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	<title>Comments on: First-Time Budgeting</title>
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	<description>Personal Finances Blog Personal Finance Tools Dave Ramsey David Bach Robert Kiyosaki Debt Relief Investing Compound Interest Saving</description>
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		<title>By: Chris Swaney</title>
		<link>http://www.josephsangl.com/2007/01/18/first-time-budgeting/comment-page-1/#comment-85</link>
		<dc:creator>Chris Swaney</dc:creator>
		<pubDate>Fri, 19 Jan 2007 13:48:38 +0000</pubDate>
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		<description>It is hard to get started on the budget. But we are trying.I think that once we figure out where our first savings should go it will get easier. I do believe that you must find friends that are going to be honest with you without letting you off the hook. Without a good network of friends then it is so easy to give up.

Getting out of debt the hard way</description>
		<content:encoded><![CDATA[<p>It is hard to get started on the budget. But we are trying.I think that once we figure out where our first savings should go it will get easier. I do believe that you must find friends that are going to be honest with you without letting you off the hook. Without a good network of friends then it is so easy to give up.</p>
<p>Getting out of debt the hard way</p>
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		<title>By: ken</title>
		<link>http://www.josephsangl.com/2007/01/18/first-time-budgeting/comment-page-1/#comment-83</link>
		<dc:creator>ken</dc:creator>
		<pubDate>Thu, 18 Jan 2007 14:13:32 +0000</pubDate>
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		<description>The key, number 1, most important change my wife and I made was to budget.  Yeah, we knew how to get out of debt.  We knew how to save.  We knew how to bargain.  But &lt;b&gt;budgeting&lt;/b&gt; was the key that fixed our financial situation.

It caused us to face our financial condition head on.  And it was well worth it.</description>
		<content:encoded><![CDATA[<p>The key, number 1, most important change my wife and I made was to budget.  Yeah, we knew how to get out of debt.  We knew how to save.  We knew how to bargain.  But <b>budgeting</b> was the key that fixed our financial situation.</p>
<p>It caused us to face our financial condition head on.  And it was well worth it.</p>
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