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	<title>Comments on: Personal Finance and the Fundamental Choice</title>
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	<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Colin Joss</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-165881</link>
		<dc:creator>Colin Joss</dc:creator>
		<pubDate>Mon, 28 Jan 2008 06:04:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-165881</guid>
		<description><![CDATA[daydreamr,

I just remember on my youth, so I really need to remind you that experience is still the best teacher. You don&#039;t have to crash financially, but increasing financial pressures with some wisdom to follow, can also deliver same result, so you shouldn&#039;t worry to much about it.

Colin Joss
East Lothian, Haddington
United Kingdom]]></description>
		<content:encoded><![CDATA[<p>daydreamr,</p>
<p>I just remember on my youth, so I really need to remind you that experience is still the best teacher. You don&#8217;t have to crash financially, but increasing financial pressures with some wisdom to follow, can also deliver same result, so you shouldn&#8217;t worry to much about it.</p>
<p>Colin Joss<br />
East Lothian, Haddington<br />
United Kingdom</p>
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	</item>
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		<title>By: Colin Joss</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-164379</link>
		<dc:creator>Colin Joss</dc:creator>
		<pubDate>Sat, 26 Jan 2008 02:22:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-164379</guid>
		<description><![CDATA[daydreamer,

A small suggestion for you, based on my past successful effort to click on my fundamental choice into workable frugality..

If your BF likes simplicity, then you can start telling the benefit of that.. in addition to the love for simplicity, you could try to motivate for money.. Something like uncle scrooges of donald duck, prefer to swim in his unspent coins instead to buying him self a new hat.]]></description>
		<content:encoded><![CDATA[<p>daydreamer,</p>
<p>A small suggestion for you, based on my past successful effort to click on my fundamental choice into workable frugality..</p>
<p>If your BF likes simplicity, then you can start telling the benefit of that.. in addition to the love for simplicity, you could try to motivate for money.. Something like uncle scrooges of donald duck, prefer to swim in his unspent coins instead to buying him self a new hat.</p>
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		<title>By: daydreamr</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-163519</link>
		<dc:creator>daydreamr</dc:creator>
		<pubDate>Fri, 25 Jan 2008 03:32:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-163519</guid>
		<description><![CDATA[Choosing to live a frugal life is very much like following a religion. The fundamental values one adopts/incorporates into their lives is like a code of ethics. There are times when you must compromise the frugal choices. Sometimes it&#039;s a choice that is more frugal in the long run. Other times, it&#039;s a lesson that can be learned from.

As a frugal person, I am trying to teach my BF some principals of frugal living or at least how to make better choices. He just recieved a lump sum (a couple grand) and it&#039;s burning a hole in his pocket. He keeps asking my opinion about various things he could buy...mostly luxurious items, upgrades of things he has that work perfectly fine. 

I&#039;m trying to show him by example but he&#039;s gonna have to flip that switch, make that choice. If it were me, I&#039;d take @ least 1/2 the money and put it away. Probably more. I&#039;d also sit down and take an honest look @ what I really need, say a new winter coat, boots, and new socks. Set a limit of what I will spend and, put the rest in the vault. 

Having a fundamental frugal attitude, I think it would be hard to live the rest of my life with someone who is stuck in their ways-spending $ on all the wants. One thing that bugs me the most is the daily coffee and take out. I think it would actually be better to spend a lump sum on a frivolous item and have something to show for than an empty pocket and a pot-belly. 

