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	<title>SettlementMax - Financial Freedom&#187; Do Not Live From Paycheck To Paycheck &#8211; SettlementMax &#8211; Financial Freedom</title>
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		<title>Do Not Live From Paycheck To Paycheck</title>
		<link>http://settlementmax.com/blog/live-paycheck-paycheck/</link>
		<comments>http://settlementmax.com/blog/live-paycheck-paycheck/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 21:34:47 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[deposit]]></category>
		<category><![CDATA[paycheck]]></category>
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		<category><![CDATA[savings]]></category>
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		<description><![CDATA[Stop using your credit and debit cards immediately.  Also stop taking other loans, either from banks or finance companies or friends or family. Stop getting into more debt. 
SAVE! The most important step you can take, in the beginning, is to start a small savings account if you haven’t already. Begin depositing into it regularly, at least $100 per paycheck if you can. If you can’t find $100 then see the next step for how. Make it an automatic deposit, the first bill you pay each payday, because it is the most important! A savings account will help you smooth out your finances — when an emergency comes up, like your car breaking down or someone having to go to the hospital, you won’t be thrown back into debt. You will have some cash to pay for that emergency, and you can use your regular paycheck for regular expenses. 
]]></description>
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		<title>Most Americans are not saving nearly enough to fund their retirement</title>
		<link>http://settlementmax.com/blog/americans-not-saving-fund-retirement/</link>
		<comments>http://settlementmax.com/blog/americans-not-saving-fund-retirement/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 17:22:46 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<description><![CDATA[Most Americans are not saving nearly enough to fund their retirement ]]></description>
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		<title>U.S. personal savings rate has dropped nearly 8.5% in the early 1980’s to less than zero today</title>
		<link>http://settlementmax.com/blog/u-s-personal-savings-rate-dropped-8-5-early-1980%e2%80%99s-today/</link>
		<comments>http://settlementmax.com/blog/u-s-personal-savings-rate-dropped-8-5-early-1980%e2%80%99s-today/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 17:19:59 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<description><![CDATA[U.S. personal savings rate has dropped nearly 8.5% in the early 1980’s to less than zero today ]]></description>
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