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	<title>Prosperity Trek by Prosperity Concierge &#187; Budgeting</title>
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	<description>The trek to prosperity, step by step. Improve cash flow, build net worth, enjoy life and give back. To earn, spend, save and invest for happiness and fulfillment.</description>
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		<title>Special Situations: Live Within Your Means: A Budget to Earn, Spend and Save</title>
		<link>http://prosperityconcierge.com/trek/t/q4s/p4sspae-budget/</link>
		<comments>http://prosperityconcierge.com/trek/t/q4s/p4sspae-budget/#comments</comments>
		<pubDate>Sun, 05 Jul 2009 22:25:05 +0000</pubDate>
		<dc:creator>Prosperity Concierge</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Trek IV Special Situations]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://prosperityconcierge.com/trek/t/q4/p4spae-budget-quadrant/</guid>
		<description><![CDATA[<p>The terrain: Prosperity Quadrant IV (negative cash flow; positive net worth).
The trek: To improve cash flow and use net worth to supplement income.
This activity on the trek: Develop a budget and use it to track income, spending and saving.
The activities on this trek you should complete before beginning this activity: Create a Spending Plan
Difficulty rating: Moderate</p>
<p>Use <p>Continue reading <a href="http://prosperityconcierge.com/trek/t/q4s/p4sspae-budget/">Special Situations: Live Within Your Means: A Budget to Earn, Spend and Save</a></p>]]></description>
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		<series:name><![CDATA[Special Situations in Prosperity Quadrant IV]]></series:name>
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		<item>
		<title>Cash Flow: Live Within Your Means: Create a Spending Plan</title>
		<link>http://prosperityconcierge.com/trek/t/q1/p1spad-live-within-means/</link>
		<comments>http://prosperityconcierge.com/trek/t/q1/p1spad-live-within-means/#comments</comments>
		<pubDate>Mon, 06 Jul 2009 02:33:28 +0000</pubDate>
		<dc:creator>Prosperity Concierge</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Trek I Improve Cash Flow]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[live within your means]]></category>
		<category><![CDATA[Reduce Debt]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[spending plan]]></category>

		<guid isPermaLink="false">http://prosperityconcierge.com/trek/t/q1/p1spad-live-within-means-quadrant-1/</guid>
		<description><![CDATA[<p>The activity: Make and follow a spending plan.
The trek: Improve cash flow.
The terrain: Prosperity Quadrant I (negative cash flow; negative net worth).
Difficulty rating: Moderate</p>
<p>Use the Prosperity Concierge Spending Plan Worksheet to Create Your Spending Plan</p>
<p>Putting your financial goals in writing can make them seem more concrete and achievable. However, it&#8217;s easy to allow everyday purchases <p>Continue reading <a href="http://prosperityconcierge.com/trek/t/q1/p1spad-live-within-means/">Cash Flow: Live Within Your Means: Create a Spending Plan</a></p>]]></description>
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		<slash:comments>0</slash:comments>
	
		<series:name><![CDATA[Improve Cash Flow in Prosperity Quadrant I]]></series:name>
	</item>
		<item>
		<title>Cash Flow: Live Within Your Means: A Budget to Earn, Spend and Save</title>
		<link>http://prosperityconcierge.com/trek/t/q1/p1spae-budget/</link>
		<comments>http://prosperityconcierge.com/trek/t/q1/p1spae-budget/#comments</comments>
		<pubDate>Sat, 04 Jul 2009 02:59:39 +0000</pubDate>
		<dc:creator>Prosperity Concierge</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Trek I Improve Cash Flow]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[bottom line]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[cash flow analysis]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[control]]></category>
		<category><![CDATA[cost-saving]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[cut back]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[discretionary]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[emergencies]]></category>
		<category><![CDATA[entertainment]]></category>
		<category><![CDATA[expenditures]]></category>
		<category><![CDATA[expense]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[fixed]]></category>
		<category><![CDATA[flexible]]></category>
		<category><![CDATA[Food Costs]]></category>
		<category><![CDATA[free up cash]]></category>
		<category><![CDATA[future]]></category>
		<category><![CDATA[goal]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[habits]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[Housing Costs]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[investment]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[live within means]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[long-term]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[monetary]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[needs]]></category>
		<category><![CDATA[Net Worth]]></category>
		<category><![CDATA[objectives]]></category>
		<category><![CDATA[paychecks]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[planned]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[reach goals]]></category>
		<category><![CDATA[reduction]]></category>
		<category><![CDATA[reinvest]]></category>
		<category><![CDATA[rent]]></category>
		<category><![CDATA[repayment]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[save]]></category>
		<category><![CDATA[saved]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[saving habit]]></category>
		<category><![CDATA[security]]></category>
		<category><![CDATA[spend your money]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[success]]></category>
		<category><![CDATA[system]]></category>
		<category><![CDATA[tracking]]></category>
		<category><![CDATA[Transportation Costs]]></category>

