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	<title>Comments on: Didn&#8217;t Meet My Goal, Dealing With Failure</title>
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	<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/</link>
	<description>Personal Finance. Investing. Wealth Building.</description>
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		<title>By: Learning From Failure &#124; Green Panda Treehouse</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-14098</link>
		<dc:creator>Learning From Failure &#124; Green Panda Treehouse</dc:creator>
		<pubDate>Sat, 19 Jul 2008 12:41:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-14098</guid>
		<description>[...] Pinyo: Laura, did you pay $700 in January? [...]</description>
		<content:encoded><![CDATA[<p>[...] Pinyo: Laura, did you pay $700 in January? [...]</p>
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		<title>By: Make Friends, Earn Money</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-8054</link>
		<dc:creator>Make Friends, Earn Money</dc:creator>
		<pubDate>Sat, 05 Apr 2008 13:55:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-8054</guid>
		<description>Goals are important, but that&#039;s what they are there for to have something to aim at. If we miss them then I never get too hung up about it because I think about what I have still acheived (and probably wouldn&#039;t have if i had set the goal in the first place)</description>
		<content:encoded><![CDATA[<p>Goals are important, but that&#8217;s what they are there for to have something to aim at. If we miss them then I never get too hung up about it because I think about what I have still acheived (and probably wouldn&#8217;t have if i had set the goal in the first place)</p>
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		<title>By: The Road to Debt Reduction is Filled With Stoplights</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5939</link>
		<dc:creator>The Road to Debt Reduction is Filled With Stoplights</dc:creator>
		<pubDate>Sat, 23 Feb 2008 20:05:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-5939</guid>
		<description>[...] Sometimes you were a bit overzealous in your hopes or forgot to take certain factors into consideration. [...]</description>
		<content:encoded><![CDATA[<p>[...] Sometimes you were a bit overzealous in your hopes or forgot to take certain factors into consideration. [...]</p>
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		<title>By: &#160; Carnival of Personal Finance #139 is Up and Running&#160;by&#160;Money Crashers</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5690</link>
		<dc:creator>&#160; Carnival of Personal Finance #139 is Up and Running&#160;by&#160;Money Crashers</dc:creator>
		<pubDate>Mon, 11 Feb 2008 13:28:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-5690</guid>
		<description>[...] see how Moolanomy deals with failure after missing a goal. [...]</description>
		<content:encoded><![CDATA[<p>[...] see how Moolanomy deals with failure after missing a goal. [...]</p>
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		<title>By: My Dollar Plan</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5689</link>
		<dc:creator>My Dollar Plan</dc:creator>
		<pubDate>Mon, 11 Feb 2008 12:05:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-5689</guid>
		<description>&lt;strong&gt;Carnival of Personal Finance #139: Valentine Edition...&lt;/strong&gt;

Valentine&#8217;s Day is just around the corner! It&#8217;s time to get out the scissors and red construction paper and make some hearts for those special people in your lives.
From celebrating frugally to funding your Roth IRA, you&#8217;re sure to fi...</description>
		<content:encoded><![CDATA[<p><strong>Carnival of Personal Finance #139: Valentine Edition&#8230;</strong></p>
<p>Valentine&#8217;s Day is just around the corner! It&#8217;s time to get out the scissors and red construction paper and make some hearts for those special people in your lives.<br />
From celebrating frugally to funding your Roth IRA, you&#8217;re sure to fi&#8230;</p>
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		<title>By: The Digerati Life</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5681</link>
		<dc:creator>The Digerati Life</dc:creator>
		<pubDate>Sun, 10 Feb 2008 19:16:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-5681</guid>
		<description>I&#039;ve since accepted the fact that with life changing events such as having a kid (or two or more!) that I&#039;d be spending more. I was actually amazed that Nickel is able to cut down costs successfully despite the fact that he has 4 kids to raise. Who&#039;s able to do that? Certainly not most people I know, and certainly not me! I&#039;m from the camp whose expenditures have risen quite a bit since having children. 

Kids can be expensive for many reasons -- more doctor&#039;s visits with some of those due to more &quot;exotic&quot; reasons. Clothes, school stuff, extra curricular activities will require more outlay of course. Family vacations will need to accommodate more people, you&#039;ll get more visitors to your home courtesy of your kid for sure... Children will often want hobbies, pets, you name it. So if you are to accommodate these extras, then cuts have to happen elsewhere. So far, that hasn&#039;t been something I&#039;ve been successful with. Hence, my acceptance of a bigger budget. Oh well! 

