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	<title>Financial Freedom &#187; Savings</title>
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	<link>http://financialrich.com</link>
	<description>Wealth Building, Retire Early, Personel Money, Financial Planning, Saving Tips</description>
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		<title>The Latte Factor</title>
		<link>http://financialrich.com/2010/01/16/the-latte-factor/</link>
		<comments>http://financialrich.com/2010/01/16/the-latte-factor/#comments</comments>
		<pubDate>Sat, 16 Jan 2010 13:01:50 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://financialrich.com/2010/01/16/the-latte-factor/</guid>
		<description><![CDATA[If you ever heard of David Bach, author of Automatic Millionaire,&#160; you should also heard of Latte Factor. It is his personal finance advise trademark which can lead you to become a millionaire automatically one day.&#160; &#160; So what is the secret of The Latte Factor? The Latte Factor teach us to save money on [...]]]></description>
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		<slash:comments>10</slash:comments>
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		<title>Survey First Before You Spend</title>
		<link>http://financialrich.com/2009/12/31/survey-first-before-you-spend/</link>
		<comments>http://financialrich.com/2009/12/31/survey-first-before-you-spend/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 23:46:46 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/12/31/survey-first-before-you-spend/</guid>
		<description><![CDATA[It is end of the year and dining promotion is everywhere, especially for Christmas eve and New Year eve. I had a romantic dinner with my girlfriend on Christmas Eve but it do not come with cheap. I spend hundred ringgit for a one hour plus dinner on Christmas eve. &#160; Actually, we don’t mean [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>PTPTN Exemption For First Class Honor</title>
		<link>http://financialrich.com/2009/11/16/ptptn-exemption-for-first-class-honor/</link>
		<comments>http://financialrich.com/2009/11/16/ptptn-exemption-for-first-class-honor/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 07:20:49 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Savings]]></category>

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		<description><![CDATA[In Budget 2010 announced on 23 Oct 2009, graduates who pass with first class honor will have their PTPTN loan waived. First class honor&#160; graduates do not need to pay back the loan again. &#160; What a good news to the first year students to study hard to have their PTPTN waived. Government intends to [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Live Below Your Means</title>
		<link>http://financialrich.com/2009/09/09/live-below-your-means/</link>
		<comments>http://financialrich.com/2009/09/09/live-below-your-means/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 12:48:46 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Motivation]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/09/09/live-below-your-means/</guid>
		<description><![CDATA[Almost all financial expert give advise of to live below your means. In other words, spend less than your earn. If your monthly income is RM2000, you spend less than that amount each month. You don’t buy a 42” LCD TV which might cause around RM5000 or more by installment. This figure have exceed your [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Inflation=Wealth Biggest Enemy</title>
		<link>http://financialrich.com/2009/08/27/inflationwealth-biggest-enemy/</link>
		<comments>http://financialrich.com/2009/08/27/inflationwealth-biggest-enemy/#comments</comments>
		<pubDate>Thu, 27 Aug 2009 09:24:51 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[Inflation]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Wealth Building]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/08/27/inflationwealth-biggest-enemy/</guid>
		<description><![CDATA[Inflation is our biggest enemy in building wealth. If you neglect the existence of inflation, you definitely end up being poor or middle. If you still wonder what inflation is, you may refer to my previous post. Inflation is wealth stealer. It steal your money silently and unconsciously. You might not aware of your decreasing [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Start Saving From Now</title>
		<link>http://financialrich.com/2009/08/26/start-saving-from-now/</link>
		<comments>http://financialrich.com/2009/08/26/start-saving-from-now/#comments</comments>
		<pubDate>Wed, 26 Aug 2009 06:15:30 +0000</pubDate>
		<dc:creator>Mrcoolku</dc:creator>
				<category><![CDATA[Invesment]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[Tips]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://financialrich.com/2009/08/26/start-saving-from-now/</guid>
		<description><![CDATA[From this post, I would like to highlight two things 1) how powerful is the compounding interest and 2) Start saving and invest earlier. Study the table below and examine the different between it. The table below represent 3 persons start saving and investing at different age and different amount of money. Assuming the 10% [...]]]></description>
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		<slash:comments>2</slash:comments>
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