<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="http://www.savingforserenity.com/wp-content/plugins/google-sitemap-generator/sitemap.xsl"?><!-- generator="wordpress/2.9.2" -->
<!-- sitemap-generator-url="http://www.arnebrachhold.de" sitemap-generator-version="3.2.4" -->
<!-- generated-on="June 23, 2010 10:36 pm" -->
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">	<url>
		<loc>http://www.savingforserenity.com/</loc>
		<lastmod>2010-06-23T00:13:44+00:00</lastmod>
		<changefreq>daily</changefreq>
		<priority>1.0</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/the-ultimate-list-of-personal-finance-bloggers-on-twitter/</loc>
		<lastmod>2010-06-23T00:13:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/subscribe/</loc>
		<lastmod>2010-06-23T00:13:04+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/should-you-own-your-house-or-rent-it/</loc>
		<lastmod>2010-06-22T17:30:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/small-changes-to-help-you-save/</loc>
		<lastmod>2010-06-21T14:54:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/importantce-of-outlining-your-goals/</loc>
		<lastmod>2010-06-07T17:55:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/budgeting-in-steps/</loc>
		<lastmod>2010-05-28T14:59:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/unnecessary-bank-charges/</loc>
		<lastmod>2010-05-26T16:44:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/learning-to-save-by-starting-small/</loc>
		<lastmod>2010-05-21T12:48:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/choosing-a-good-credit-card/</loc>
		<lastmod>2010-05-20T15:24:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/simple-tips-to-save-money/</loc>
		<lastmod>2010-05-18T17:46:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/creating-and-improving-your-budget/</loc>
		<lastmod>2010-05-17T13:09:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/receiving-my-tax-refund/</loc>
		<lastmod>2010-05-12T16:32:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/financial-literacy-for-kids/</loc>
		<lastmod>2010-05-10T16:27:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/tax-tips-for-students/</loc>
		<lastmod>2010-05-07T15:56:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/uses-for-your-tax-refund/</loc>
		<lastmod>2010-05-05T14:58:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/interest-rates-on-the-rise-lock-in-a-rate-to-start-saving/</loc>
		<lastmod>2010-04-28T14:34:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/rules-to-escaping-debt-rule-3/</loc>
		<lastmod>2010-04-23T13:57:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/tracking-your-spending-on-the-move/</loc>
		<lastmod>2010-04-21T15:27:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/teaching-the-concept-of-saving-to-your-children/</loc>
		<lastmod>2010-04-14T15:27:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/how-declaring-bankruptcy-affects-your-life-insurance-rate-2/</loc>
		<lastmod>2010-04-13T15:53:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/common-tax-filing-mistakes-taxpayers-need-to-know-2/</loc>
		<lastmod>2010-04-12T20:28:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/beware-of-fraudulent-emails/</loc>
		<lastmod>2010-04-12T14:49:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/how-to-lower-your-debt/</loc>
		<lastmod>2010-04-09T13:28:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/achieving-serenity-now/</loc>
		<lastmod>2010-04-07T15:05:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/rules-to-escaping-debt-rule-2/</loc>
		<lastmod>2010-04-05T15:08:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/saving-on-bank-convenience-fees/</loc>
		<lastmod>2010-03-31T14:27:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/spending-less-than-you-make-the-first-step/</loc>
		<lastmod>2010-03-29T14:28:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/avoiding-digital-identity-theft/</loc>
		<lastmod>2010-03-26T14:04:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/saving-on-banking-fees/</loc>
		<lastmod>2010-03-24T15:07:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/rules-to-escaping-debt-rule-1/</loc>
		<lastmod>2010-03-22T15:23:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/spending-less-than-you-make-a-key-to-budgeting-and-saving/</loc>
		<lastmod>2010-03-19T15:11:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/how-to-lower-your-costs-and-stay-out-of-debt/</loc>
		<lastmod>2010-03-18T17:23:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/maximizing-your-savings/</loc>
		<lastmod>2010-03-17T14:32:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/starting-to-save-again/</loc>
		<lastmod>2010-03-15T15:05:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/recording-your-expenses-asap/</loc>
		<lastmod>2010-03-12T16:05:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/the-serenity-prayer-and-how-it-applies-to-your-finances/</loc>
		<lastmod>2010-03-11T04:43:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/home-buyer-tips/</loc>
		<lastmod>2010-03-10T15:57:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/unusual-ways-to-save-money-at-costco/</loc>