		<guid isPermaLink="false">http://prosperityconcierge.com/trek/?p=2419</guid>
		<description><![CDATA[<p>The activity: Develop a budget and use it to track income, spending and saving.
The trek: Improve cash flow.
The terrain: Prosperity Quadrant I (negative cash flow; negative net worth).
The activities on this trek you should complete before beginning this activity: Create a Spending Plan
Difficulty rating: Moderate</p>
<p>Use the Prosperity Concierge Monthly Budget Worksheet to Create Your Budget</p>
<p>When you <p>Continue reading <a href="http://prosperityconcierge.com/trek/t/q1/p1spae-budget/">Cash Flow: Live Within Your Means: A Budget to Earn, Spend and Save</a></p>]]></description>
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		<slash:comments>1</slash:comments>
	
		<series:name><![CDATA[Improve Cash Flow in Prosperity Quadrant I]]></series:name>
	</item>
		<item>
		<title>Trek IV: Special Situations: Live Within Your Means: Create a Spending Plan</title>
		<link>http://prosperityconcierge.com/trek/t/q4s/p4sspad-live-within-your-means/</link>
		<comments>http://prosperityconcierge.com/trek/t/q4s/p4sspad-live-within-your-means/#comments</comments>
		<pubDate>Thu, 02 Jul 2009 22:09:38 +0000</pubDate>
		<dc:creator>Prosperity Concierge</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Trek IV Special Situations]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[live within your means]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[spending plan]]></category>

		<guid isPermaLink="false">http://prosperityconcierge.com/trek/?p=2413</guid>
		<description><![CDATA[<p>This step on your prosperity trek&#8230;
This is an action step for families that don&#8217;t have a spending plan.
This step will improve cash flow and build net worth by finding opportunities to control spending and debt and freeing up cash for saving.
Difficulty rating: Moderate</p>
<p>Use the Prosperity Concierge Spending Plan Worksheet to Create Your Spending Plan</p>
<p>Putting your <p>Continue reading <a href="http://prosperityconcierge.com/trek/t/q4s/p4sspad-live-within-your-means/">Trek IV: Special Situations: Live Within Your Means: Create a Spending Plan</a></p>]]></description>
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		<slash:comments>0</slash:comments>
	
		<series:name><![CDATA[Special Situations in Prosperity Quadrant IV]]></series:name>
	</item>
		<item>
		<title>Cash Flow: Live Within Your Means: Spending</title>
		<link>http://prosperityconcierge.com/trek/t/q1/p1spaf-analyze-spending/</link>
		<comments>http://prosperityconcierge.com/trek/t/q1/p1spaf-analyze-spending/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 07:42:23 +0000</pubDate>
		<dc:creator>Prosperity Concierge</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Trek I Improve Cash Flow]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[lifestyle]]></category>
		<category><![CDATA[Net Worth]]></category>
		<category><![CDATA[prosperity trek]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[spend]]></category>
		<category><![CDATA[Spending]]></category>

		<guid isPermaLink="false">http://prosperityconcierge.com/trek/?p=180</guid>
		<description><![CDATA[<p>The activity: Explore how to reduce spending to live within your means.
The trek: Improve cash flow.
The terrain: Prosperity Quadrant I (negative cash flow; negative net worth).
Difficulty rating: Easy</p>
<p>The topics of &#8220;cash flow&#8221; and &#8220;living within one&#8217;s means&#8221; can&#8217;t be fully addressed without including the topic of &#8220;spending&#8221;.</p>
<p>Cash flow is comprised of two components: earning and spending. <p>Continue reading <a href="http://prosperityconcierge.com/trek/t/q1/p1spaf-analyze-spending/">Cash Flow: Live Within Your Means: Spending</a></p>]]></description>
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		<slash:comments>0</slash:comments>
	
		<series:name><![CDATA[Improve Cash Flow in Prosperity Quadrant I]]></series:name>
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