Great post. Any suggestions on how to turn a chronic spender into a tight wad???]]></description>
		<content:encoded><![CDATA[<p>Choosing to live a frugal life is very much like following a religion. The fundamental values one adopts/incorporates into their lives is like a code of ethics. There are times when you must compromise the frugal choices. Sometimes it&#8217;s a choice that is more frugal in the long run. Other times, it&#8217;s a lesson that can be learned from.</p>
<p>As a frugal person, I am trying to teach my BF some principals of frugal living or at least how to make better choices. He just recieved a lump sum (a couple grand) and it&#8217;s burning a hole in his pocket. He keeps asking my opinion about various things he could buy&#8230;mostly luxurious items, upgrades of things he has that work perfectly fine. </p>
<p>I&#8217;m trying to show him by example but he&#8217;s gonna have to flip that switch, make that choice. If it were me, I&#8217;d take @ least 1/2 the money and put it away. Probably more. I&#8217;d also sit down and take an honest look @ what I really need, say a new winter coat, boots, and new socks. Set a limit of what I will spend and, put the rest in the vault. </p>
<p>Having a fundamental frugal attitude, I think it would be hard to live the rest of my life with someone who is stuck in their ways-spending $ on all the wants. One thing that bugs me the most is the daily coffee and take out. I think it would actually be better to spend a lump sum on a frivolous item and have something to show for than an empty pocket and a pot-belly. </p>
<p>Great post. Any suggestions on how to turn a chronic spender into a tight wad???</p>
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		<title>By: Lisa Spinelli</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-163458</link>
		<dc:creator>Lisa Spinelli</dc:creator>
		<pubDate>Fri, 25 Jan 2008 01:59:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-163458</guid>
		<description><![CDATA[Thanks for the reflective insite.  You sound like someone who is very introspective.  I have been asking these same sorts of questions in the context not just of frugality, but of my responsibility as a human being to other human beings (and animals, too).  Like, can I afford to pay a little more for the free range chicken eggs?  Tough questions when one is trying to be frugal.]]></description>
		<content:encoded><![CDATA[<p>Thanks for the reflective insite.  You sound like someone who is very introspective.  I have been asking these same sorts of questions in the context not just of frugality, but of my responsibility as a human being to other human beings (and animals, too).  Like, can I afford to pay a little more for the free range chicken eggs?  Tough questions when one is trying to be frugal.</p>
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		<title>By: AnKa</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162966</link>
		<dc:creator>AnKa</dc:creator>
		<pubDate>Thu, 24 Jan 2008 13:54:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162966</guid>
		<description><![CDATA[This makes so much sense! I bet it applied to dieting/changing your eating habits as well. I wish I could make that fundamental switch already :)]]></description>
		<content:encoded><![CDATA[<p>This makes so much sense! I bet it applied to dieting/changing your eating habits as well. I wish I could make that fundamental switch already :)</p>
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		<title>By: Colin Joss</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162660</link>
		<dc:creator>Colin Joss</dc:creator>
		<pubDate>Thu, 24 Jan 2008 03:38:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162660</guid>
		<description><![CDATA[What a heavy article. I&#039;ve to read it 3 times before I can understand it, but it does make me thinking again to review my fundamental choices.

Thank&#039;s

Colin Joss
East Lothian, Haddington
United Kingdom]]></description>
		<content:encoded><![CDATA[<p>What a heavy article. I&#8217;ve to read it 3 times before I can understand it, but it does make me thinking again to review my fundamental choices.</p>
<p>Thank&#8217;s</p>
<p>Colin Joss<br />
East Lothian, Haddington<br />
United Kingdom</p>
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		<title>By: Paul Bauer</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162546</link>
		<dc:creator>Paul Bauer</dc:creator>
		<pubDate>Wed, 23 Jan 2008 23:45:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162546</guid>
		<description><![CDATA[Great Post Trent,

Read Fritz&#039;s book several years ago and loved its clarity.

Our fundamental choice affects nearly everything we do and build the intent that creates results in our lives (and others).