		<lastmod>2010-03-10T03:20:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/fail-to-plan-or-plan-to-fail-why-we-avoid-important-decisions/</loc>
		<lastmod>2010-03-10T03:15:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/affluence-and-poverty-where-do-we-belong/</loc>
		<lastmod>2010-03-10T02:24:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/wedding-expenses/post-honeymoon-consumerism/</loc>
		<lastmod>2010-03-10T02:16:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/wedding-expenses-location-location-location/</loc>
		<lastmod>2010-03-10T02:13:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/saving-money-on-prescriptions-glasses-contacts/</loc>
		<lastmod>2010-03-10T01:59:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/do-video-game-rentals-really-save-money/</loc>
		<lastmod>2010-03-10T01:49:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/frugal-vs-cheap-the-final-showdown/</loc>
		<lastmod>2010-03-10T01:35:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/five-ways-to-save-money-using-a-warehouse-club-membership/</loc>
		<lastmod>2010-03-10T01:28:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/the-harmonized-sales-tax-what-it-means-for-me-you-small-businesses/</loc>
		<lastmod>2010-03-10T00:23:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/serenity-now-remove-stress-free-yourself-and-relax/</loc>
		<lastmod>2010-03-10T00:02:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/its-magic-why-index-funds-come-out-above-average-every-time/</loc>
		<lastmod>2010-03-09T23:50:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/50-things-everyone-ought-to-know-about-their-money-and-hundreds-of-questions-to-ask-along-the-way/</loc>
		<lastmod>2010-03-08T22:50:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/financial-freedom-at-what-cost/</loc>
		<lastmod>2010-03-08T22:46:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/what-is-retirement/</loc>
		<lastmod>2010-03-08T22:44:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/saving-money-on-our-cell-phone-bill/</loc>
		<lastmod>2010-03-08T22:37:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/are-budgets-dead-ask-the-reader/</loc>
		<lastmod>2010-03-08T22:33:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/how-to-set-up-an-online-savings-account/</loc>
		<lastmod>2010-03-08T22:32:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/the-inconvenience-of-cash/</loc>
		<lastmod>2010-03-08T22:28:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/the-hidden-costs-of-shopping/</loc>
		<lastmod>2010-03-08T22:23:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/8-reasons-you-should-spend-more-than-you-earn/</loc>
		<lastmod>2010-03-08T21:30:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/automating-annual-expenses/</loc>
		<lastmod>2010-03-08T21:27:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/dealing-with-annual-expenses/</loc>
		<lastmod>2010-03-08T21:23:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/how-to-start-an-emergency-fund/</loc>
		<lastmod>2010-03-08T21:18:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/a-new-era-of-personal-finance/</loc>
		<lastmod>2010-03-08T21:10:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/7-reasons-to-stop-tracking-your-finances/</loc>
		<lastmod>2010-03-08T21:04:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/keeping-track-of-your-budget/</loc>
		<lastmod>2010-03-08T15:23:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/review/weekend-review-02-05-09/</loc>
		<lastmod>2010-03-07T06:49:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/spend-less-than-you-make-taking-responsibility/</loc>
		<lastmod>2010-03-06T23:51:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/spend-less-than-you-make-earning-a-living/</loc>
		<lastmod>2010-03-06T23:49:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/spend-less-than-you-make-embrace-less/</loc>
		<lastmod>2010-03-06T23:47:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/further-reductions-in-our-fixed-expenses/</loc>
		<lastmod>2010-03-06T23:29:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/quickly-calculating-your-net-worth/</loc>
		<lastmod>2010-03-06T23:21:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/how-to-save-money-on-your-commute/</loc>
		<lastmod>2010-03-06T23:15:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/how-much-should-i-spend-on-debt-repayment/</loc>
		<lastmod>2010-03-06T22:40:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/how-much-should-i-spend-on-housing/</loc>
		<lastmod>2010-03-06T22:36:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/rocking-rudder-review/</loc>
		<lastmod>2010-03-06T22:20:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/5-reasons-why-we-spend-more-than-we-make/</loc>
		<lastmod>2010-03-06T22:05:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/6-ways-to-get-financially-motivated/</loc>
		<lastmod>2010-03-06T21:57:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/are-you-ready-to-tackle-your-personal-finances/</loc>
		<lastmod>2010-03-06T21:54:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/calculating-your-true-financial-health/</loc>
