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	<title>Wealth Virtues Journal &#187; Frugality</title>
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	<link>http://www.wealthvirtues.com/journal</link>
	<description>Improve Your Self, Improve Your Wealth</description>
	<lastBuildDate>Sun, 22 Jan 2012 20:55:07 +0000</lastBuildDate>
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		<title>How to Suck it up and Eliminate Credit Card Debt (Unless You Want to Retire Broke)</title>
		<link>http://www.wealthvirtues.com/journal/2012/01/11/how-to-suck-it-up-and-eliminate-credit-card-debt-unless-you-want-to-retire-broke/</link>
		<comments>http://www.wealthvirtues.com/journal/2012/01/11/how-to-suck-it-up-and-eliminate-credit-card-debt-unless-you-want-to-retire-broke/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 00:30:54 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[Franklin's Virtues: A Way to Wealth]]></category>
		<category><![CDATA[401K]]></category>
		<category><![CDATA[creating wealth]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[eliminate debt]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Humility]]></category>
		<category><![CDATA[Resolution]]></category>
		<category><![CDATA[Tranquility]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=639</guid>
		<description><![CDATA[The key is to change the way you think and your behavior. Start with practicing the virtues of Benjamin Franklin and apply them to your finances.  Wealth Virtues will help you do this.  ]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2012/01/11/how-to-suck-it-up-and-eliminate-credit-card-debt-unless-you-want-to-retire-broke/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Slowing Your Spending is Not the Same as Cutting Your Spending</title>
		<link>http://www.wealthvirtues.com/journal/2011/08/02/slowing-your-spending-is-not-the-same-as-cutting-your-spending/</link>
		<comments>http://www.wealthvirtues.com/journal/2011/08/02/slowing-your-spending-is-not-the-same-as-cutting-your-spending/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 19:14:03 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[American Wealth]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Government spending]]></category>
		<category><![CDATA[National Debt]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[Resolution]]></category>
		<category><![CDATA[Senator Tom Coburn]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=517</guid>
		<description><![CDATA[Why, once again, running your business or personal finances like the government will make you ultimately dependent on a government that is slowly going broke.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2011/08/02/slowing-your-spending-is-not-the-same-as-cutting-your-spending/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Want a Secure Future? Do the Opposite of Government</title>
		<link>http://www.wealthvirtues.com/journal/2011/07/26/want-a-secure-future-do-the-opposite-of-government/</link>
		<comments>http://www.wealthvirtues.com/journal/2011/07/26/want-a-secure-future-do-the-opposite-of-government/#comments</comments>
		<pubDate>Wed, 27 Jul 2011 00:02:12 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Franklin's Virtues: A Way to Wealth]]></category>
		<category><![CDATA[Benjamin Franklin]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Justice]]></category>
		<category><![CDATA[Sincerity]]></category>
		<category><![CDATA[Social Security Trust Fund]]></category>
		<category><![CDATA[Virtue]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=511</guid>
		<description><![CDATA[So how can you and I create wealth and thrive in retirement? Just use a philosophy that is completely opposite of how the government operates. This philosophy comes from one who ran a business and became extraordinarily wealthy by the age of 40, and rebelled against a tyrannical government that believed people should be ruled from the top, and not empowered to make their own decisions. This person was not an inexperienced "community organizer", but a diplomat, statesman, founder of a university, and creator of a nation. Instead of the failed Socialist philosophy of Marx, Lenin, and Obama, try a good dose of Benjamin Franklin.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2011/07/26/want-a-secure-future-do-the-opposite-of-government/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Women, Money, and Virtues: The New American Revolution</title>
		<link>http://www.wealthvirtues.com/journal/2010/10/19/women-money-and-virtues-the-new-american-revolution/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/10/19/women-money-and-virtues-the-new-american-revolution/#comments</comments>
		<pubDate>Tue, 19 Oct 2010 19:16:39 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Virtues in Practice]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[household finances]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Resolution]]></category>
		<category><![CDATA[women and money]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=355</guid>