To Your Dreams And To Your Abundance,

Paul Bauer
www.dreamsalive.com]]></description>
		<content:encoded><![CDATA[<p>Great Post Trent,</p>
<p>Read Fritz&#8217;s book several years ago and loved its clarity.</p>
<p>Our fundamental choice affects nearly everything we do and build the intent that creates results in our lives (and others).</p>
<p>To Your Dreams And To Your Abundance,</p>
<p>Paul Bauer<br />
<a href="http://www.dreamsalive.com" rel="nofollow">http://www.dreamsalive.com</a></p>
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		<title>By: Gayle</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162376</link>
		<dc:creator>Gayle</dc:creator>
		<pubDate>Wed, 23 Jan 2008 16:51:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162376</guid>
		<description><![CDATA[Once you are able to determine a set of foundational principles that define who you are, it sets aside a whole bunch of choices/issues and gives you much more ability to focus.

Well said tubaman.]]></description>
		<content:encoded><![CDATA[<p>Once you are able to determine a set of foundational principles that define who you are, it sets aside a whole bunch of choices/issues and gives you much more ability to focus.</p>
<p>Well said tubaman.</p>
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		<title>By: tubaman-z</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162286</link>
		<dc:creator>tubaman-z</dc:creator>
		<pubDate>Wed, 23 Jan 2008 14:29:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162286</guid>
		<description><![CDATA[Once you are able to determine a set of foundational principles that define who you are, it sets aside a whole bunch of choices/issues and gives you much more ability to focus.  My church had been considering whether, given our growth, we should relocate to a larger campus with everything that entails, or stay in place and support growth through multiplication (church plants).  We chose the latter - which was very freeing and has enabled a much stronger focus.  I&#039;ve had the same transformational experience a number of times in my life.  In my case the foundational principles haven&#039;t changed as much as they have been refined situationally (getting married - 21 years now, starting a career, having a child, my faith).  To some extent I&#039;ve always been a frugal person, but when I actually recognized and understood that aspect of who I am it allowed me to move forward with more confidence in my financial decisions.  It&#039;s less of an internal struggle and a lot more fun!

Great blog Trent!]]></description>
		<content:encoded><![CDATA[<p>Once you are able to determine a set of foundational principles that define who you are, it sets aside a whole bunch of choices/issues and gives you much more ability to focus.  My church had been considering whether, given our growth, we should relocate to a larger campus with everything that entails, or stay in place and support growth through multiplication (church plants).  We chose the latter &#8211; which was very freeing and has enabled a much stronger focus.  I&#8217;ve had the same transformational experience a number of times in my life.  In my case the foundational principles haven&#8217;t changed as much as they have been refined situationally (getting married &#8211; 21 years now, starting a career, having a child, my faith).  To some extent I&#8217;ve always been a frugal person, but when I actually recognized and understood that aspect of who I am it allowed me to move forward with more confidence in my financial decisions.  It&#8217;s less of an internal struggle and a lot more fun!</p>
<p>Great blog Trent!</p>
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		<title>By: Mike Stankavich</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162261</link>
		<dc:creator>Mike Stankavich</dc:creator>
		<pubDate>Wed, 23 Jan 2008 14:02:25 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-162261</guid>
		<description><![CDATA[Trent, this is a great post.  I believe that making and committing to this sort of fundamental value choice helps you to immediately deflect those little temptations that come up in your stream of consciousness.  Having a clearly identified and committed value decision to refer to is a great enabler of Covey&#039;s principle of integrity in the moment of choice.

