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		<title>BDC: Twenty Eleven</title>
		<link>https://bahua.com/a/4mp3</link>
		<description>All responses and updates to "Twenty Eleven"</description>
		<pubDate>Wed, 16 Feb 2011 10:40:37 -0600</pubDate>
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			<title>Brian at Thu, 17 Feb 2011 09:05:52 -0600</title>
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			<description><![CDATA[I think a big key is building up your buffer. The general advice I've heard is that you should have 6 months salary saved up. Granted, I've been working on that for years, and am still not there, but I have several months saved.<br><br>

Once you have much buffer at all, the regular ups and downs of the paycheck/payments cycle just go away.<br><br>

As for a second account, I do keep a my own ledger/register like, but I only split things "virtually" in that ledger. Saves the hassle of transferring to and maintaining an actual distinct account.<br><br>

Anyway, good luck.<br><br>
]]></description>
			<pubDate>Thu, 17 Feb 2011 09:05:52 -0600</pubDate>
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			<title>Rick at Thu, 14 Apr 2011 21:59:54 -0600</title>
			<link>https://bahua.com/a/4mp3</link>
			<description><![CDATA[I have been a follower of the Dave Ramsey plan.  He puts savings and debt obliteration into perspective.  Some people save up 6-8 months of savings and not apply that to debt.  That is like taking out a 6,000 dollar loan when you are debt free to have some cash in the bank.  Doesn't make sense.<br><br>

Financial Peace University was great (steps down from soapbox...)<br><br>
]]></description>
			<pubDate>Thu, 14 Apr 2011 21:59:54 -0600</pubDate>
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