		<lastmod>2010-03-06T21:36:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/how-to-repay-your-canadian-student-loan/</loc>
		<lastmod>2010-03-06T21:21:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/quicktax-2009-review-prize/</loc>
		<lastmod>2010-03-06T18:16:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/win-a-free-copy-of-quicktax/</loc>
		<lastmod>2010-03-05T18:12:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/the-moving-process-furniture/</loc>
		<lastmod>2010-03-04T20:44:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/the-moving-process-a-moving-truck/</loc>
		<lastmod>2010-03-04T20:43:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/the-moving-process-changing-addresses/</loc>
		<lastmod>2010-03-04T20:42:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/saving-while-buying-a-house/</loc>
		<lastmod>2010-03-03T15:17:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/money-well-spent/spending-what-you-save/</loc>
		<lastmod>2010-03-01T16:37:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/small-choices-big-difference-part-iii/</loc>
		<lastmod>2010-02-28T22:05:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/small-choices-big-difference-part-ii/</loc>
		<lastmod>2010-02-28T22:04:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/small-choices-big-difference-part-i/</loc>
		<lastmod>2010-02-28T21:57:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/money-well-spent/money-well-spent-part-ii/</loc>
		<lastmod>2010-02-28T21:44:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/about-me/</loc>
		<lastmod>2010-02-28T21:39:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/defining-the-gap/</loc>
		<lastmod>2010-02-28T21:37:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/reaching-the-savings-goal/</loc>
		<lastmod>2010-02-26T17:13:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/series/money-well-spent/money-well-spent-part-i/</loc>
		<lastmod>2010-02-25T20:27:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/ignorance-and-fear/</loc>
		<lastmod>2010-02-25T20:15:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/a-look-forward/</loc>
		<lastmod>2010-02-25T20:07:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/review/weekend-review-21-03-09/</loc>
		<lastmod>2010-02-25T19:58:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/how-to/a-slow-start/</loc>
		<lastmod>2010-02-25T19:54:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/how-to-reduce-fixed-expenses-in-three-easy-steps/</loc>
		<lastmod>2010-02-25T19:52:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/how-to-track-your-spending-with-a-spending-record/</loc>
		<lastmod>2010-02-25T19:50:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/whats-your-time-worth/</loc>
		<lastmod>2010-02-25T19:26:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/budgeting/a-priority-shakedown/</loc>
		<lastmod>2010-02-17T02:37:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/contact-us/</loc>
		<lastmod>2010-02-16T06:40:37+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/about-serenity/</loc>
		<lastmod>2010-02-16T06:29:49+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/about-serenity-2/</loc>
		<lastmod>2010-02-16T06:29:29+00:00</lastmod>
		<changefreq>weekly</changefreq>
		<priority>0.6</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/1oo-personal-finance-posts-that-can-help-you-save/</loc>
		<lastmod>2010-02-12T14:24:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/save-on-banking-fees/</loc>
		<lastmod>2010-02-10T15:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/saving-mistake-saving-without-a-purpose/</loc>
		<lastmod>2010-02-09T03:03:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/using-your-budget-at-its-fullest/</loc>
		<lastmod>2010-02-05T15:39:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/saving-to-become-a-millionaire/</loc>
		<lastmod>2010-02-03T15:46:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/saving/saving-without-stress/</loc>
		<lastmod>2010-02-01T16:09:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/saving-for-serenity-reborn/</loc>
		<lastmod>2010-01-25T01:05:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/time-money-and-so-little-of-either/</loc>
		<lastmod>2009-08-26T12:00:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/a-budget-friendly-wedding-how-i-got-married-for-less-than-1000/</loc>
		<lastmod>2009-08-19T12:00:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/financial-honesty-creates-personal-freedom/</loc>
		<lastmod>2009-08-12T12:00:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/guest-posts/do-you-need-financial-crutches/</loc>
		<lastmod>2009-08-09T12:00:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/1-more-reason-you-should-spend-more-than-you-earn/</loc>
		<lastmod>2009-07-17T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/reducing-financial-stress-ask-the-reader/</loc>
		<lastmod>2009-07-15T13:31:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/stop-silly-spending-start-shopping-smart/</loc>
