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    <title>Ummabdullah's Personal Finance Blog</title>
    <link>http://ummabdullah.savingadvice.com</link>
    <description>Taking care of my finances in the UK and still being happy!</description>
	<webMaster>info@savingadvice.com</webMaster>
	<managingEditor>Umm Hayaat bint abdullah</managingEditor>
    <language>en-us</language>
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      <title>haven't been here in a long time</title>
      <link>http://ummabdullah.savingadvice.com/2007/11/04/havent-been-here-in-a-long-time_31783/</link>
      <description>Hi everyone.. &lt;br /&gt;
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I haven't written in this blog for ages.. &lt;br /&gt;
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I have been doing so well. My father in law with dementia finally passed away. He was a good man.. and sorely missed.. &lt;br /&gt;
Its too bad he didn't leave a will and leave my husbnd his inheritance.. But so be it.. The point...</description>
      <pubDate>Sun, 04 Nov 2007 15:41:49 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>put an offer on a house</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/31/put-an-offer-on-a-house_13748/</link>
      <description>I finally put an offer on a house. We put in a good offer and it was rejected! I am gutted. I am even more gutted because a house down the street that went up a few days ago already has an offer on it. &lt;br /&gt;
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I passed it buy thinking it was too much.. and then I noticed it had a double...</description>
      <pubDate>Thu, 31 Aug 2006 20:32:13 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>I'm already happy so why do I need money?</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/31/im-already-happy-so-why-do-i-need-money-_13747/</link>
      <description>I'm already happy. Why do I need as much money as some of my friends. Yeah I see them role up in that benz they paid cash for.. Never mind they live on a estate and have the business sense to buy and sell properties in dubai + the cash. Yet her house is a mess.. ectr ectr.. &lt;br /&gt;
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I'm...</description>
      <pubDate>Thu, 31 Aug 2006 20:30:04 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>It was another trip to London &pound;75 in petrol Uggg</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/29/it-was-another-trip-to-london-75-in-petr_13621/</link>
      <description>Okay I have been trying to stick to this budget thing .. I am a bit upset with myself. &lt;br /&gt;
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I bought my daughter a dvd players for the car.. I feel bad about spending that much money.. HOwever I still feel it was a must have item.... She didn't cry the whole trip.. and we didn't have...</description>
      <pubDate>Tue, 29 Aug 2006 09:33:47 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>I spent money! Oh no!</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/26/i-spent-money-oh-no-_13486/</link>
      <description>Okay my husband and I spent a few bobs today. It is for a good cause. We often take the 6 hour trip to London on the weekends with the children to see my in laws. My father in law lives all by himself and he is very lonely. Unfortunately he refuses to take the trip to see us which...</description>
      <pubDate>Sat, 26 Aug 2006 10:53:47 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>Making it work!</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/24/making-it-work_13406/</link>
      <description>I;m making it work.. been reading posts and blogs all day and this site is inspiring me. &lt;br /&gt;
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I feel so ready to go out there and make some money.. Patience patience&lt;br /&gt;
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I can't wait to save as much as possible. I plan on looking at any investments and stock option.. with companies who...</description>
      <pubDate>Thu, 24 Aug 2006 17:08:17 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>oops already went over  my budget</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/24/oops-already-went-over-my-budget_13390/</link>
      <description>Well not really actually I am already under budget at the moment anyway.. &lt;br /&gt;
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However, I promised my friends lil girl that I would buy something for her. Her mother just had a baby and as per culture.. we have to visit and drop off a present.. I feel it is unfair to the other children...</description>
      <pubDate>Thu, 24 Aug 2006 12:13:05 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>starting to budget like a tightwad</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/20/starting-to-budget-like-a-tightwad_13180/</link>
      <description>Okay My husband and I have officially gone through a budget.. and agreed how we would like to save.. We've been looking for houses lately and my husband was worried about having an islamic mortgage and if we could keep up with the payments. I don't blame him because it is extremely...</description>
      <pubDate>Sun, 20 Aug 2006 09:48:39 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>Fraud!</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/13/fraud_12740/</link>
      <description>Okay after doing some research into tax credits in the UK .. I proposed to my law abiding husband that I divorce him... &lt;br /&gt;
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Keep the house we live in.. claim benefits..and child tax credit.. &lt;br /&gt;
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while he buys me a house in the kids school catchment area.. I figured I could come close...</description>
      <pubDate>Sun, 13 Aug 2006 08:04:13 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>I love this blog stuff!</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/10/i-love-this-blog-stuff_12606/</link>
      <description>Wow.. people are writing that I'm lively.. in my writing.. and that my life story is interested. It feels great to talk about ourselves on these blogs.. lol.. &lt;br /&gt;
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I think I should write a biography? I wonder how much money I could make? I may have a connection with some publishers.....</description>
      <pubDate>Thu, 10 Aug 2006 09:21:42 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>My first financial blog</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/10/my-first-financial-blog_12593/</link>
      <description>Okay here is my first financial blog.. I love that other people can read these blogs.. and I love to talk about money. Its my fav. subject. Even though I don't worship money in any way.... it is the most interesting non religious topic I can think of discussing. I've always loved going...</description>
      <pubDate>Thu, 10 Aug 2006 04:36:31 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>I sound funny??</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/09/i-sound-funny_12568/</link>
      <description>&quot; like your blog. You sound very funny! Wonder why your mil called you such a name, why you were hit on the head by your teacher, why you couldn't get a job, etc, etc.. I'm sure you have a very interesting story to tell....&quot;&lt;br /&gt;
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I sound funny?? I am not sure what to think of that reaction......</description>
      <pubDate>Wed, 09 Aug 2006 14:59:29 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>Fate lends a helping hand!</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/09/fate-lends-a-helping-hand_12527/</link>
      <description>I very much agree with the above.. Something I have learned is that poverty and hardship either strengthens a person or weakens them. One thing is for certain being enterpreneurial comes with the territory because we have nothing to lose.. Whereas a person with wealth or perhaps status...</description>
      <pubDate>Wed, 09 Aug 2006 02:10:50 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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      <title>Starting out</title>
      <link>http://ummabdullah.savingadvice.com/2006/08/08/starting-out_12509/</link>
      <description>Okay many of you may be thinking.. He's a doctor and you have two children and barely anything saved yet??? What gives!&lt;br /&gt;
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Okay here is the situation. My husband and I married as soon as he finished his residency (registrar period). He lived with his mother and handed over his paycheck...</description>
      <pubDate>Tue, 08 Aug 2006 15:41:38 PST</pubDate>
	  <author>ummabdullah@msn.com (Umm Hayaat bint abdullah)</author>
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