I found this principle to be very helpful when I quit smoking.  Approaching quitting with attitudes such as &quot;trying to quit&quot;, &quot;cutting down&quot; and the like just didn&#039;t work for me.  I came to realize that I was visualizing myself as a deprived smoker.  When I was able to flip the switch in my head from smoker to non-smoker, that made all the difference for me.  Whenever I would think of having a cigarette, I would immediately respond to that thought with the thought that I am a non-smoker, which went a long way toward defusing that desire for a cigarette.  I know that doesn&#039;t address the physical addiction, but in my case, the physical desire to smoke was secondary to the psychological addiction.]]></description>
		<content:encoded><![CDATA[<p>Trent, this is a great post.  I believe that making and committing to this sort of fundamental value choice helps you to immediately deflect those little temptations that come up in your stream of consciousness.  Having a clearly identified and committed value decision to refer to is a great enabler of Covey&#8217;s principle of integrity in the moment of choice.</p>
<p>I found this principle to be very helpful when I quit smoking.  Approaching quitting with attitudes such as &#8220;trying to quit&#8221;, &#8220;cutting down&#8221; and the like just didn&#8217;t work for me.  I came to realize that I was visualizing myself as a deprived smoker.  When I was able to flip the switch in my head from smoker to non-smoker, that made all the difference for me.  Whenever I would think of having a cigarette, I would immediately respond to that thought with the thought that I am a non-smoker, which went a long way toward defusing that desire for a cigarette.  I know that doesn&#8217;t address the physical addiction, but in my case, the physical desire to smoke was secondary to the psychological addiction.</p>
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		<title>By: JT</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161970</link>
		<dc:creator>JT</dc:creator>
		<pubDate>Wed, 23 Jan 2008 05:03:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161970</guid>
		<description><![CDATA[Another great post.  The funny thing was, when the switch went off in my head, I found that some people around me didn&#039;t get it.  They still wanted me to go out and spend money the same way I always had.  I found that the best part of that switch going off really didn&#039;t have as much to do with money as it did finding out what was really important to you in your life.  Some &quot;friends&quot; that I used to hang with aren&#039;t friends anymore.  I guess that means the friendships weren&#039;t really based on anything meaningful, so it doesn&#039;t bother me much.  I do think about how much my life has changed since the simple flip of a switch.  Now everything I choose to do and the people I do it with are because I really value and prioritize them...a much more meaningful way to go through your life.]]></description>
		<content:encoded><![CDATA[<p>Another great post.  The funny thing was, when the switch went off in my head, I found that some people around me didn&#8217;t get it.  They still wanted me to go out and spend money the same way I always had.  I found that the best part of that switch going off really didn&#8217;t have as much to do with money as it did finding out what was really important to you in your life.  Some &#8220;friends&#8221; that I used to hang with aren&#8217;t friends anymore.  I guess that means the friendships weren&#8217;t really based on anything meaningful, so it doesn&#8217;t bother me much.  I do think about how much my life has changed since the simple flip of a switch.  Now everything I choose to do and the people I do it with are because I really value and prioritize them&#8230;a much more meaningful way to go through your life.</p>
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		<title>By: Susan</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161899</link>
		<dc:creator>Susan</dc:creator>
		<pubDate>Wed, 23 Jan 2008 02:08:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161899</guid>
		<description><![CDATA[I like this post.  I think making that fundamental choice is necessary anytime you&#039;re looking to change yourself.  After years of being miserable at my job, I finally had enough and decided to do something about it and not stop until I found it. That epiphany moment is necessary to find the drive to change. Without it, you&#039;re sort of stuck and hoping for something to change.
www.theinnovativetraveler.com]]></description>
		<content:encoded><![CDATA[<p>I like this post.  I think making that fundamental choice is necessary anytime you&#8217;re looking to change yourself.  After years of being miserable at my job, I finally had enough and decided to do something about it and not stop until I found it. That epiphany moment is necessary to find the drive to change. Without it, you&#8217;re sort of stuck and hoping for something to change.<br />
<a href="http://www.theinnovativetraveler.com" rel="nofollow">http://www.theinnovativetraveler.com</a></p>
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		<title>By: jana</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161889</link>
		<dc:creator>jana</dc:creator>
		<pubDate>Wed, 23 Jan 2008 01:48:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161889</guid>
		<description><![CDATA[very nicely put - and i agree with heidiwho said you can talk about quite philosophical things in a very easy understandable way.

intreresting you said it fels like you were a different person nefore the switch&quot;]]></description>
		<content:encoded><![CDATA[<p>very nicely put &#8211; and i agree with heidiwho said you can talk about quite philosophical things in a very easy understandable way.</p>
<p>intreresting you said it fels like you were a different person nefore the switch&#8221;</p>
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		<title>By: Ron@TheWisdomJournal</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161884</link>
		<dc:creator>Ron@TheWisdomJournal</dc:creator>
		<pubDate>Wed, 23 Jan 2008 01:38:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161884</guid>
		<description><![CDATA[You know, it can take up to three years (or more) to develop a new habit, depending on how deeply entrenched your were in your old ways. 

