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	<title>Comments for Smart Cookies</title>
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	<link>http://www.smartcookies.com</link>
	<description>Sweet Financial Tools and Advice That Fit Your Life</description>
	<lastBuildDate>Wed, 01 Feb 2012 00:39:37 +0000</lastBuildDate>
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		<title>Comment on We Need Your Help [VIDEO] by Hannah</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3888</link>
		<dc:creator>Hannah</dc:creator>
		<pubDate>Wed, 01 Feb 2012 00:39:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3888</guid>
		<description>1) Establishing an income while recovering from a sexual assault and a mental breakdown.  Mental capacity is diminished.
2) Ensuring I am able to afford food at reasonable expense while paying attention to special dietary needs.  Living in Northeastern BC makes the cost of living higher.  The wages for women are significantly less than that of male counterparts.
3) Planning for unexpected financial expenses.
4) Building up my RRSP&#039;s and investments again after an illness.</description>
		<content:encoded><![CDATA[<p>1) Establishing an income while recovering from a sexual assault and a mental breakdown.  Mental capacity is diminished.<br />
2) Ensuring I am able to afford food at reasonable expense while paying attention to special dietary needs.  Living in Northeastern BC makes the cost of living higher.  The wages for women are significantly less than that of male counterparts.<br />
3) Planning for unexpected financial expenses.<br />
4) Building up my RRSP&#8217;s and investments again after an illness.</p>
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		<title>Comment on We Need Your Help [VIDEO] by Karri</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3881</link>
		<dc:creator>Karri</dc:creator>
		<pubDate>Tue, 31 Jan 2012 05:57:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3881</guid>
		<description>1. Medical debt (as well as accruing costs)
2. Back taxes</description>
		<content:encoded><![CDATA[<p>1. Medical debt (as well as accruing costs)<br />
2. Back taxes</p>
]]></content:encoded>
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		<title>Comment on We Need Your Help [VIDEO] by Susan</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3879</link>
		<dc:creator>Susan</dc:creator>
		<pubDate>Mon, 30 Jan 2012 17:22:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3879</guid>
		<description>My biggest challenge is the new baby.  I&#039;m a single mom who would like to figure out how to continue investing in my RRSP&#039;s and TFSA will ensuring my daughter has everything (and every opportunity) I can offer her including and RESP.</description>
		<content:encoded><![CDATA[<p>My biggest challenge is the new baby.  I&#8217;m a single mom who would like to figure out how to continue investing in my RRSP&#8217;s and TFSA will ensuring my daughter has everything (and every opportunity) I can offer her including and RESP.</p>
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		<title>Comment on We Need Your Help [VIDEO] by Sarita</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3877</link>
		<dc:creator>Sarita</dc:creator>
		<pubDate>Mon, 30 Jan 2012 16:36:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3877</guid>
		<description>My two major concerns: medical bills and student loans.  I just feel overwhelmed. I am on the only one working in the home so I&#039;m responsible for just about everything and then some.  Feeling overwhelmed, I sometimes spend out of anxiety.  Not nearly as often as I used to because I can at least catch myself now. But I want that to be gone completely.  Any help will be greatly appreciated.  Thank you.</description>
		<content:encoded><![CDATA[<p>My two major concerns: medical bills and student loans.  I just feel overwhelmed. I am on the only one working in the home so I&#8217;m responsible for just about everything and then some.  Feeling overwhelmed, I sometimes spend out of anxiety.  Not nearly as often as I used to because I can at least catch myself now. But I want that to be gone completely.  Any help will be greatly appreciated.  Thank you.</p>
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		<title>Comment on We Need Your Help [VIDEO] by Dave</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3864</link>
		<dc:creator>Dave</dc:creator>
		<pubDate>Thu, 26 Jan 2012 19:00:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3864</guid>
		<description>Others have mentioned coming up with the money to pay down debt is a big challenge; but do not
forget it is also an opportunity to do something different to increase your income. I think it is 
important to be proactive and creative, starting Today.</description>
		<content:encoded><![CDATA[<p>Others have mentioned coming up with the money to pay down debt is a big challenge; but do not<br />
forget it is also an opportunity to do something different to increase your income. I think it is<br />
important to be proactive and creative, starting Today.</p>
]]></content:encoded>
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		<title>Comment on We Need Your Help [VIDEO] by Lori</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3859</link>
		<dc:creator>Lori</dc:creator>
		<pubDate>Wed, 25 Jan 2012 22:36:10 +0000</pubDate>
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		<description>1 groceries 
2 credit card debt
I love smart cookies I always follow your suggestions.. but I live way outside of the greater van... Hope.. so groceries are hard to get deals on unless I travel for 45-50 minutes .. savings? perhaps.. I am skeptical.. I have seen lots of different programs that suggest they will do just what you have promised.. but end up being some scheme that costs money and are not what they promise,,, I have never seen the smart cookies do that so I&#039;m praying this is a real answer.
