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		<loc>https://new.centsai.com/archives/</loc>
		<lastmod>2026-06-23T02:12:28-04:00</lastmod>
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		<loc>https://new.centsai.com/blog/life/holidays/holidays-blogs/6-ways-to-cut-the-cost-of-expensive-holiday-meals/</loc>
		<lastmod>2017-02-07T14:40:52-05:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/iStock_102296665_LARGE.jpg</image:loc>
			<image:title><![CDATA[Six Ways to Cut the Cost of Expensive Holiday Meals]]></image:title>
			<image:caption><![CDATA[Six Ways to Cut the Cost of Expensive Holiday Meals]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/6-Ways-to-Cut-the-Cost-of-Expensive-Holiday-Meals.png</image:loc>
			<image:caption><![CDATA[6 Ways to Cut the Cost of Expensive Holiday Meals. Holiday meals can wreck your budget, especially if you're hosting a big clan. Thankfully, these tricks can make them more affordable.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/polls/money-topic-interested-learning/</loc>
		<lastmod>2017-04-03T05:21:18-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2017/01/iStock_000071008907_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000071008907_Large]]></image:title>
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	<url>
		<loc>https://new.centsai.com/blog/life/financial-hardship/financial-hardship-blogs/my-fiance-was-laid-off-before-we-could-even-walk-down-the-aisle/</loc>
		<lastmod>2017-04-23T00:04:02-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_76625203_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Fiancé Laid Off Before Wedding]]></image:title>
			<image:caption><![CDATA[my husband was laid off before we got married]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/My-Fianc%C3%A9-Was-Laid-Off-Before-We-Could-Walk-Down-the-Aisle.png</image:loc>
			<image:caption><![CDATA[My Fiancé Was Laid Off Before We Could Walk Down the Aisle]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/taxes/taxes-expert/six-weekends-to-go-your-definitive-checklist-for-tax-filing/</loc>
		<lastmod>2017-05-13T06:13:31-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Young-beautiful-couple-in-home-interior-000084889183_Large-2.jpg</image:loc>
			<image:title><![CDATA[6 Essential Steps: Your Definitive Checklist for Tax Filing]]></image:title>
			<image:caption><![CDATA[6 Essential Steps: Your Definitive Checklist for Tax Filing]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/03/Six-Weekends-To-Go-Your-Definitive-Checklist-For-Tax-Filing.png</image:loc>
			<image:caption><![CDATA[Six Weekends To Go Your Definitive Checklist For Tax Filing]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/i-lived-on-11k-one-year-to-spend-it-helping-others/</loc>
		<lastmod>2017-05-14T21:12:45-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000033267064_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000033267064_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/I-Lived-On-11K-One-Year-To-Spend-It-Helping-Others.png</image:loc>
			<image:caption><![CDATA[I Lived On $11K One Year To Spend It Helping Others]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/investing-risk-and-noise/</loc>
		<lastmod>2017-05-26T19:15:30-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Investing-Risk-And-Noise.jpg</image:loc>
			<image:title><![CDATA[Investing Risk and Noise]]></image:title>
			<image:caption><![CDATA[Investing Risk and Noise]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Investing-Risk-and-Noise.png</image:loc>
			<image:caption><![CDATA[Investing Risk and Noise]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/fresh-out-of-college-time-to-risk-everything-and-lose-nothing/</loc>
		<lastmod>2017-05-29T19:26:52-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_81092117_LARGE.jpg</image:loc>
			<image:title><![CDATA[Take Risks, Lose Nothing]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Fresh-Out-Of-College-Time-To-Risk-Everything-And-Lose-Nothing.png</image:loc>
			<image:caption><![CDATA[Fresh Out of College? Time to Risk Everything and Lose Nothing. When you're young, you likely have little to lose and few obligations. So what better time than now to take a risk?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/foolproof-yourself-against-an-unpleasant-vacation-surprise/</loc>
		<lastmod>2017-05-29T19:27:12-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_84223955_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Vacation Surprises]]></image:title>
			<image:caption><![CDATA[Vacation Surprises]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Foolproof-Yourself-Against-An-Unpleasant-Holiday-Surprise.png</image:loc>
			<image:caption><![CDATA[Going away on a trip? Be sure to plan ahead - an unplanned-for surprise could burn a hole in your pocket and put a damper on your vacation. By planning ahead and getting appropriate cover, you will make sure that your vacations go smoothly.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/you-can-stay-motivated-even-when-youre-completely-exhausted/</loc>
		<lastmod>2017-05-29T19:35:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_73731201_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[You Can Stay Motivated, Even When You're Exhausted]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/You-Can-Stay-Motivated-Even-When-You%E2%80%99re-Completely-Exhausted.png</image:loc>
			<image:caption><![CDATA[Need help staying motivated? Be sure to take care of yourself and to seek out sources of inspiration — and don't be afraid to lean on others for help.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/i-profit-from-outsourcing-household-chores/</loc>
		<lastmod>2017-05-30T00:20:03-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/iStock_59795664_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[I Profit From Outsourcing Household Chores]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/I-Profit-From-Outsourcing-Household-Chores.png</image:loc>
			<image:caption><![CDATA[When does it make good financial sense to outsource and when is it better to DIY? Outsourcing is not just right for giant international corporations.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/mortgages-rate-2.jpg</image:loc>
			<image:caption><![CDATA[LendingTree Slider Payments]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/ten-questions-about-retirement-locations/</loc>
		<lastmod>2017-05-30T02:29:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/iStock_000052104584_Large.jpg</image:loc>
			<image:title><![CDATA[Presenting research results]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/Ten-Questions-About-Retirement-Locations.png</image:loc>
			<image:caption><![CDATA[In retirement life coaching we talk about the benefits of moving vs. staying in place. Both have their advantages and often clients haven’t thought about all the things they should consider.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/work-hard-play-hard-good-idea-or-bad-idea/</loc>
		<lastmod>2017-05-30T02:30:39-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/iStock_000032715660_Large.jpg</image:loc>
			<image:title><![CDATA[You Worked Hard, You Deserve A Treat...Or Do You?]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/You-Worked-Hard-You-Deserve-A-Treat%E2%80%A6Or-Do-You.png</image:loc>
			<image:caption><![CDATA[You can work hard and justify that $150 massage, or you can destress with some simple, free lifestyle changes.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/financial-planning-basics/</loc>
		<lastmod>2017-05-30T02:41:22-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/iStock_000038059426_Medium.jpg</image:loc>
			<image:title><![CDATA[iStock_000038059426_Medium]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/5-Keys-To-Good-Financial-Karma.png</image:loc>
			<image:caption><![CDATA[Getting control of your finances requires a starting point. David covers the basics of financial planning: budgeting, reducing expenses and debt, saving for retirement, and insurance.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/a-mistake-in-my-first-year-of-law-school-cost-me-six-figures/</loc>
		<lastmod>2017-05-30T02:56:39-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/02/iStock_000072865573_Large.jpg</image:loc>
			<image:title><![CDATA[A Mistake In My First Year Of Law School Cost Me Six Figures]]></image:title>
			<image:caption><![CDATA[A Mistake In My First Year Of Law School Cost Me Six Figures]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/02/A-Mistake-In-My-First-Year-Of-Law-School-Cost-Me-Six-Figure.png</image:loc>
			<image:title><![CDATA[One critical tidbit law schools fail to tell incoming students is that, as a practical matter, the trajectory of one’s legal career is decided based on one’s grades in the very first semester of law school. ]]></image:title>
			<image:caption><![CDATA[One critical tidbit law schools fail to tell incoming students is that, as a practical matter, the trajectory of one’s legal career is decided based on one’s grades in the very first semester of law school. ]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/anna-describes-the-law-school-assembly-line/</loc>
		<lastmod>2017-05-30T05:38:10-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/01/iStock_000019951335_Large.jpg</image:loc>
			<image:title><![CDATA[Anna* and the Law School Assembly Line]]></image:title>
			<image:caption><![CDATA[Anna* and the Law School Assembly Line]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/01/Anna-Describes-The-Law-School-Assembly-Line.png</image:loc>
			<image:title><![CDATA[Anna* Describes The Law School Assembly Line. Law schools have become cash cows for many universities, tasked with keeping the tuition dollars rolling in regardless of whether it is good for the students, the (now wildly overpopulated) legal profession, or society. ]]></image:title>
			<image:caption><![CDATA[Anna* Describes The Law School Assembly Line. Law schools have become cash cows for many universities, tasked with keeping the tuition dollars rolling in regardless of whether it is good for the students, the (now wildly overpopulated) legal profession, or society. ]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/01/Anna-Describes-The-Law-School-Assembly-Line-1.png</image:loc>
			<image:caption><![CDATA[Law school provides a stringent environment where everybody is expected to fit in just so. Anna* discovered the hard – and expensive – way that this wasn't for her.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/how-a-teenage-pregnancy-forced-me-to-reassess-my-girl-ed-project-in-guatemala/</loc>
		<lastmod>2017-05-30T23:54:08-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/Guatamela-1.jpg</image:loc>
			<image:title><![CDATA[Guatamela]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/How-A-Teenage-Pregnancy-Forced-Me-To-Reassess-My-Girl-Ed-Project-In-Guatemala.png</image:loc>
			<image:caption><![CDATA[How A Teenage Pregnancy Forced Me To Reassess My Girl Ed Project In Guatemala]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/savings/savings-experts/pay-yourself-first/</loc>
		<lastmod>2017-05-31T02:45:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/iStock_000061293268_Medium.jpg</image:loc>
			<image:title><![CDATA[Pay Yourself First!]]></image:title>
			<image:caption><![CDATA[Pay Yourself First!]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/pay-yourself-first.png</image:loc>
			<image:caption><![CDATA[Being reasonably practical minded, I thought, how do I pay myself? Do I work for myself? Do I get a paycheck for keeping myself alive? Do I pay myself for sleeping? Pay yourself first.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/student-loans-ruled-my-life-until/</loc>
		<lastmod>2017-06-02T02:13:11-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000021345290_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000021345290_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Student-Loans-Don%E2%80%99t-Have-To-Ruin-Your-Life.png</image:loc>
			<image:caption><![CDATA[Student Loans Ruled My Life, Until... Go online and research what it means to take out student loans and what your responsibility will be after graduation.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/why-i-started-creating-an-exit-strategy-on-day-1-of-my-new-job/</loc>
		<lastmod>2017-06-02T02:19:39-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000066137691_Medium.jpg</image:loc>
			<image:title><![CDATA[Why I Started Creating an Exit Strategy on Day 1 of My New Job]]></image:title>
			<image:caption><![CDATA[Why I Started Creating an Exit Strategy on Day 1 of My New Job]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Why-I-Started-Creating-an-Exit-Strategy-on-Day-One-of-My-New-Job.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/debt-is-like-an-instrument-its-all-in-how-you-play-it/</loc>
		<lastmod>2017-06-02T03:34:17-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000020554976_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000020554976_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Debt-Is-Like-An-Instrument-It%E2%80%99s-All-In-How-You-Play-It.png</image:loc>
			<image:caption><![CDATA[Debt is not good. Nor is debt bad. Debt is a tool. Not unlike other tools, it is how we use or misuse debt that causes us to attribute a positive or negative connotation to it.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/the-price-of-the-american-dream-2/</loc>
		<lastmod>2017-06-02T05:00:44-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000039888664_Large-1.jpg</image:loc>
			<image:title><![CDATA[iStock_000039888664_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/The-Price-Of-The-American-Dream.png</image:loc>
			<image:caption><![CDATA[The Price Of The American Dream. This is my student loan story — if you’re anywhere near the same age as me, it’s probably very similar to yours.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/paying-back-81000-in-student-loans-2/</loc>
		<lastmod>2017-06-02T05:36:30-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000068818075_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000068818075_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Paying-Back-81000-In-Student-Loans.png</image:loc>
			<image:caption><![CDATA[Paying Back $81,000 In Student Loans. It’s important to only borrow what you can afford and be realistic about your life after school. Your payments could end up taking a huge chunk out of your budget.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/9-to-5-vs-freelancing/</loc>
		<lastmod>2017-06-02T06:29:43-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000036662482_Large-1.jpg</image:loc>
			<image:title><![CDATA[iStock_000036662482_Large (1)]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Freelancing-Is-A-Better-Choice-Than-My-Monotonous-9-5.png</image:loc>
			<image:caption><![CDATA[Sure, there is value in a steady paycheck, but freelancing has taught me more about managing money than I ever imagined.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/have-you-budgeted-for-death/</loc>
		<lastmod>2017-06-02T07:18:40-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000078901117_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000078901117_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Have-You-Budgeted-For-Death.png</image:loc>
			<image:caption><![CDATA[Have You Budgeted for Death?Death is stressful. Don't add financial worries by not having the cash to pay for it.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Checks.jpg</image:loc>
			<image:caption><![CDATA[Personal Checks from Checks SuperStore]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/the-way-i-paid-off-my-debt-was-like-going-on-a-crash-diet/</loc>
		<lastmod>2017-06-02T07:20:04-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000049647422_Medium.jpg</image:loc>
			<image:title><![CDATA[iStock_000049647422_Medium]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/The-Way-I-Paid-Off-My-Debt-Was-Like-Going-On-A-Crash-Diet.png</image:loc>
			<image:caption><![CDATA[The Way I Paid Off My Debt Was Like Going On A Crash Diet]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Kabbage-Advert.jpg</image:loc>
			<image:caption><![CDATA[jdoqocy]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/cura-debt.jpg</image:loc>
			<image:caption><![CDATA[Cura Debt]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/the-growth-vs-value-debate-a-pint-of-miller-lite-first/</loc>
		<lastmod>2017-06-02T11:08:17-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000066567393_Large.jpg</image:loc>
			<image:title><![CDATA[The Growth Vs Value Debate: A Pint of Miller Lite First!]]></image:title>
			<image:caption><![CDATA[The Growth Vs Value Debate: A Pint of Miller Lite First!]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/The-Growth-Vs-Value-Debate-A-Pint-Of-Miller-Lite-First.png</image:loc>
			<image:caption><![CDATA[Value investing is essentially the attempt to estimate a business’ value by estimating how much extra cash the business will provide to its owners over time (also known as free cash flow).]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/360training.jpg</image:loc>
			<image:caption><![CDATA[avantlink]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/running-through-walls-6-similarities-between-running-and-entrepreneurship/</loc>
		<lastmod>2017-06-02T11:41:30-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_60729962_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Running Through Walls: 6 Similarities Between Running and Entrepreneurship]]></image:title>
			<image:caption><![CDATA[Running Through Walls: 6 Similarities Between Running and Entrepreneurship]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Running-Through-Walls-Six-Similarities-Between-Running-and-Entrepreneurship.png</image:loc>
			<image:caption><![CDATA[Running Through Walls: 6 Similarities Between Running and Entrepreneurship]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/financial-hardship/financial-hardship-blogs/best-thing-that-ever-happened-to-me-going-broke/</loc>
		<lastmod>2017-07-18T15:46:02-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_80237975_MEDIUM-1100x733_c.jpg</image:loc>
			<image:title><![CDATA[Best Thing That Ever Happened to Me? Going Broke!]]></image:title>
			<image:caption><![CDATA[Best Thing That Ever Happened to Me? Going Broke!]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Best-Thing-That-Ever-Happened-To-Me-Going-Broke.png</image:loc>
			<image:caption><![CDATA[Anyone can hit a new low in life – like a full-grown, college-educated adult asking her mother for gas money because she’s broke.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/lifestyle/lifestyle-blogs/12-stores-free-birthday-rewards/</loc>
		<lastmod>2017-07-25T09:42:48-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/06/pexels-photo-48663-Happy-Birthday-12-Stores-That-Offer-Free-Birthday-Rewards.jpeg</image:loc>
			<image:title><![CDATA[Happy Birthday! 12 Stores That Offer Free Birthday Rewards]]></image:title>
			<image:caption><![CDATA[Happy Birthday! 12 Stores That Offer Free Birthday Rewards - companies that give free birthday stuff, sign up for birthday freebies]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/07/Happy-Birthday-12-Stores-That-Offer-Free-Birthday-Rewards.png</image:loc>
			<image:caption><![CDATA[Ya gotta love celebrating your special day with free birthday rewards. So hop on it and sign up for birthday freebies at your fave stores!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-experts/i-received-way-more-financial-aid-than-i-deserved/</loc>
		<lastmod>2017-07-26T10:42:37-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000065838307_Large.jpg</image:loc>
			<image:title><![CDATA[I Received Way More Financial Aid Than I Deserved]]></image:title>
			<image:caption><![CDATA[I Received Way More Financial Aid Than I Deserved]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/I-Received-Way-More-Financial-Aid-Than-I-Deserved.png</image:loc>
			<image:caption><![CDATA[I Received Way More Financial Aid Than I Deserved. When it gets down to the end – decision time – there is no downside to asking for more aid. The package a school proposes may be their final offer. Or it may not be. You will never know unless you ask.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/call-me-cheap-i-love-it/</loc>
		<lastmod>2017-07-31T10:51:54-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_73594241_LARGE.jpg</image:loc>
			<image:title><![CDATA[You Can Go Ahead and Call Me Cheap – I Love It!]]></image:title>
			<image:caption><![CDATA[You Can Go Ahead and Call Me Cheap – I Love It!]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Call-Me-Cheap-%E2%80%93-I-Love-It.png</image:loc>
			<image:caption><![CDATA[You may call it "being cheap," but I call it "smart spending." It doesn't matter what other people think — I like being frugal, even when out with friends.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/how-not-to-fall-for-every-marketing-message-that-comes-your-way/</loc>
		<lastmod>2017-07-31T11:27:22-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_42629252_LARGE-2.jpg</image:loc>
			<image:title><![CDATA[How Not to Fall for Every Marketing Message that Comes Your Way]]></image:title>
			<image:caption><![CDATA[How Not to Fall for Every Marketing Message that Comes Your Way]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/How-Not-To-Fall-For-Every-Marketing-Message-That-Comes-Your-Way.png</image:loc>
			<image:caption><![CDATA[There is a ton of money to be saved if only you learn how to first detect – and then reject – all those clever marketing pitches.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/getting-the-financial-conversation-started-with-students/</loc>
		<lastmod>2017-07-31T11:43:14-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_70283469_LARGE.jpg</image:loc>
			<image:title><![CDATA[financial literacy programs]]></image:title>
			<image:caption><![CDATA[financial literacy programs]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Getting-The-Conversation-Started-With-Students.png</image:loc>
			<image:title><![CDATA[e found that students learn the most when we related financial literacy to their personal situations.]]></image:title>
			<image:caption><![CDATA[We found that students learn the most when we related financial literacy to their personal situations.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/themes/Newspaper/images/madlibs-desktop.jpg</image:loc>
			<image:title><![CDATA[What Happens When I Graduate Web]]></image:title>
			<image:caption><![CDATA[What Happens When I Graduate?]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/themes/Newspaper/images/madlibs-mobile.jpg</image:loc>
			<image:title><![CDATA[What Happens When I Graduate Mobile]]></image:title>
			<image:caption><![CDATA[What Happens When I Graduate?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/your-baby-could-cost-you-a-bundle/</loc>
		<lastmod>2017-07-31T12:57:51-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/iStock_000041838778_Large.jpg</image:loc>
