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<item>
 <title>5 Things You Must Do in November </title>
 <link>http://www.savvysugar.com/5911638</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/5911638&quot;&gt;&lt;img  width=160 height=133  src=&#039;http://media.onsugar.com/files/ed2/192/1922441/44_2009/54f902b623a803d8_cover.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            Kick off November by getting all your ducks in a row so you&#039;re able to enjoy this time of year that&#039;s all about family and friends. Organizing yourself now will keep you from going nuts once the holiday craziness sets in, and you may just find the time to put your feet up between making your holiday rounds. Make it a point to adhere to these five things in November. 



 

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 <comments>http://www.savvysugar.com/5911638#comment</comments>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <category domain="http://www.teamsugar.com/tag/November">November</category>
 <pubDate>Mon, 02 Nov 2009 08:30:10 -0800</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/5911638</guid>
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 <title>5 Things You Must Do in October </title>
 <link>http://www.savvysugar.com/5350610</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/5350610&quot;&gt;&lt;img  width=160 height=133  src=&#039;http://media.onsugar.com/files/ons1/192/1922441/40_2009/d1d32e85621e66bf_oct.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            October means it&#039;s full fledged Fall and time to kick off the holiday season. There are plenty of &lt;a href=&quot;http://www.savvysugar.com/tags/must+haves&quot;&gt;pretty things you must have&lt;/a&gt; this month, but make sure to set aside some time to take stock of your goals and gear up for the end of the year before you start spending on holiday presents and travel. What should you add to your October to-do list? Today is the day to find out!
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 <comments>http://www.savvysugar.com/5350610#comment</comments>
 <category domain="http://www.teamsugar.com/tag/Getty">Getty</category>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <category domain="http://www.teamsugar.com/tag/list">list</category>
 <category domain="http://www.teamsugar.com/tag/October">October</category>
 <pubDate>Thu, 01 Oct 2009 06:00:32 -0700</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/5350610</guid>
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 <title>Savvy September Must Haves</title>
 <link>http://www.savvysugar.com/4522047</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/4522047&quot;&gt;&lt;img  width=160 height=133  src=&#039;http://media.onsugar.com/files/ons1/192/1922441/36_2009/7aeaaacc30f9ec63_cover.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            I know how many stressful hours you spend logging at your desk, so this month&#039;s must haves are about comfort and convenience. Stop putting off purchasing the savvy gear you&#039;ve been meaning to buy, and finally update your home and office life with sensibility this September. 
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 <comments>http://www.savvysugar.com/4522047#comment</comments>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <pubDate>Tue, 01 Sep 2009 06:30:50 -0700</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/4522047</guid>
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 <title>January Must Dos</title>
 <link>http://www.savvysugar.com/2657036</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/2657036&quot;&gt;&lt;img  width=160 height=160  src=&#039;http://media.onsugar.com/files/upl1/10/104165/01_2009/da0e33c3a9aa911c_automate-savings.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            Whether or not you&#039;re a believer in New Year&#039;s resolutions, there&#039;s always room for improving the order in our financial houses. Begin the year on an organized note and set yourself up to be in better touch with your finances in 2009 by following my January must dos. Start the slideshow to check out some steps to take this month. 
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 <comments>http://www.savvysugar.com/2657036#comment</comments>
 <category domain="http://www.teamsugar.com/tag/New Year&#039;s Resolutions">New Year&#039;s Resolutions</category>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <category domain="http://www.teamsugar.com/tag/organize">organize</category>
 <pubDate>Mon, 05 Jan 2009 07:45:42 -0800</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/2657036</guid>
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 <title>December Must Have Tips</title>
 <link>http://www.savvysugar.com/2542047</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/2542047&quot;&gt;&lt;img  width=160 height=106  src=&#039;http://media.onsugar.com/files/upl1/10/104165/48_2008/bb8be09cc1569050_a684b2e2c05e2532_closet-shopping.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            The last month of the year is often the busiest - with all of the holiday parties and traveling it&#039;s amazing that any work gets done! It&#039;s easy to let things fall through the cracks with so much going on, including that little thing called a budget. Start the slideshow to check out my must have December tips to get you through the season without going broke or getting on your boss&#039;s bad side. 

