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	<title>MakingOverMyMoney.com</title>
	<link>http://makingovermymoney.com</link>
	<description>Join the journey to making over my money - and make over yours in the process!</description>
	<lastBuildDate>Thu, 07 Jan 2010 19:17:16 +0000</lastBuildDate>
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		<title>A New Car</title>
		<description><![CDATA[On December 30 we purchased a new car. And I mean NEW as in 2010 new. I&#8217;ve never bought a new car before &#8211; I am one that says (and completely believes!) that the moment you drive a car off the lot it loses value. Who knows how scientific that thought is, but it has [...]]]></description>
		<link>http://makingovermymoney.com/2010/a-new-car</link>
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		<title>Kids Allowances</title>
		<description><![CDATA[
 photo credit: Travis Seitler
My kids are young but get an allowance and have for a couple of years now. I am not the greatest about actually paying them, but I keep track in an excel spreadsheet so they are kept up to date. I don&#8217;t give them an allowance based on chores &#8211; I [...]]]></description>
		<link>http://makingovermymoney.com/2010/kids-allowances</link>
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		<title>Holiday 2009 Spending</title>
		<description><![CDATA[The 2009 holiday season was by far the *best* I&#8217;ve ever had financial wise. When the kids and I moved in with my Mom, I set up savings accounts for various things (more on this soon) and Christmas was one of them. I saved a set amount every payday and had the money automatically transferred. [...]]]></description>
		<link>http://makingovermymoney.com/2010/holiday-2009-spending</link>
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		<title>Keeping Track of Grocery Spending</title>
		<description><![CDATA[
 photo credit: kevindean
Food is always the one place we try to stay on budget but have a tough time staying with. When we weren&#8217;t living with my Mom, we spent at least $600, but sometimes as much as $800 I&#8217;m sure, a month on food &#8211; for a family of four. This included going [...]]]></description>
		<link>http://makingovermymoney.com/2010/keeping-track-of-grocery-spending</link>
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		<title>Running Through the List</title>
		<description><![CDATA[I listed a handful of changes we went through that affected our finances over the past couple of years.

The husband got a commission in the military (ie he is now an officer vs being enlisted).
We moved (four times!).
The kids and I moved in with my Mom as the husband is overseas.
We bought a new car.

So [...]]]></description>
		<link>http://makingovermymoney.com/2010/running-through-the-list</link>
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		<title>Start 2010 Off Right</title>
		<description><![CDATA[
 photo credit: xtino
Happy New Year!
I plan on getting this new decade started off on the right foot! I&#8217;ve been doing a good job financially for the past eight months or so and figure I need to get back into documenting it so I can be held more accountable.
2008 and 2009 brought a lot of [...]]]></description>
		<link>http://makingovermymoney.com/2010/start-2010-off-right</link>
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		<title>Understanding the Envelope System</title>
		<description><![CDATA[I think I finally understand the envelope budgeting system &#8211; cash in an envelope and you use just the cash to pay for things. I thought it meant *everything* you paid for &#8211; bills, utilities, etc. &#8211; which is why I never started. But using cash for gas, groceries, entertainment. That would be easy!
We really [...]]]></description>
		<link>http://makingovermymoney.com/2007/understanding-the-envelope-system</link>
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		<title>The B Word</title>
		<description><![CDATA[Budget &#8211; it isn&#8217;t a scary word to me. But I still don&#8217;t have it down. I balance our checkbook at least every other day. I used to use Microsoft Money but when the desktop computer crashed, Money went with it and I never got it to transfer over to the laptop. So I started [...]]]></description>
		<link>http://makingovermymoney.com/2007/the-b-word</link>
			</item>
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		<title>Long Term Goals</title>
		<description><![CDATA[I&#8217;ve been thinking about long term goals &#8211; and for some reason the farthest I can think is next summer.
By next summer we will have no credit card debt and no car payment. We will have the baby emergency fund fully funded, more savings being added to it and the automatic savings started again.
It&#8217;s hard [...]]]></description>
		<link>http://makingovermymoney.com/2007/long-term-goals</link>
			</item>
	<item>
		<title>Discipline and Money</title>
		<description><![CDATA[I definitely struggle with discipline and money. Once we pay the bills, buy the groceries, pay on the credit cards and as long as the $1000 is in the bank, I think that is good.
There is a variety of ways to spend the money that is left over. I&#8217;ve always wanted to spend every dollar [...]]]></description>
		<link>http://makingovermymoney.com/2007/discipline-and-money</link>
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