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		<title>UW Credit Union - Budget and Planning</title>
		<link>http://www.uwcu.org//Education/Articles/ArticleList.aspx?c=Budget</link>
		<description>Budget and Planning</description>
		<webMaster>webmaster@uwcu.org</webMaster>
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		<copyright>Copyright 2009 University of Wisconsin Credit Union</copyright>
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			        <title>Halloween Costumes on a Budget</title>
			        <description>Great Halloween costumes don't have to cost a lot. If you are looking for ways to save money on your costume or just need an idea, try these suggestions.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Halloween-Costumes-on-a-Budget.aspx</link>
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			        <pubDate>Wed, 14 Oct 2009 10:09:13 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Six Ways to Save on Your Heating Bill</title>
			        <description>Here are some tips you can try to help decrease heating expenses during fall and winter months.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Six-Ways-to-Save-on-Your-Heating-Bill.aspx</link>
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			        <pubDate>Wed, 14 Oct 2009 10:07:40 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Autumn Fun on a Budget</title>
			        <description>There are many seasonal activities near campus&amp;mdash;you can pick pumpkins, scare yourself at a haunted house or just find a good place to observe the beautiful fall leaves&amp;mdash;all within your budget.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Autumn-Fun-on-a-Budget.aspx</link>
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			        <pubDate>Wed, 14 Oct 2009 10:04:58 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Protect Your Loved Ones with Life Insurance</title>
			        <description>Many Americans are significantly underinsured when it comes to life insurance. UW Credit Union's partnership with VantisLife Insurance Company will help you determine how much and what type of life insurance fits your situation. </description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Protect-Your-Loved-Ones-with-Life-Insurance.aspx</link>
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			        <pubDate>Thu, 01 Oct 2009 09:41:48 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>New Law Makes 2010 Roth IRA Conversions Possible—Income No Longer a Factor</title>
			        <description>Beginning January 1, 2010, anyone can enjoy the benefits of converting Traditional IRAs to Roth IRAs through Section 512 of the Tax Increase Prevention and Reconciliation Act (TIPRA).</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/New-Law-Makes-2010-Roth-IRA-Conversions-Possible.aspx</link>
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			        <pubDate>Thu, 01 Oct 2009 09:37:54 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Four Ways to Handle a Financial Setback</title>
			        <description>Use these tips to help you get through furloughs, pay cuts and layoffs.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Four-Ways-to-Handle-a-Financial-Setback.aspx</link>
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			        <pubDate>Thu, 01 Oct 2009 09:35:45 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Financial Mistakes Made by Parents</title>
			        <description>Use these tips to avoid pitfalls so your budget will grow along with your children.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Financial-Mistakes-Made-by-Parents.aspx</link>
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			        <pubDate>Thu, 01 Oct 2009 09:33:42 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Ways to Help Pay for College</title>
			        <description>College can be expensive. Luckily, there are many options for students who are looking for ways to help fund their education.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Ways-to-Help-Pay-for-College.aspx</link>
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			        <pubDate>Wed, 19 Aug 2009 12:01:50 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Recycle Your Unwanted Items</title>
			        <description>If you've completed your Spring Cleaning and are unsure of what to do with the things you no longer want, use these tips to avoid adding to landfills while earning extra money.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Recycle-Your-Unwanted-Items.aspx</link>
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			        <pubDate>Tue, 30 Jun 2009 11:47:36 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Five Common Money Mistakes Made by Couples</title>
			        <description>Whether you are a newlywed or have celebrated a few anniversaries, use these tips to avoid the most common money issues faced by couples.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Five-Common-Money-Mistakes-Made-by-Couples.aspx</link>
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			        <pubDate>Tue, 30 Jun 2009 11:39:57 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Summer Day Trips On a Budget</title>
			        <description>Wisconsin has a wealth of opportunities for fun, right in your backyard. Here are some hidden treasures that will eliminate summer boredom but won't break the bank.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Summer-Day-Trips-on-a-Budget.aspx</link>
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			        <pubDate>Tue, 23 Jun 2009 13:37:00 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Start Building Credit Responsibly</title>
			        <description>There are many things that you can do to start your credit on the right foot.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Start-Building-Credit-Responsibly.aspx</link>
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			        <pubDate>Tue, 23 Jun 2009 13:33:49 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Traveling on a Budget</title>
