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	<title>Holistic Money Manager</title>
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	<link>http://www.holisticmoneymanager.com</link>
	<description>Liberate yourself from money worries</description>
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		<title>3 More Traits of Successful Salespeople</title>
		<link>http://www.holisticmoneymanager.com/2012/05/16/3-more-traits-of-successful-salespeople/</link>
		<comments>http://www.holisticmoneymanager.com/2012/05/16/3-more-traits-of-successful-salespeople/#comments</comments>
		<pubDate>Wed, 16 May 2012 09:38:12 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=815</guid>
		<description><![CDATA[In my last blog I wrote about what we can learn from the characteristics of successful salespeople so that we can work with them and only buy what serves us best within our budget. The author of the study I read states that “In casual surveys I have conducted throughout the years, I have found [...]]]></description>
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		<title>4 Traits of Successful Salespeople</title>
		<link>http://www.holisticmoneymanager.com/2012/05/09/4-traits-of-successful-salespeople/</link>
		<comments>http://www.holisticmoneymanager.com/2012/05/09/4-traits-of-successful-salespeople/#comments</comments>
		<pubDate>Wed, 09 May 2012 09:36:59 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=792</guid>
		<description><![CDATA[Some time ago I read a very interesting article about the psychology of successful salespeople.  The evidence of a recent study suggests the critical role in their success is their personality, given the same sales tools, level of education, and propensity to work.  So what can we, the consumers, learn from that to use them [...]]]></description>
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		<title>Random Acts of Generosity</title>
		<link>http://www.holisticmoneymanager.com/2012/04/26/random-acts-of-generosity/</link>
		<comments>http://www.holisticmoneymanager.com/2012/04/26/random-acts-of-generosity/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 08:01:05 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=785</guid>
		<description><![CDATA[The American author Jerrold Mundis introduced me to the concept of random acts of generosity.  In one of his books on personal money management he suggests to use part of the cash one sets aside for charity or a tithe to give to an unknown person. The method is simple: Just open the telephone directory [...]]]></description>
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		<title>The Two Other Pillars of Prosperity</title>
		<link>http://www.holisticmoneymanager.com/2012/04/16/the-two-other-pillars-of-prosperity/</link>
		<comments>http://www.holisticmoneymanager.com/2012/04/16/the-two-other-pillars-of-prosperity/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 06:00:19 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=771</guid>
		<description><![CDATA[1.Clarity “Clarity = Choice = Prosperity” (Sanni Kruger) In his novel “£9.99” the French author Frédéric Beigbeder lets his main character state that the advertising industry aims to frustrate us and make us dissatisfied with what we’ve got. That happy and content people don’t consume. Apparently, we are daily confronted with at least 1,000 advertising [...]]]></description>
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		<title>Two Pillars of Prosperity</title>
		<link>http://www.holisticmoneymanager.com/2012/03/23/two-pillars-of-prosperity/</link>
		<comments>http://www.holisticmoneymanager.com/2012/03/23/two-pillars-of-prosperity/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 09:59:55 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=753</guid>
		<description><![CDATA[1.Vision “If you don’t know where you are going you are sure to end up somewhere else”. (Mark Twain) Our vision is our mission, our dream, and our goal. It is forming a clear and specific picture of what we want to do in life, but many of us keep ourselves so busy doing what [...]]]></description>
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		<title>Is Frugality Compatible With Abundance?</title>
		<link>http://www.holisticmoneymanager.com/2012/03/14/is-frugality-compatible-with-abundance/</link>
		<comments>http://www.holisticmoneymanager.com/2012/03/14/is-frugality-compatible-with-abundance/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 10:01:02 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=746</guid>
		<description><![CDATA[Over the past few days I’ve been thinking about frugality and abundance and that, in my experience, a sense of abundance can actually lead to frugality.  In the process I thought about what abundance means to me, and then decided to look it up.  One dictionary definition talks of “a more than plentiful quantity of [...]]]></description>
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		<title>To tithe or not to tithe?</title>
		<link>http://www.holisticmoneymanager.com/2012/03/02/to-tithe-or-not-to-tithe/</link>
		<comments>http://www.holisticmoneymanager.com/2012/03/02/to-tithe-or-not-to-tithe/#comments</comments>
		<pubDate>Fri, 02 Mar 2012 09:58:11 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=737</guid>
		<description><![CDATA[The word “tithe” comes from the Old English word “teogoþa “, and means &#8220;tenth&#8221;.  Therefore it is a one-tenth part of something, paid as a contribution to a religious organisation or compulsory tax.  It was practiced in England for many centuries.  Giving is central to most religions as a principle of faith.  For instance, various [...]]]></description>
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		<title>4 Good Reason to Make a Will</title>
		<link>http://www.holisticmoneymanager.com/2012/02/02/4-good-reason-to-make-a-will/</link>
		<comments>http://www.holisticmoneymanager.com/2012/02/02/4-good-reason-to-make-a-will/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 06:53:12 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=719</guid>
		<description><![CDATA[In a recent blog I wrote about financial transparency within the family and why it is important in the day-to-day management of your finances.  Making a will is also part of the process.  You may think that you have nothing much of value to pass on, or that you are way too young to think [...]]]></description>
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		<title>Finances – A Family Affair?</title>
		<link>http://www.holisticmoneymanager.com/2012/01/24/finances-%e2%80%93-a-family-affair/</link>
		<comments>http://www.holisticmoneymanager.com/2012/01/24/finances-%e2%80%93-a-family-affair/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 11:47:58 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=713</guid>
		<description><![CDATA[A few years ago a member in my Quaker community told the story of how she was approached by a friend who wanted to ask her an “intimate” question.  The friend was terribly embarrassed and had difficulties getting the words out.  So my Quaker friend braced herself for what might come, only to hear: “Do [...]]]></description>
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		<title>How to avoid the Festive Financial Hangover</title>
		<link>http://www.holisticmoneymanager.com/2012/01/04/how-to-avoid-the-festive-financial-hangover/</link>
		<comments>http://www.holisticmoneymanager.com/2012/01/04/how-to-avoid-the-festive-financial-hangover/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 15:38:24 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=710</guid>
		<description><![CDATA[I have just come across some very sobering research:  According to Michael Ossei, personal finance expert at uSwitch.com 62% of people in Britain struggled to pay for this Christmas, and almost three in ten (28%) ended up in the red.  Apparently, 42% had Christmas on credit this year – 4% even took out new credit [...]]]></description>
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