			<image:title><![CDATA[baby cost]]></image:title>
			<image:caption><![CDATA[baby cost]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/my-financial-preparedness-is-always-at-level-orange/</loc>
		<lastmod>2017-08-03T14:00:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_82144605_LARGE.jpg</image:loc>
			<image:title><![CDATA[My Financial Preparedness is Always at Level Orange]]></image:title>
			<image:caption><![CDATA[My Financial Preparedness is Always at Level Orange]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/My-Financial-Preparedness-is-Always-at-Level-Orange.png</image:loc>
			<image:caption><![CDATA[Doomsday aside, you need to be prepared for smaller (but still expensive) challenges like an understocked fridge or an overdrawn account. My Financial Preparedness is Always at Level Orange.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/real-estate/real-estate-blogs/i-am-a-rebel-without-a-house/</loc>
		<lastmod>2017-08-28T11:28:09-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_91676811_LARGE.jpg</image:loc>
			<image:title><![CDATA[Renting: Why I Am a Rebel Without a House]]></image:title>
			<image:caption><![CDATA[Renting: Why I Am a Rebel Without a House]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/5-steps-to-a-successful-paternity-leave-if-you-are-self-employed/</loc>
		<lastmod>2017-09-15T23:57:08-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/01/iStock-496917408-1.jpg</image:loc>
			<image:title><![CDATA[Self-Employed Men Can Still Afford to Take Paternity Leave - Here's How]]></image:title>
			<image:caption><![CDATA[Working Parents - Self-Employed Men Can Still Afford to Take Paternity Leave - Here's How]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/01/5-Steps-To-A-Successful-Paternity-Leave-If-You-Are-Self-Employed.png</image:loc>
			<image:caption><![CDATA[5 Steps To A Successful Paternity Leave If You Are Self-Employed. Working parents - both fathers and mothers - should be able to take time off for their newborn children... Even if they're self-employed.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/cost-of-living/cost-of-living-blogs/rising-cost-of-living-in-austin/</loc>
		<lastmod>2017-10-20T08:17:27-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/iStock-510055604-e1508273658781.jpg</image:loc>
			<image:title><![CDATA[4 Ways to Beat the Rising Cost of Living in Austin]]></image:title>
			<image:caption><![CDATA[average cost of living in Austin - Austin cost of living increase]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/fun-free-activities-for-children/</loc>
		<lastmod>2017-11-08T15:30:15-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/iStock_45737882_LARGE.jpg</image:loc>
			<image:title><![CDATA[City Life: 6 Ways to Make the Most of Free Activities for Children]]></image:title>
			<image:caption><![CDATA[City Life: 6 Ways to Make the Most of Free Activities for Children - summer activities for children - fun, free activities for kids]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/entrepreneurship/entrepreneurship-blogs/choosing-a-business-location/</loc>
		<lastmod>2017-11-09T13:32:43-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/iStock-508857266.jpg</image:loc>
			<image:title><![CDATA[6 Factors to Consider When Choosing a Business Location]]></image:title>
			<image:caption><![CDATA[6 Factors to Consider When Choosing a Business Location - business location factors - best location for business]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/side-hustle/side-hustle-blogs/6-selling-online-tips/</loc>
		<lastmod>2017-11-14T19:14:56-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/6-Online-Selling-Tips-You-Cant-Miss-Out-On-iStock-627150352-e1509121515141.jpg</image:loc>
			<image:title><![CDATA[6 Online Selling Tips You Can't Miss Out On]]></image:title>
			<image:caption><![CDATA[6 Online Selling Tips You Can't Miss Out On - selling online tips - sell unwanted items - sell your things online]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/equifax-breach/</loc>
		<lastmod>2017-11-14T19:22:52-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock-526896403-e1509388039685.jpg</image:loc>
			<image:title><![CDATA[The Equifax Breach: What You Need to Know to Protect Yourself]]></image:title>
			<image:caption><![CDATA[The Equifax Breach: What You Need to Know to Protect Yourself]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/teaching-teens-about-money/</loc>
		<lastmod>2017-11-15T14:44:08-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock-618628056-e1509660792144.jpg</image:loc>
			<image:title><![CDATA[5 Practical Ways to Teach Teens About Money]]></image:title>
			<image:caption><![CDATA[5 Practical Ways to Teach Teens About Money - money lessons for teens - teaching money management to teenagers - teaching teens about money]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/financial-hardship/financial-hardship-blogs/dealing-with-a-quarter-life-crisis/</loc>
		<lastmod>2017-11-23T11:01:09-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock-680834894-e1510151997366.jpg</image:loc>
			<image:title><![CDATA[Survival Tips for Dealing With a Quarter-Life Crisis]]></image:title>
			<image:caption><![CDATA[Survival Tips for Dealing With a Quarter-Life Crisis - What is a quarter-life crisis? - mid-twenties crisis]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/extreme-couponers-greedy/</loc>
		<lastmod>2017-11-23T11:14:18-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock_22393209_LARGE-Are-Extreme-Couponers-Greedy-e1510153938408.jpg</image:loc>
			<image:title><![CDATA[Are Extreme Couponers Greedy? How to Keep From Going Too Far]]></image:title>
			<image:caption><![CDATA[Are Extreme Couponers Greedy? How to Keep From Going Too Far - extreme couponing]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/giving-up-on-online-dating/</loc>
		<lastmod>2017-11-23T16:55:48-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock_81828601_LARGE-e1510591964148.jpg</image:loc>
			<image:title><![CDATA[Giving Up on Online Dating Saved my Sanity — and my Wallet]]></image:title>
			<image:caption><![CDATA[Giving Up on Online Dating Saved my Sanity — and my Wallet - online dating experiences - meeting people offline]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/entrepreneurship/entrepreneurship-blogs/small-business-debt-collection/</loc>
		<lastmod>2017-11-28T11:28:21-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/iStock-660768852.jpg</image:loc>
			<image:title><![CDATA[Small-Business Debt Collection: What to Do When a Client Ghosts You]]></image:title>
			<image:caption><![CDATA[Small-Business Debt Collection: What to Do When a Client Ghosts You - debt collection guidelines - collecting unpaid invoices]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/10-tips-lowering-the-cost-of-college/</loc>
		<lastmod>2017-11-29T09:47:44-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock-521131378.jpg</image:loc>
			<image:title><![CDATA[The Top 10 Tips for Lowering the Cost of College]]></image:title>
			<image:caption><![CDATA[The Top 10 Tips for Lowering the Cost of College]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/cost-of-living/cost-of-living-blogs/best-way-to-budget-grocery-shopping/</loc>
		<lastmod>2017-11-29T09:52:31-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock_92145497_LARGE-e1510762612534.jpg</image:loc>
			<image:title><![CDATA[An Experiment: What’s the Best Way to Budget Grocery Shopping?]]></image:title>
			<image:caption><![CDATA[An Experiment: What’s the Best Way to Budget Grocery Shopping? - how to save money cooking - how to preserve leftovers]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/How-to-Save-Money-Cooking-for-a-Family-An-Experiment-Pie-Chart.png</image:loc>
			<image:caption><![CDATA[What's the Best Way to Budget Grocery Shopping? An Experiment - how to save money cooking - how to preserve leftovers]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/How-to-Save-Money-Cooking-for-a-Family-An-Experiment-Hannah-Rounds-and-Family.png</image:loc>
			<image:caption><![CDATA[What's the Best Way to Budget Grocery Shopping? An Experiment - how to save money cooking - how to preserve leftovers]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/money-saving-tips-and-ideas-stranger-things/</loc>
		<lastmod>2017-11-29T10:34:25-05:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/meganRosado4StrangerThingsBiking.jpg</image:loc>
			<image:title><![CDATA[5 Money-Saving Tips and Ideas From ‘Stranger Things’]]></image:title>
			<image:caption><![CDATA[5 Money-Saving Tips and Ideas From ‘Stranger Things’ - getting around without a car]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/meganRosado4StrangerThingsGame.jpg</image:loc>
			<image:caption><![CDATA[5 Money-Saving Tips and Ideas From ‘Stranger Things’ - hobbies that don't cost money hobbies that don't cost money]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/dollar-store-bargains/</loc>
		<lastmod>2017-11-30T11:54:57-05:00</lastmod>
		<image:image>
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			<image:title><![CDATA[5 Dollar-Store Bargains to Snag and 3 Deals to Skip]]></image:title>
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			<image:caption><![CDATA[A 401(k) Retirement Plan: The Best Wealth-Building Tool. Do you have a 401(k) retirement plan? Do you make regular contributions to it? You should! There are some surprising benefits. #retirementplan #401k]]></image:caption>
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			<image:caption><![CDATA[Doing the big chop and opting for natural hair care can save you hundreds of dollars a year. One woman shares her experience going natural and maybe you can save a bunch too! #savingmoney #frugaltips]]></image:caption>
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			<image:caption><![CDATA[Car Accident Trauma: The Money Lessons I Learned From My Crash - emotional trauma after a car accident - stress after car accident]]></image:caption>
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			<image:caption><![CDATA[Debt After Death: My Grandfather Still Owed $10,000 When He Passed. Can you inherit debt when a loved one dies? In some cases you may, but not all. Learn what happens to debt after death. #debt #inheritdebt]]></image:caption>
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			<image:title><![CDATA[CentSai Buyers Guide - Debt Consolidation]]></image:title>
			<image:caption><![CDATA[CentSai Buyers Guide - Debt Consolidation]]></image:caption>
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		<loc>https://new.centsai.com/blog/must-reads/centsai-sensei/high-cost-missed-opportunities/</loc>
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			<image:caption><![CDATA[The High Cost of Missed Opportunities - what is opportunity cost?]]></image:caption>
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			<image:caption><![CDATA[The High Cost of Missed Opportunities. What is opportunity cost? In short, it's what you could lose out on through missed opportunities. And that cost can be surprisingly high and learn how to invest for beginners! #investing #investingmoney #investingforbeginners]]></image:caption>
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		<loc>https://new.centsai.com/blog/smarter-money/credit-cards/credit-cards-blogs/break-yourself-free-from-credit-card-bondage/</loc>
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			<image:caption><![CDATA[If you can build that into the rental costs, and find people who are willing to pay a little more for their peace of mind, you have found your golden roommates.]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/my-dependable-husband-turns-me-on/</loc>
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			<image:caption><![CDATA[My ‘Dependable’ Husband Turns Me On! Our circumstances and our desires will change over time – and our incomes will grow and shrink – but no matter what, I’m thankful for my dependable husband and his willingness to do boring things well.]]></image:caption>
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			<image:caption><![CDATA[hannah19RobtheDependable]]></image:caption>
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		<loc>https://new.centsai.com/blog/earn-money/entrepreneurship/entrepreneurship-blogs/entrepreneurs-guide-small-business-debt-collection/</loc>
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			<image:caption><![CDATA[The Entrepreneur’s Guide to Small-Business Debt Collection. Collecting unpaid invoices is a tough task. But we've got some small-business debt collection guidelines that may make it easier.]]></image:caption>
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			<image:caption><![CDATA[My wife's online escapade to buy her wedding dress online turned into a nightmare. Find out how.]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/education/education-blogs/benefits-of-community-college/</loc>
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			<image:caption><![CDATA[Automating your finances can help you get on track with your savings goals and – most importantly – spare you the effort of staying on top of bills. To me, this is priceless.]]></image:caption>
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			<image:caption><![CDATA[For some millennials, their side hustle is incredibly important to their monthly expenses, though more and more, the side hustle is helping to build up savings for later, or to gain more experience to boost their professional careers.]]></image:caption>
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		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/are-you-developing-the-right-money-mindset-for-success/</loc>
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			<image:caption><![CDATA[Are You Developing the Right Money Mindset For Success]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/if-you-put-1-bitcoin-in-will-2-come-out/</loc>
		<lastmod>2018-07-11T02:29:06-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_85927545_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[If You Put 1 Bitcoin In, Will 2 Come Out?]]></image:title>
			<image:caption><![CDATA[If You Put 1 Bitcoin In, Will 2 Come Out?]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/09/Invest-4.95Border-970x300.jpg</image:loc>
			<image:caption><![CDATA[Ally Invest]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/If-You-Put-One-Bitcoin-In-Will-Two-Come-Out.png</image:loc>
			<image:caption><![CDATA[Bitcoin could climb for the same reason that the Dow Jones keeps climbing decade after decade.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/credit-cards/credit-cards-blogs/how-you-can-get-a-2000-cruise-absolutely-free-with-your-credit-card/</loc>
		<lastmod>2018-07-11T02:33:39-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_85571927_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[$2000 Cruise Trip For Free]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/How-You-Can-Get-A-2000-Cruise-Absolutely-Free-With-Your-Credit-Card.png</image:loc>
			<image:caption><![CDATA[How You Can Get A $2,000 Cruise Absolutely Free With Your Credit Card]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/a-history-degree-gave-me-the-tools-to-live-well-and-earn-more/</loc>
		<lastmod>2018-07-11T02:40:21-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_75162885_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[A History Degree Gave Me the Tools]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/alford22historyclass-picture.jpg</image:loc>
			<image:caption><![CDATA[Catherine Alford with six of her fellow park rangers working at a museum in Richmond, Virginia.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/how-personal-is-too-personal-on-a-dinner-job-interview/</loc>
		<lastmod>2018-07-11T02:41:30-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/How-Personal-Is-Too-Personal-On-A-Dinner-Job-Interview.jpg</image:loc>
			<image:title><![CDATA[How-Personal-Is-Too-Personal-On-A-Dinner-Job-Interview]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/How-Personal-Is-Too-Personal-On-A-Dinner-Job-Interview.png</image:loc>
			<image:caption><![CDATA[Acing a dinner interview will likely get you that job. And I promise, it's not nearly as intimidating as it may seem at first.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/commercial-basis-the-how-and-why-of-a-millennial-centric-investment-strategy/</loc>
		<lastmod>2018-07-11T05:08:30-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_87461225_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Young sad woman  in hooded sweater -Stock Image.]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Commercial-Basis-The-How-And-Why-Of-A-Millennial-Centric-Investment-Strategy.png</image:loc>
			<image:caption><![CDATA[The conditions of the post recession economy combined with the attributes of the up and coming millennial generation combine to create a strong case for a millennial-centric real estate investment strategy.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/07/Invest-4.95Border-970x300.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/our-medical-bills-looked-wrong-we-challenged-and-won/</loc>
		<lastmod>2018-07-11T05:11:37-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_76825951_MEDIUM-1100x733_c1.jpg</image:loc>
			<image:title><![CDATA[iStock_76825951_MEDIUM-1100x733_c1]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Our-Medical-Bills-Looked-Wrong-We-Challenged-And-Won.png</image:loc>
			<image:caption><![CDATA[Doctors and insurance companies can make mistakes, so be sure to research your medical bills to correct errors and save money.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/how-short-term-disability-disrupted-our-debt-payoff-twice/</loc>
		<lastmod>2018-07-11T07:28:29-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_87353243_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Disability Disrupted Debt Payoff]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/How-Short-Term-Disability-Disrupted-Our-Debt-Payoff%E2%80%A6Twice.png</image:loc>
			<image:caption><![CDATA[Disability issues can majorly disrupt your life and your finances, but disability insurance is a huge help when you find yourself unable to work.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/can-millennials-have-fun-while-still-acting-our-wage/</loc>
		<lastmod>2018-07-11T07:29:23-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_73740599_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Act Your Wage]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Can-Millennials-Have-Fun-While-Still-Acting-Our-Wage.png</image:loc>
			<image:caption><![CDATA[Instead of falling victim to extreme YOLO and FOMO (“fear of missing out”), I decided to act my wage when it comes to seeking out entertainment, and I think most millennials should follow suit.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/how-to-set-money-goals-that-you-can-actually-meet/</loc>
		<lastmod>2018-07-11T07:33:55-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_41236166_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[How to set money goals...]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/How-To-Set-Money-Goals-That-You-Can-Actually-Meet.png</image:loc>
			<image:caption><![CDATA[In order to achieve true financial success, you need to set money goals for yourself that are motivating, rather than frustrating.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/10-cheap-ways-to-destress/</loc>
		<lastmod>2018-07-11T07:39:00-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_79641153_LARGE.jpg</image:loc>
			<image:title><![CDATA[Stress Relief - Will Lipovsky]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/10-Cheap-Ways-To-Destress.png</image:loc>
			<image:caption><![CDATA[10 Cheap Ways To Destress. Looking for some cost-effective stress relief? Lucky for you, there are plenty of ways to relieve stress without breaking the bank on a lavish vacation.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/side-hustle/side-hustle-blogs/odd-jobs-can-earn-you-100-or-more/</loc>
		<lastmod>2018-07-11T08:04:04-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_82597869_LARGE.jpg</image:loc>
			<image:title><![CDATA[Odd Jobs Can Earn You $100 Or More]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Odd-Jobs-Can-Earn-You-100-Or-More.png</image:loc>
			<image:caption><![CDATA[I have had a ton of odd jobs over the years, but I have also done extra little things to make a bit more. Making an extra $100 is actually easier than you think. And it can be a great way to give you momentum to make more, or even kick-start paying off your debt.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/must-reads/centsai-sensei/understanding-tax-brackets-tax-rates/</loc>
		<lastmod>2018-07-11T13:07:33-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/03/Understanding-Tax-Brackets-and-Rates.jpg</image:loc>
			<image:title><![CDATA[Understanding Taxes, Part 2: Tax Brackets, Marginal Rate, and Effective Rate]]></image:title>
			<image:caption><![CDATA[Understanding tax brackets and tax rates - How do tax brackets work? - art by Jonan Everett]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/03/Understanding-Taxes-Federal-Income-Tax-Brackets-Chart.jpg</image:loc>
			<image:caption><![CDATA[Understanding Taxes: How to Tax Brackets Work? (chart)]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/03/Understanding-Tax-Brackets-and-Rates.jpg</image:loc>
			<image:caption><![CDATA[Understanding tax brackets and tax rates - How do tax brackets work?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/must-reads/centsai-sensei/good-money-habits-financial-cornerstone/</loc>
		<lastmod>2018-07-11T13:09:59-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/02/Good-Money-Habits-Finding-You-Financial-Cornerstone-iStock-815165952.jpg</image:loc>
			<image:title><![CDATA[Good Money Habits: Finding Your Financial Cornerstone]]></image:title>
			<image:caption><![CDATA[Good Money Habits: Finding Your Financial Cornerstone]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/cost-of-living/cost-of-living-blogs/cost-effective-cooking-for-one-person/</loc>
		<lastmod>2018-07-11T13:52:28-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock-521614808.jpg</image:loc>
			<image:title><![CDATA[3 Cost-Effective Cooking Tips for One- or Two-Person Meals]]></image:title>
			<image:caption><![CDATA[3 Cost-Effective Cooking Tips for One- or Two-Person Meals - cooking for one person (or two people) - how to save money on food shopping]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/i-chase-the-sun-on-a-budget/</loc>
		<lastmod>2018-07-12T00:45:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_95324923_LARGE-1-1100x733_c.jpg</image:loc>
			<image:title><![CDATA[iStock_95324923_LARGE-1-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/I-Chase-The-Sun-On-A-Budget.png</image:loc>
			<image:caption><![CDATA[Relocating isn’t for everyone. It works for me because the pros outweigh the cons. But if you dream about life under the sun, it can definitely be done on a budget.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/a-misunderstanding-with-verizon-cost-me-3-hours-of-my-life-my-and-my-sanity/</loc>