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 <comments>http://www.savvysugar.com/2542047#comment</comments>
 <category domain="http://www.teamsugar.com/tag/shopping">shopping</category>
 <category domain="http://www.teamsugar.com/tag/spending">spending</category>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <category domain="http://www.teamsugar.com/tag/vacation">vacation</category>
 <pubDate>Mon, 01 Dec 2008 07:45:03 -0800</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/2542047</guid>
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 <title>November Must Have Tips</title>
 <link>http://www.savvysugar.com/2448951</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/2448951&quot;&gt;&lt;img  width=160 height=160  src=&#039;http://media.onsugar.com/files/upl1/10/104165/44_2008/df35f9c06f3bc79d_heat.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            The telling chill in the air means there&#039;s no denying we&#039;re in the final stretch of 2008. There may only be eight weeks until the ball drops, but there&#039;s a whole lot packed in to two months time and we must start preparing. November has me thinking about how to stay on track with my finances when Thanksgiving dinner, traveling, gift buying, and a rising heating bill are happening at once. Check out my must have tips for this month! 
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 <comments>http://www.savvysugar.com/2448951#comment</comments>
 <category domain="http://www.teamsugar.com/tag/food">food</category>
 <category domain="http://www.teamsugar.com/tag/travel">travel</category>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <category domain="http://www.teamsugar.com/tag/holiday">holiday</category>
 <category domain="http://www.teamsugar.com/tag/Thanksgiving">Thanksgiving</category>
 <pubDate>Mon, 03 Nov 2008 08:30:55 -0800</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/2448951</guid>
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 <title>July Must Have Travel Tips</title>
 <link>http://www.savvysugar.com/1748768</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/1748768&quot;&gt;&lt;img  width=160 height=106  src=&#039;http://media.onsugar.com/files/upl1/10/104165/27_2008/slide1.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            With the whole Summer ahead of us, we can look forward to creating new vacation memories to last us through the colder seasons to come. It&#039;s healthy and necessary for us to take a few days away from the office to rejuvenate and refocus, even if you choose a location close to home. Here&#039;s a roundup of money conscious travel tips to keep in mind as you plan those Summer getaways. 

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 <category domain="http://www.teamsugar.com/tag/tip">tip</category>
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 <category domain="http://www.teamsugar.com/tag/vacation">vacation</category>
 <pubDate>Tue, 01 Jul 2008 09:35:35 -0700</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/1748768</guid>
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 <title>May Must Have Advice</title>
 <link>http://www.savvysugar.com/1593420</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/1593420&quot;&gt;&lt;img  width=107 height=160  src=&#039;http://media.onsugar.com/files/upl1/10/104165/18_2008/80859988_0.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            Twenty-five accomplished people told &lt;b&gt;Fortune&lt;/b&gt; &lt;a href=&quot;http://money.cnn.com/galleries/2008/fortune/0804/gallery.bestadvice.fortune/index.html/&quot;&gt;about the best advice&lt;/a&gt; they&#039;d ever received and ultimately influenced their lives. I&#039;ve selected a handful of these to share with you, and I&#039;m passing along the advice of people like Tina Fey and Craigslist founder Craig Newmark as May Must Haves. After reading what they had to say about the best advice they&#039;ve received, let me know what&#039;s the best advice you&#039;ve ever received in the comments. 