Great post!</description>
		<content:encoded><![CDATA[<p>I&#8217;ve since accepted the fact that with life changing events such as having a kid (or two or more!) that I&#8217;d be spending more. I was actually amazed that Nickel is able to cut down costs successfully despite the fact that he has 4 kids to raise. Who&#8217;s able to do that? Certainly not most people I know, and certainly not me! I&#8217;m from the camp whose expenditures have risen quite a bit since having children. </p>
<p>Kids can be expensive for many reasons &#8212; more doctor&#8217;s visits with some of those due to more &#8220;exotic&#8221; reasons. Clothes, school stuff, extra curricular activities will require more outlay of course. Family vacations will need to accommodate more people, you&#8217;ll get more visitors to your home courtesy of your kid for sure&#8230; Children will often want hobbies, pets, you name it. So if you are to accommodate these extras, then cuts have to happen elsewhere. So far, that hasn&#8217;t been something I&#8217;ve been successful with. Hence, my acceptance of a bigger budget. Oh well! </p>
<p>Great post!</p>
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		<title>By: Moolanomy&#8217;s Checking On My Progress : Just Personal Finance</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5635</link>
		<dc:creator>Moolanomy&#8217;s Checking On My Progress : Just Personal Finance</dc:creator>
		<pubDate>Thu, 07 Feb 2008 13:56:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-5635</guid>
		<description>[...] excellent buddy, Pinyo of Moolanomy who &#8220;tagged&#8221; me to follow up on my challenge after missing his goal and dealing with failure.Ã‚ (An excellent post to read if I may say [...]</description>
		<content:encoded><![CDATA[<p>[...] excellent buddy, Pinyo of Moolanomy who &#8220;tagged&#8221; me to follow up on my challenge after missing his goal and dealing with failure.Ã‚ (An excellent post to read if I may say [...]</p>
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		<title>By: RacerX</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5630</link>
		<dc:creator>RacerX</dc:creator>
		<pubDate>Thu, 07 Feb 2008 04:04:18 +0000</pubDate>
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		<description>Great list of tips.

And Pinyo, even thoug babies and some expense...don&#039;t forget the tax break! :) it will pay for the extra gas :)</description>
		<content:encoded><![CDATA[<p>Great list of tips.</p>
<p>And Pinyo, even thoug babies and some expense&#8230;don&#8217;t forget the tax break! <img src='http://www.moolanomy.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  it will pay for the extra gas <img src='http://www.moolanomy.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Meg</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5628</link>
		<dc:creator>Meg</dc:creator>
		<pubDate>Thu, 07 Feb 2008 00:41:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-5628</guid>
		<description>Pinyo~
Don&#039;t feel too bad about the increase in your utility bill, in spite of your efforts. One of my goals over the past three months has been to reduce both my gas bill and my electricity bill. My gas bill was lowered by about 30%, primarily because I rarely have the thermostat above 58 degrees anymore (can you say &quot;brrrrrrrrrr&quot;?) and I never have it on at night.

I was equally careful with my electricity usage, turning off lights, only using one lamp instead of four to light a room, replacing bulbs with CFL&#039;s, unplugging appliances/electronics during the day/night when not in use. I did succeed in lowering the Kilowatts used----but my bill actually increased a bit anyway! Why? Because utility rates went up! Grrrrrrr!

I respect your efforts, and wish you the best of luck! I&#039;ll keep checking back to your blog for new updates on 2008 goals. . . . (-:</description>
		<content:encoded><![CDATA[<p>Pinyo~<br />
Don&#8217;t feel too bad about the increase in your utility bill, in spite of your efforts. One of my goals over the past three months has been to reduce both my gas bill and my electricity bill. My gas bill was lowered by about 30%, primarily because I rarely have the thermostat above 58 degrees anymore (can you say &#8220;brrrrrrrrrr&#8221;?) and I never have it on at night.</p>
<p>I was equally careful with my electricity usage, turning off lights, only using one lamp instead of four to light a room, replacing bulbs with CFL&#8217;s, unplugging appliances/electronics during the day/night when not in use. I did succeed in lowering the Kilowatts used&#8212;-but my bill actually increased a bit anyway! Why? Because utility rates went up! Grrrrrrr!</p>
<p>I respect your efforts, and wish you the best of luck! I&#8217;ll keep checking back to your blog for new updates on 2008 goals. . . . (-:</p>
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		<title>By: Amanda @ Me vs Debt</title>
		<link>http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/comment-page-1/#comment-5615</link>
		<dc:creator>Amanda @ Me vs Debt</dc:creator>
		<pubDate>Wed, 06 Feb 2008 11:33:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.moolanomy.com/141/i-missed-my-goal-dealing-with-failure/#comment-5615</guid>
		<description>HI Pinyo, 

Congratulations on the new baby :) It sounds like the increase was based on last years spending patterns. You have a the whole year to bring expenses back down. Or not. Maybe you&#039;re right - sometimes goals need to be re-evaluated based on new information. More people in your home will make additional utility expenses unavoidable. I consider looking for ways to adapt to those changes great progress in itself!

Cheers,
Amanda</description>
		<content:encoded><![CDATA[<p>HI Pinyo, </p>
<p>Congratulations on the new baby <img src='http://www.moolanomy.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  It sounds like the increase was based on last years spending patterns. You have a the whole year to bring expenses back down. Or not. Maybe you&#8217;re right &#8211; sometimes goals need to be re-evaluated based on new information. More people in your home will make additional utility expenses unavoidable. I consider looking for ways to adapt to those changes great progress in itself!</p>
<p>Cheers,<br />
Amanda</p>
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