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	<title>FinancialHealthGuy.com &#187; discretionary</title>
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		<title>The Problem With Credit: Don’t Rent Your Money</title>
		<link>http://financialhealthguy.com/2009/05/the-problem-with-credit-don%e2%80%99t-rent-your-money/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=the-problem-with-credit-don%25e2%2580%2599t-rent-your-money</link>
		<comments>http://financialhealthguy.com/2009/05/the-problem-with-credit-don%e2%80%99t-rent-your-money/#comments</comments>
		<pubDate>Fri, 15 May 2009 14:04:58 +0000</pubDate>
		<dc:creator>Jason</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[cost benefit]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[discretionary]]></category>
		<category><![CDATA[expense log]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[The Expense Grid]]></category>
		<category><![CDATA[variable]]></category>
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		<guid isPermaLink="false">http://financialhealthguy.com/?p=279</guid>
		<description><![CDATA[Overspending is one of the biggest problems that Americans have faced in the last few years, and it often occurs because of the ease by which we can get credit.]]></description>
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		<title>Expense Logging Analysis Part Two: Using The Expense Grid</title>
		<link>http://financialhealthguy.com/2009/03/expense-logging-analysis-part-two-using-the-expense-grid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=expense-logging-analysis-part-two-using-the-expense-grid</link>
		<comments>http://financialhealthguy.com/2009/03/expense-logging-analysis-part-two-using-the-expense-grid/#comments</comments>
		<pubDate>Wed, 04 Mar 2009 17:01:01 +0000</pubDate>
		<dc:creator>Jason</dc:creator>
				<category><![CDATA[The Expense Grid]]></category>
		<category><![CDATA[discretionary]]></category>
		<category><![CDATA[expense log]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[fixed]]></category>
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		<category><![CDATA[luxuries]]></category>
		<category><![CDATA[necessary]]></category>
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		<guid isPermaLink="false">http://financialhealthguy.com/?p=169</guid>
		<description><![CDATA[As you read in Expense Logging Analysis Part One, the money you spend falls into four distinct categories: F/N, F/D, V/N, and V/D. The question now is what to do with this information!]]></description>
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		<title>Expense Logging Analysis Part One: The Expense Grid</title>
		<link>http://financialhealthguy.com/2009/02/expense-logging-analysis-part-one-the-expense-grid/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=expense-logging-analysis-part-one-the-expense-grid</link>
		<comments>http://financialhealthguy.com/2009/02/expense-logging-analysis-part-one-the-expense-grid/#comments</comments>
		<pubDate>Sat, 28 Feb 2009 18:18:26 +0000</pubDate>
		<dc:creator>Jason</dc:creator>
				<category><![CDATA[The Expense Grid]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[discretionary]]></category>
		<category><![CDATA[expense log]]></category>
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		<guid isPermaLink="false">http://financialhealthguy.com/?p=163</guid>
		<description><![CDATA[The expense grid is a simple but incredibly powerful tool I've been developing while reviewing my expense logging and category systems. ]]></description>
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		<title>Variable Discretionary (V/D) Expenses</title>
		<link>http://financialhealthguy.com/2009/02/variable-discretionary-expenses/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=variable-discretionary-expenses</link>
		<comments>http://financialhealthguy.com/2009/02/variable-discretionary-expenses/#comments</comments>
		<pubDate>Thu, 19 Feb 2009 02:14:11 +0000</pubDate>
		<dc:creator>Jason</dc:creator>
				<category><![CDATA[The Expense Grid]]></category>
		<category><![CDATA[discretionary]]></category>
		<category><![CDATA[expense log]]></category>
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		<guid isPermaLink="false">http://financialhealthguy.com/?p=39</guid>
		<description><![CDATA[The variable discretionary expense is the bane of your financial health.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Fixed Discretionary (F/D) Expenses</title>
		<link>http://financialhealthguy.com/2009/02/fixed-discretionary-fd-expenses/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=fixed-discretionary-fd-expenses</link>
		<comments>http://financialhealthguy.com/2009/02/fixed-discretionary-fd-expenses/#comments</comments>
		<pubDate>Fri, 13 Feb 2009 16:08:16 +0000</pubDate>
		<dc:creator>Jason</dc:creator>
				<category><![CDATA[The Expense Grid]]></category>
		<category><![CDATA[discretionary]]></category>
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		<category><![CDATA[fixed]]></category>
		<category><![CDATA[setting goals]]></category>
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		<guid isPermaLink="false">http://financialhealthguy.com/?p=34</guid>
		<description><![CDATA[The fixed discretionary expense category is generally the smallest in the expense grid.]]></description>
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