time buying all of your bills. Needs Needs are anything that you have to have in order to live. [...]]]></description>
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		<title>How to Make Use of Personal Finance Budgeting For a Happier Lifestyle</title>
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		<comments>http://refugeintl.org/how-to-make-use-of-personal-finance-budgeting-for-a-happier-lifestyle.html#comments</comments>
		<pubDate>Sun, 05 Feb 2012 04:46:26 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Personal FInance]]></category>
		<category><![CDATA[Personal Finance Budgeting]]></category>

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		<description><![CDATA[The main purpose of budgeting is to ensure that you maximize your income and spend it on the essentials in so far as possible, and by stating your income along with your needs/expenses then you will get a better idea of what areas you can slash to cut costs. Budgeting forces you to be responsible [...]]]></description>
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		<title>How To Use A CD Calculator</title>
		<link>http://refugeintl.org/how-to-use-a-cd-calculator.html</link>
		<comments>http://refugeintl.org/how-to-use-a-cd-calculator.html#comments</comments>
		<pubDate>Mon, 14 Nov 2011 18:30:09 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Personal FInance]]></category>
		<category><![CDATA[Calculator]]></category>

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		<description><![CDATA[When reviewing Certificate of Deposit (CD) offers from banks, you can use a CD calculator to evaluate these offers to see what is the best one for you. A CD calculator uses data about the CD to illustrate to you which offer is the right one for you. In this article we will look at [...]]]></description>
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		<title>Instant Cash Loan- Cash at Footsteps</title>
		<link>http://refugeintl.org/instant-cash-loan-cash-at-footsteps.html</link>
		<comments>http://refugeintl.org/instant-cash-loan-cash-at-footsteps.html#comments</comments>
		<pubDate>Sat, 12 Nov 2011 18:34:13 +0000</pubDate>
		<dc:creator>Alex Bhaswara</dc:creator>
				<category><![CDATA[Personal FInance]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[Footsteps]]></category>
		<category><![CDATA[Instant]]></category>
		<category><![CDATA[loan]]></category>

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		<description><![CDATA[Sometimes an unpredictable incident cope up in the middle or end of the month and leave you in a situation where you need extra cash to meet some your urgent expenses. These problems should not be abandoned or put off because sometimes small problems can also create disasters in your life. You would try to [...]]]></description>
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