Unless...

Unless there is a shocking, usually emotional event or inspiration that comes along. I&#039;ve known people who tried to lose weight and get fit for years, to no avail. Then, after a mild heart attack or a blunt statement from their doctor about dying young, they suddenly &quot;flip the switch.&quot; People say that &quot;everything changed&quot; at that moment. No, no &quot;thing&quot; changed, &quot;YOU&quot; changed. Until people really change on the inside, their outside world won&#039;t change at all. Positive changes come from the inside.

Great post, Trent.]]></description>
		<content:encoded><![CDATA[<p>You know, it can take up to three years (or more) to develop a new habit, depending on how deeply entrenched your were in your old ways. </p>
<p>Unless&#8230;</p>
<p>Unless there is a shocking, usually emotional event or inspiration that comes along. I&#8217;ve known people who tried to lose weight and get fit for years, to no avail. Then, after a mild heart attack or a blunt statement from their doctor about dying young, they suddenly &#8220;flip the switch.&#8221; People say that &#8220;everything changed&#8221; at that moment. No, no &#8220;thing&#8221; changed, &#8220;YOU&#8221; changed. Until people really change on the inside, their outside world won&#8217;t change at all. Positive changes come from the inside.</p>
<p>Great post, Trent.</p>
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		<title>By: Darrell</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161853</link>
		<dc:creator>Darrell</dc:creator>
		<pubDate>Wed, 23 Jan 2008 00:38:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161853</guid>
		<description><![CDATA[Great post!  We too had that moment of epiphany in which we had to turn away from no longer caring and began making decisions to reduce our debt.  It is far from an easy road, but a very necessary one.]]></description>
		<content:encoded><![CDATA[<p>Great post!  We too had that moment of epiphany in which we had to turn away from no longer caring and began making decisions to reduce our debt.  It is far from an easy road, but a very necessary one.</p>
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		<title>By: Shan-Oh</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161848</link>
		<dc:creator>Shan-Oh</dc:creator>
		<pubDate>Wed, 23 Jan 2008 00:34:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161848</guid>
		<description><![CDATA[Hi Trent, just wanted to say thank you, for all the great articles and ideas.  Don&#039;t know if it helps you or motivates you at all, but I wanted to let you know you&#039;ve touched my life, all the way up here in Alaska :)  Keep it coming, I check your site every day over my frugally made at home cup of coffee!]]></description>
		<content:encoded><![CDATA[<p>Hi Trent, just wanted to say thank you, for all the great articles and ideas.  Don&#8217;t know if it helps you or motivates you at all, but I wanted to let you know you&#8217;ve touched my life, all the way up here in Alaska :)  Keep it coming, I check your site every day over my frugally made at home cup of coffee!</p>
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		<title>By: Lorraine</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161823</link>
		<dc:creator>Lorraine</dc:creator>
		<pubDate>Tue, 22 Jan 2008 23:42:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161823</guid>
		<description><![CDATA[Trent

It always seems a bit pointless to post an agreement - but I agree!  I think an important thing for me when the &#039;switch&#039; went on was it gave me permission and freedom to turn from the &#039;dark side&#039; and more pertinently, not &#039;care&#039; how odd others found my &#039;new ways&#039;.  But the most important thing of all??  Modelling behaviour for my children that will last them a lifetime and allow them to be confident from the inside out, not fodder for marketing gurus and less susceptible to a world of rank consumerism.

And that is some gift.