		<description><![CDATA[As a father of three wonderful, strong, intelligent daughters, the husband of a fiscally savvy woman, and the brother of a woman who started a multi-million dollar business from nothing, I can honestly say that I was influenced dramatically in the writing of WEALTH VIRTUES by seeing what my sister did, benefiting from what my wife does, and hoping for what my daughters will achieve.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/10/19/women-money-and-virtues-the-new-american-revolution/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Frugality Does Not Mean Doing Without</title>
		<link>http://www.wealthvirtues.com/journal/2010/05/27/frugality-does-not-mean-doing-without/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/05/27/frugality-does-not-mean-doing-without/#comments</comments>
		<pubDate>Fri, 28 May 2010 00:00:28 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Wealth Virtues]]></category>
		<category><![CDATA[Frugality]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=226</guid>
		<description><![CDATA[People often think that frugality means “doing without” and to deny the pleasurable things in life. Rather we need to look at it as a means of appreciating what we have, and to make the best use of our resources to accomplish goals we set for ourselves.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/05/27/frugality-does-not-mean-doing-without/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CLEANLINESS: How Franklin&#8217;s 10th Virtue Helps to &#8220;Change&#8221; Your Financial Future</title>
		<link>http://www.wealthvirtues.com/journal/2010/05/26/cleanliness-how-franklins-10th-virtue-helps-to-change-your-financial-future/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/05/26/cleanliness-how-franklins-10th-virtue-helps-to-change-your-financial-future/#comments</comments>
		<pubDate>Wed, 26 May 2010 22:55:50 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Franklin's Virtues: A Way to Wealth]]></category>
		<category><![CDATA[Cleanliness]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[pocket change]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=219</guid>
		<description><![CDATA[I use Franklin's virtue of Cleanliness to make a point of how the practice of such virtues can lead to small gains. Small gains compounded lead to - larger gains.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/05/26/cleanliness-how-franklins-10th-virtue-helps-to-change-your-financial-future/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Relative New beats Actual New by 66%</title>
		<link>http://www.wealthvirtues.com/journal/2010/03/22/relative-new-beats-actual-new-by-66/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/03/22/relative-new-beats-actual-new-by-66/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 00:48:55 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Saving and Investing]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[preowned bargains]]></category>
		<category><![CDATA[skiing]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=179</guid>
		<description><![CDATA[Do you really need new, or is slighly used better for the money?]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/03/22/relative-new-beats-actual-new-by-66/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Credit Card Reform Really Help the Consumer? Consumers Need to Help Themselves</title>
		<link>http://www.wealthvirtues.com/journal/2010/02/24/will-credit-card-reform-really-help-the-consumer-consumers-need-to-help-themselves/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/02/24/will-credit-card-reform-really-help-the-consumer-consumers-need-to-help-themselves/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 23:15:32 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[accountability]]></category>
		<category><![CDATA[consequence]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card reform]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Justice]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=165</guid>
		<description><![CDATA[Now before you start feeling victorious over those big nasty Wall Street cigar smoking fat cats, consider that the banks who issued credit cards have had to write off over $35 Billion in bad debt last year. Where will they look to recoup the loss?]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2010/02/24/will-credit-card-reform-really-help-the-consumer-consumers-need-to-help-themselves/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Achieving Wealth Through the Practice of Frugality</title>
		<link>http://www.wealthvirtues.com/journal/2009/11/06/achieving-wealth-through-the-practice-of-frugality/</link>
		<comments>http://www.wealthvirtues.com/journal/2009/11/06/achieving-wealth-through-the-practice-of-frugality/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:24:19 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Franklin's Virtues: A Way to Wealth]]></category>
		<category><![CDATA[Franklin's 13 Virtues]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=62</guid>
		<description><![CDATA[To look deeper on how wealth can be created through the use of Ben Franklin’s 13 Virtues, we look at the Virtue of Frugality.]]></description>
		<wfw:commentRss>http://www.wealthvirtues.com/journal/2009/11/06/achieving-wealth-through-the-practice-of-frugality/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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