		<lastmod>2018-07-12T00:46:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_94028047_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Learned My Phone Lesson the Hard Way - Hannah Rounds]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/A-Misunderstanding-With-Verizon-Cost-Me-3-Hours-Of-My-Life-My-And-My-Sanity.png</image:loc>
			<image:caption><![CDATA[A Misunderstanding With Verizon Cost Me 3 Hours of My Life]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/michelle-applies-sporting-strategy-to-her-debt-payoff/</loc>
		<lastmod>2018-07-12T00:51:43-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_88162193_LARGE.jpg</image:loc>
			<image:title><![CDATA[Michelle Applies Sporting Strategy To Her Debt Payoff]]></image:title>
			<image:caption><![CDATA[Michelle Applies Sporting Strategy To Her Debt Payoff]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Michelle-Applies-Sporting-Strategy-To-Her-Debt-Payoff.png</image:loc>
			<image:caption><![CDATA[With only $1,918 to go and several months still left in the year, we’ll spend time rethinking our goal and decide how we should prioritize our debt payoff.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/what-happens-when-financial-education-meets-small-town-guatemala/</loc>
		<lastmod>2018-07-12T01:05:01-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_51535538_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[What Happens When Financial Education Meets Small-Town Guatemala?]]></image:title>
			<image:caption><![CDATA[What Happens When Financial Education Meets Small-Town Guatemala?]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/What-Happens-When-Financial-Education-Meets-Small-Town-Guatemala.png</image:loc>
			<image:caption><![CDATA[When it comes to bringing financial education to an area that sorely lacks financial literacy, small gestures can make a big difference. Find out what happens when financial education meets small-town Guatemala?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/curb-your-enthusiasm-to-spend/</loc>
		<lastmod>2018-07-12T01:36:09-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_99173943_LARGE.jpg</image:loc>
			<image:title><![CDATA[Curb Your Enthusiasm To Spend: A Guide to Curbing the Spending Itch]]></image:title>
			<image:caption><![CDATA[Curb Your Enthusiasm To Spend: A Guide to Curbing the Spending Itch]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Curb-Your-Enthusiasm...To-Spend.png</image:loc>
			<image:caption><![CDATA[Ever wondered how to constructively satisfy your itch to spend without going overboard and throwing away your hard-earned money?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/the-be-your-own-boss-blues/</loc>
		<lastmod>2018-07-12T02:56:39-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/iStock_000056989796_Large.jpg</image:loc>
			<image:title><![CDATA[self-employment]]></image:title>
			<image:caption><![CDATA[self-employment]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/Beating-Self-Employment-Jitters.png</image:loc>
			<image:caption><![CDATA[Beating Self-Employment Jitters. I would say that this is a universal fear and that there are a number of ways to combat it prior to becoming self-employed and during self-employment.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Beating-Self-Employment-Jitters.png</image:loc>
			<image:caption><![CDATA[Toying with the idea of self-employment, but terrified of being broke. When you acknowledge your fears, you’ll then be able to manage them when you decide to take the leap.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/retail-therapy/</loc>
		<lastmod>2018-07-12T03:46:42-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_77429851_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_77429851_LARGE-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Is-Retail-Therapy-Really-Just-A-Quick-High.png</image:loc>
			<image:caption><![CDATA[Retail therapy has earned its way into our jargon via its frequent usage. But the costs associated with this form of therapy may be both hidden and expensive.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/family-and-money/family-and-money-blogs/5-tips-for-handling-family-members-who-are-bad-with-money/</loc>
		<lastmod>2018-07-12T07:41:09-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_21635555_LARGE.jpg</image:loc>
			<image:title><![CDATA[5 Tips for Helping Family Members Who Are Bad With Money]]></image:title>
			<image:caption><![CDATA[5 Tips for Helping Family Members Who Are Bad With Money]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/5-Tips-For-Handling-Family-Members-Who-Are-Bad-With-Money.png</image:loc>
			<image:caption><![CDATA[With the holidays around the corner, here are 5 tips to help navigate those tricky money conversations with family and friends.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/should-i-get-life-insurance/</loc>
		<lastmod>2018-07-12T12:16:20-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/03/Should-I-get-life-insurance-term-life-insurance-art-by-Jonan-Everett.jpg</image:loc>
			<image:title><![CDATA[Should I get life insurance? | term life insurance | art by Jonan Everett]]></image:title>
			<image:caption><![CDATA[Should I get life insurance? | term life insurance | art by Jonan Everett]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/must-reads/centsai-sensei/financial-literacy-decision/</loc>
		<lastmod>2018-07-12T12:42:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/11/iStock-855417138.jpg</image:loc>
			<image:title><![CDATA[Financial Literacy Starts With a Decision]]></image:title>
			<image:caption><![CDATA[Financial Literacy Starts With a Decision - financially literate - financial decisions]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/all/3-money-saving-challenges-financial-goals/</loc>
		<lastmod>2018-07-12T12:54:13-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/12/3-Money-Saving-Challenges-That-Help-You-Meet-Financial-Goals-iStock-596374144.jpg</image:loc>
			<image:title><![CDATA[3 Money-Saving Challenges That Help You Meet Financial Goals]]></image:title>
			<image:caption><![CDATA[3 Money-Saving Challenges That Help You Meet Financial Goals - savings challenge]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/holidays/holidays-blogs/top-new-years-resolutions-2018/</loc>
		<lastmod>2018-07-12T13:46:58-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/12/Money-Sex-and-Netflix-The-Top-New-Years-Resolutions-for-2018-iStock-625062136.jpg</image:loc>
			<image:title><![CDATA[The Top New Year's Resolutions for 2018]]></image:title>
			<image:caption><![CDATA[top New Year's resolutions - 2018 New Year's resolutions]]></image:caption>
		</image:image>
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			<image:title><![CDATA[My first month in Wyoming was full of challenges, but we still managed to pay off $3000 in debt.]]></image:title>
			<image:caption><![CDATA[My first month in Wyoming was full of challenges, but we still managed to pay off $3000 in debt.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/advertisement-travelex.jpg</image:loc>
			<image:title><![CDATA[Travelex]]></image:title>
			<image:caption><![CDATA[Travelex]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/three-money-problems-moms-dont-want-to-talk-about/</loc>
		<lastmod>2018-08-10T12:26:25-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/02/iStock_000007233419_Large.jpg</image:loc>
			<image:title><![CDATA[Three Money Problems Moms Don’t Want to Talk About]]></image:title>
			<image:caption><![CDATA[Three Money Problems Moms Don’t Want to Talk About]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/02/Three-Money-Problems-Moms-Don%E2%80%99t-Want-To-Talk-About.png</image:loc>
			<image:title><![CDATA[Money matters women avoid discussing—often to their detriment.]]></image:title>
			<image:caption><![CDATA[Money matters women avoid discussing—often to their detriment.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/02/Three-Money-Problems-Moms-Don%E2%80%99t-Want-To-Talk-About-1.png</image:loc>
			<image:caption><![CDATA[Three Money Problems Moms Don't Want to Talk About. Mothers never want to reveal their insecurities or imperfections. After all, we’re supposed to be the strong ones, the ones who are the support system for everyone else.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/katies-story-part-two-county-funds-were-critical-to-install-the-right-stairlift/</loc>
		<lastmod>2018-08-10T13:45:24-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000065257897_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000065257897_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Katie%E2%80%99s-Story%E2%80%94Part-Two-%E2%80%98County-Funds-Were-Critical-To-Install-The-Right-Stairlift%E2%80%99.png</image:loc>
			<image:caption><![CDATA[Katie’s Story—Part Two ‘County Funds Were Critical To Install The Right Stairlift’]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/saving-while-child-support-is-due-is-no-easy-feat/</loc>
		<lastmod>2018-08-10T16:07:24-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_86452787_MEDIUM-1100x733_c.jpg</image:loc>
			<image:title><![CDATA[Child Support Payments or Emergency Savings? A Parent's Anguish]]></image:title>
			<image:caption><![CDATA[Child Support Payments or Emergency Savings? A Parent's Anguish]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/after-law-school-i-walked-into-sallie-maes-trap/</loc>
		<lastmod>2018-08-10T16:28:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000063896847_Large.jpg</image:loc>
			<image:title><![CDATA[After Law School I Walked Into Sallie Mae’s Trap]]></image:title>
			<image:caption><![CDATA[After Law School I Walked Into Sallie Mae's Trap]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/After-Law-School-I-Walked-Into-Sallie-Mae%E2%80%99s-Trap.png</image:loc>
			<image:caption><![CDATA[After Law School I Walked Into Sallie Mae’s Trap]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Avant-Advert-2.jpg</image:loc>
			<image:title><![CDATA[Avant Advert]]></image:title>
			<image:caption><![CDATA[Avant Advert]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/who-knew-frank-sinatra-would-inspire-my-debt-repayment/</loc>
		<lastmod>2018-08-10T16:40:47-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000003269674_Large.jpg</image:loc>
			<image:title><![CDATA[Who Knew Frank Sinatra Would Inspire My Debt Repayment]]></image:title>
			<image:caption><![CDATA[Who Knew Frank Sinatra Would Inspire My Debt Repayment]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Who-Knew-Frank-Sinatra-Would-Inspire-My-Debt-Repayment.png</image:loc>
			<image:caption><![CDATA[Who Knew Frank Sinatra Would Inspire My Debt Repayment]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Advertisement-SoFiPixPersonalloan.jpg</image:loc>
			<image:title><![CDATA[SoFi]]></image:title>
			<image:caption><![CDATA[SoFi]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/struggling-to-pay-your-daycare-bills/</loc>
		<lastmod>2018-08-10T17:12:28-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000077104919_Medium.jpg</image:loc>
			<image:title><![CDATA[Teacher Watching Children Play with Toys]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Struggling-To-Pay-Your-Daycare-Bills.png</image:loc>
			<image:caption><![CDATA[For many parents, this is a harsh - but true - reality. The cost for childcare is staggering, and recent studies indicate that more and more mothers are staying at home due to rising childcare costs.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Kabbage-Advert.jpg</image:loc>
			<image:caption><![CDATA[jdoqocy]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/lifestyle/lifestyle-blogs/your-cable-tv-addiction-may-be-a-money-saver/</loc>
		<lastmod>2018-08-13T11:34:59-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000047754040_Large.jpg</image:loc>
			<image:title><![CDATA[Your Cable TV Addiction May Be A Money Saver]]></image:title>
			<image:caption><![CDATA[Your Cable TV Addiction May Be A Money Saver]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Kabbage-Advert.jpg</image:loc>
			<image:title><![CDATA[jdoqocy]]></image:title>
			<image:caption><![CDATA[jdoqocy]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Your-Cable-TV-Addiction-May-Be-A-Money-Saver.png</image:loc>
			<image:caption><![CDATA[Your Cable TV Addiction May Be A Money Saver]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/travel/travel-blogs/how-i-pulled-off-a-foreign-trip-while-on-minimum-wage/</loc>
		<lastmod>2018-08-13T11:38:25-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000057636898_Medium.jpg</image:loc>
			<image:title><![CDATA[How I Pulled Off a Foreign Trip While On Minimum Wage]]></image:title>
			<image:caption><![CDATA[How I Pulled Off a Foreign Trip While On Minimum Wage]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/How-I-Pulled-Off-A-Foreign-Trip-While-On-Minimum-Wage.png</image:loc>
			<image:caption><![CDATA[How I Pulled Off A Foreign Trip While On Minimum Wage]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/the-top-3-money-priorities-for-every-parent/</loc>
		<lastmod>2018-08-13T11:44:21-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000007889488_Large-1.jpg</image:loc>
			<image:title><![CDATA[The Top 3 Money Priorities for Every Parent]]></image:title>
			<image:caption><![CDATA[The Top 3 Money Priorities for Every Parent]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/The-Top-Three-Money-Priorities-For-Every-Parent.png</image:loc>
			<image:caption><![CDATA[The Top Three Money Priorities For Every Parent]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/the-cure-for-financial-illiteracy-exists-but-its-not-easy/</loc>
		<lastmod>2018-08-13T11:45:15-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/iStock_000034491058_Medium.jpg</image:loc>
			<image:title><![CDATA[Mom won't let him fall]]></image:title>
			<image:caption><![CDATA[A young mother teaching her son how to ride a bicycle]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/The-Cure-For-Financial-Illiteracy-Exists-But-It%E2%80%99s-Not-Easy.png</image:loc>
			<image:caption><![CDATA[The Top Three Money Priorities for Every Parent]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Avant-Advert-2.jpg</image:loc>
			<image:title><![CDATA[Avant Advert]]></image:title>
			<image:caption><![CDATA[Avant Advert]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/finlit-month-a-lot-of-the-financial-education-available-is-misguided-at-best/</loc>
		<lastmod>2018-08-13T11:57:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000044645042_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000044645042_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/FinLit-Month-%E2%80%9CA-Lot-Of-The-Financial-Education-Available-Is-Misguided-At-Best.%E2%80%9D-1.png</image:loc>
			<image:caption><![CDATA[FinLit Month “A Lot Of The Financial Education Available Is Misguided, At Best.”]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/couch-surfing-smart-saving-or-a-roll-of-the-dice/</loc>
		<lastmod>2018-08-13T12:04:16-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000057262624_Medium.jpg</image:loc>
			<image:title><![CDATA[iStock_000057262624_Medium]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Couch-Surfing-Smart-Saving-Or-A-Roll-Of-The-Dice-1.png</image:loc>
			<image:caption><![CDATA[Couch Surfing: Smart Saving Or A Roll Of The Dice? Traveling can be expensive. With flights, food, and fun, you can go through your savings pretty quickly, but couch surfing can help reduce travel costs.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/03/Century-Insurance.jpg</image:loc>
			<image:caption><![CDATA[jdoqocy]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/fin-lit-month-where-school-failed-me-my-single-mother-taught-me-the-ropes/</loc>
		<lastmod>2018-08-13T12:19:07-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000049631634_Large.jpg</image:loc>
			<image:title><![CDATA[single mother personal finance]]></image:title>
			<image:caption><![CDATA[single mother personal finance]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Fin-Lit-Month-Where-School-Failed-Me-My-Single-Mother-Taught-Me-The-Ropes.png</image:loc>
			<image:caption><![CDATA[Fin Lit Month Where School Failed Me, My Single Mother Taught Me The Ropes]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/naysayers-are-my-greatest-financial-motivators/</loc>
		<lastmod>2018-08-13T12:34:08-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000015511139_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000015511139_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Naysayers-Are-My-Biggest-Money-Motivators.png</image:loc>
			<image:caption><![CDATA[Naysayers Are My Greatest Financial Motivators. You can become wealthy enough to do what you please, whether that number be $40,000 per year or $40 million per year. Ignore the naysayers.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/FirstTrade.jpg</image:loc>
			<image:caption><![CDATA[FirstTrade]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/how-we-share-a-bed-and-our-finances-without-being-at-each-others-throats/</loc>
		<lastmod>2018-08-13T12:57:09-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000049748290_Large.jpg</image:loc>
			<image:title><![CDATA[How We Share A Bed And Our Finances Without Being At Each Other's Throats]]></image:title>
			<image:caption><![CDATA[how to share your finances with your spouse]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/How-We-Share-A-Bed-And-Our-Finances-Without-Being-At-Each-Other%E2%80%99s-Throats.png</image:loc>
			<image:caption><![CDATA[How to Share Your Finances and Your Bed With the Same Person? We are putting two heads together to figure out each puzzle in our budget. It’s like having someone to check your facts twice over]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/real-estate/real-estate-blogs/we-didnt-let-our-student-debt-prevent-us-from-buying-a-home/</loc>
		<lastmod>2018-08-13T12:59:39-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000035403288_Medium.jpg</image:loc>
			<image:title><![CDATA[Couple holding house keys]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/We-Didn%E2%80%99t-Let-Our-Student-Debt-Prevent-Us-From-Buying-A-Home.png</image:loc>
			<image:caption><![CDATA[We Didn’t Let Our Student Debt Prevent Us From Buying A Home]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/dont-feel-bad-if-you-kept-your-childs-birthday-frugal/</loc>
		<lastmod>2018-08-13T13:01:22-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000046117566_Medium.jpg</image:loc>
			<image:title><![CDATA[Children blowing birthday candles.]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Don%E2%80%99t-Feel-Bad-If-You-Keep-Your-Child%E2%80%99s-Birthday-Frugal.png</image:loc>
			<image:caption><![CDATA[Don’t Feel Bad If You Keep Your Child’s Birthday Frugal. Am I a horrible mother? Definitely not. In fact, I don’t feel bad about skipping the cake smash pictures or the birthday parties at all.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/you-should-fire-your-financial-advisor-if-they-are-not-a-fiduciary/</loc>
		<lastmod>2018-08-13T13:09:41-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000061688596_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000061688596_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/You-Should-Fire-Your-Financial-Advisor-If-They-Are-Not-A-Fiduciary.png</image:loc>
			<image:caption><![CDATA[To inform yourself of any potential conflicts of interest, ask your financial advisor before you buy how the selling firm and its financial advisors are being compensated and the amount of the compensation that each will receive if you buy the contract.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/taboo-money/taboo-money-blogs/the-big-o-comes-with-a-price-tag/</loc>
		<lastmod>2018-08-13T13:13:01-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000036472178_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000036472178_Large]]></image:title>
			<image:caption><![CDATA[sex life]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Taboo-Money-The-Big-%E2%80%98O%E2%80%99-Comes-With-A-Price-Tag.png</image:loc>
			<image:caption><![CDATA[While sex can help us fulfill some of our deepest fantasies (and actually be good for our health), it’s not without a financial cost. I bet you haven't thought much about it.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/condoms-just-changed-for-good-1.jpg</image:loc>
			<image:caption><![CDATA[Condoms Just Changed For Good]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/finlit-month-an-educators-take-on-the-sad-state-of-financial-literacy/</loc>
		<lastmod>2018-08-13T13:30:02-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000049570536_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000049570536_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/FinLit-Month-An-Educators-Take-On-The-Sad-State-of-Financial-Literacy.png</image:loc>
			<image:caption><![CDATA[Alarming statistics are revealed on almost a daily basis about the sad financial situations of adults, both young and old, here and abroad. We even have the whole month of April devoted to “financial literacy.”]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/CentsaiBrandedAd_1268x800_CRD_151909_v1opt3-1.jpg</image:loc>
			<image:caption><![CDATA[lendkey-female]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/the-complete-guide-to-federal-student-loans-repayment/</loc>
		<lastmod>2018-08-13T13:44:04-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000030081414_Large.jpg</image:loc>
			<image:title><![CDATA[The Complete Guide To Federal Student Loan Repayment]]></image:title>
			<image:caption><![CDATA[The Complete Guide To Federal Student Loan Repayment]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/The-Complete-Guide-To-Federal-Student-Loan-Repayment.png</image:loc>
			<image:caption><![CDATA[If you have federal student loans, you're in luck. Well, as much luck as you can have with student loan debt. The good news is that federal loans offer various student loan repayment options for borrowers after they graduate, so you're not just stuck with one payment plan.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/C3Q3-LoanRepayment_Chart_500x900-2.jpg</image:loc>
			<image:caption><![CDATA[C3Q3 LoanRepayment_Chart_500x900]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/what-law-can-lower-private-student-loan-payments-right-now-2/</loc>
		<lastmod>2018-08-13T13:57:28-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000008508784_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000008508784_Large]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/What-Law-Can-Lower-Private-Student-Loan-Payments-Right-Now.png</image:loc>
			<image:caption><![CDATA[Private student loans don’t offer the flexible repayment options of their Federal counterparts. There's no loan forgiveness program.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/How-Chapter-13-Works.jpg</image:loc>