Lorraine]]></description>
		<content:encoded><![CDATA[<p>Trent</p>
<p>It always seems a bit pointless to post an agreement &#8211; but I agree!  I think an important thing for me when the &#8216;switch&#8217; went on was it gave me permission and freedom to turn from the &#8216;dark side&#8217; and more pertinently, not &#8216;care&#8217; how odd others found my &#8216;new ways&#8217;.  But the most important thing of all??  Modelling behaviour for my children that will last them a lifetime and allow them to be confident from the inside out, not fodder for marketing gurus and less susceptible to a world of rank consumerism.</p>
<p>And that is some gift.</p>
<p>Lorraine</p>
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		<title>By: TheJeffe</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161753</link>
		<dc:creator>TheJeffe</dc:creator>
		<pubDate>Tue, 22 Jan 2008 21:45:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161753</guid>
		<description><![CDATA[I have always been a frugal person.  but as the days go by in my new marriage I find that my wife is not as frugal as I am.  Sometimes this gets us into an argument.  It would be great to have a post about how to encourage the switch of frugality to switch in a love ones head.  I can&#039;t afford to have a financial melt down before we flip the switch!]]></description>
		<content:encoded><![CDATA[<p>I have always been a frugal person.  but as the days go by in my new marriage I find that my wife is not as frugal as I am.  Sometimes this gets us into an argument.  It would be great to have a post about how to encourage the switch of frugality to switch in a love ones head.  I can&#8217;t afford to have a financial melt down before we flip the switch!</p>
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		<title>By: Trent</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161742</link>
		<dc:creator>Trent</dc:creator>
		<pubDate>Tue, 22 Jan 2008 21:30:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161742</guid>
		<description><![CDATA[The diaper comment seems random, but I&#039;ll answer it: when we had our first child, we lived in a very small apartment without a washer and dryer, making cloth diapering a very significant challenge.  We also calculated that with just one child, disposables are slightly cheaper - the cloth savings don&#039;t kick in until child #2.  When our second child came, we had a house but were very, very unsure that we would have a third child, so we stuck with disposables.  We&#039;re still pretty unsure about more children.]]></description>
		<content:encoded><![CDATA[<p>The diaper comment seems random, but I&#8217;ll answer it: when we had our first child, we lived in a very small apartment without a washer and dryer, making cloth diapering a very significant challenge.  We also calculated that with just one child, disposables are slightly cheaper &#8211; the cloth savings don&#8217;t kick in until child #2.  When our second child came, we had a house but were very, very unsure that we would have a third child, so we stuck with disposables.  We&#8217;re still pretty unsure about more children.</p>
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		<title>By: EmilyHarperMama</title>
		<link>http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161740</link>
		<dc:creator>EmilyHarperMama</dc:creator>
		<pubDate>Tue, 22 Jan 2008 21:22:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/01/22/personal-finance-and-the-fundamental-choice/#comment-161740</guid>
		<description><![CDATA[Trent,

Sorry, I&#039;m a lurker, but I had to comment here- hope you don&#039;t mind. I&#039;m surprised that with your frugal and ethic-conscious ways you guys are still using disposable diapers. We started out on reusable cloth and would never go back. They&#039;ve made some incredible leaps and bounds in cloth diaper technology in recent years. Worth a look! And for the record, you don&#039;t have to switch whole hog. We still use disposables for traveling and when I forget to do that *extra* load of laundry during the week. 

Just a thought :)]]></description>
		<content:encoded><![CDATA[<p>Trent,</p>
<p>Sorry, I&#8217;m a lurker, but I had to comment here- hope you don&#8217;t mind. I&#8217;m surprised that with your frugal and ethic-conscious ways you guys are still using disposable diapers. We started out on reusable cloth and would never go back. They&#8217;ve made some incredible leaps and bounds in cloth diaper technology in recent years. Worth a look! And for the record, you don&#8217;t have to switch whole hog. We still use disposables for traveling and when I forget to do that *extra* load of laundry during the week. </p>
<p>Just a thought :)</p>
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