			        <description>Use these tips to save a few extra dollars while you travel.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Traveling-on-a-Budget.aspx</link>
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			        <pubDate>Tue, 28 Apr 2009 14:29:56 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Helpful Checking Account Hints</title>
			        <description>Here are some time-saving helpful hints for keeping your checking account in good shape. </description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Helpful-Checking-Account-Hints.aspx</link>
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			        <pubDate>Fri, 10 Apr 2009 13:32:32 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>What's in it for You? The Economic Stimulus Package</title>
			        <description>With the recent passing of the stimulus plan, here are some highlights that could save you money.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Economic-Stimulus-Package.aspx</link>
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			        <pubDate>Tue, 31 Mar 2009 09:52:10 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Reach out to Creditors in Times of Hardship</title>
			        <description>Many people are facing a job loss in today's tough economic time. Use these tips to help prepare for a situation when you are unable to pay your bills.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Reach-out-to-Creditors-in-Times-of-Hardship.aspx</link>
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			        <pubDate>Tue, 31 Mar 2009 09:48:37 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Choose Your Cell Phone Plan Wisely</title>
			        <description>Try these tips to help save a few extra dollars on your bill.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Choose-Your-Cell-Phone-Plan-Wisely.aspx</link>
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			        <pubDate>Mon, 09 Feb 2009 13:57:50 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
		        </item><item>
			        <title>Economy Questions—Ask BALANCE </title>
			        <description>Through our partnership with BALANCE, you can receive free and low cost confidential counseling services.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Economy-Questions-Answered.aspx</link>
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			        <pubDate>Fri, 30 Jan 2009 13:45:23 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Refinancing in Your Future? Use these Tips to Find Out</title>
			        <description>With interest rates as low as they are, determine if refinancing is right for you.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Refinancing-Tips.aspx</link>
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			        <pubDate>Fri, 30 Jan 2009 13:44:29 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Money Transfers Made Easy</title>
			        <description>Whether you need to get money to your college student or want to transfer money to and from your UW Credit Union account from your accounts at other financial institutions, we have the tools you need to make it possible.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Money-Transfers-Made-Easy.aspx</link>
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			        <pubDate>Wed, 31 Dec 2008 11:04:55 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Five Smart Savings Tips for the New Year</title>
			        <description>With the new year upon us, resolve to save more. The following tips are easy and will help you stick to your resolution the whole year.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Five-Smart-Savings-Tips-for-the-New-Year.aspx</link>
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			        <pubDate>Wed, 31 Dec 2008 11:04:42 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Five Holiday Shopping Tips on a Budget</title>
			        <description>With the holiday season here, use these pocketbook-friendly tips to enjoy gift giving without the shock to your budget in January.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Five-Holiday-Shopping-Tips-on-a-Budget.aspx</link>
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			        <pubDate>Fri, 28 Nov 2008 14:25:34 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Four Ways to Improve your Credit Score</title>
			        <description>In difficult economic times, having a good credit score is especially important. If you need to improve your credit score, here are some things you can do.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Improve-Your-Credit-Score.aspx</link>
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			        <pubDate>Mon, 03 Nov 2008 14:02:50 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Four Ways to Make the Most of a Reduced Paycheck</title>
			        <description>Tough economic times are hitting people with pay cuts and layoffs. With planning and a careful look at your finances, you can survive during challenging times.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Four-Ways-to-Make-the-Most-of-a-Reduced-Paycheck.aspx</link>
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			        <pubDate>Tue, 30 Sep 2008 10:02:54 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>10 Ways to Save at the Pump</title>
			        <description>With gas prices continuing to climb, there are several steps you can take to save yourself money.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/10-Ways-to-Save-at-the-Pump.aspx</link>
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			        <pubDate>Tue, 02 Sep 2008 14:40:44 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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			        <title>Savings Strategies</title>
			        <description>Use these tips to help budget for the future in a tough economy.</description>
			        <link>http://www.uwcu.org/Education/Articles/Articles/Savings-Strategies.aspx</link>
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			        <pubDate>Mon, 04 Aug 2008 09:14:57 GMT</pubDate>
			        <author>webmaster@uwcu.org (UW Credit Union)</author>
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