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	<title>Comments on: Avoid a Financial Holiday Hangover This Year</title>
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	<description>Helping a unique generation achieve financial independence.</description>
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		<title>By: Saving a Dollar &#187; Blog Archive &#187; Currency Conversion, Wills and Deals – Nov 15, 2009: Million Dollar Journey</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-123875</link>
		<dc:creator>Saving a Dollar &#187; Blog Archive &#187; Currency Conversion, Wills and Deals – Nov 15, 2009: Million Dollar Journey</dc:creator>
		<pubDate>Sun, 10 Jan 2010 18:46:10 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-123875</guid>
		<description>[...] Avoid a Financial Holiday Hangover This Year @ Generation X Finance [...]</description>
		<content:encoded><![CDATA[<p>[...] Avoid a Financial Holiday Hangover This Year @ Generation X Finance [...]</p>
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		<title>By: Weekly Roundup – Moving Edition &#124; Debt news</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-123209</link>
		<dc:creator>Weekly Roundup – Moving Edition &#124; Debt news</dc:creator>
		<pubDate>Sun, 29 Nov 2009 15:41:14 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-123209</guid>
		<description>[...] Avoid a Financial Holiday Hangover This Year. Great steps for avoiding the dreaded holiday credit card bills in January. (@Generation X Finance) [...]</description>
		<content:encoded><![CDATA[<p>[...] Avoid a Financial Holiday Hangover This Year. Great steps for avoiding the dreaded holiday credit card bills in January. (@Generation X Finance) [...]</p>
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		<title>By: Friday Links - Canadian Finance Blog</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-123088</link>
		<dc:creator>Friday Links - Canadian Finance Blog</dc:creator>
		<pubDate>Fri, 20 Nov 2009 10:02:31 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-123088</guid>
		<description>[...] Generation X Finance discusses how to avoid a financial holiday hangover this year. [...]</description>
		<content:encoded><![CDATA[<p>[...] Generation X Finance discusses how to avoid a financial holiday hangover this year. [...]</p>
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	<item>
		<title>By: Brad@NorthwesternMutual</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-123027</link>
		<dc:creator>Brad@NorthwesternMutual</dc:creator>
		<pubDate>Mon, 16 Nov 2009 19:58:00 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-123027</guid>
		<description>Holiday Hangover, well said!  Your comments about leaving the holidays in debt are spot on. It’s ironic- we all are looking for bargains, but if you purchase an item on a credit card where you are carrying a balance, the cost of that item effectively doubles if you carry the balance for 5 years at typical credit card interest rates. The $100 sweater you were so psyched to get for $80 because of a sale, actually ends up costing $160 when you add in the accrued interest. If you have credit card debt don’t forget gifts from the heart- homemade items or personal services like babysitting or help or assistance that a loved one might value more than another tie or picture frame. Frankly, after this year’s economic challenges I doubt people are expecting this to be a very extravagant gift year.</description>
		<content:encoded><![CDATA[<p>Holiday Hangover, well said!  Your comments about leaving the holidays in debt are spot on. It’s ironic- we all are looking for bargains, but if you purchase an item on a credit card where you are carrying a balance, the cost of that item effectively doubles if you carry the balance for 5 years at typical credit card interest rates. The $100 sweater you were so psyched to get for $80 because of a sale, actually ends up costing $160 when you add in the accrued interest. If you have credit card debt don’t forget gifts from the heart- homemade items or personal services like babysitting or help or assistance that a loved one might value more than another tie or picture frame. Frankly, after this year’s economic challenges I doubt people are expecting this to be a very extravagant gift year.</p>
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		<title>By: Currency Conversion, Wills and Deals &#8211; Nov 15, 2009 &#124; Million Dollar Journey</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-123003</link>
		<dc:creator>Currency Conversion, Wills and Deals &#8211; Nov 15, 2009 &#124; Million Dollar Journey</dc:creator>
		<pubDate>Sun, 15 Nov 2009 10:32:00 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-123003</guid>