			<image:caption><![CDATA[How Chapter 13 Works]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/is-bernie-sanders-college-for-all-plan-realistic/</loc>
		<lastmod>2018-08-13T14:04:55-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Sanders.jpg</image:loc>
			<image:title><![CDATA[Sanders]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Is-Bernie-Sanders-College-For-All%E2%80%99-Plan-Realistic.png</image:loc>
			<image:caption><![CDATA[In May 2015, Bernie Sanders proposed a piece of legislation called the College For All Act. While the plan gained no traction in the Republican-controlled Congress, it has become the basis for the higher education platform of his presidential campaign.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/freelance-work-know-run-project/</loc>
		<lastmod>2018-08-13T14:10:41-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2017/05/iStock-672972726.jpg</image:loc>
			<image:title><![CDATA[Freelance Work: 5 Ways to Know When to Run From a Project]]></image:title>
			<image:caption><![CDATA[Freelance Work: 5 Ways to Know When to Run From a Project]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/05/Freelance-Work-5-Ways-to-Know-When-to-Run-From-a-Project.png</image:loc>
			<image:caption><![CDATA[Freelance work is often grueling, but sometimes things may go too far or a client may ask too much. So make sure you know when to say "no."]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/i-signed-my-student-loan-papers-in-7-seconds/</loc>
		<lastmod>2018-08-13T14:27:41-04:00</lastmod>
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			<image:title><![CDATA[iStock_000005450568_Large]]></image:title>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/I-Signed-My-Student-Loan-Papers-In-7-Seconds.png</image:loc>
			<image:caption><![CDATA[Student loans! Much like drunk driving, they can mess up your life in a hurry. Student loans can lead to all sorts of negative repercussions: self-loathing. Becoming a “wage slave.” Eating ramen noodles long after “college life” was supposed to end. More self-loathing…]]></image:caption>
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		<image:image>
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			<image:caption><![CDATA[Sidebar_Wills Top 10]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/the-day-i-had-two-credit-cards-declined/</loc>
		<lastmod>2018-08-13T14:33:13-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000051764368_Large.jpg</image:loc>
			<image:title><![CDATA[My Mortifying Money Moment: Two Credit Cards Declined at Walmart]]></image:title>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/My-Mortifying-Money-Moment-Two-Credit-Cards-Declined-at-Walmart.png</image:loc>
			<image:caption><![CDATA[Many of us have been there: The first credit card comes up declined and we assume it must be a mistake. Then another...It happened to Catherine Alford too. It's an experience that turned her financial life around.]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/BBVA-1.jpg</image:loc>
			<image:caption><![CDATA[BBVA]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/all-financial-aid-letters-are-not-created-equal/</loc>
		<lastmod>2018-08-13T14:43:32-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000063741265_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000063741265_Large]]></image:title>
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		<image:image>
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			<image:caption><![CDATA[Along comes the letter from the Financial Aid office with your “award.” The letters that many schools provide can be very misleading and confusing.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/Table1-Financial-Aid-Letter.jpg</image:loc>
			<image:caption><![CDATA[Table1-Financial-Aid-Letter]]></image:caption>
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			<image:caption><![CDATA[Problematic-Aid-Letter-1]]></image:caption>
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			<image:caption><![CDATA[Improved-Aid-Letter-2]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/is-there-life-after-a-student-loan-default-2/</loc>
		<lastmod>2018-08-13T14:45:31-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/04/iStock_000076219139_Large.jpg</image:loc>
			<image:title><![CDATA[iStock_000076219139_Large]]></image:title>
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			<image:caption><![CDATA[Is There Life After A Student Loan Default?]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/my-daughters-student-debt-will-be-much-worse-than-mine/</loc>
		<lastmod>2018-08-13T14:49:35-04:00</lastmod>
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			<image:title><![CDATA[iStock_000056552750_Medium]]></image:title>
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			<image:caption><![CDATA[My Daughter’s Student Debt Will Be Much Worse Than Mine. As my daughter grabs onto her stuffed elephant, pulling it to her mouth, a smile of accomplishment comes across her face.]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/hillarys-new-college-compact-offers-to-combat-key-student-loan-concerns-does-it/</loc>
		<lastmod>2018-08-13T14:53:11-04:00</lastmod>
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			<image:title><![CDATA[iStock_000022416351_Large]]></image:title>
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			<image:caption><![CDATA[Hillary’s ‘New College Compact’ offers to Combat Key Student Loan Concerns...Does It?]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/7-steps-to-pay-back-student-loans-earlier-2/</loc>
		<lastmod>2018-08-13T15:00:41-04:00</lastmod>
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			<image:title><![CDATA[iStock_000027292265_Large]]></image:title>
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			<image:caption><![CDATA[7 Steps To Pay Back Student Loans Earlier. It’s all about getting in the right mindset and making little changes every day that have a big impact on your debt — so you can live the life of your dreams, without all the debt.]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/my-best-friend-is-willingly-taking-on-massive-student-loan-debt/</loc>
		<lastmod>2018-08-13T15:02:17-04:00</lastmod>
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			<image:title><![CDATA[My Best Friend Is Willingly Taking On Massive Student Loan Debt]]></image:title>
			<image:caption><![CDATA[My Best Friend Is Willingly Taking On Massive Student Loan Debt]]></image:caption>
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			<image:caption><![CDATA[My Best Friend Is Willingly Taking On Massive Student Loan Debt]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/my-financial-fitbits/</loc>
		<lastmod>2018-08-13T15:04:24-04:00</lastmod>
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			<image:title><![CDATA[iStock_000076743825_Large]]></image:title>
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			<image:caption><![CDATA[Financial Fitbits: The Top Money-Saving Apps. Saving money is not my strength. In fact, it has been a continuous struggle. There always seems to be a personal emergency, a bill to be paid, or items to be bought. And then, the money is gone. I’m not the only one who struggles with saving money.]]></image:caption>
		</image:image>
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	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/life-2-5-a-simple-explanation-of-where-to-safely-put-your-money-in/</loc>
		<lastmod>2018-08-13T16:46:00-04:00</lastmod>
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			<image:title><![CDATA[iStock_000020339716_Medium]]></image:title>
			<image:caption><![CDATA[Retirement funds]]></image:caption>
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			<image:caption><![CDATA[Life 2.5: A Simple Explanation of Where to Safely Put Your Money In. If you are in a full-time job, you probably already have a 401(k) - or some other kind of retirement account like a 403(b) or governmental 457(b) where money gets automatically deducted from your paycheck and put into your plan.]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/cheap-chic/find-cheap-concert-tickets-billy-joel/</loc>
		<lastmod>2018-08-13T16:49:21-04:00</lastmod>
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			<image:title><![CDATA[How to Find Cheap Concert Tickets: My Billy Joel Experience]]></image:title>
			<image:caption><![CDATA[How to Find Cheap Concert Tickets: My Billy Joel Experience - Billy Joel in Concert]]></image:caption>
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			<image:caption><![CDATA[How to Find Cheap Concert Tickets: My Billy Joel Experience - Billy Joel in Concert]]></image:caption>
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			<image:caption><![CDATA[How to Find Cheap Concert Tickets: My Billy Joel Experience - Pia and Leslie in Uptown Girl garb]]></image:caption>
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		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/sorry-mr-gates-i-am-giving-it-all-to-my-kids/</loc>
		<lastmod>2018-08-13T16:54:31-04:00</lastmod>
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			<image:caption><![CDATA[Sorry, Mr. Gates, I'm Giving It All To My Kids! I’m a big supporter of charitable giving – and even those who are living paycheck to paycheck do sometimes give to a church or food banks – but I believe in doing so within your means.]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/i-made-my-will-by-the-time-i-turned-30/</loc>
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			<image:caption><![CDATA[The will idea originated when I started traveling a lot for work. I was on a plane at least six times a month, visiting clients. While flying is safe, I am always on edge till we land.]]></image:caption>
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			<image:caption><![CDATA[How Much Do Sororities Cost? The Real Price of Going Greek. For many, Greek life is an essential part of the college experience. But how much do sororities cost? It may be more than you think.]]></image:caption>
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			<image:caption><![CDATA[What Job Hits Your Career Sweet Spot]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/education/education-blogs/cheap-textbooks-college-guide/</loc>
		<lastmod>2018-08-14T14:24:11-04:00</lastmod>
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			<image:caption><![CDATA[The Ultimate Guide to Buying Cheap Textbooks for College]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/health-and-beauty/health-and-beauty-blogs/cheap-dental-care-found-dentist-groupon/</loc>
		<lastmod>2018-08-14T16:31:53-04:00</lastmod>
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			<image:title><![CDATA[Groupon Dentist Deals Can Save You a Bundle]]></image:title>
			<image:caption><![CDATA[Groupon Dentist Deals Can Save You a Bundle | Groupon dental deals | CentSai]]></image:caption>
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		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/family-budget-easy-ways-to-save-money/</loc>
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			<image:title><![CDATA[Family Budget: 5 Easy Ways to Save Money]]></image:title>
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			<image:caption><![CDATA[Family Budget: 5 Easy Ways to Save Money. Does it hurt your head just to think about your family budget? We've got you covered. Check out one mom's five easy ways to save money. #familybudget #savingtips #savingmoney]]></image:caption>
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		<loc>https://new.centsai.com/blog/must-reads/centsai-sensei/millennial-entrepreneurs/</loc>
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			<image:caption><![CDATA[Is Millennial Entrepreneurship Just a Big Myth? There are so many amazing stories about millennial entrepreneurs, but how does the generation really feel about entrepreneurship? The data may surprise you. #millennialentrepreneurs #entrepreneurship #entrepreneurshipideas]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/financial-planning-the-5-ds/</loc>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/iStock_000072891577_Medium.jpg</image:loc>
			<image:title><![CDATA[Financial Planning: The 5 Ds]]></image:title>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/Financial-Planning-The-5-Ds.png</image:loc>
			<image:caption><![CDATA[Financial Planning The 5 Ds]]></image:caption>
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	<url>
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			<image:caption><![CDATA[What is a 401(k) Rollover and How Does It Work? - Should I roll over my 401(k)?]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/financial-abuse-is-getting-endemic-and-it-needs-head-on-tackling/</loc>
		<lastmod>2018-08-15T12:33:02-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/G6ZWRKBBBU-1.jpg</image:loc>
			<image:title><![CDATA[G6ZWRKBBBU]]></image:title>
			<image:caption><![CDATA[financial abuse]]></image:caption>
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		<image:image>
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			<image:caption><![CDATA[Financial Abuse is Turning into a Nationwide Epidemic]]></image:caption>
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	<url>
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			<image:title><![CDATA[What to Do With a 401(k) After Leaving a Job]]></image:title>
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	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/how-to-stop-those/</loc>
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			<image:title><![CDATA[How To Stop Those Nasty Couple Money Fights]]></image:title>
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			<image:caption><![CDATA[How to Stop Those Nasty Money Fights in Your Relationship. With some effort, persistence, and compromise, you’ll be surprised at how financially well-off you can be with a strong partner by your side. Everything suddenly becomes better, including how often you… cook together!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/why-your-mom-is-afraid-to-retire/</loc>
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			<image:title><![CDATA[senior woman and daughter taking selfie]]></image:title>
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		<image:image>
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			<image:caption><![CDATA[Typically mom has this “issue” about retirement. Her concerned son or daughter wants to help, but doesn’t know what to say. They’ve heard the same stories over and over and are looking for someone else to step in and talk with mom. If they could retire today, they would. They keep thinking, “Why doesn’t she do something about it?”]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/taboo-money/taboo-money-blogs/the-unexpected-cost-of-grief/</loc>
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			<image:title><![CDATA[The Unexpected Cost of Grief]]></image:title>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/05/Should-You-Be-Worried-About-Secular-Stagnation-Larry-Summers-Is.png</image:loc>
			<image:caption><![CDATA[The concept of secular stagnation was first put forward by the economist Alvin Hansen in the 1930s.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/06/My-Freescore1.jpg</image:loc>
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			<image:title><![CDATA[The Lowdown on Employer-Sponsored Retirement Plans]]></image:title>
			<image:caption><![CDATA[The Lowdown on Employer-Sponsored Retirement Plans]]></image:caption>
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			<image:title><![CDATA[Retirement Planning: Moving From Concepts to Specifics]]></image:title>
			<image:caption><![CDATA[Retirement Planning: Moving From Concepts to Specifics]]></image:caption>
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			<image:title><![CDATA[Childbirth]]></image:title>
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		<image:image>
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			<image:caption><![CDATA[Childbirth Cost]]></image:caption>
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			<image:caption><![CDATA[childbirth costs]]></image:caption>
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		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/life-and-debt-our-ides-of-april-moments/</loc>
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			<image:title><![CDATA[Life And Debt: Our Ides of April Moments]]></image:title>
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			<image:caption><![CDATA[Life And Debt Our Ides of April Moments]]></image:caption>
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			<image:caption><![CDATA[Cura Debt]]></image:caption>
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			<image:title><![CDATA[iStock_000000570399_Large]]></image:title>
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			<image:caption><![CDATA[Remaining active and focused on your retirement objectives is particularly important if you are contemplating or are forced into early retirement.]]></image:caption>
		</image:image>
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		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/financial-planning-part-4-retirement-strategies-and-estate-planning/</loc>
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			<image:caption><![CDATA[Here Nick Bradfield wraps up his excellent four part series on financial planning with an overview of major issues of retirement planning and estate planning.]]></image:caption>
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			<image:title><![CDATA[Retirement Planning Challenges: Why I’m Terrified for My Mom]]></image:title>
			<image:caption><![CDATA[Retirement Planning Challenges: Why I’m Terrified for My Mom]]></image:caption>
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			<image:title><![CDATA[Estate Planning: How to Protect Your Parents' Assets]]></image:title>
			<image:caption><![CDATA[Estate Planning | How to Protect Your Parents' Assets]]></image:caption>
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			<image:caption><![CDATA[Dear Fellow Millennials: Retirement Isn’t As Far Off As You Think]]></image:caption>
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			<image:caption><![CDATA[Here are some smart tips on how to save money on your honeymoon.]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/a-guys-view-on-dating-dont-use-me-for-my-wallet/</loc>
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			<image:title><![CDATA[What’s the right time to open up the wallet in a relationship?]]></image:title>
			<image:caption><![CDATA[is chivalry dead?]]></image:caption>
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			<image:caption><![CDATA[Just because you're spending money on your S.O. doesn't mean you have to break the bank. Ebates and Groupon can help you save money on gifts and dates without sacrificing quality.]]></image:caption>
		</image:image>
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		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/dealing-with-digital-assets-and-social-media-accounts-in-estate-planning/</loc>
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			<image:caption><![CDATA[igital assets are becoming an increasingly important part of a person's estate. Failing to include these assets in an estate plan can result in tricky legal situations for grieving relatives who can be left without access to their loved one's online accounts.]]></image:caption>
		</image:image>
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	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/yes-i-am-a-freelancer-and-i-am-financially-independent/</loc>
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			<image:caption><![CDATA[I Am a Freelancer and I Am Financially Independent]]></image:caption>
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			<image:title><![CDATA[Impact Radius - Stash Invest - Robo Advisor]]></image:title>
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			<image:caption><![CDATA[Spending Labor Day in Chicago? There are lots of fun, cheap – even free – things to do this weekend that will make the holiday a blast.]]></image:caption>
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			<image:caption><![CDATA[are you concerned about your friend's money habits]]></image:caption>
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			<image:caption><![CDATA[My grandmother was frugal before frugal was cool. Here are her key money-saving tips. Money Lessons That Only a ‘Great’ Grandma Could Teach]]></image:caption>
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			<image:caption><![CDATA[For those of you who love to travel, you’ve probably heard the buzzwords “travel hacking.” Travel hacking involves using credit card reward points to travel for “free.”]]></image:caption>
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		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/new-years-day-you-dont-have-to-wake-up-broke-hungover-unhappy/</loc>
		<lastmod>2018-08-17T14:56:11-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/12/iStock_000078845209_Large.jpg</image:loc>
			<image:title><![CDATA[Jan. 1, 2016: You Don't Have To Wake Up Broke, Hungover, Unhappy]]></image:title>
			<image:caption><![CDATA[Jan. 1, 2016: You Don't Have To Wake Up Broke, Hungover, Unhappy]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/amazon-banking-services/</loc>
		<lastmod>2018-08-17T22:21:33-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/08/amazon-banking-services-iStock-695263328.jpg</image:loc>
			<image:title><![CDATA[4 Amazon Banking Services That Are Disrupting the Industry]]></image:title>
			<image:caption><![CDATA[Amazon banking services]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/08/4-Amazon-Banking-Services-Disrupting-the-Industry.png</image:loc>
			<image:caption><![CDATA[4 Amazon Banking Services Disrupting the Industry. Is an Amazon bank in our future? Well . . . Maybe, maybe not. But there are tons of cool Amazon banking services out there already. Check them out. #amazon #banking]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/lifestyle/lifestyle-blogs/millennials-vs-gen-z-shopping-habits/</loc>
		<lastmod>2018-08-17T22:22:23-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/08/Shopping-Habits-Kokoro-Gift-Shop.jpg</image:loc>
			<image:title><![CDATA[Millennials vs. Gen Z: A Change in Shopping Habits]]></image:title>
			<image:caption><![CDATA[Photo of a gift at Kokoro Gift Shop in Maplewood, NJ - for Millenials vs. Gen Z shopping habits]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/08/Millennials-vs.-Gen-Z-A-Change-in-Shopping-Habits.png</image:loc>
			<image:caption><![CDATA[Millennials vs. Gen Z: A Change in Shopping Habits. Gen Zers have been called "millennials on steroids," but what does that even mean? Learn how the two generations compare. The answers may surprise you. #millmennials #shoppinghabits #lifestyle]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/08/Aoibhinn-e1533762887662.png</image:loc>
