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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>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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		<slash:comments>0</slash:comments>
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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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		<slash:comments>0</slash:comments>
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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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		<slash:comments>0</slash:comments>
		</item>
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		<title>Can You Expand Time? &#8211; You Betcha!</title>
		<link>http://www.holisticmoneymanager.com/2011/12/08/can-you-expand-time-you-betcha/</link>
		<comments>http://www.holisticmoneymanager.com/2011/12/08/can-you-expand-time-you-betcha/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 10:27:29 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=691</guid>
		<description><![CDATA[Why is a money coach writing about time management?  Because I’ve discovered that we often have the same behaviour patterns around the way we use money and how we spend our time and energy.  For instance, before I got into the habit of cashflow planning my pattern around money used to be “feast and famine”. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Cashflow Plan or Budget?</title>
		<link>http://www.holisticmoneymanager.com/2011/11/23/cashflow-plan-or-budget/</link>
		<comments>http://www.holisticmoneymanager.com/2011/11/23/cashflow-plan-or-budget/#comments</comments>
		<pubDate>Wed, 23 Nov 2011 09:52:29 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.holisticmoneymanager.com/?p=687</guid>
		<description><![CDATA[Recently I was asked whether cashflow planning isn’t the same as budgeting.  My answer is an emphatic “no”, even though at first glance they look the same.  However, cashflow planning is slightly different.  It looks at our needs first, and then how we can meet them within our means.  Not at how much money we [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Morality versus Legality</title>
		<link>http://www.holisticmoneymanager.com/2011/11/03/morality-versus-legality/</link>
		<comments>http://www.holisticmoneymanager.com/2011/11/03/morality-versus-legality/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 06:39:08 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sannikruger.wordpress.com/?p=198</guid>
		<description><![CDATA[When this cartoon appeared in the Financial Times in August (http://dld.bz/awCmT#), it drew an outraged response. A reader criticized Ingram Pinn, the cartoonist, for daring to compare bankers, who earned their bonuses legally, with the illegal inflation of MPs expenses and the criminality of rioters.  However, when I saw the cartoon I immediately thought: “At [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
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		<title>What’s in a Trillion?</title>
		<link>http://www.holisticmoneymanager.com/2011/10/20/what%e2%80%99s-in-a-trillion/</link>
		<comments>http://www.holisticmoneymanager.com/2011/10/20/what%e2%80%99s-in-a-trillion/#comments</comments>
		<pubDate>Thu, 20 Oct 2011 06:12:52 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sannikruger.wordpress.com/?p=190</guid>
		<description><![CDATA[In the “good old days”, actually not all that long ago, money was something we could experience or visualise in a tangible form, such as coins and banknotes in our purse.  Even cheques feel more real than the virtual electronic money most of us have got used to. I still remember when, as a small [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>How to Live According to Your Needs?</title>
		<link>http://www.holisticmoneymanager.com/2011/10/11/how-to-live-according-to-your-needs/</link>
		<comments>http://www.holisticmoneymanager.com/2011/10/11/how-to-live-according-to-your-needs/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 09:51:21 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sannikruger.wordpress.com/?p=187</guid>
		<description><![CDATA[In my last blog I quoted Imran Khan saying that he lives according to his needs, which he believes to be the secret of contentment.  But how do you actually identify what your real needs are? Oddly enough seeing what we actually spend our money on can give us the most important clues.  Here are [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>“I Live According to My Needs…</title>
		<link>http://www.holisticmoneymanager.com/2011/10/05/%e2%80%9ci-live-according-to-my-needs%e2%80%a6/</link>
		<comments>http://www.holisticmoneymanager.com/2011/10/05/%e2%80%9ci-live-according-to-my-needs%e2%80%a6/#comments</comments>
		<pubDate>Wed, 05 Oct 2011 10:40:39 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sannikruger.wordpress.com/?p=182</guid>
		<description><![CDATA[… which is the secret of contentment.”  This is what former Pakistani cricketer Imran Khan said in a recent interview with the Financial Times in response to the question whether he had made any pension provision.  He went on to say that he would do cricket analysis on TV whenever he ran short of money [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Guest Blog – “Things Happy People Do Differently”</title>
		<link>http://www.holisticmoneymanager.com/2011/09/23/guest-blog-%e2%80%93-%e2%80%9cthings-happy-people-do-differently%e2%80%9d/</link>
		<comments>http://www.holisticmoneymanager.com/2011/09/23/guest-blog-%e2%80%93-%e2%80%9cthings-happy-people-do-differently%e2%80%9d/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 11:09:15 +0000</pubDate>
		<dc:creator>SanniKruger</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://sannikruger.wordpress.com/?p=178</guid>
		<description><![CDATA[by my American colleague Rikki Grooms, President of Personal Finance 4 The People ( http://dld.bz/ars7w ) It&#8217;s FRIDAY! A day a happiness for most of us, when 5pm hits. How can you keep that TGIF feeling all week? Express gratitude. – When you appreciate what you have, what you have appreciates in value. Kinda cool [...]]]></description>
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		<slash:comments>1</slash:comments>
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