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	<title>Comments on: Making 2009 Shine. Bite-Sized Goals Taste Better and Go Down Easier.</title>
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	<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/</link>
	<description>You haven&#039;t budgeted like this.</description>
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		<title>By: What High-Fructose Corn Syrup, Portion Sizes, and Budgeting Have in Common.</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-682</link>
		<dc:creator>What High-Fructose Corn Syrup, Portion Sizes, and Budgeting Have in Common.</dc:creator>
		<pubDate>Thu, 06 Jan 2011 00:23:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-682</guid>
		<description>[...] made a New Year&#8217;s resolution in 2009: I want to get my body fat percentage to [...]</description>
		<content:encoded><![CDATA[<p>[...] made a New Year&#8217;s resolution in 2009: I want to get my body fat percentage to [...]</p>
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	<item>
		<title>By: The Secret to Improving Your Finances, Bench Press, and Golf Game &#8212; Among Other Things</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-681</link>
		<dc:creator>The Secret to Improving Your Finances, Bench Press, and Golf Game &#8212; Among Other Things</dc:creator>
		<pubDate>Wed, 14 Oct 2009 21:41:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-681</guid>
		<description>[...] not going to come nearly as much from my current build. On New Year&#8217;s Eve of 2008 I wrote: Physical – No soda this year. H2O, here I come! Also, I want to get my BFP to 9%. In years past [...]</description>
		<content:encoded><![CDATA[<p>[...] not going to come nearly as much from my current build. On New Year&#8217;s Eve of 2008 I wrote: Physical – No soda this year. H2O, here I come! Also, I want to get my BFP to 9%. In years past [...]</p>
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		<title>By: Jon W</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-680</link>
		<dc:creator>Jon W</dc:creator>
		<pubDate>Wed, 04 Mar 2009 17:10:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-680</guid>
		<description>Jesse, you referred to &quot;an entire post&quot; yet to come on the subject of a year supply of food.  Can we expect that soon?

As Deozaan mentions above, I too am having a little trouble with your &quot;year supply spreadsheet.&quot;  I&#039;m really not sure how it is supposed to work, nor how to interpret the information in it.  Could you provide some guidance here?

I&#039;ve seen a lot of different sources on the internet for food products to be used in long-term storage.  Do you recommend using these types of resources?  A combination of on-line sources, your local grocery store, and canning vegetables from your garden?  I&#039;d like to hear more of your insights on this subject, please.</description>
		<content:encoded><![CDATA[<p>Jesse, you referred to &#8220;an entire post&#8221; yet to come on the subject of a year supply of food.  Can we expect that soon?</p>
<p>As Deozaan mentions above, I too am having a little trouble with your &#8220;year supply spreadsheet.&#8221;  I&#8217;m really not sure how it is supposed to work, nor how to interpret the information in it.  Could you provide some guidance here?</p>
<p>I&#8217;ve seen a lot of different sources on the internet for food products to be used in long-term storage.  Do you recommend using these types of resources?  A combination of on-line sources, your local grocery store, and canning vegetables from your garden?  I&#8217;d like to hear more of your insights on this subject, please.</p>
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		<title>By: Jen</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-679</link>
		<dc:creator>Jen</dc:creator>
		<pubDate>Wed, 04 Mar 2009 05:02:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-679</guid>
		<description>Thoughts about food storage:  leave some stuff like grains (oats, rice, flour) around for too long, and you WILL have a moth infestation.  There are eggs in all of that stuff, by nature, and some warm day you will either find moths flying or larvae in your containers. They are very hard to get rid of, and they eat stuff!  The other problem is the oils can become rancid, and you will throw out a lot.  Canned goods need to be consumed in a space of two years, generally, too.  Can your own, it&#039;s therapeutic!

Thoughts about paying down the mortgage: save up the $100 per month in your emergency fund and make a double payment in December if you have not needed that money. If you plug your figures into an amortization program and compare 13 payments versus 12, and compare it to paying $100 more per month, you will find some interesting results that will help you make the best decision for your goals.  (Leave the number of payments blank...) I like this one:

 http://www.bretwhissel.net/cgi-bin/amortize</description>
		<content:encoded><![CDATA[<p>Thoughts about food storage:  leave some stuff like grains (oats, rice, flour) around for too long, and you WILL have a moth infestation.  There are eggs in all of that stuff, by nature, and some warm day you will either find moths flying or larvae in your containers. They are very hard to get rid of, and they eat stuff!  The other problem is the oils can become rancid, and you will throw out a lot.  Canned goods need to be consumed in a space of two years, generally, too.  Can your own, it&#8217;s therapeutic!</p>
<p>Thoughts about paying down the mortgage: save up the $100 per month in your emergency fund and make a double payment in December if you have not needed that money. If you plug your figures into an amortization program and compare 13 payments versus 12, and compare it to paying $100 more per month, you will find some interesting results that will help you make the best decision for your goals.  (Leave the number of payments blank&#8230;) I like this one:</p>
<p> <a href="http://www.bretwhissel.net/cgi-bin/amortize" rel="nofollow">http://www.bretwhissel.net/cgi-bin/amortize</a></p>
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		<title>By: Zap Riecken</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-678</link>
		<dc:creator>Zap Riecken</dc:creator>
		<pubDate>Fri, 27 Feb 2009 17:20:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-678</guid>
		<description>I&#039;m signing up for the Grocery Game and they have a place for referals, but I don&#039;t have your email. Your blog was the one who pointed me to the site so I&#039;d like to give you credit. Can email (zap at therieckens dot com) me and I&#039;ll add you in my profile so you get the credit?</description>
		<content:encoded><![CDATA[<p>I&#8217;m signing up for the Grocery Game and they have a place for referals, but I don&#8217;t have your email. Your blog was the one who pointed me to the site so I&#8217;d like to give you credit. Can email (zap at therieckens dot com) me and I&#8217;ll add you in my profile so you get the credit?</p>
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		<title>By: Karen</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-677</link>
		<dc:creator>Karen</dc:creator>
		<pubDate>Fri, 06 Feb 2009 15:02:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-677</guid>
		<description>Oh, and I just saw Eric F&#039;s post above me.  I&#039;m not Jesse, but I can tell you that stockpiling has become a way of life for us now.  You only buy what your family needs for a 12 week cycle (typical sale cycle for food stores).  I don&#039;t buy toothpaste, deodorant, toothbrushes, shampoo &amp; conditioner, styling products, etc. because I get them free.  Cleaning products I can get for near free.  The idea is to buy it at the lowest price so when you run out, you only have to run to your own personal &quot;food store&quot; instead of going to the store and paying full price.  You should also visit the Grocery Game&#039;s forums.  So many wonderful people there and a lot of your questions can be answered by a simple search.