			<image:caption><![CDATA[Photo of Aoibhinn for millennials vs. Gen Z shopping habits article]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/08/Holly-e1533763338429.png</image:loc>
			<image:caption><![CDATA[Photo of Holly for millennials vs. Gen Z shopping habits piece]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/08/Lucia-Lucy-Lavagnino-Sisk.png</image:loc>
			<image:caption><![CDATA[Photo of Lucia "Lucy" Lavagnino-Sisk for millennials vs. Gen Z shopping habits piece]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/7-ways-your-receipts-can-save-you-money/</loc>
		<lastmod>2018-08-20T13:35:51-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_56378086_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[7 Ways Your Receipts Can Save You Money]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/7-Ways-Your-Receipts-Can-Save-You-Money.png</image:loc>
			<image:caption><![CDATA[Treat it with the respect it deserves and it will repay you. Here are seven ways to keep more money in your pocket by saving your receipts.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/how-to-easily-raise-your-credit-score/</loc>
		<lastmod>2018-08-20T13:40:17-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/01/iStock_000043649090_Large.jpg</image:loc>
			<image:title><![CDATA[How to Easily Raise Your Credit Score]]></image:title>
			<image:caption><![CDATA[How to Easily Raise Your Credit Score]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/cost-of-living/cost-of-living-blogs/my-food-habits-were-eating-away-at-my-finances/</loc>
		<lastmod>2018-08-20T14:20:40-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_60996664_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[My Food Habits Were Eating Away At My Finances]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/My-Food-Habits-Were-Eating-Away-At-My-Finances.png</image:loc>
			<image:caption><![CDATA[You owe it to yourself to give your family the gift of good, healthy food on a budget you can afford. The leftover – money, I mean – well, that’s yours to keep.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/when-the-money-is-to-be-shared-among-his-mine-and-ours/</loc>
		<lastmod>2018-08-20T14:22:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_87081501_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[When The Money Is To Be Shared Among His, Mine, And Ours]]></image:title>
			<image:caption><![CDATA[marital finance]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/When-The-Money-Is-To-Be-Shared-Among-His-Mine-And-Ours.png</image:loc>
			<image:caption><![CDATA[It's not always once bitten, twice shy. Second families are real. So are the money challenges that they face.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/credit-cards/credit-cards-blogs/travel-reward-cards-can-take-you-for-a-ride/</loc>
		<lastmod>2018-08-20T14:23:02-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_87118699_MEDIUM-1.jpg</image:loc>
			<image:title><![CDATA[Travel Reward Cards Can Take You For A Ride]]></image:title>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Travel-Reward-Cards-Can-Take-You-For-A-Ride.png</image:loc>
			<image:caption><![CDATA[Be very careful of those tricky travel reward cards. Remember that it's never the case that you get something without paying for it one way or another.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/why-are-we-attracted-to-our-financial-opposite/</loc>
		<lastmod>2018-08-20T14:30:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_63882131_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Why Are We Attracted to Our Financial Opposite?]]></image:title>
			<image:caption><![CDATA[financial opposites]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Why-Are-We-Attracted-To-Our-Financial-Opposite.png</image:loc>
			<image:caption><![CDATA[When the free bird and the money nerd get together…Do they fly toward financial freedom or end up in a cage, constrained by the other's habits?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/some-credit-repair-companies-can-damage-your-credit/</loc>
		<lastmod>2018-08-20T14:35:05-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_49742952_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Some Credit Repair Companies Can Damage Your Credit!]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Some-Credit-Repair-Companies-Can-Damage-Your-Credit.png</image:loc>
			<image:caption><![CDATA[You may be able to do all that credit repair companies promise at no extra cost. Sound like a better option? Read on.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/young-poor-but-adaptable-thats-how-our-marriage-survived/</loc>
		<lastmod>2018-08-20T14:42:50-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_73607269_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Young, Poor, But Adaptable...That's How Our Marriage Survived]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Young-Poor-But-Adaptable%E2%80%A6That%E2%80%99s-How-Our-Marriage-Survived.png</image:loc>
			<image:caption><![CDATA[Conventional wisdom says that the earlier the marriage, the quicker the divorce. But it doesn't have to be. Read how we defied the odds.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/getting-started-investing-basics/</loc>
		<lastmod>2018-08-20T14:45:01-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_7264582_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Quiet Working]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/4-Smart-Investing-Tips.png</image:loc>
			<image:caption><![CDATA[We all know we should invest, but a lot of people don't know where to begin. Here Nick shows that it doesn't need to be complicated.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/chat-hypothetical.jpg</image:loc>
			<image:caption><![CDATA[chat-hypothetical]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/07/Invest-4.95Border-970x300.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/saying-no-to-parenting-200k-savings/</loc>
		<lastmod>2018-08-20T15:01:52-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_70732365_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Saying No To Parenting = $200k Savings]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Saying-No-To-Parenting-200k-Savings.png</image:loc>
			<image:caption><![CDATA[Parenting is not easy. You can’t blame couples who decide not to have children. The costs of bringing up a baby is daunting.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Childcare-Costs_Sidebar_Ozar.jpg</image:loc>
			<image:caption><![CDATA[Childcare-Costs_Sidebar_Ozar]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/being-in-love-helped-us-tackle-massive-student-loan-debt/</loc>
		<lastmod>2018-08-20T15:18:48-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/01/iStock_000040847772_Large.jpg</image:loc>
			<image:title><![CDATA[Being In Love Helped Us Tackle Massive Student Loan Debt]]></image:title>
			<image:caption><![CDATA[Being In Love Helped Us Tackle Massive Student Loan Debt]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/no-longer-drowning-in-debt-i-am-now-setting-fresh-goals/</loc>
		<lastmod>2018-08-20T15:43:30-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/01/iStock_000048731810_Large.jpg</image:loc>
			<image:title><![CDATA[No Longer Drowning In Debt, Melanie Sets Fresh Goals]]></image:title>
			<image:caption><![CDATA[No Longer Drowning In Debt, Melanie Sets Fresh Goals]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/pay-more-for-quality-things-that-last-a-lifetime/</loc>
		<lastmod>2018-08-20T16:38:15-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_49336968_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Pay More For Quality Things That Last A Lifetime]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Pay-More-For-Quality-Things-That-Last-A-Lifetime-1.png</image:loc>
			<image:caption><![CDATA[Quality products may cost more now, but they give better returns in the long term.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/a-lazy-persons-guide-to-easy-budgeting/</loc>
		<lastmod>2018-08-20T16:39:40-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_88777211_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[A Lazy Person's Guide to Easy Budgeting]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/A-Lazy-Person%E2%80%99s-Guide-To-Easy-Budgeting.png</image:loc>
			<image:caption><![CDATA[Tracking every cent earned, spent or saved, can be a formidable task. There is an easier way for the not-so hawk-eyed among us.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/jackieLam3LazybudgetingIllustration.png</image:loc>
			<image:caption><![CDATA[jackieLam3LazybudgetingIllustration]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/is-it-possible-to-be-bffs-with-someone-much-wealthier-than-you/</loc>
		<lastmod>2018-08-20T16:41:06-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_92716253_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Is It Possible to Be BFF's With Someone Much Wealthier Than You?]]></image:title>
			<image:caption><![CDATA[friendship and money]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Is-It-Possible-To-Be-BFFs-With-Someone-Much-Wealthier-Than-You.png</image:loc>
			<image:caption><![CDATA[Your friend doesn't have to think twice about money, but you need to count every dime. What does that do to your friendship?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/real-estate/real-estate-blogs/ceiling-fans-home-grown-vegetables-other-ways-to-save-a-bundle/</loc>
		<lastmod>2018-08-20T16:46:04-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_68123291_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Saving money by gardening rather than going to the supermarket and other smart tricks for saving on your household budget.  ]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/Ceiling-Fans-Home-Grown-Vegetables-Other-Ways-To-Save-A-Bundle.png</image:loc>
			<image:caption><![CDATA[Ceiling Fans, Home-Grown Vegetables, Other Ways to Save a Bundle. In a very short period, we agreed on several simple ways to save more every month. Here is a short list of five such ways:]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/what-did-i-do-right-paying-off-debt-through-cash-windfalls/</loc>
		<lastmod>2018-08-20T16:49:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_89615299_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Paying Off Debt Through Cash Windfalls]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/What-Did-I-Do-Right-Paying-Off-Debt-Through-Cash-Windfalls.png</image:loc>
			<image:caption><![CDATA[Complete elimination of debt takes a lot of planning, plenty of patience, and – in Michelle's case – a couple of cash windfalls.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/the-guessing-games-give-yourself-flexibility-in-planning-for-the-future/</loc>
		<lastmod>2018-08-20T17:01:23-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_24415470_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Guessing Game]]></image:title>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/travel/travel-blogs/you-can-travel-the-world-without-breaking-the-bank/</loc>
		<lastmod>2018-08-20T17:06:43-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_81538847_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[You Can Travel the World Without Breaking the Bank]]></image:title>
			<image:caption><![CDATA[You Can Travel the World Without Breaking the Bank]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/You-Can-Travel-The-World-Without-Breaking-The-Bank.png</image:loc>
			<image:caption><![CDATA[You Can Travel the World Without Breaking the Bank. You don't have to be rich to travel the world. If you know what your priorities are and find budget-effective ways to plan your trip, you'll be set.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/must-reads/what-is/an-index-fund/</loc>
		<lastmod>2018-08-21T10:22:42-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/10/iStock-638999566.jpg</image:loc>
			<image:title><![CDATA[WTF is an Index Fund?]]></image:title>
			<image:caption><![CDATA[WTF is an Index Fund? - what is an index fund - benefits of index funds]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/02/Stash-Ad-5-1100x400.jpg</image:loc>
			<image:title><![CDATA[Impact Radius - Stash Invest - Robo Advisor]]></image:title>
			<image:caption><![CDATA[Impact Radius - Stash Invest - Robo Advisor]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/lifestyle/lifestyle-blogs/how-much-do-pets-cost/</loc>
		<lastmod>2018-08-21T12:05:29-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/Corgis-Lychee-and-Mochee.jpg</image:loc>
			<image:title><![CDATA[Corgis-Lychee-and-Mochee]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/lychee-right-and-mochee-e1531420402100.jpg</image:loc>
			<image:caption><![CDATA[Corgis Mochee (left) and Lychee (right)]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/Lydia-Liebmann-with-dog-Coco-Puempe-e1531420539840.jpg</image:loc>
			<image:caption><![CDATA[Lydia Liebmann with her dog Coco Puempe]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/These-20-Somethings-Spend-Crazy-Money-on-Their-Pet-Babies.png</image:loc>
			<image:caption><![CDATA[These 20-Somethings Spend Crazy Money on Their Pet 'Babies'. Millennials are spending serious money on their fur babies, is it? Find out why... #crazymoneysavingtips #crazymoneysaving #spendcrazymoney #furbaby]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/jalen-with-dog-gio-e1531424312310.jpg</image:loc>
			<image:caption><![CDATA[Jalen Dominique with his dog Gio. (How much do pets cost?)]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/Paris-the-banana-pastel-ball-python.jpg</image:loc>
			<image:caption><![CDATA[Paris, Jalen Dominique banana-pastel ball python]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/lindsay-with-dog-madison-e1531425053627.jpg</image:loc>
			<image:caption><![CDATA[Lindsay Albala with her dog Madison (How much do pets cost?/How much do millennials spend on pets?)]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/benefits-of-online-education/</loc>
		<lastmod>2018-08-21T16:08:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/12/iStock_72293023_LARGE-e1513269090529.jpg</image:loc>
			<image:title><![CDATA[The Benefits of Online Education: Can It Fire Up Your Career?]]></image:title>
			<image:caption><![CDATA[The Benefits of Online Education: Can It Fire Up Your Career? - pros and cons of online classes - Are online classes worth it?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/having-children-can-add-dollars-to-your-bottom-line/</loc>
		<lastmod>2018-08-21T16:28:36-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_22124763_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Having Children Can Add Money to Your Bottom Line]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Having-Children-Can-Add-Dollars-to-Your-Bottom-Line.png</image:loc>
			<image:caption><![CDATA[Having Children Can Add Dollars to Your Bottom Line]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/the-401k-quick-lube/</loc>
		<lastmod>2018-08-21T16:30:11-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_68243647_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Cell phone break up]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/The-401k-Quick-Lube.png</image:loc>
			<image:caption><![CDATA[I’ll talk about the good, the bad, and the ugly – things to pay attention to and look out for – regarding FinTech’s launch into the 401(k) service provider space!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/wannabe-nomads-save-by-living-local/</loc>
		<lastmod>2018-08-21T16:36:58-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/HGWAXJFSVV.jpg</image:loc>
			<image:title><![CDATA[Living Local]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Wannabe-Nomads-Save-By-Living-Local.png</image:loc>
			<image:caption><![CDATA[I have lived on three different continents, and I love my lifestyle. But that doesn't mean that living abroad is all fun and games.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/swimming-the-financial-currents-with-kids-in-tow/</loc>
		<lastmod>2018-08-21T16:43:43-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_48373282_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Swimming currents with kids in tow]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Swimming-The-Financial-Currents-With-Kids-In-Tow.png</image:loc>
			<image:caption><![CDATA[I may never completely stop worrying about my kids, but after doing some preparation and budgeting, I know that they will be okay.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/find-time-for-both-your-kids-and-your-finances/</loc>
		<lastmod>2018-08-21T16:45:45-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_19563719_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Finding Time For Kids and Finances]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Find-Time-For-Both-Your-Kids-AND-Your-Finances.png</image:loc>
			<image:caption><![CDATA[Hard-pressed moms don't have to throw their hands up – they need to find 15 minutes each day to track the money trail and organize their finances.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/credit-cards/credit-cards-blogs/5-credit-card-commandments-that-you-shouldnt-break/</loc>
		<lastmod>2018-08-21T16:49:26-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/credit-card-and-money.jpg</image:loc>
			<image:title><![CDATA[Credit Card Commandments]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Five-Credit-Card-Commandments-That-You-Shouldn%E2%80%99t-Break-2.png</image:loc>
			<image:caption><![CDATA[Nobody wants to end up in debt, but it's easier to avoid than you may think. Here are five simple ways to maintain good credit while using a credit card.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/judge-people-for-who-they-are-not-how-much-they-make/</loc>
		<lastmod>2018-08-21T16:52:07-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/millennials-talking.jpg</image:loc>
			<image:title><![CDATA[Judge People For Who They Are]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Judge-People-For-Who-They-Are-Not-How-Much-They-Make.png</image:loc>
			<image:caption><![CDATA[We all do it all the time, but forming perceptions of others based on career and money alone will make you a poor judge of people.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-experts/getting-started-with-financial-planning/</loc>
		<lastmod>2018-08-21T16:54:57-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_83680411_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Young Girl and Digital Tablet]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Getting-Started-With-Financial-Planning.png</image:loc>
			<image:caption><![CDATA[Financial planning is something that can benefit anyone. Nick breaks the concept down into simple and understandable terms.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/work-hard-play-hard-is-my-money-motto/</loc>
		<lastmod>2018-08-21T16:56:13-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_45731390_MEDIUM.jpg</image:loc>
			<image:title><![CDATA['Work Hard, Play Hard']]></image:title>
			<image:caption><![CDATA[financial strategy]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/%E2%80%98Work-Hard-Play-Hard%E2%80%99-Is-My-Money-Motto.png</image:loc>
			<image:caption><![CDATA[You should work hard so you can enjoy the rewards it brings. Don’t just tuck all your money away for a rainy day – allow yourself to have a little fun!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/the-road-to-debt-payoff-july-didnt-go-quite-as-well-as-i-had-budgeted/</loc>
		<lastmod>2018-08-21T16:59:38-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_62304938_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Road to Debt Payoff: July Didn't Go as Well as Budgeted]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/The-Road-To-Debt-Payoff-July-Didn%E2%80%99t-Go-Quite-As-Well-As-I-Had-Budgeted.png</image:loc>
			<image:caption><![CDATA[The summer mood, out-of-state trips, and an unexpected dental emergency throw Michelle's continuing saga of debt payoff slightly off track.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/investing/investing-blogs/4-stock-trading-apps-that-make-investing-easy/</loc>
		<lastmod>2018-08-21T17:02:21-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_87617937_LARGE.jpg</image:loc>
			<image:title><![CDATA[4 Stock Trading Apps That Make Investing Easy]]></image:title>
			<image:caption><![CDATA[4 Stock Trading Apps That Make Investing Easy]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Four-Stock-Trading-Apps-That-Make-Investing-Easy.png</image:loc>
			<image:caption><![CDATA[Whether you're new to the subject or a seasoned investor, these apps will allow you to take stock trading into your own hands.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/09/Invest-4.95Border-970x300.jpg</image:loc>
			<image:caption><![CDATA[Ally Invest]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/investing/investing-blogs/my-investing-behavior-is-more-human-than-vulcan/</loc>
		<lastmod>2018-08-21T17:08:57-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_87593851_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Investing Behavior is More Human Than Vulcan]]></image:title>
			<image:caption><![CDATA[My Investing Behavior is More Human Than Vulcan]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/09/Invest-4.95Border-970x300.jpg</image:loc>
			<image:caption><![CDATA[Ally Invest]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/every-20-year-old-today-can-retire-in-great-style/</loc>
		<lastmod>2018-08-21T17:13:02-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_84903623_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Today's 20-Year-Olds Can Retire in Style]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Every-20-Year-Old-Today-Can-Retire-In-Great-Style.png</image:loc>
			<image:caption><![CDATA[By saving and budgeting carefully today, you can ensure that you'll be able to retire comfortably when you reach your 60s or 70s.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/turning-26-get-your-own-health-insurance-its-the-law/</loc>
		<lastmod>2018-08-21T17:25:07-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_41424322_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Insurance at 26]]></image:title>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/what-do-students-really-want-to-learn-about-personal-finance/</loc>
		<lastmod>2018-08-21T17:26:59-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/What-do-students-want-to-learn.jpg</image:loc>
			<image:title><![CDATA[What do students want to learn]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/What-Do-Students-Really-Want-to-Learn-About-Personal-Finance.png</image:loc>
			<image:caption><![CDATA[When I ask my students what they found most valuable in my personal finance classes, the answers are usually predictable. This past semester, I was surprised.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/working-at-a-crummy-job-can-set-you-up-for-life/</loc>
		<lastmod>2018-08-21T17:29:21-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_000068025739_Medium.jpg</image:loc>
