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	<title>Comments on: Never Underestimate (or Overestimate) Small Savings or Income Opportunities</title>
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	<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/</link>
	<description>Investing and Personal Finance</description>
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		<title>By: Lex</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-53455</link>
		<dc:creator>Lex</dc:creator>
		<pubDate>Sun, 27 Dec 2009 13:38:35 +0000</pubDate>
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		<description>It&#039;s like the old saying that no single raindrop believed itself responsible for the flood..... a significant amount is made up of many insignificant amounts - and most people consider it beneath them to add up the small amounts that are effortlessly saved.

http://www.money-while-you-sleep.biz/50-ways-to-save-money.html</description>
		<content:encoded><![CDATA[<p>It&#8217;s like the old saying that no single raindrop believed itself responsible for the flood&#8230;.. a significant amount is made up of many insignificant amounts &#8211; and most people consider it beneath them to add up the small amounts that are effortlessly saved.</p>
<p><a href="http://www.money-while-you-sleep.biz/50-ways-to-save-money.html" rel="nofollow">http://www.money-while-you-sleep.biz/50-ways-to-save-money.html</a></p>
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		<title>By: Fière d&#8217;être Canadienne/ Proud to Be Canadian - Best Canadian Personal Finance Blogs Edition &#124; MoneyEnergy</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-21844</link>
		<dc:creator>Fière d&#8217;être Canadienne/ Proud to Be Canadian - Best Canadian Personal Finance Blogs Edition &#124; MoneyEnergy</dc:creator>
		<pubDate>Wed, 01 Jul 2009 05:36:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-21844</guid>
		<description>[...] finance blogs - that includes yours truly.  Thanks, Mike! Check out one of his recent posts: Never Underestimate (or Overestimate) Savings or Income Opportunities.  Mike is &#8220;mostly a passive investor - broad-based ETFs for me.  Some dividend stocks - [...]</description>
		<content:encoded><![CDATA[<p>[...] finance blogs &#8211; that includes yours truly.  Thanks, Mike! Check out one of his recent posts: Never Underestimate (or Overestimate) Savings or Income Opportunities.  Mike is &#8220;mostly a passive investor &#8211; broad-based ETFs for me.  Some dividend stocks &#8211; [...]</p>
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		<title>By: Link Round-up - My New Job Edition &#124; Do You Dave Ramsey?</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-17574</link>
		<dc:creator>Link Round-up - My New Job Edition &#124; Do You Dave Ramsey?</dc:creator>
		<pubDate>Fri, 29 May 2009 11:03:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-17574</guid>
		<description>[...] Four Pillars shares great perspective for assessing new income and savings opportunities. [...]</description>
		<content:encoded><![CDATA[<p>[...] Four Pillars shares great perspective for assessing new income and savings opportunities. [...]</p>
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		<title>By: Do You Dave Ramsey?</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-16977</link>
		<dc:creator>Do You Dave Ramsey?</dc:creator>
		<pubDate>Tue, 26 May 2009 13:38:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-16977</guid>
		<description>Great perspective here.  We&#039;re so often confronted with a great idea or plan but we&#039;re blinded to it because of our existing mindsets - that&#039;s why Money Ball remains one of my favorite books.

If we break our finiances out as you&#039;ve suggested we&#039;re likely to not only reevaluate income/saving opportunities but also the expenses that do consume our budget.  In your example... hey, do I really need this huge car payment now that I see how it impacts my free time budget?!?

Thanks for sharing, this is a powerful post.