		<description>[...] Avoid a Financial Holiday Hangover This Year @ Generation X Finance [...]</description>
		<content:encoded><![CDATA[<p>[...] Avoid a Financial Holiday Hangover This Year @ Generation X Finance [...]</p>
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		<title>By: Friday Fiscals: Black cat dancing on a broken mirror &#124; Mighty Bargain Hunter</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-122999</link>
		<dc:creator>Friday Fiscals: Black cat dancing on a broken mirror &#124; Mighty Bargain Hunter</dc:creator>
		<pubDate>Sat, 14 Nov 2009 05:05:12 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-122999</guid>
		<description>[...] Generation X Finance lists out how to avoid Holiday Financial Hangover. [...]</description>
		<content:encoded><![CDATA[<p>[...] Generation X Finance lists out how to avoid Holiday Financial Hangover. [...]</p>
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		<title>By: Credit Girl</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-122998</link>
		<dc:creator>Credit Girl</dc:creator>
		<pubDate>Fri, 13 Nov 2009 21:45:05 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-122998</guid>
		<description>Last year, I splurged on people&#039;s gifts and I didn&#039;t really take into account how much I was spending until after I saw my bank account when the holiday season was over. This year, I&#039;m already making a Christmas list so that I can shop for some people earlier and hopefully find better deals while finishing up the christmas shopping earlier ! =)</description>
		<content:encoded><![CDATA[<p>Last year, I splurged on people&#8217;s gifts and I didn&#8217;t really take into account how much I was spending until after I saw my bank account when the holiday season was over. This year, I&#8217;m already making a Christmas list so that I can shop for some people earlier and hopefully find better deals while finishing up the christmas shopping earlier ! =)</p>
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	<item>
		<title>By: Angie</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-122975</link>
		<dc:creator>Angie</dc:creator>
		<pubDate>Thu, 12 Nov 2009 20:47:48 +0000</pubDate>
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		<description>I completely agree with making a list.  If you click on my name, it will take you to a site where you can print free budget worksheets for the holidays.  The worksheets cover everything from presents to meal planning to holiday attire.  All the little extras always seem to be forgotten about and they really take a big chunk out of your budget.</description>
		<content:encoded><![CDATA[<p>I completely agree with making a list.  If you click on my name, it will take you to a site where you can print free budget worksheets for the holidays.  The worksheets cover everything from presents to meal planning to holiday attire.  All the little extras always seem to be forgotten about and they really take a big chunk out of your budget.</p>
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		<title>By: Goran Web &#124; Net Age</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-122971</link>
		<dc:creator>Goran Web &#124; Net Age</dc:creator>
		<pubDate>Thu, 12 Nov 2009 19:10:34 +0000</pubDate>
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		<description>Credit Cards are the most devilish things out there. They really lure you into a false sense of security, and unfortunately you tend to use them when you really can afford the least to. My solution is simple, just don&#039;t ahve them, but few paople have that luxury. Good luck with your spending and a happy festive season to you all, folks!</description>
		<content:encoded><![CDATA[<p>Credit Cards are the most devilish things out there. They really lure you into a false sense of security, and unfortunately you tend to use them when you really can afford the least to. My solution is simple, just don&#8217;t ahve them, but few paople have that luxury. Good luck with your spending and a happy festive season to you all, folks!</p>
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		<title>By: Ken</title>
		<link>http://genxfinance.com/2009/11/11/avoid-a-financial-holiday-hangover-this-year/#comment-122968</link>
		<dc:creator>Ken</dc:creator>
		<pubDate>Thu, 12 Nov 2009 15:45:06 +0000</pubDate>
		<guid isPermaLink="false">http://genxfinance.com/?p=1806#comment-122968</guid>
		<description>I have used Christmas club for years. I swear by it. Online savings with INGDirect is good as well.</description>
		<content:encoded><![CDATA[<p>I have used Christmas club for years. I swear by it. Online savings with INGDirect is good as well.</p>
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