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	<title>Getting Smart Online</title>
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		<title>Are You Sure You Want a Big Tax Refund?</title>
		<link>http://www.gettingsmartonline.com/?p=168</link>
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		<pubDate>Wed, 03 Feb 2010 21:14:48 +0000</pubDate>
		<dc:creator>Charlotte</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[allowances]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[refund]]></category>
		<category><![CDATA[w-4]]></category>
		<category><![CDATA[withholding]]></category>

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		<description><![CDATA[I used to get very excited about receiving a big (or any size for that matter) refund check each year at tax time, but then I learned some things that made me re-examine that mindset.  Click on the link below and take a few minutes to watch my recent FOX 26 clip and ask yourself [...]]]></description>
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		<title>Plan for the Unexpected</title>
		<link>http://www.gettingsmartonline.com/?p=140</link>
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		<pubDate>Mon, 02 Nov 2009 13:22:27 +0000</pubDate>
		<dc:creator>Charlotte</dc:creator>
				<category><![CDATA[Food]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Promotions]]></category>
		<category><![CDATA[Restaurants]]></category>

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		<description><![CDATA[It&#8217;s great that several restaurant chains have offered free or heavily discounted menu items during this economically challenging year.  What a break for me and so many others who wanted good food on the cheap.  So last week when a friend emailed a Boston Market coupon (a meal for $1.00) I jumped on it. 
Middle of [...]]]></description>
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		<title>Breaking Up is Hard To Do</title>
		<link>http://www.gettingsmartonline.com/?p=149</link>
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		<pubDate>Fri, 23 Oct 2009 12:40:29 +0000</pubDate>
		<dc:creator>Charlotte</dc:creator>
				<category><![CDATA[Bad habits]]></category>
		<category><![CDATA[Spending]]></category>

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		<description><![CDATA[No, I&#8217;m not talking about relationships &#8211; I mean &#8216;breaking up&#8217; with the bad habits we may have, especially when it comes to spending.
Everyday I struggle with old, bad habits while trying to make healthy food and lifestyle choices.  And sometimes the old, bad &#8220;snap-spending&#8221; (I could buy something quicker than you can snap your [...]]]></description>
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		<title>The Best Things in Life Are Free!</title>
		<link>http://www.gettingsmartonline.com/?p=141</link>
		<comments>http://www.gettingsmartonline.com/?p=141#comments</comments>
		<pubDate>Thu, 15 Oct 2009 01:43:52 +0000</pubDate>
		<dc:creator>Charlotte</dc:creator>
				<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Work]]></category>

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		<description><![CDATA[I&#8217;ve lived in Texas for almost 15 years, but I&#8217;ve never been to South Padre Island &#8211; until today that is.  I was here speaking at The 16th Annual Juvenile Justice Title IV-E Conference.  I had a ton of work to do after my last session, but everytime I peeped out my hotel window, I  [...]]]></description>
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		<title>Take a Flying Leap!</title>
		<link>http://www.gettingsmartonline.com/?p=1</link>
		<comments>http://www.gettingsmartonline.com/?p=1#comments</comments>
		<pubDate>Mon, 21 Sep 2009 14:44:38 +0000</pubDate>
		<dc:creator>Charlotte</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[Social media]]></category>
		<category><![CDATA[Courage]]></category>
		<category><![CDATA[Fear]]></category>

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		<description><![CDATA[I&#8217;ll admit it, the whole social media thing (blogging, Twitter, FB, etc.) has had me in a tizzy.  I just didn&#8217;t get it.  How was any of this going to help me personally or professionally?  I couldn&#8217;t answer the question, so I did nothing.
Then one day I decided to take a &#8216;flying leap&#8217; &#8211; I [...]]]></description>
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