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	<title>Frankly Speaking</title>
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	<link>http://frankwiginton.com</link>
	<description>Frank commentary on personal finance and the financial industry!</description>
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		<item>
		<title>Savings &#8211; Pay Yourself First!: Budgeting 101</title>
		<link>http://frankwiginton.com/savings-pay-yourself-first-budgeting-101</link>
		<comments>http://frankwiginton.com/savings-pay-yourself-first-budgeting-101#comments</comments>
		<pubDate>Thu, 02 Sep 2010 17:56:32 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[The Wealthy Barber]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1518</guid>
		<description><![CDATA[Video and Article
Make it automatic and watch a mere 5% of your income grow into hundreds of thousands of dollars.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Effectively Pay Down Debt!</title>
		<link>http://frankwiginton.com/how-to-effectively-pay-down-debt</link>
		<comments>http://frankwiginton.com/how-to-effectively-pay-down-debt#comments</comments>
		<pubDate>Fri, 27 Aug 2010 13:52:26 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[car loan]]></category>
		<category><![CDATA[Credit Canada]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[creditcanada.com]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[financial tools]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Line of Credit]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1523</guid>
		<description><![CDATA[If you have debt and are currently reading this you have already accomplished step 1.

Step 1 - Make the decision to tackle your debt once and for all!
Step 2 - Make a list of ALL your debt!
Step 3 - Organize the debt from highest interest to lowest interest
Step 4 - Pay out highest interest debt first!
Step 5 - Close your credit!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Identifying Income: Budgeting 101</title>
		<link>http://frankwiginton.com/identifying-income-budgeting-101</link>
		<comments>http://frankwiginton.com/identifying-income-budgeting-101#comments</comments>
		<pubDate>Wed, 25 Aug 2010 15:10:24 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[CPP]]></category>
		<category><![CDATA[EI]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[taxes]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1510</guid>
		<description><![CDATA[Video and Article

There are two sides to a budget - Income and Expenses.

Many when they build a budget will take their most recent pay and use it to determine how much  income they have coming in every month. This will start their budget off by several hundred dollars!]]></description>
		<wfw:commentRss>http://frankwiginton.com/identifying-income-budgeting-101/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The 4 Most Common Budget Mistakes!: Budgeting 101</title>
		<link>http://frankwiginton.com/the-4-most-common-budget-mistakes-budgeting-101</link>
		<comments>http://frankwiginton.com/the-4-most-common-budget-mistakes-budgeting-101#comments</comments>
		<pubDate>Mon, 26 Jul 2010 03:18:44 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1499</guid>
		<description><![CDATA[When building a budget many people get to the end of the process and are surprised by the amount of money they spend, and or are surprised by how much money they should have left over every month! This is primarily due to the fact they are not calculating their budget properly.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>4 Ways To Save Up To 40% Off Your Grocery Bill!: Budgeting 101</title>
		<link>http://frankwiginton.com/4-ways-to-save-up-to-40-off-your-grocery-bill-budgeting-101</link>
		<comments>http://frankwiginton.com/4-ways-to-save-up-to-40-off-your-grocery-bill-budgeting-101#comments</comments>
		<pubDate>Mon, 26 Jul 2010 03:01:20 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[grocery list]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1482</guid>
		<description><![CDATA[Make a Grocery List
Make a Meal Plan Based On What Is On Sale That Week!
Avoid The Fancy Grocery Stores
Shop At Your Local Fruit and Vegetable Stand
and much more!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Is A Budget and How To Get Started?: Budgeting 101</title>
		<link>http://frankwiginton.com/what-is-a-budget-and-how-to-get-started-budgeting-101</link>
		<comments>http://frankwiginton.com/what-is-a-budget-and-how-to-get-started-budgeting-101#comments</comments>
		<pubDate>Mon, 26 Jul 2010 02:59:13 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[Line of Credit]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1494</guid>
		<description><![CDATA[The dreaded 'B' word! There is absolutly no reason to fear preparing a budget. I think the reason why many people do is that they feel it is a lot of work, they don't really know how to do it, and those that have tried have never been able to keep it (likely because it was done wrong).

Yes! It does require some work. The good thing is that with today's technology it is getting less and less.

So what is a budget?]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Study Shows: Wellness programs deliver savings!</title>
		<link>http://frankwiginton.com/study-shows-wellness-programs-deliver-savings</link>
		<comments>http://frankwiginton.com/study-shows-wellness-programs-deliver-savings#comments</comments>
		<pubDate>Tue, 13 Jul 2010 13:51:43 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Group Benefits]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[group insurance]]></category>
		<category><![CDATA[Health care costs]]></category>
		<category><![CDATA[wellness]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1467</guid>
		<description><![CDATA[The 2010 Group Health Care Cost Control in Canada, a poll of 665 Canadians from the employee benefits industry, finds that the proportion of employers offering wellness initiatives rose nearly 20% to 78% in 2010 of employers, from 61% in 2009. Further, nearly one in five organizations currently not offering wellness initiatives anticipates doing so in the future.

]]></description>
		<wfw:commentRss>http://frankwiginton.com/study-shows-wellness-programs-deliver-savings/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What is the process of a comprehensive financial plan?</title>
		<link>http://frankwiginton.com/what-is-the-process-of-a-comprehensive-financial-plan</link>
		<comments>http://frankwiginton.com/what-is-the-process-of-a-comprehensive-financial-plan#comments</comments>
		<pubDate>Mon, 12 Jul 2010 18:53:31 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[certified financial planner]]></category>
		<category><![CDATA[Financial Plan]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1441</guid>
		<description><![CDATA[A proper comprehensive financial plan takes on average 20+ hours to prepare and depending on the complexity could take many, many more. If the following steps aren't taken then you have to wonder how comprehensive the plan really is!]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Value of Financial Planning</title>
		<link>http://frankwiginton.com/the-value-of-financial-planning</link>
		<comments>http://frankwiginton.com/the-value-of-financial-planning#comments</comments>
		<pubDate>Tue, 29 Jun 2010 14:45:07 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Financial Planners Standards Council]]></category>
		<category><![CDATA[FPSC]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1426</guid>
		<description><![CDATA[Individuals with Financial Plans Feel Better Prepared to Deal with Difficult Economic Times; Feel More Apt to Achieve Life Goals.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why get a financial plan?</title>
		<link>http://frankwiginton.com/why-get-a-financial-plan</link>
		<comments>http://frankwiginton.com/why-get-a-financial-plan#comments</comments>
		<pubDate>Mon, 28 Jun 2010 17:41:35 +0000</pubDate>
		<dc:creator>wiginton</dc:creator>
				<category><![CDATA[Charitable Giving]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Investment Management]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<category><![CDATA[business health insurance]]></category>
		<category><![CDATA[certified financial planner]]></category>
		<category><![CDATA[defined benefit plan]]></category>
		<category><![CDATA[income splitting]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[Line of Credit]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[RRSP]]></category>

		<guid isPermaLink="false">http://frankwiginton.com/?p=1423</guid>
		<description><![CDATA[I have been asked many times "Why should I get a financial plan? What questions can I get answers to?"

Many are not even aware of the array of questions they have when it comes to their personal finances. When I sit and chat with people about finances and mention some of the area's to address they frequently respond with "I never thought of that before!" 

To get a start here are just a few of the questions that can be answered by preparing a proper financial plan.
]]></description>
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