Ok, I&#039;ll be quiet now.  LOL  I&#039;m as passionate about the Grocery Game as I am about YNAB!  :)</description>
		<content:encoded><![CDATA[<p>Oh, and I just saw Eric F&#8217;s post above me.  I&#8217;m not Jesse, but I can tell you that stockpiling has become a way of life for us now.  You only buy what your family needs for a 12 week cycle (typical sale cycle for food stores).  I don&#8217;t buy toothpaste, deodorant, toothbrushes, shampoo &amp; conditioner, styling products, etc. because I get them free.  Cleaning products I can get for near free.  The idea is to buy it at the lowest price so when you run out, you only have to run to your own personal &#8220;food store&#8221; instead of going to the store and paying full price.  You should also visit the Grocery Game&#8217;s forums.  So many wonderful people there and a lot of your questions can be answered by a simple search.</p>
<p>Ok, I&#8217;ll be quiet now.  LOL  I&#8217;m as passionate about the Grocery Game as I am about YNAB!  :)</p>
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		<title>By: Karen</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-676</link>
		<dc:creator>Karen</dc:creator>
		<pubDate>Fri, 06 Feb 2009 14:59:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-676</guid>
		<description>Jesse, so glad that you mentioned the Grocery Game.  I&#039;ve been using Teri&#039;s Lists for over 5 years now and it has saved us ~ $17,000 over those years.

Love the idea of noting your goals.  It might be February now, but I can still do the same thing.  :)</description>
		<content:encoded><![CDATA[<p>Jesse, so glad that you mentioned the Grocery Game.  I&#8217;ve been using Teri&#8217;s Lists for over 5 years now and it has saved us ~ $17,000 over those years.</p>
<p>Love the idea of noting your goals.  It might be February now, but I can still do the same thing.  :)</p>
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		<title>By: Eric F</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-675</link>
		<dc:creator>Eric F</dc:creator>
		<pubDate>Fri, 30 Jan 2009 17:44:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-675</guid>
		<description>Jesse

I noticed that you mentioned the Grocery Game website, so I decided to check it out.  I&#039;m curious to get your take on it.  It appears to be an extremely helpful tool, but I have never been one to stockpile grocery store items, so that&#039;s a new concept to me.  If you get the chance, after having used the system for a while, can you post your experience with it up here?</description>
		<content:encoded><![CDATA[<p>Jesse</p>
<p>I noticed that you mentioned the Grocery Game website, so I decided to check it out.  I&#8217;m curious to get your take on it.  It appears to be an extremely helpful tool, but I have never been one to stockpile grocery store items, so that&#8217;s a new concept to me.  If you get the chance, after having used the system for a while, can you post your experience with it up here?</p>
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		<title>By: Deozaan</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-674</link>
		<dc:creator>Deozaan</dc:creator>
		<pubDate>Thu, 08 Jan 2009 15:20:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-674</guid>
		<description>Some people edited the Google Doc and saved it that way.

By the time I managed to download it, Rice (brown) (life/years) is empty (and pink) as well as dry soup mix. Could you fix it back to normal?

Also, I think there&#039;s a setting you can use to allow anyone to see it but not allow anyone to edit it.</description>
		<content:encoded><![CDATA[<p>Some people edited the Google Doc and saved it that way.</p>
<p>By the time I managed to download it, Rice (brown) (life/years) is empty (and pink) as well as dry soup mix. Could you fix it back to normal?</p>
<p>Also, I think there&#8217;s a setting you can use to allow anyone to see it but not allow anyone to edit it.</p>
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		<title>By: Barbara</title>
		<link>http://www.youneedabudget.com/blog/2008/making-2009-shine-bite-sized-goals-taste-better/#comment-673</link>
		<dc:creator>Barbara</dc:creator>
		<pubDate>Sat, 03 Jan 2009 18:30:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.youneedabudget.com/?p=590#comment-673</guid>
		<description>Hey - I also noticed your food storage goals. I strongly encourage you to visit www.thegrocerygame.com. It is fun and quickly allows you to build a stockpile. It&#039;s nice not to have to run to the grocery store to pay full price for something you don&#039;t have on hand. Check it out!</description>
		<content:encoded><![CDATA[<p>Hey &#8211; I also noticed your food storage goals. I strongly encourage you to visit <a href="http://www.thegrocerygame.com" rel="nofollow">http://www.thegrocerygame.com</a>. It is fun and quickly allows you to build a stockpile. It&#8217;s nice not to have to run to the grocery store to pay full price for something you don&#8217;t have on hand. Check it out!</p>
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