			<image:title><![CDATA[Crummy Job]]></image:title>
			<image:caption><![CDATA[a crummy job can set you up for life]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Working-at-a-Crummy-Job-Can-Set-You-Up-For-Life.png</image:loc>
			<image:caption><![CDATA[A terrible job can become a motivator to find something better while you're trying to figure out what you want to do with your life.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/want-to-be-a-millionaire-then-stay-out-of-teaching/</loc>
		<lastmod>2018-08-21T17:36:10-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_59245400_MEDIUM.jpg</image:loc>
			<image:title><![CDATA['Don't Go Into Teaching']]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Want-To-Be-A-Millionaire-Then-Stay-Out-of-Teaching.png</image:loc>
			<image:caption><![CDATA[Teaching may be an honorable profession, but the low pay and long hours often drive teachers out of their chosen career early.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/minimize-the-cost-of-losing-your-online-data/</loc>
		<lastmod>2018-08-21T17:38:25-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_83414361_MEDIUM-1100x733_1.jpg</image:loc>
			<image:title><![CDATA[iStock_83414361_MEDIUM-1100x733_1]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Minimize-The-Cost-of-Losing-Your-Online-Data.png</image:loc>
			<image:caption><![CDATA[Minimize The Cost of Losing Your Online Data. You’ve heard it said often - time is money. Today, personal data is even bigger money, and you need to know how to protect yours.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/i-got-a-divorce-and-managed-to-pay-off-all-of-my-debt/</loc>
		<lastmod>2018-08-21T17:39:24-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_94028249_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Got Divorced and Paid Off Debt]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/I-Got-a-Divorce-and-Managed-to-Pay-Off-All-of-My-Debt.png</image:loc>
			<image:caption><![CDATA[The first thing you should worry about after signing your divorce papers is how much debt you owe, and to whom you owe it.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-loans-experts/these-changes-to-the-fafsa-will-help-you-save-money/</loc>
		<lastmod>2018-08-21T17:40:46-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_91506443_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[The FAFSA for the 2017 – 2018 year can now be filed earlier, not to mention it has been made generally easier to fill out.]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/These-Changes-to-the-FAFSA-Will-Help-You-Save-Money.png</image:loc>
			<image:caption><![CDATA[No updating will be necessary, and given that your taxes should have been filed months earlier, you can pull your IRS tax information directly into the FAFSA.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/all/fast-ways-for-young-parents-to-build-an-emergency-fund/</loc>
		<lastmod>2018-08-22T12:13:08-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_19279633_MEDIUM-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_19279633_MEDIUM-1100x733_c]]></image:title>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/with-everything-that-a-kid-needs-is-it-possible-to-be-a-minimalist-parent/</loc>
		<lastmod>2018-08-22T12:13:31-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_67787577_MEDIUM-2.jpg</image:loc>
			<image:title><![CDATA[Is It Possible to be a Minimalist Parent?]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/With-Everything-That-a-Kid-Needs-Is-It-Possible-to-Be-a-Minimalist-Parent.png</image:loc>
			<image:caption><![CDATA[With Everything That a Kid Needs, Is It Possible to Be a Minimalist Parent? An unintentional minimalist faces a new reality - and new challenges to her lifestyle - as she prepares to become a parent.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/financial-planning-part-2-emergencies-debt-and-investing/</loc>
		<lastmod>2018-08-22T12:14:17-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_50587216_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[African American woman using computer.]]></image:title>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/which-will-it-be-cash-credit-or-cryptocurrency/</loc>
		<lastmod>2018-08-22T12:17:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_72164129_LARGE.jpg</image:loc>
			<image:title><![CDATA[Cash, Credit, or Bitcoin?]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Which-Will-It-Be-%E2%80%93-Cash-Credit-or-Cryptocurrency.png</image:loc>
			<image:caption><![CDATA[Some people may be wary of cryptocurrency thanks to tales of fraud and other illegal activity, but it can actually be an incredibly useful tool.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/family-and-money/family-and-money-blogs/i-dont-use-my-parents-as-a-piggy-bank-and-neither-should-you/</loc>
		<lastmod>2018-08-22T12:18:41-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_90651169_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Don't Use Parents as Piggy Bank]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/I-Don%E2%80%99t-Use-My-Parents-as-a-Piggy-Bank-and-Neither-Should-You.png</image:loc>
			<image:caption><![CDATA[Using your parents as a financial crutch once you've reached adulthood is unhelpful, both for them and for you. Now's the time to strike out on your own!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/extreme-frugality-would-you-risk-mugging-to-save-on-cab-fare/</loc>
		<lastmod>2018-08-22T12:32:17-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_92084199_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_92084199_LARGE-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Extreme-Frugality-Would-You-Risk-Mugging-To-Save-On-Cab-Fare.png</image:loc>
			<image:caption><![CDATA[Frugality can be hugely beneficial for your savings account, but at what point do your attempts to be frugal become too much of a good thing?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/credit-cards/credit-cards-blogs/the-secret-to-never-carrying-a-credit-card-balance-ever/</loc>
		<lastmod>2018-08-22T12:35:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_43218678_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[The Secret To Never Carrying A Credit Card Balance...Ever!]]></image:title>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/health-and-beauty/health-and-beauty-blogs/being-money-minded-can-even-help-you-build-muscles/</loc>
		<lastmod>2018-08-22T12:38:16-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_83625145_LARGE.jpg</image:loc>
			<image:title><![CDATA[Money-Minded, Build Muscles]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Being-Money-Minded-Can-Even-Help-You-Build-Muscles.png</image:loc>
			<image:caption><![CDATA[Your lifestyle reflects your values. So we can’t help but write about money and lifestyle together.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/i-causefunded-my-trip-to-the-democratic-convention/</loc>
		<lastmod>2018-08-22T12:51:49-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2018/07/iStock_39580930_LARGE-715x464.jpg</image:loc>
			<image:title><![CDATA[iStock_39580930_LARGE-715x464]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/I-%E2%80%98Causefunded%E2%80%99-My-Trip-To-The-Democratic-Convention.png</image:loc>
			<image:caption><![CDATA[There are good people out there who want to help. You just need to know how to tap into those resources – and causefunding can help you do that.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/starting-early-financial-lessons-for-20-somethings/</loc>
		<lastmod>2018-08-22T12:54:36-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_73173729_LARGE.jpg</image:loc>
			<image:title><![CDATA[Starting Early: Financial Lessons...]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Starting-Early-Financial-Lessons-For-20-Somethings.png</image:loc>
			<image:caption><![CDATA[Everybody makes a few financial mistakes when they're young, but don't let "not saving enough for the future" be one of those mistakes. Financial literacy should be mandatory in high school to make up for the work that some parents don’t do in educating their kids financially.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/health-and-beauty/health-and-beauty-blogs/eyebrow-tattoos-should-you-raise-your-eyebrow-budget/</loc>
		<lastmod>2018-08-22T12:57:16-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_77636845_LARGE.jpg</image:loc>
			<image:title><![CDATA[How Much Does It Cost to Get Your Eyebrows Tattooed?]]></image:title>
			<image:caption><![CDATA[How Much Does It Cost to Get Your Eyebrows Tattooed?]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Eyebrow-Tattoos-Should-You-Raise-Your-Eyebrow-Budget.png</image:loc>
			<image:caption><![CDATA[They may seem convenient at first, but there are cheaper and easier ways than eyebrow tattoos to get your eyebrows to be the shape and shade that you want.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/transportation/transportation-blogs/not-owning-a-car-added-66000-to-my-savings-account/</loc>
		<lastmod>2018-08-22T12:59:28-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_94097997_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Not Driving a Car Added $66,000]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Not-Owning-A-Car-Added-66000-To-My-Savings-Account.png</image:loc>
			<image:caption><![CDATA[I didn't even get a driver's license until I was 29 – thanks to public transportation, I didn't need a car, and it saved me bundles.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/what-you-need-to-know-before-making-major-insurance-claims/</loc>
		<lastmod>2018-08-22T13:01:40-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_89401951_LARGE.jpg</image:loc>
			<image:title><![CDATA[What to Know Before Making a Major Insurance Claim]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/What-You-Need-To-Know-Before-Making-Major-Insurance-Claims.png</image:loc>
			<image:caption><![CDATA[What You Need to Know Before Making Major Insurance Claims.Floods, fires, and other emergencies may drive you to the “big claims” department. Here’s what you should do to make sure that you get paid.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/thanks-to-national-parks-i-visited-29-states-in-90-days-for-just-3600/</loc>
		<lastmod>2018-08-22T13:07:57-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_90270725_LARGE.jpg</image:loc>
			<image:title><![CDATA[National Parks/Travel for Cheap - Pauline Paquin]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Thanks-to-National-Parks-I-Visited-29-States-in-90-Days-for-Just-3600.png</image:loc>
			<image:caption><![CDATA[With a national parks pass at your side and a little bit of travel savvy, you can take a cross-country road trip for cheap!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/real-estate/real-estate-blogs/a-katrina-survivor-offers-actionable-wisdom-to-help-baton-rouge/</loc>
		<lastmod>2018-08-22T13:26:42-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_2118613_LARGE.jpg</image:loc>
			<image:title><![CDATA[Downtown New orleans post Katrina]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/A-Katrina-Survivor-Offers-Actionable-Wisdom-To-Help-Baton-Rouge.png</image:loc>
			<image:caption><![CDATA[A Hurricane Katrina survivor reaches out to Baton Rouge – where she had taken refuge from the hurricane 11 years ago – with an uplifting message.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Image-1.jpg</image:loc>
			<image:caption><![CDATA[The playhouse where the author's children enjoyed themselves this summer before the floods hit Baton Rouge.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/beejesus-there-is-money-in-beekeeping/</loc>
		<lastmod>2018-08-22T13:38:06-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/2015-05-13-16.28.31-bee-and-flower-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[2015-05-13-16.28.31-bee-and-flower-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Beejesus-There-Is-Money-in-Beekeeping.png</image:loc>
			<image:caption><![CDATA[Katie and Adam Kokx would have never thought that they'd get into the "beesiness" of beekeeping, but now that they are, they couldn't be happier!]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/2016-04-06-21.25.31-tending-the-bees-with-suit.jpg</image:loc>
			<image:caption><![CDATA[2016-04-06 21.25.31 - tending the bees with suit]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/2015-06-05-15.06.52-honey-products.jpg</image:loc>
			<image:caption><![CDATA[2015-06-05 15.06.52 - honey products]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/1stYeartoGAFLforWinter2013.jpg</image:loc>
			<image:caption><![CDATA[1stYeartoGAFLforWinter2013]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/CleaningOldEquipment.jpg</image:loc>
			<image:caption><![CDATA[CleaningOldEquipment]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Bee-Keeping-Sidebar.jpg</image:loc>
			<image:caption><![CDATA[Beekeeping]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/why-break-your-bank-when-you-can-settle-your-debts/</loc>
		<lastmod>2018-08-22T13:43:10-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_60285216_MEDIUM-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_60285216_MEDIUM-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/Why-Break-Your-Bank-When-You-Can-Settle-Your-Debts.png</image:loc>
			<image:caption><![CDATA[Usually, people opt for debt settlement when they’ve missed a couple of payments. Though this plummets their credit, yet it sets the ball of negotiation rolling where creditors become eager to hear from their clients. All this while, both interest and penalties are applied.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/i-felt-staying-in-debt-and-earning-low-wages-was-the-norm/</loc>
		<lastmod>2018-08-22T15:51:11-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/girl-presenting-in-meeting.jpg</image:loc>
			<image:title><![CDATA[Don't Just Take What You're Given]]></image:title>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/the-perks-of-jobs-that-allow-you-to-travel-for-work/</loc>
		<lastmod>2018-08-22T15:52:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_87439801_LARGE-1-1100x733_c.jpg</image:loc>
			<image:title><![CDATA[iStock_87439801_LARGE-1-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Traveling-For-Work-An-Economical-Way-To-Mix-Business-And-Pleasure.png</image:loc>
			<image:caption><![CDATA[Are you young and single? Want to explore the world? A job that allows you to travel for work may be just the thing for you.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/financial-hardship/financial-hardship-blogs/losing-everything-to-payday-loans-was-the-best-thing-to-happen-to-me/</loc>
		<lastmod>2018-08-22T15:56:06-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_85625141_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Michelle Argento - Losing Everything to Payday Loans]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/%E2%80%98Losing-Everything-To-Payday-Loans-Was-The-Best-Thing-To-Happen-To-Me%E2%80%99.png</image:loc>
			<image:caption><![CDATA[Sometimes it takes a trip inside the jaws of the (payday loan) sharks to learn a valuable life lesson: don't put your faith in payday loans.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/4-tips-to-land-your-first-job-right-after-college/</loc>
		<lastmod>2018-08-22T16:02:56-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_82665501_LARGE.jpg</image:loc>
			<image:title><![CDATA[4 Tips to Land Your First Job Right After College]]></image:title>
			<image:caption><![CDATA[4 Tips to Land Your First Job Right After College]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/4-Tips-to-Land-Your-First-Job-Right-After-College.png</image:loc>
			<image:caption><![CDATA[Still looking for your first job after graduating college? The following tactics can dig you out of your parents’ basement.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Four-Tips-To-Land-Your-First-Job-Right-After-College.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/when-it-comes-to-money-it-should-be-basic-instinct/</loc>
		<lastmod>2018-08-22T16:06:15-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_96691247_LARGE.jpg</image:loc>
			<image:title><![CDATA[When It Comes To Money, It Should Be 'Basic Instinct']]></image:title>
			<image:caption><![CDATA[When It Comes To Money, It Should Be 'Basic Instinct']]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-experts/financial-planning-part-3-death-and-taxes/</loc>
		<lastmod>2018-08-22T16:08:01-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/iStock_85090885_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Working at home]]></image:title>
			<image:caption><![CDATA[financial planning]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Financial-Planning-Part-Three-Death-and-Taxes.png</image:loc>
			<image:caption><![CDATA[People look forward to talking about death and disability about as much as they look forward to talking about taxes, so we decided to talk about both of them here! Both are incredibly important to address as part of your financial plan.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/my-biggest-money-mistakes-were-a-blessing-in-disguise/</loc>
		<lastmod>2018-08-22T16:18:26-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_79549825_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[My Biggest Money Mistakes Were a Blessing in Disguise]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/My-Biggest-Money-Mistakes-Were-a-Blessing-in-Disguise.png</image:loc>
			<image:caption><![CDATA[Climbing a mountain of debt is easy. You'll make mistakes along the way. But the lessons that you learn on the ascent can help you get back to earth safely.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/marry-early-and-live-financially-happy-ever-after/</loc>
		<lastmod>2018-08-22T16:29:51-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_25744613_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Marry Early and Live Financially Happy Ever After!]]></image:title>
			<image:caption><![CDATA[marrying early]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Marry-Early-and-Live-Financially-Happy-Ever-After.png</image:loc>
			<image:caption><![CDATA[While my experience with money and marriage might not be the same as everyone else who marries young, here are some reasons why I think it can be an asset:]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/my-financially-abusive-relationship-taught-me-about-money-and-love/</loc>
		<lastmod>2018-08-22T16:30:36-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_25785332_MEDIUM-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_25785332_MEDIUM-1100x733_c]]></image:title>
			<image:caption><![CDATA[financial abuse]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/My-Financially-Abusive-Relationship-Taught-Me-About-Money-and-Love.png</image:loc>
			<image:caption><![CDATA[My Financially Abusive Relationship Taught Me About Money and Love]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/my-divorce-triggered-an-emotional-spending-spree/</loc>
		<lastmod>2018-08-22T16:31:07-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_89406783_LARGE.jpg</image:loc>
			<image:title><![CDATA[My Divorce Catapulted Me Into An Emotional Spending Spree]]></image:title>
			<image:caption><![CDATA[My Divorce Catapulted Me Into An Emotional Spending Spree]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/My-Divorce-Triggered-An-Emotional-Spending-Spree.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/10-things-i-learned-from-biking-19-miles-to-work/</loc>
		<lastmod>2018-08-22T16:32:00-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_23347045_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_23347045_LARGE-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/10-Things-I-Learned-From-Biking-19-Miles-to-Work.png</image:loc>
			<image:caption><![CDATA[I love driving cars, but I discovered that biking every day made me both healthier and wealthier – and it felt good, too! I’m about to tell the many lessons I learned from commuting 19 miles per day on my ($99 Wal-Mart) bicycle.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/how-to-do-a-date-night-on-a-budget/</loc>
		<lastmod>2018-08-22T16:33:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_93474701_LARGE-1.jpg</image:loc>
			<image:title><![CDATA[Who Says A 'Budgeting' Date Night Isn't Hot?]]></image:title>
			<image:caption><![CDATA[Who Says A 'Budgeting' Date Night Isn't Hot?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/emergency-room-bills-can-make-you-sick-all-over-again/</loc>
		<lastmod>2018-08-22T16:36:04-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_102359085_LARGE.jpg</image:loc>
			<image:title><![CDATA[ER Bills Will Make You Sick - Allison Martin]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Emergency-Room-Bills-Can-Make-You-Sick-All-Over-Again.png</image:loc>
			<image:caption><![CDATA[If you do have to make a trip to the ER, make sure you understand your coverage. Navigating the insurance maze can be tricky, so be prepared.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/debit-or-credit-how-about-the-benefits-of-both/</loc>
		<lastmod>2018-08-22T16:43:04-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_000008297159_Medium-1-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[Debit or Credit? How about the Benefits of Both?-1-1100x733_c]]></image:title>
			<image:caption><![CDATA[Debit or Credit? How about the Benefits of Both?]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Debit-Or-Credit-How-About-The-Benefits-Of-Both.png</image:loc>
			<image:title><![CDATA[Debt is a powerful tool and like many powerful tools can be dangerous when improperly used. Here is one tool which consumers can use to help manage their risk.]]></image:title>
			<image:caption><![CDATA[Debt is a powerful tool and like many powerful tools can be dangerous when improperly used. Here is one tool which consumers can use to help manage their risk.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/stop-being-a-slave-to-your-budget-and-live-a-little/</loc>
		<lastmod>2018-08-22T16:43:50-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_65817257_LARGE.jpg</image:loc>
			<image:title><![CDATA[Don't be a slave to your budget - Will Lipovsky]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Stop-Being-A-Slave-To-Your-Budget-And-Live-A-Little.png</image:loc>
			<image:caption><![CDATA[Another rule of thumb is to save at least 10 percent of your income. Everything else is pretty much up to you. Spend what feels right. You needn’t be a slave to a budget. You got this.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/how-much-can-you-save-with-a-zero-waste-lifestyle/</loc>
		<lastmod>2018-08-22T16:55:11-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_99159415_LARGE.jpg</image:loc>
			<image:title><![CDATA[How Much Can You Save With A Zero-Waste Lifestyle?]]></image:title>
			<image:caption><![CDATA[How Much Can You Save With A Zero-Waste Lifestyle?]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/How-Much-Can-You-Save-With-A-Zero-Waste-Lifestyle.png</image:loc>