		<lastmod>2009-07-06T11:37:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/the-first-three-steps-to-swoopo-green-shoots-a-weekend-review/</loc>
		<lastmod>2009-06-27T13:39:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/are-you-ready-for-christmas/</loc>
		<lastmod>2009-06-26T01:51:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/a-wedding-temptation/</loc>
		<lastmod>2009-06-22T12:00:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/dont-want-to-benefit-from-less-than-you-earn-a-weekend-review/</loc>
		<lastmod>2009-06-20T12:00:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/guest-post-moolanomy/</loc>
		<lastmod>2009-06-17T05:20:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/bulletproof-ways-of-the-long-distance-little-money-a-weekend-review/</loc>
		<lastmod>2009-06-13T14:14:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/spend-less-than-you-make/</loc>
		<lastmod>2009-06-08T13:24:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/397-ways-to-save-weight-on-bad-garden-advice-a-weekend-review/</loc>
		<lastmod>2009-06-06T04:23:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/the-entertainment-matrix/</loc>
		<lastmod>2009-06-05T12:00:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/combining-finances-grace-and-mercy/</loc>
		<lastmod>2009-06-03T12:00:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/a-frugal-home-owner-sacrifices-ikea-a-weekend-review/</loc>
		<lastmod>2009-05-30T12:00:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/the-interwebs-have-failed-me-a-weekend-review/</loc>
		<lastmod>2009-05-23T22:42:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/less-posting-on-saving-for-serenity/</loc>
		<lastmod>2009-05-21T12:00:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/wedding-expenses-diy-invitations/</loc>
		<lastmod>2009-05-19T12:00:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/killing-sacred-cows-its-all-about-the-numbers-myth/</loc>
		<lastmod>2009-05-18T16:45:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/viral-films-a-weekend-review/</loc>
		<lastmod>2009-05-16T16:26:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/combining-finances-communication-barriers/</loc>
		<lastmod>2009-05-13T12:00:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/updated-rss-feed/</loc>
		<lastmod>2009-05-10T02:07:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/one-step-at-a-time-a-weekend-review/</loc>
		<lastmod>2009-05-09T10:00:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/how-much-should-you-tip-your-waitress/</loc>
		<lastmod>2009-05-08T13:52:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/a-selfless-emergency-fund/</loc>
		<lastmod>2009-05-06T13:00:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/popular/wedding-expenses-how-we-saved-money-on-the-wedding-bands/</loc>
		<lastmod>2009-05-05T04:26:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/you-have-the-money-for-the-things-you-want/</loc>
		<lastmod>2009-04-27T20:58:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/weekend-review-18-04-09/</loc>
		<lastmod>2009-04-18T13:00:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/saving-for-serenity-added-to-greatnexus/</loc>
		<lastmod>2009-04-13T15:59:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/combining-finances-long-term-dating/</loc>
		<lastmod>2009-04-13T13:00:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/facing-the-unexpected-or-adventures-with-broken-computers/</loc>
		<lastmod>2009-04-09T13:00:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/the-illusion-of-security/</loc>
		<lastmod>2009-04-08T13:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/combining-finances-starting-to-date/</loc>
		<lastmod>2009-04-07T13:59:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/combining-finances-developing-friendship/</loc>
		<lastmod>2009-04-01T13:00:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/weekend-review-28-03-09/</loc>
		<lastmod>2009-03-28T13:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/grocery-roundup/</loc>
		<lastmod>2009-03-27T13:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/the-biggest-barrier-to-financial-freedom-is-ourselves/</loc>
		<lastmod>2009-03-20T13:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/the-credit-crisis-explained/</loc>
		<lastmod>2009-03-18T13:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/motivation/</loc>
		<lastmod>2009-03-17T13:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/what-kind-of-money-do-you-want/</loc>
		<lastmod>2009-03-11T22:53:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/why-save-money/</loc>
		<lastmod>2009-03-11T05:02:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/a-day-of-writing/</loc>
		<lastmod>2009-03-07T22:38:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/life-worth-living/</loc>
		<lastmod>2009-03-05T04:52:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/the-great-blog-off/</loc>
		<lastmod>2009-03-03T14:28:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>http://www.savingforserenity.com/uncategorized/so-it-begins/</loc>
		<lastmod>2009-03-03T02:00:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
</urlset>