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	<title>Atlanta Planning Guys &#187; budgeting</title>
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	<link>http://atlantaplanningguys.com</link>
	<description>Atlanta Planning Guys is an informal blog  in which CERTIFIED FINANCIAL PLANNER™ professional, Cass Chappell , of Chappell Financial Group,  shares his ideas and opinions with the general public.</description>
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		<title>A Smart Start to the New Year</title>
		<link>http://atlantaplanningguys.com/?p=1379</link>
		<comments>http://atlantaplanningguys.com/?p=1379#comments</comments>
		<pubDate>Mon, 03 Jan 2011 19:34:53 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Investments]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[401k mistakes]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[IRA contributions]]></category>
		<category><![CDATA[New Year's Resolutions]]></category>
		<category><![CDATA[Organization]]></category>
		<category><![CDATA[reallocation]]></category>
		<category><![CDATA[Retirement plans]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[systematic savings]]></category>
		<category><![CDATA[tax filing]]></category>

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		<description><![CDATA[A very Happy New Year to all of our clients, partners, friends and readers!  Hopefully the holiday season went off without a hitch.  After the champagne glasses and party hats have been put away, we like to help investors take a look at a few things that they can do now to get 2011 started [...]]]></description>
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		<title>Top 5 Ways to Trim the Family Budget</title>
		<link>http://atlantaplanningguys.com/?p=1111</link>
		<comments>http://atlantaplanningguys.com/?p=1111#comments</comments>
		<pubDate>Mon, 02 Aug 2010 15:47:58 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA["how to"]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[Economic crisis]]></category>
		<category><![CDATA[family budget]]></category>
		<category><![CDATA[high interest rate]]></category>
		<category><![CDATA[impulse purchases]]></category>
		<category><![CDATA[Saving]]></category>

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		<description><![CDATA[I’ve always been one to focus my attention on the silver lining of any cloud.  In times of economic struggle, many of us look to tighten our belts to weather the storm.  This is an incredible opportunity to build some healthy spending habits that can be used in good times and bad.  No matter what [...]]]></description>
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		<title>Addicted to&#8230;</title>
		<link>http://atlantaplanningguys.com/?p=542</link>
		<comments>http://atlantaplanningguys.com/?p=542#comments</comments>
		<pubDate>Mon, 07 Dec 2009 17:51:13 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Addiction]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[caffeine]]></category>
		<category><![CDATA[chocolate]]></category>
		<category><![CDATA[coffee]]></category>
		<category><![CDATA[gambling]]></category>
		<category><![CDATA[Healthy Lifestyle]]></category>
		<category><![CDATA[impulse purchases]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[obsession]]></category>
		<category><![CDATA[online access]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[Spontaneity]]></category>
		<category><![CDATA[stress]]></category>
		<category><![CDATA[tobacco]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[vacation]]></category>

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		<description><![CDATA[Not since the sultry sounds of Robert Palmer in 1986 has the term &#8216;Addicted&#8217; been associated with much of anything positive.  It seems the term always carries a negative connotation and for good reason.  Addiction implies an unhealthy level of desire for something.  We can further that label by the common thread that addictions are typically [...]]]></description>
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		<title>He&#8217;s making a list&#8230;maybe you should too&#8230;</title>
		<link>http://atlantaplanningguys.com/?p=509</link>
		<comments>http://atlantaplanningguys.com/?p=509#comments</comments>
		<pubDate>Mon, 16 Nov 2009 16:42:25 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[belt-tightening]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Christmas gifts]]></category>
		<category><![CDATA[Christmas shopping]]></category>
		<category><![CDATA[gifting]]></category>
		<category><![CDATA[giving]]></category>
		<category><![CDATA[goal-setting]]></category>
		<category><![CDATA[Holiday season]]></category>
		<category><![CDATA[presents]]></category>
		<category><![CDATA[Santa]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://atlantaplanningguys.com/?p=509</guid>
		<description><![CDATA[If you should happen to catch a glimpse of Santa this holiday season&#8230;take a look at that big belt he is wearing.  Chances are he has cinched that thing in a notch or two.  Perhaps we should all approach this holiday season with fiscal responsibility in mind.  Here are just a few thoughts about getting [...]]]></description>
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		<title>Making Cents for our Children</title>
		<link>http://atlantaplanningguys.com/?p=93</link>
		<comments>http://atlantaplanningguys.com/?p=93#comments</comments>
		<pubDate>Mon, 08 Dec 2008 15:20:39 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[529 Savings Plan]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[College Savings]]></category>
		<category><![CDATA[dollar-cost-averaging]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[generational planning]]></category>
		<category><![CDATA[gifting]]></category>
		<category><![CDATA[money lessons]]></category>
		<category><![CDATA[money matters]]></category>

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		<description><![CDATA[
Have you started a savings account for your children?  Perhaps you have put money into a 529 plan for college.  Do you traditionally put money toward their future at the end of the year in the form of a gift?  Let&#8217;s take this investment in our children&#8217;s future a bit further this year.
Involve your children [...]]]></description>
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		<title>Holiday Cheer meets Financial Fear</title>
		<link>http://atlantaplanningguys.com/?p=92</link>
		<comments>http://atlantaplanningguys.com/?p=92#comments</comments>
		<pubDate>Wed, 03 Dec 2008 17:18:14 +0000</pubDate>
		<dc:creator>Charles Mayfield, CFP®</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial discipline]]></category>
		<category><![CDATA[financial responsibility]]></category>
		<category><![CDATA[holidays]]></category>
		<category><![CDATA[make a list]]></category>
		<category><![CDATA[shopping]]></category>

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		<description><![CDATA[                                            
What better time than now to remind our friends and clients about the age-old practice of a sticking to a budget?  We should always strive to call on life&#8217;s challenges to help grow and nurture ourselves personally, professionally &#38; certainly financially.  If you are like me, you wait until the last few weeks of the [...]]]></description>
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