			<image:caption><![CDATA[A zero-waste lifestyle may seem like something for hippies, but it's just about saving the planet – it also saves you a lot of money.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/parenting/parenting-blogs/13-overlooked-ways-that-toddlers-cost-their-parents-big-money/</loc>
		<lastmod>2018-08-22T17:02:07-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_67788393_LARGE.jpg</image:loc>
			<image:title><![CDATA[13 Ways That Toddlers Have Cost Their Parents Big Money]]></image:title>
			<image:caption><![CDATA[13 Ways That Toddlers Have Cost Their Parents Big Money]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/13-Overlooked-Ways-That-Toddlers-Cost-Their-Parents-Big-Money.png</image:loc>
			<image:caption><![CDATA[One thing that isn't taken into account when budgeting for kids? Toddlers have great destructive powers, and they can wreck your budget.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/six-steps-to-help-you-recover-after-financial-infidelity/</loc>
		<lastmod>2018-08-22T17:03:13-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_52726556_LARGE.jpg</image:loc>
			<image:title><![CDATA[6 Steps to Help You Recover After Financial Infidelity]]></image:title>
			<image:caption><![CDATA[6 Steps to Help You Recover After Financial Infidelity]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Six-Steps-To-Help-You-Recover-After-Financial-Infidelity.png</image:loc>
			<image:caption><![CDATA[6 Steps to Help You Recover After Financial Infidelity. Here are some ways to move past financial infidelity and rebuild trust with the love of your life]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/my-theatre-major-gave-me-transferable-money-making-skills/</loc>
		<lastmod>2018-08-22T17:03:47-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Presenting-the-software-architecture-000082598955_Large.jpg</image:loc>
			<image:title><![CDATA[I Never Became an Actor, But I Don’t Regret my Fine Arts Degree]]></image:title>
			<image:caption><![CDATA[I Never Became an Actor, But I Don’t Regret my Fine Arts Degree]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/My-Theatre-Degree-Gave-Me-Transferable-Money-Making-Skills.png</image:loc>
			<image:caption><![CDATA[If you’re majoring in the arts and wondering how you can leverage your skills to create money-making opportunities, here’s how to do it:]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/travel/travel-blogs/avoid-hidden-vacation-cost-traps/</loc>
		<lastmod>2018-08-22T17:07:37-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_100775955_LARGE.jpg</image:loc>
			<image:title><![CDATA[Plan Months in Advance For Hidden Holiday Costs]]></image:title>
			<image:caption><![CDATA[Plan Months in Advance For Hidden Holiday Costs]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Avoid-Hidden-Vacation-Cost-Traps.png</image:loc>
			<image:caption><![CDATA[Vacations are mostly a time to enjoy being with your friends or around family, and there is no obligation to spend tons of money to have fun.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/prenups-arent-only-about-your-wealth/</loc>
		<lastmod>2018-08-22T17:09:29-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_86838099_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[Are You at the Prenup Stage in Your Relationship?]]></image:title>
			<image:caption><![CDATA[prenuptial agreement]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Prenups-Aren%E2%80%99t-Only-About-Your-Wealth.png</image:loc>
			<image:caption><![CDATA[For many couples, deciding whether or not to get a prenup before getting married is a tough discussion to have. So what are the pros and cons of doing it?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/what-to-do-when-you-and-your-spouse-disagree-on-debt/</loc>
		<lastmod>2018-08-22T17:10:29-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_79103771_LARGE.jpg</image:loc>
			<image:title><![CDATA[What To Do When You And Your Spouse Disagree on Debt]]></image:title>
			<image:caption><![CDATA[What To Do When You And Your Spouse Disagree on Debt]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/What-to-Do-When-You-and-Your-Spouse-Disagree-on-Debt.png</image:loc>
			<image:caption><![CDATA[Sometimes it takes a while before couples start seeing eye-to-eye on financial matters like debt, but following good advice helped make that easier for us.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/credit-cards/credit-cards-blogs/my-love-hate-relationship-with-credit-cards/</loc>
		<lastmod>2018-08-22T17:14:46-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_78515571_LARGE.jpg</image:loc>
			<image:title><![CDATA[Why I Have a Love-Hate Relationship With Credit Cards]]></image:title>
			<image:caption><![CDATA[Why I Have a Love-Hate Relationship With Credit Cards]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/My-Love-Hate-Relationship-With-Credit-Cards.png</image:loc>
			<image:caption><![CDATA[I have a love-hate relationship with credit cards, and depending on the day, I’ll tell you they are great or I’ll tell you to avoid them forever.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/lifestyle/lifestyle-blogs/my-first-rule-of-investing-invest-in-yourself/</loc>
		<lastmod>2018-08-23T15:34:25-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_90086277_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_90086277_LARGE-1100x733_c]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/My-First-Rule-Of-Investing-Invest-In-Yourself.png</image:loc>
			<image:caption><![CDATA[Don’t be so cheap that you refuse to spend any money on improving your skills – or even your hairstyle. It's important to invest in yourself!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/all/are-americans-the-worst-savers-in-the-world/</loc>
		<lastmod>2018-08-23T15:36:11-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_88647013_LARGE.jpg</image:loc>
			<image:title><![CDATA[Are Americans The Worst Savers In The World?]]></image:title>
			<image:caption><![CDATA[Are Americans The Worst Savers In The World?]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/Are-Americans-The-Worst-Savers-In-The-World.png</image:loc>
			<image:caption><![CDATA[Having lived all over the world, I have found that everywhere I go, people have different attitudes towards money and saving.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/my-smartphone-lease-cost-me-big-time/</loc>
		<lastmod>2018-08-23T15:38:58-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_88553885_LARGE.jpg</image:loc>
			<image:title><![CDATA[My Cell Phone Lease Cost Me Big Time]]></image:title>
			<image:caption><![CDATA[My Cell Phone Lease Cost Me Big Time]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/if-everyone-is-renting-or-sharing-why-should-i-want-to-own-a-home/</loc>
		<lastmod>2018-08-23T15:43:11-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_79040717_LARGE.jpg</image:loc>
			<image:title><![CDATA[Playing with toddler]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/If-Everyone-Is-Renting-Or-Sharing-%E2%80%93-Why-Should-I-Want-To-Own-A-Home.png</image:loc>
			<image:caption><![CDATA[There are many reasons that individuals may chose to rent instead of buying a home. But in doing so, they may be missing out on acquiring a valuable asset and setting themselves back financially.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/what-color-are-you-when-it-comes-to-money/</loc>
		<lastmod>2018-08-23T15:46:20-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_48954380_LARGE.jpg</image:loc>
			<image:title><![CDATA[Money Color]]></image:title>
			<image:caption><![CDATA[Money Color]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/What-Color-Are-You-When-It-Comes-To-Your-Money.png</image:loc>
			<image:caption><![CDATA[Teaching financial wellness to a group of people who are meeting for the first time is always eye opening. My favorite exercise in class is “What is Your Money Color?”]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/and-the-beat-goes-on-economics-as-entertainment/</loc>
		<lastmod>2018-08-23T15:49:34-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_99718195_LARGE.jpg</image:loc>
			<image:title><![CDATA[Econ Beats]]></image:title>
			<image:caption><![CDATA[Econ Beats]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/nku-logo.jpg</image:loc>
			<image:caption><![CDATA[nku-logo]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/And-The-Beat-Goes-On-%E2%80%93-Economics-As-Entertainmen.png</image:loc>
			<image:caption><![CDATA[The project requires collaboration between economics students, who work on the economic content, and students enrolled in media production classes, who help to create video and audio to match the content.]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/econbeats.jpg</image:loc>
			<image:caption><![CDATA[econbeats]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/college-debt-forced-me-into-choppy-waters/</loc>
		<lastmod>2018-08-23T15:50:41-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/College-Debt-Forced-Me-Into-Choppy-Waters-f.jpg</image:loc>
			<image:title><![CDATA[paying student debt]]></image:title>
			<image:caption><![CDATA[paying student debt]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/College-Debt-Forced-Me-Into-Choppy-Waters.png</image:loc>
			<image:caption><![CDATA[I have almost half a million dollars in college debt. Yes, you read that correctly, find out how I recovered from it!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/the-fast-track-to-your-first-million/</loc>
		<lastmod>2018-08-23T15:54:08-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/09/iStock_22947685_LARGE.jpg</image:loc>
			<image:title><![CDATA[become a millionnaire]]></image:title>
			<image:caption><![CDATA[become a millionnaire]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/How-Easy-Is-It-To-Become-A-Millionaire.png</image:loc>
			<image:caption><![CDATA[How hard is it to make a million dollars? It first starts with one small step: recognizing opportunity and making it happen. We need to look at millionaires. What is their secret?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/avoid-student-loan-default-traps/</loc>
		<lastmod>2018-08-23T16:10:35-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/student-1.jpg</image:loc>
			<image:title><![CDATA[student loan default]]></image:title>
			<image:caption><![CDATA[student loan default]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/Student-Loans-Don%E2%80%99t-Have-To-Ruin-Your-Life.png</image:loc>
			<image:caption><![CDATA[Avoid Student Loan Default Traps. So, whether you are a college student with student loans, a new graduate, or currently paying back your student loans, there are key things you should know. ]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/03/LendKey-Ads-1.jpg</image:loc>
			<image:title><![CDATA[FlexOffers - LendKey]]></image:title>
			<image:caption><![CDATA[FlexOffers - LendKey]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Avoid-Student-Loan-Default-Traps.png</image:loc>
			<image:caption><![CDATA[A step-by-step guide to help you avoid any student loan default traps. Written by someone who successfully paid off $81,000 in student loan debt. You can do it!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/why-i-chose-an-expensive-liberal-arts-college/</loc>
		<lastmod>2018-08-23T16:11:23-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/iStock_000043957796_Large.jpg</image:loc>
			<image:title><![CDATA[expensive liberal arts college]]></image:title>
			<image:caption><![CDATA[expensive liberal arts college]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Why-I-Chose-an-Expensive-Liberal-Arts-College.png</image:loc>
			<image:caption><![CDATA[I am a first-generation college student. Rather than going for a 'free ride" I chose a posh liberal arts school. Here's why.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/transportation/transportation-blogs/car-buying-no-need-to-get-physical/</loc>
		<lastmod>2018-08-23T16:12:45-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2015/10/iStock_000046060932_Large.jpg</image:loc>
			<image:title><![CDATA[how to buy a car]]></image:title>
			<image:caption><![CDATA[how to buy a car]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/financial-concerns-of-women/</loc>
		<lastmod>2018-08-23T16:16:21-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_21980207_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[happy family]]></image:title>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Financial-Concerns-Of-Women.png</image:loc>
			<image:caption><![CDATA[Woman have made some financial gains in yet face particular concerns as earning, being primary caregivers, and living longer than men.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/playing-catch-up-with-financial-education/</loc>
		<lastmod>2018-08-23T16:19:23-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/iStock_94033413_MEDIUM.jpg</image:loc>
			<image:title><![CDATA[financial education]]></image:title>
			<image:caption><![CDATA[financial education]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Why-Can%E2%80%99t-We-Teach-Young-Adults-About-Money1.png</image:loc>
			<image:caption><![CDATA[Teaching budgeting basics and simple concepts about how credit cards and student loans work is invaluable to young adults.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/will-public-service-loan-forgiveness-be-eliminated/</loc>
		<lastmod>2018-08-23T16:20:20-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_73747957_LARGE.jpg</image:loc>
			<image:title><![CDATA[PSLF or Public Service Loan forgiveness students]]></image:title>
			<image:caption><![CDATA[PSLF or Public Service Loan forgiveness students]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Will-Public-Service-Loan-Forgiveness-PSLF-Be-Eliminated.png</image:loc>
			<image:caption><![CDATA[Public Service Loan Forgiveness (PSLF) is a program that has helped many educated people who have or are committed to dedicate their working lives to public service. But there will be changes. Here's what you need to know.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/investing/investing-experts/top-seven-reasons-that-you-should-invest-in-individual-stocks/</loc>
		<lastmod>2018-08-23T16:27:53-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_86237085_LARGE.jpg</image:loc>
			<image:title><![CDATA[individual stocks]]></image:title>
			<image:caption><![CDATA[individual stocks]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Top-7-Reasons-To-Invest-In-Individual-Stocks.png</image:loc>
			<image:caption><![CDATA[There are very good reasons not to pursue average. Here are my top seven reasons to invest in individual stocks]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/07/Invest-4.95Border-970x300.jpg</image:loc>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/how-to-pay-for-private-school-even-when-youre-low-on-funds/</loc>
		<lastmod>2018-08-24T12:38:47-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/09/iStock-613213754.jpg</image:loc>
			<image:title><![CDATA[How to Pay for Private School, Even When You’re Low on Funds]]></image:title>
			<image:caption><![CDATA[How to Pay for Private School, Even When You’re Low on Funds]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2017/09/How-to-Pay-for-Private-School-Even-When-You%E2%80%99re-Low-on-Funds.png</image:loc>
			<image:caption><![CDATA[How to Pay for Private School, Even When You’re Low on Funds. You don't have to be rich to afford private education for your kid. One mom discusses how to pay for private school without breaking the bank.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/education/education-blogs/what-is-the-price-of-homeschooling/</loc>
		<lastmod>2018-08-27T10:28:01-04:00</lastmod>
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			<image:title><![CDATA[How Much Does Homeschooling Cost?]]></image:title>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/07/What-Is-The-Price-Of-Homeschooling.png</image:loc>
			<image:caption><![CDATA[In part three of her series on primary education, Jessica Ozar explores the cost, benefits, and potential negatives of homeschooling children.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/fha-mortgages-for-millennials-who-may-not-think-they-have-enough-cash-or-high-enough-credit-score-to-purchase-real-estate/</loc>
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			<image:title><![CDATA[Couple Saving Money]]></image:title>
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			<image:caption><![CDATA[FHA Mortgages for Millennials who May Not Think They Have Enough Cash or High Enough Credit Score to Purchase Real Estate]]></image:caption>
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		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/how-much-are-you-going-to-spend-on-an-engagement-ring/</loc>
		<lastmod>2018-08-27T10:48:28-04:00</lastmod>
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			<image:title><![CDATA[iStock_65635891_LARGE-1100x733_c]]></image:title>
			<image:caption><![CDATA[engagement ring]]></image:caption>
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			<image:caption><![CDATA[We can learn much from the financial experience of others. But we gain nothing from important financial conversations that we do not have - don't try to guess your partner's financial thoughts and desires!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/beyonces-lesson-pay-my-own-fun-oh-and-i-pay-my-own-bills/</loc>
		<lastmod>2018-08-27T10:51:49-04:00</lastmod>
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			<image:title><![CDATA[Beyonce-1100x733_c]]></image:title>
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		<image:image>
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			<image:caption><![CDATA[Beyonce's $ Lesson, 'Pay my own fun, oh and I pay my own bills.']]></image:caption>
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			<image:caption><![CDATA[Beyonce's $ Lesson, 'Pay my own fun, oh and I pay my own bills.' Beyonce is, well, Beyonce. But there is no reason why the same money smarts can't apply to you. It's all about mindset.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/financial-literacy/financial-literacy-blogs/halloween-candies-gave-me-my-first-real-taste-of-money/</loc>
		<lastmod>2018-08-27T10:52:32-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_103811815_LARGE.jpg</image:loc>
			<image:title><![CDATA[7 Ways Halloween Candy Gave Me A Real Taste For Money]]></image:title>
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			<image:caption><![CDATA[7 ways Halloween candy gave me a real taste for money. If you venture out on Halloween trick-or-treating escapades, you may come back home with a bag full of financial wisdom.]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/side-hustle/side-hustle-blogs/how-to-earn-10k-over-the-holidays/</loc>
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			<image:title><![CDATA[make money holidays]]></image:title>
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			<image:caption><![CDATA[Part-time hiring is at its peak right now, and if you play your cards right, your holiday season can be one of both giving and taking!]]></image:caption>
		</image:image>
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	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/eating-leftovers-i-paid-25k-of-student-loans-on-a-30k-salary/</loc>
		<lastmod>2018-08-27T11:01:59-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_88093745_LARGE.jpg</image:loc>
			<image:title><![CDATA[student loan payoff]]></image:title>
			<image:caption><![CDATA[student loan payoff]]></image:caption>
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			<image:caption><![CDATA[Even on a relatively low income, gaining financial freedom by the time you’re 45 is not an impossible dream. You just need focus.]]></image:caption>
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		<loc>https://new.centsai.com/blog/earn-money/side-hustle/side-hustle-blogs/19-ways-to-make-extra-cash-over-the-holidays-with-side-hustles/</loc>
		<lastmod>2018-08-27T11:08:35-04:00</lastmod>
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			<image:title><![CDATA[19 Ways To Make Extra Cash Over The Holidays With Side Hustles]]></image:title>
			<image:caption><![CDATA[19 Ways To Make Extra Cash Over The Holidays With Side Hustles]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/19-Ways-To-Make-Extra-Cash-Over-The-Holidays-With-Side-Hustles.png</image:loc>
			<image:caption><![CDATA[If you want to make some extra money each month...opportunities abound! Check out our listing for great side hustles.]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/lifestyle/lifestyle-blogs/9-ways-to-chill-out-for-cheap-this-winter/</loc>
		<lastmod>2018-08-27T11:13:24-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_57372660_LARGE.jpg</image:loc>
			<image:title><![CDATA[cheap winter travel]]></image:title>
			<image:caption><![CDATA[cheap winter travel]]></image:caption>
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			<image:caption><![CDATA[Being low on funds shouldn’t keep you from getting high on holiday spirit. Here are a few ways to enjoy the holidays without going broke.]]></image:caption>
		</image:image>
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		<loc>https://new.centsai.com/blog/life/student-loans/student-posts/student-loans-dont-have-to-ruin-your-life/</loc>
		<lastmod>2018-08-27T11:16:04-04:00</lastmod>
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			<image:title><![CDATA[Student Loans Don't Have to Ruin Your Life]]></image:title>
			<image:caption><![CDATA[Student Loans Don't Have to Ruin Your Life]]></image:caption>
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			<image:caption><![CDATA[8 Simple Ways To Crush Your Student Loan Debt]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/earn-money/entrepreneurship/entrepreneurship-blogs/why-a-dad-wants-his-tween-to-be-her-own-boss/</loc>
		<lastmod>2018-08-27T11:18:45-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_96847453_LARGE.jpg</image:loc>
			<image:title><![CDATA[daughter entrepreneur]]></image:title>
			<image:caption><![CDATA[it's never too early to be your own boss]]></image:caption>
		</image:image>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/Why-A-Dad-Wants-His-Tween-to-Be-Her-Own-Boss.png</image:loc>
			<image:caption><![CDATA[Putting digital skills to use early on can help tweens to learn, grow, and gain entrepreneurial experience. Why wouldn't we teach kids to be financially independent?]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-experts/are-his-bank-accounts-and-spending-habits-your-concern/</loc>
		<lastmod>2018-08-27T11:19:57-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_86712871_LARGE.jpg</image:loc>
			<image:title><![CDATA[Male barista standing at coffee shop]]></image:title>
			<image:caption><![CDATA[relationships and money]]></image:caption>