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 <category domain="http://www.teamsugar.com/tag/The Grind">The Grind</category>
 <category domain="http://www.teamsugar.com/tag/career">career</category>
 <category domain="http://www.teamsugar.com/tag/job">job</category>
 <category domain="http://www.teamsugar.com/tag/slideshow">slideshow</category>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <pubDate>Thu, 01 May 2008 08:32:45 -0700</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/1593420</guid>
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 <title>Savvy April Must-Dos</title>
 <link>http://www.savvysugar.com/1515081</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/1515081&quot;&gt;&lt;img  width=160 height=102  src=&#039;http://media.onsugar.com/files/upl0/10/104165/14_2008/57167631.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;
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            Instead of putting together a list of April Must Haves, I&#039;ve compiled a list of April Must Do&#039;s to help you Spring clean your finances. Checking all of these off your list will take less time than your normal Spring cleaning, not to mention the lack of dust bunnies.  Get a fresh start this month with these must-do savvy moves. 
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 <comments>http://www.savvysugar.com/1515081#comment</comments>
 <category domain="http://www.teamsugar.com/tag/must haves">must haves</category>
 <pubDate>Tue, 01 Apr 2008 12:33:58 -0700</pubDate>
 <dc:creator>SavvySugar</dc:creator>
 <guid>http://www.savvysugar.com/1515081</guid>
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 <title>What to Know About the Extended Homebuyers Tax Credit</title>
 <link>http://www.savvysugar.com/6068099</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/6068099&quot;&gt;&lt;img  width=110 height=160  src=&#039;http://media.onsugar.com/files/ed2/192/1922441/45_2009/8648665aafae1da0_obama.large.jpg&#039;&gt;&lt;/div&gt;&lt;/a&gt;&lt;p&gt;Stimulating the economy is the motivation behind many discussions and decisions coming from the White House these days. The &lt;a href=&quot;http://www.savvysugar.com/2826900/&quot; &gt;original $8,000 first-time homebuyers credit&lt;/a&gt; was developed with economic improvement in mind, and the measure&#039;s popularity led to &lt;a href=&quot;http://money.cnn.com/2009/11/06/real_estate/tax_credit_extended/index.htm&quot; target=&quot;_blank&quot;&gt;President Obama signing an extension and expansion&lt;/a&gt; of the credit on Friday. &lt;/p&gt;
&lt;p&gt;The tax credit was scheduled to expire on Dec. 1, but the new version comes with a later date and widens the range of those eligible to claim the credit. Learn more about the new tax credit when you read more.&lt;br /&gt;
&lt;br&gt;&lt;br /&gt;
&lt;br&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Homebuyers must sign a contract before April 30 and close on the home by June 30.&lt;/li&gt;
&lt;li&gt;The previous credit was limited to first-time buyers or buyers who haven&#039;t owned a home in the past three years. The new version has been expanded to include those who have owned a home for five out of the past eight years and want to buy a new one.&lt;/li&gt;
&lt;li&gt;First-time homebuyers are still eligible to receive the $8,000, while existing homeowners can qualify for a $6,500 tax credit.&lt;/li&gt;
&lt;li&gt;The income limits have been significantly raised. With the previous credit, single people making more than $75,000 or couples earning more than $150,000 didn&#039;t qualify for the full credit. Under the new version, single buyers can earn up to $125,000 while a married couple can earn $225,000 and still get the full credit.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Are you hoping to take advantage of the extended homebuyers tax credit? &lt;/p&gt;
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 <category domain="http://www.teamsugar.com/tag/Getty">Getty</category>
 <category domain="http://www.teamsugar.com/tag/news">news</category>
 <category domain="http://www.teamsugar.com/tag/real estate">real estate</category>
 <category domain="http://www.teamsugar.com/tag/housing">housing</category>
 <category domain="http://www.teamsugar.com/tag/Barack Obama">Barack Obama</category>
 <category domain="http://www.teamsugar.com/tag/homebuyer credit">homebuyer credit</category>
 <pubDate>Mon, 09 Nov 2009 06:00:09 -0800</pubDate>
 <dc:creator>SavvySugar</dc:creator>
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