Dave</description>
		<content:encoded><![CDATA[<p>Great perspective here.  We&#8217;re so often confronted with a great idea or plan but we&#8217;re blinded to it because of our existing mindsets &#8211; that&#8217;s why Money Ball remains one of my favorite books.</p>
<p>If we break our finiances out as you&#8217;ve suggested we&#8217;re likely to not only reevaluate income/saving opportunities but also the expenses that do consume our budget.  In your example&#8230; hey, do I really need this huge car payment now that I see how it impacts my free time budget?!?</p>
<p>Thanks for sharing, this is a powerful post.</p>
<p>Dave</p>
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		<title>By: Carnival of Personal Finance # 206: The Memorial Day Stars and Stripes Edition &#124; Greener Pastures: Personal Finance</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-16845</link>
		<dc:creator>Carnival of Personal Finance # 206: The Memorial Day Stars and Stripes Edition &#124; Greener Pastures: Personal Finance</dc:creator>
		<pubDate>Mon, 25 May 2009 09:59:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-16845</guid>
		<description>[...] from Four Pillars presents Never underestimate (or overestimate) small savings or income, and says, &#8220;Compare savings to your disposable income to get a better idea is it&#8217;s [...]</description>
		<content:encoded><![CDATA[<p>[...] from Four Pillars presents Never underestimate (or overestimate) small savings or income, and says, &#8220;Compare savings to your disposable income to get a better idea is it&#8217;s [...]</p>
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		<title>By: Roundup - Baby Shower Edition &#124; Cash Money Life</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-16836</link>
		<dc:creator>Roundup - Baby Shower Edition &#124; Cash Money Life</dc:creator>
		<pubDate>Mon, 25 May 2009 02:46:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-16836</guid>
		<description>[...] Never Underestimate (or Overestimate) Small Savings or Income Opportunities. (@ Four Pillars) [...]</description>
		<content:encoded><![CDATA[<p>[...] Never Underestimate (or Overestimate) Small Savings or Income Opportunities. (@ Four Pillars) [...]</p>
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		<title>By: JerryB</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-16824</link>
		<dc:creator>JerryB</dc:creator>
		<pubDate>Sun, 24 May 2009 23:16:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-16824</guid>
		<description>My take home pay after taxes, 401k, medical, etc. is roughly US$15/hr. If something will save or earn me more than that for an hour&#039;s effort or cost I will happily do it.  For example a programmable thermostat costs less than $30 and takes all of half an hour to install. The savings in one year would pay for it and then some.</description>
		<content:encoded><![CDATA[<p>My take home pay after taxes, 401k, medical, etc. is roughly US$15/hr. If something will save or earn me more than that for an hour&#8217;s effort or cost I will happily do it.  For example a programmable thermostat costs less than $30 and takes all of half an hour to install. The savings in one year would pay for it and then some.</p>
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		<title>By: The Strump</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-16818</link>
		<dc:creator>The Strump</dc:creator>
		<pubDate>Sun, 24 May 2009 21:07:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-16818</guid>
		<description>&lt;strong&gt;Saturday Linkstuff, Multitasking Edition...&lt;/strong&gt;

I usually do this post on Saturday but after a night of vodka and ceviche, I&#039;ve had to &#039;stagger&#039; it to Sunday.

I wrote a post on Friday about maximizing my time with my laptop and how I like to multitask and do many things at the same time.  Someon...</description>
		<content:encoded><![CDATA[<p><strong>Saturday Linkstuff, Multitasking Edition&#8230;</strong></p>
<p>I usually do this post on Saturday but after a night of vodka and ceviche, I&#8217;ve had to &#8217;stagger&#8217; it to Sunday.</p>
<p>I wrote a post on Friday about maximizing my time with my laptop and how I like to multitask and do many things at the same time.  Someon&#8230;</p>
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		<title>By: Memorial Day Weekend Round Up- In Their Honor &#124; Good Financial Cents by Jeff Rose Certified Financial Planner</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-16815</link>
		<dc:creator>Memorial Day Weekend Round Up- In Their Honor &#124; Good Financial Cents by Jeff Rose Certified Financial Planner</dc:creator>
		<pubDate>Sun, 24 May 2009 19:21:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-16815</guid>
		<description>[...] Never Underestimate (or Overestimate) Small Savings or Income Opportunities Four Pillars [...]</description>
		<content:encoded><![CDATA[<p>[...] Never Underestimate (or Overestimate) Small Savings or Income Opportunities Four Pillars [...]</p>
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		<title>By: Hard Truth Week in Review- Memorial Day Edition &#124; Tough Money Love</title>
		<link>http://www.four-pillars.ca/2009/05/20/cash-flow-small-savings-income/comment-page-1/#comment-16811</link>
		<dc:creator>Hard Truth Week in Review- Memorial Day Edition &#124; Tough Money Love</dc:creator>
		<pubDate>Sun, 24 May 2009 17:01:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.four-pillars.ca/?p=4255#comment-16811</guid>
		<description>[...] Pillars explains why you should not underestimate the value of small improvements in savings or [...]</description>
		<content:encoded><![CDATA[<p>[...] Pillars explains why you should not underestimate the value of small improvements in savings or [...]</p>
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