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			<image:caption><![CDATA[Relationships can be challenging without money issues. Bringing finance out into the open can help establish a solid foundation - or show that your caution flags were warranted.]]></image:caption>
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	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/cost-of-living/cost-of-living-blogs/is-paying-49-for-an-online-doc-snake-oil-or-smart-medicine/</loc>
		<lastmod>2018-08-27T11:36:20-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/10/iStock_76910843_LARGE.jpg</image:loc>
			<image:title><![CDATA[With New Online Services, You May Never Go to the Doctor Again!]]></image:title>
			<image:caption><![CDATA[With New Online Services, You May Never Go to the Doctor Again!]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/Is-Paying-49-For-An-Online-Doc-Snake-Oil-Or-Smart-Medicine.png</image:loc>
			<image:caption><![CDATA[Telemedicine gives you the power to summon doctors to appear on your home screen and give you a diagnosis —stat!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/what-you-need-to-know-about-health-insurance-if-youre-self-employed/</loc>
		<lastmod>2018-08-27T11:43:04-04:00</lastmod>
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			<image:title><![CDATA[What You Need To Know About Health Insurance If You're Self Employed]]></image:title>
			<image:caption><![CDATA[What You Need To Know About Health Insurance If You're Self Employed]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/What-You-Need-To-Know-About-Health-Insurance-If-You%E2%80%99re-Self-Employed.png</image:loc>
			<image:caption><![CDATA[I know some young, self-employed people who have considered paying this penalty instead of buying health insurance because of the high cost of the plans that are available.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/michelle-crushes-20001-in-debt-bye-felicia/</loc>
		<lastmod>2018-08-27T11:52:45-04:00</lastmod>
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			<image:title><![CDATA[The Day Our Debt Clock ($20,001) Was Reset to Zero!]]></image:title>
			<image:caption><![CDATA[The Day Our Debt Clock ($20,001) Was Reset to Zero!]]></image:caption>
		</image:image>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/Michelle-Crushes-20001-In-Debt%E2%80%A6Bye-Felicia.png</image:loc>
			<image:caption><![CDATA[At 8:02 PM we met our goal of paying down $20,001-worth of debt. Here’s looking back on nine very frugal months.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/holidays/holidays-blogs/careful-black-friday-deals-may-not-so-black-and-white/</loc>
		<lastmod>2018-08-27T12:19:29-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_43661252_LARGE-2.jpg</image:loc>
			<image:title><![CDATA[Careful: Black Friday Deals May Not So Black-and-White]]></image:title>
			<image:caption><![CDATA[Careful: Black Friday Deals May Not So Black-and-White]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/3-Tips-To-Rock-Your-Black-Friday-Shopping.png</image:loc>
			<image:caption><![CDATA[ Black Friday shopping is fun for some people. So if you're one of those people, go ahead and wait in your favorite line. I'll be the one sitting at home unless I'm saving more money than my time is worth.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/social-responsibility/social-responsibility-blogs/4-body-parts-you-can-donate/</loc>
		<lastmod>2018-08-27T12:28:27-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_89288057_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[4 Body Parts You Can Donate]]></image:title>
			<image:caption><![CDATA[4 Body Parts You Can Donate]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/technology/technology-blogs/5-apps-to-teach-kids-about-money/</loc>
		<lastmod>2018-08-27T12:32:03-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_95995061_LARGE.jpg</image:loc>
			<image:title><![CDATA[Five Good Apps to Teach Your Kids About Money]]></image:title>
			<image:caption><![CDATA[Five Good Apps to Teach Your Kids About Money]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/5-Apps-To-Teach-Kids-About-Money.png</image:loc>
			<image:caption><![CDATA[Want to teach your kids good money habits? One of these apps just may do the trick!]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/a-young-woman-on-why-she-dropped-obamacare/</loc>
		<lastmod>2018-08-27T12:43:12-04:00</lastmod>
		<image:image>
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			<image:title><![CDATA[One Young Woman Discusses Why She Got Out of Obamacare]]></image:title>
			<image:caption><![CDATA[One Young Woman Discusses Why She Got Out of Obamacare]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/A-Young-Woman-On-Why-She-Dropped-%E2%80%98Obamacare%E2%80%99.png</image:loc>
			<image:caption><![CDATA[Many people are caught between the rising cost of health insurance and the solution that was to be – 'Obamacare.' How is it working? You be the judge.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/my-struggle-to-find-a-job-is-anyone-hiring-a-wildlife-biologist/</loc>
		<lastmod>2018-08-27T12:46:13-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/My-Struggle-to-Find-A-Job.jpg</image:loc>
			<image:title><![CDATA[My-Struggle-to-Find-A-Job]]></image:title>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/08/My-Struggle-To-Find-A-Job-%E2%80%98Is-Anyone-Hiring-A-Wildlife-Biologist.png</image:loc>
			<image:caption><![CDATA[After graduating with a master's degree in wildlife biology, I encountered a problem that many graduates face: it was nearly impossible to find employment.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/eat-pray-and-pay-a-low-premium/</loc>
		<lastmod>2018-08-27T12:51:00-04:00</lastmod>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_94671949_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_94671949_LARGE-1100x733_c]]></image:title>
			<image:caption><![CDATA[christian healthcare ministries]]></image:caption>
		</image:image>
		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/Eat-Pray-And%E2%80%A6-Pay-A-Low-Premium.png</image:loc>
			<image:caption><![CDATA[With the cost of traditional health insurance rising, healthcare sharing ministries may be an option to consider.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/holidays/holidays-blogs/5-money-saving-apps-prevent-holiday-budget-snowballing-2/</loc>
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			<image:title><![CDATA[5 Money-Saving Apps to Prevent Your Holiday Budget from Snowballing]]></image:title>
			<image:caption><![CDATA[5 Money-Saving Apps to Prevent Your Holiday Budget from Snowballing]]></image:caption>
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			<image:caption><![CDATA[5 Money-Saving Apps to Prevent Your Holiday Budget from Snowballing. Aside from those practical strategies, we’ve also discovered a few apps and other digital solutions that help us to be smart about our holiday shopping. Here are a few that top our “nice” list:]]></image:caption>
		</image:image>
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		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/five-ways-to-focus-on-giving-not-spending-this-holiday-season/</loc>
		<lastmod>2018-08-27T13:02:04-04:00</lastmod>
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			<image:title><![CDATA[Five Ways to Focus on Giving (Not Spending) This Holiday Season]]></image:title>
			<image:caption><![CDATA[Five Ways to Focus on Giving (Not Spending) This Holiday Season]]></image:caption>
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			<image:caption><![CDATA[ 5 Ways To Give (Not Spend) This Holiday Season]]></image:caption>
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		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/what-is-faith-based-healthcare-and-do-i-qualify/</loc>
		<lastmod>2018-08-27T13:04:10-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_83877319_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_83877319_LARGE-1100x733_c]]></image:title>
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			<image:caption><![CDATA[There are a growing number of companies that offer health sharing plans, and many of these satisfy the requirement for health insurance. ]]></image:caption>
		</image:image>
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	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/5-frugal-holiday-celebration-tips/</loc>
		<lastmod>2018-08-27T13:08:00-04:00</lastmod>
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			<image:title><![CDATA[Money Doesn’t Grow on (Christmas) Trees: 5 Cheap Holiday Celebrations]]></image:title>
			<image:caption><![CDATA[Money Doesn’t Grow on (Christmas) Trees: 5 Cheap Holiday Celebrations]]></image:caption>
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			<image:caption><![CDATA[You don’t have to dig yourself into a financial hole to enjoy the holidays – and that doesn’t mean you have to be a hermit. Check out these five ways to enjoy the holiday season without breaking the bank]]></image:caption>
		</image:image>
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	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/6-tips-for-throwing-a-lit-frugal-holiday-party/</loc>
		<lastmod>2018-08-27T13:09:20-04:00</lastmod>
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			<image:caption><![CDATA[Six Tips For Throwing a Fun Holiday Party Under Budget]]></image:caption>
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			<image:caption><![CDATA[If you’re thinking of hosting a holiday party but don’t want to spend a lot of cash, don’t worry – you can manage it without looking cheap.]]></image:caption>
		</image:image>
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	<url>
		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/6-frugal-gift-giving-ideas/</loc>
		<lastmod>2018-08-27T13:09:55-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock-498794828.jpg</image:loc>
			<image:title><![CDATA[Have Kids? Plan Now to Survive Holiday Expenses!]]></image:title>
			<image:caption><![CDATA[Have Kids? Plan Now to Survive Holiday Expenses!]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/6-Frugal-Gift-Giving-Ideas.png</image:loc>
			<image:caption><![CDATA[Combine that with all the obligations of holiday parties and the expenses of gift giving when children have a wish list a mile long and even the nicest among us can turn into a Grinch.]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/asset-allocation-101-part-1/</loc>
		<lastmod>2018-08-27T13:11:33-04:00</lastmod>
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			<image:title><![CDATA[iStock_25277637_LARGE-1100x733_c]]></image:title>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/Asset-Allocation-101-Part-1.png</image:loc>
			<image:caption><![CDATA[Asset allocation is simply the mix of your investments as they relate to your total portfolio.]]></image:caption>
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		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/5-ways-to-consistently-keep-your-life-insurance-current/</loc>
		<lastmod>2018-08-27T13:24:16-04:00</lastmod>
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			<image:title><![CDATA[5 Ways to Consistently Keep Your Life Insurance Current]]></image:title>
			<image:caption><![CDATA[5 Ways to Consistently Keep Your Life Insurance Current]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/holidays/holidays-blogs/michelles-7-steps-to-enjoying-the-holiday-season-debt-free/</loc>
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			<image:title><![CDATA[iStock_75258567_LARGE-1100x733_c]]></image:title>
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			<image:caption><![CDATA[The time of giving is also the time for extreme budgeting to meet everyone’s expectations. Here's how to survive the holidays debt-free.]]></image:caption>
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		<loc>https://new.centsai.com/blog/earn-money/career/career-blogs/why-i-will-never-be-a-digital-nomad/</loc>
		<lastmod>2018-08-27T13:30:13-04:00</lastmod>
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			<image:title><![CDATA[iStock_36884948_LARGE-1100x733_c]]></image:title>
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			<image:caption><![CDATA[Digital nomads are people who use telecommunications technologies to work from anywhere, and they tend to do a lot of traveling. I feel like if I ever did become a digital nomad, I’d stick to road trips in the U.S. because I’m not too fond of flying.]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/life/cost-of-living/cost-of-living-blogs/4-quick-steps-to-slash-your-grocery-bills-in-half/</loc>
		<lastmod>2018-08-27T13:33:33-04:00</lastmod>
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			<image:title><![CDATA[Four Quick Steps to Slash Your Grocery Budget in Half]]></image:title>
			<image:caption><![CDATA[Four Quick Steps to Slash Your Grocery Budget in Half]]></image:caption>
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			<image:caption><![CDATA[You can save a lot of money if you get a tighter grip on what’s cooking. Here's my trick to saving dough on my grocery bills.]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/6-ways-to-make-your-financial-resolutions-stick/</loc>
		<lastmod>2018-08-27T13:43:46-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/iStock_91133923_LARGE-1100x733_c-1.jpg</image:loc>
			<image:title><![CDATA[iStock_91133923_LARGE-1100x733_c]]></image:title>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/6-Ways-To-Make-Your-Financial-Resolutions-Stick-5.png</image:loc>
			<image:caption><![CDATA[If you can take your financial resolutions and break them down into smaller sub-goals, you’ll have a much better chance of completing them.]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/smarter-money/experts/expert-blogs/why-student-debt-is-a-top-concern-among-financial-literacy-experts/</loc>
		<lastmod>2018-08-27T13:47:36-04:00</lastmod>
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			<image:title><![CDATA[iStock_84060045_LARGE-1100x733_c]]></image:title>
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			<image:caption><![CDATA[Student debt is a trillion-plus dollar problem and growing. The problem is not limited to young college students but impacts across society.]]></image:caption>
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			<image:title><![CDATA[FlexOffers - LendKey]]></image:title>
			<image:caption><![CDATA[FlexOffers - LendKey]]></image:caption>
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		<loc>https://new.centsai.com/blog/smarter-money/debt/debt-blogs/michelles-debt-payoff-derailed-but-not-dead/</loc>
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			<image:title><![CDATA[StockSnap_XW9QZIFGX0-1100x733_c]]></image:title>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/Michelle%E2%80%99s-Debt-Payoff-Derailed-But-Not-Dead-5.png</image:loc>
			<image:caption><![CDATA[Even a few dollars is better than nothing when it comes to debt payoff! This month, what can you do to pay off a little more?]]></image:caption>
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	<url>
		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/5-reasons-why-disability-insurance-is-a-must/</loc>
		<lastmod>2018-08-27T13:51:12-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/iStock-487630062.jpg</image:loc>
			<image:title><![CDATA[Why Disability Insurance Is Important: The Breakdown]]></image:title>
			<image:caption><![CDATA[Why Disability Insurance Is Important: The Breakdown - Why Is Disability Insurance Important?]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/5-Reasons-Why-Disability-Insurance-Is-A-Must-4.png</image:loc>
			<image:caption><![CDATA[Getting disability insurance is more important than you might think - one little fall could throw you off-balance.]]></image:caption>
		</image:image>
	</url>
	<url>
		<loc>https://new.centsai.com/blog/life/financial-hardship/financial-hardship-blogs/how-do-you-manage-your-money-when-youre-homeless/</loc>
		<lastmod>2018-08-27T14:00:19-04:00</lastmod>
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			<image:title><![CDATA[How Do You Manage Your Money When You're Homeless?]]></image:title>
			<image:caption><![CDATA[How Do You Manage Your Money When You're Homeless?]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/How-Do-You-Manage-Your-Money-When-You%E2%80%99re-Homeless-3.png</image:loc>
			<image:caption><![CDATA[Being homeless doesn't have to mean being hopeless. There are organizations out there to help homeless folks with what money they do have.]]></image:caption>
		</image:image>
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	<url>
		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/how-to-election-proof-your-finances-no-matter-whos-elected/</loc>
		<lastmod>2018-08-27T14:02:54-04:00</lastmod>
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			<image:title><![CDATA[How to Election-Proof Your Finances – No Matter Who's Elected]]></image:title>
			<image:caption><![CDATA[How to Election-Proof Your Finances – No Matter Who's Elected]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/5-Ways-To-Election-Proof-Your-Finances.png</image:loc>
			<image:caption><![CDATA[5 Ways To Election-Proof Your Finances. The man who sits in the White House can change your financial situation for better or for worse. It’s better to be prepared than surprised.]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/health-and-beauty/health-and-beauty-blogs/6-grocery-store-hacks-for-those-on-special-diets/</loc>
		<lastmod>2018-08-27T14:04:35-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_49037656_LARGE.jpg</image:loc>
			<image:title><![CDATA[How I Went Wheat-, Dairy-, &amp; Sugar-Free (Without Having to Rob a Bank)]]></image:title>
			<image:caption><![CDATA[How I Went Wheat-, Dairy-, &amp; Sugar-Free (Without Having to Rob a Bank)]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/6-Grocery-Store-Hacks-For-Those-On-Special-Diets-1.png</image:loc>
			<image:caption><![CDATA[Buying an overpriced gluten-free label is not smart when you can find cheaper substitutes that work for your diet.]]></image:caption>
		</image:image>
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		<loc>https://new.centsai.com/blog/smarter-money/credit-cards/credit-cards-blogs/is-a-prepaid-debit-card-the-right-choice-for-you/</loc>
		<lastmod>2018-08-27T14:06:27-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock_42409530_LARGE.jpg</image:loc>
			<image:title><![CDATA[Is A Prepaid Debit Card the Right Choice For You?]]></image:title>
			<image:caption><![CDATA[Is A Prepaid Debit Card the Right Choice For You?]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/Is-A-Prepaid-Debit-Card-the-Right-Choice-For-You.png</image:loc>
			<image:caption><![CDATA[Either way, a prepaid debit card may be a viable option. In most cases, they can be used anywhere that major credit cards are accepted, but your total expenditures will be limited to the amount deposited onto the card.]]></image:caption>
		</image:image>
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		<loc>https://new.centsai.com/blog/save-money/financial-planning/financial-planning-blogs/blogger-vs-blogger-budget-or-be-lazy/</loc>
		<lastmod>2018-08-27T14:07:00-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/iStock-171336269.jpg</image:loc>
			<image:title><![CDATA[lazy savings]]></image:title>
			<image:caption><![CDATA[lazy savings]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/Blogger-V.-Blogger-Budget-Or-Be-Lazy.png</image:loc>
			<image:caption><![CDATA[Blogger V. Blogger: Budget Or Be Lazy?Autopay for everything on payday if you want to take it easy. This blogger encourages you to automate then be lazy with the rest. Do you agree?]]></image:caption>
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		<loc>https://new.centsai.com/blog/save-money/frugality/frugality-blogs/participate-national-marches-without-going-broke/</loc>
		<lastmod>2018-08-27T14:07:55-04:00</lastmod>
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			<image:title><![CDATA[How to Participate in National Marches Without Going Broke]]></image:title>
			<image:caption><![CDATA[How to Participate in National Marches Without Going Broke]]></image:caption>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/How-To-Participate-In-National-Marches-Without-Going-Broke-1.png</image:loc>
			<image:caption><![CDATA[Marching for your cause is a good way to participate in active democracy. Here's how you can get involved without going broke...]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/relationships-and-money/relationships-and-money-blogs/as-a-bridesmaid-i-will-be-spending-more-than-i-did-as-a-bride/</loc>
		<lastmod>2018-08-27T14:58:42-04:00</lastmod>
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			<image:loc>https://new.centsai.com/wp-content/uploads/2016/11/StockSnap_T5ZR7KSJZQ.jpg</image:loc>
			<image:title><![CDATA[As a Bridesmaid, I Will Be Spending More Than I Did as a Bride]]></image:title>
			<image:caption><![CDATA[As a Bridesmaid, I Will Be Spending More Than I Did as a Bride]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/As-a-Bridesmaid-I-Will-Be-Spending-More-Than-I-Did-as-a-Bride.png</image:loc>
			<image:caption><![CDATA[Forget the cost of your own wedding – just being another bride or groom's guest is costly enough.]]></image:caption>
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		<loc>https://new.centsai.com/blog/smarter-money/insurance/insurance-blogs/why-the-us-financial-system-is-bizarre-to-foreigners/</loc>
		<lastmod>2018-08-27T15:01:36-04:00</lastmod>
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			<image:title><![CDATA[Most of My Customers Never Had a Checking Account!]]></image:title>
			<image:caption><![CDATA[Immigrants &amp; Money: Most of My Customers Never Had a Checking Account!]]></image:caption>
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		<image:image>
			<image:loc>https://new.centsai.com/wp-content/uploads/2016/12/Why-The-US-Financial-System-is-Bizarre-To-Foreigners.png</image:loc>
			<image:caption><![CDATA[So for people arriving or new in the country, here are a few tips that may ease your confusion why the US financial system is bizarre to foreigners.]]></image:caption>
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		<loc>https://new.centsai.com/blog/life/financial-hardship/financial-hardship-blogs/feeling-down-about-your-money-sitch-gets-you-nowhere/</loc>
		<lastmod>2018-08-27T15:03:00-04:00</lastmod>
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			<image:title><![CDATA[Financial Disaster: What Do You Do When Nothing Seems to Go Right?]]></image:title>
			<image:caption><![CDATA[Financial Disaster: What Do You Do When Nothing Seems to Go Right?]]></image:caption>
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			<image:caption><![CDATA[Why Feeling Down About Your Money Sitch Gets You Nowhere? You need a “get out” strategy when you are deep in financial woes. Here are a few tips to help you along your way to recovery.]]></image:caption>
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