<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/">
<channel>
	<title>Money magazine Comments - Why you need to start budgeting now for Christmas</title>
	<description>The festive season is a time of joy. It's also a time of big credit card debt. You can avoid this with a no-spend Christmas instead, but you need to start having the conversation now.</description>
	<link>https://www.moneymag.com.au/feed/latest?story=141530342</link>
	<lastBuildDate>Thu, 20 Sep 2018 15:21:09 +1000</lastBuildDate>
	<pubDate>Thu, 20 Sep 2018 15:21:09 +1000</pubDate>
	<language>en-AU</language>
	<copyright>Copyright 2026 Money magazine</copyright>
	<ttl>5</ttl>
	<image>
		<title>Money magazine Comments - Why you need to start budgeting now for Christmas</title>
		<url>https://media.moneymag.com.au/prod/media/library/Money_Mag/Logo/Logo_401x133.png</url>
	</image>
	<item>
		<title>Comment by Monika  ()</title>
		<link></link>
		<guid isPermaLink="false"></guid>
		<description><![CDATA[
<p><p>Thanks Serina, this has inspired me to again try for a small Christmas, no matter how much my loved ones object!</p></p><p><a href="">Reply to article</a></p><p>For original story, <a href="">Click Here.</a></p>
]]></description>
		<dc:creator>Monika  ()</dc:creator>
		<pubDate>Thu, 20 Sep 2018 15:21:09 +1000</pubDate>
	</item>
</channel>
</rss>