thanks</description>
		<content:encoded><![CDATA[<p>1 groceries<br />
2 credit card debt<br />
I love smart cookies I always follow your suggestions.. but I live way outside of the greater van&#8230; Hope.. so groceries are hard to get deals on unless I travel for 45-50 minutes .. savings? perhaps.. I am skeptical.. I have seen lots of different programs that suggest they will do just what you have promised.. but end up being some scheme that costs money and are not what they promise,,, I have never seen the smart cookies do that so I&#8217;m praying this is a real answer.<br />
thanks</p>
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		<title>Comment on We Need Your Help [VIDEO] by Amy</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3858</link>
		<dc:creator>Amy</dc:creator>
		<pubDate>Wed, 25 Jan 2012 15:55:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3858</guid>
		<description>Paying off my mortgage quicker &amp; saving money!</description>
		<content:encoded><![CDATA[<p>Paying off my mortgage quicker &amp; saving money!</p>
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		<title>Comment on We Need Your Help [VIDEO] by Georgia Cameron-Gregoire</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3855</link>
		<dc:creator>Georgia Cameron-Gregoire</dc:creator>
		<pubDate>Tue, 24 Jan 2012 21:25:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3855</guid>
		<description>1.  How to get extra money to pay my debts
2. Student loans</description>
		<content:encoded><![CDATA[<p>1.  How to get extra money to pay my debts<br />
2. Student loans</p>
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		<title>Comment on We Need Your Help [VIDEO] by Ashley</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3853</link>
		<dc:creator>Ashley</dc:creator>
		<pubDate>Tue, 24 Jan 2012 18:40:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3853</guid>
		<description>My husband and 8 month old daughter currently rent . We both work full time ( however I am currently on mat leave). It seems like we are living paycheck to paycheck. We want our own home and to be able to live comfortably but it seems impossible. We would love some guidance and ideas to get out of debt and actually be able to save!</description>
		<content:encoded><![CDATA[<p>My husband and 8 month old daughter currently rent . We both work full time ( however I am currently on mat leave). It seems like we are living paycheck to paycheck. We want our own home and to be able to live comfortably but it seems impossible. We would love some guidance and ideas to get out of debt and actually be able to save!</p>
]]></content:encoded>
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		<title>Comment on We Need Your Help [VIDEO] by Francess Mudge-Lisk</title>
		<link>http://www.smartcookies.com/we-need-your-help-video/#comment-3849</link>
		<dc:creator>Francess Mudge-Lisk</dc:creator>
		<pubDate>Mon, 23 Jan 2012 19:04:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.smartcookies.com/?p=6721#comment-3849</guid>
		<description>Hi there!  I am out of debt except for my monthly charges, which I pay off at the end of the month.  Now the question is how to stay out of debt, expecially since my debt cycle has been ongoing for at least 26 years.  How do I stop the madness of this cycle?  I have also had a couple of salary increases and have automatically deposited them into separate savings accounts (both earning next to nothing in interest).  Should I chance it and combine the savings accounts and  invest the money or leave it as is?  Or, should I put the money or a part of that money into my ira or roth account?  This is where things get dodgy for me.  Thanks!</description>
		<content:encoded><![CDATA[<p>Hi there!  I am out of debt except for my monthly charges, which I pay off at the end of the month.  Now the question is how to stay out of debt, expecially since my debt cycle has been ongoing for at least 26 years.  How do I stop the madness of this cycle?  I have also had a couple of salary increases and have automatically deposited them into separate savings accounts (both earning next to nothing in interest).  Should I chance it and combine the savings accounts and  invest the money or leave it as is?  Or, should I put the money or a part of that money into my ira or roth account?  This is where things get dodgy for me.  Thanks!</p>
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