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		<loc>https://www.yourmoneybook.com/some-updates-and-insights-for-your-wallet/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/more-heads-up-and-updates-part-ii/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/how-ready-willing-able-are-you-for-the-next-mortgage-rate-increase/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/answering-your-mortgage-questions/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/a-few-scary-stories-from-the-u-s/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/greece-goldman-sachs-the-canadian-dollar-theyre-all-connected/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/do-you-want-your-identity-stolen/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/is-it-right-or-wrong/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/three-short-insights-you-should-know/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/do-you-have-smart-insurance/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-sad-news-about-our-savings-and-debt-loads/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-forever-trap-of-overdrafts/</loc>
		<lastmod>2013-07-19T17:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/whats-the-real-cost-of-your-vehicle/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/are-we-gaining-ground-or-going-broke/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/a-lot-of-new-stories-this-week/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/a-small-town-with-a-big-mortgage-mess/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/six-short-stories-worth-talking-about/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/new-credit-card-regulations-right-on-the-mark/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/dont-even-think-about-buying-a-new-vehicle-just-yet/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/when-youre-in-charge-of-your-own-retirement-finances/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/greetings-from-phoenix/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/as-consumers-weve-got-the-power/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/back-to-school-does-not-mean-suspending-financial-reality/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/more-often-than-not-being-broke-is-our-choice/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/stories-and-news-from-south-of-the-border/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/more-stories-and-insights-from-the-u-s/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/pre-paid-credit-gift-cards-dont-shred-your-wallet-with-all-those-fees/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/some-financial-christmas-presents-for-yourself/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/some-pre-christmas-good-news-stories/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/some-financial-resolutions-that-may-actually-work/</loc>
		<lastmod>2013-07-19T17:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/loans-to-family-friends-dont-do-it/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/financially-can-you-afford-to-be-a-stay-at-home-parent/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/reward-frequent-flyer-points-think-of-them-as-bananas/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/lifestyles-of-the-formerly-rich-and-famous/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/i-got-fired-and-ripped-off-twice/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/this-is-not-about-politics-sort-of/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/your-e-mail-segment/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/some-new-insights-you-should-know-from-the-past-week/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/as-we-talked-about-three-weeks-ago-its-now-time-to-start-our-no-spend-week/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/happy-rrsp-deadline/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/how-the-real-business-credit-crunch-is-unfolding/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/credit-crunch-what-credit-crunch-where/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/this-weeks-federal-budget/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/getting-financially-fit-for-2009-part-ii/</loc>
		<lastmod>2013-07-19T17:44:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/getting-financially-fit-for-2009-part-i/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/happy-new-year-for-some-more-than-others/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/happy-boxing-day/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/e-mail-scams-you-gotta-know/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/gift-cards-be-careful-this-year/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/high-tech-credit-cards-are-on-the-way/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/is-your-car-making-you-money-or-killing-your-financial-freedom/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/if-you-use-your-credit-card-at-a-tire-shop-should-that-reduce-your-credit-score/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/news-from-the-us/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/is-credit-a-good-tool/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/black-monday-why-you-should-learn-the-lessons/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/what-the-heck-happened-on-wall-street-this-week/</loc>
		<lastmod>2013-07-19T17:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/when-you-run-out-of-money-you-run-out-of-peace-of-mind/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/learning-the-painful-lessons-of-others/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/more-and-more-generation-y-continue-to-live-at-home/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-power-of-marketing/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-world-of-leasing-is-changing-in-a-hurry/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/an-e-mail-from-a-listener/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/rich-is-often-an-illusion/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/federal-government-strengthens-mortgage-rules/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/whats-in-your-wallet/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/greetings-from-kansas-city/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/buying-gas-at-20-cents-a-gallon-on-your-credit-card/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/is-there-a-problem-here/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/say-it-aint-so/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/sooner-or-later-you-and-me-are-going-to-cover-all-those-losses/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/phishing-and-whaling/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/getting-smart-before-going-broke/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/were-certainly-miles-ahead-of-the-information-curve/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/credit-crunch-mortgage-crisis-everythings-a-crisis/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/here-are-five-new-insights-that-are-definitely-worth-knowing-about/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/a-big-heads-up-about-our-chequing-accounts/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/life-does-go-on-without-credit-cards/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/lowering-your-credit-card-rate/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/going-further-into-debt-up-up-and-away/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/identity-theft-the-fastest-growing-crime-in-north-america/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/whats-the-payback-on-hybrid-cars/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-good-news-interest-rates-came-down-this-week/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/what-just-happened-this-week/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/getting-financially-fit-for-2008/</loc>
		<lastmod>2013-07-19T17:44:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/getting-financially-fit-for-2008-part-i/</loc>
		<lastmod>2013-07-19T17:44:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/another-week-another-scam/</loc>
		<lastmod>2013-10-31T19:57:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/three-financial-tips-if-youre-traveling/</loc>
		<lastmod>2013-10-31T19:57:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/great-news-our-debt-increased-21-last-year/</loc>
		<lastmod>2013-11-04T19:26:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-fine-print-of-reward-credit-cards/</loc>
		<lastmod>2013-12-01T14:48:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/cruise-insights-part-ii/</loc>
		<lastmod>2013-12-01T14:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-value-of-cruising/</loc>
		<lastmod>2013-12-01T14:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/if-you-have-an-aeroplan-credit-card-2/</loc>
		<lastmod>2013-12-01T15:00:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/a-credit-card-issuer-youve-never-heard-of/</loc>
		<lastmod>2013-12-01T15:04:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/radio-quiz-testing-your-credit-smarts/</loc>
		<lastmod>2013-12-01T15:06:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/visa-and-mastercard-win-again/</loc>
		<lastmod>2013-12-01T15:08:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/governments-need-money-and-youre-their-victim/</loc>
		<lastmod>2013-12-01T15:11:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/eight-year-car-loans-yikes/</loc>
		<lastmod>2013-12-01T15:13:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/reward-programs-a-dumb-overdraft-story/</loc>
		<lastmod>2013-12-01T15:15:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/a-400-raise-six-ways-to-go-broke-this-christmas/</loc>
		<lastmod>2013-12-06T18:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/its-just-stuff/</loc>
		<lastmod>2013-12-11T15:32:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/some-not-so-sexy-christmas-presents/</loc>
		<lastmod>2013-12-18T15:36:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/happy-new-year-but-will-this-year-be-any-different/</loc>
		<lastmod>2014-01-08T15:33:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/happy-new-year-canadians-just-hit-1-trillion-in-debt/</loc>
		<lastmod>2014-01-20T15:10:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/why-this-couple-has-a-25-car-loan/</loc>
		<lastmod>2014-01-20T15:11:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/this-couples-25-car-loan-has-lots-of-insights/</loc>
		<lastmod>2014-01-20T17:28:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/its-rrsp-time-but-you-shouldnt-contribute-this-year/</loc>
		<lastmod>2014-01-22T15:32:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/why-14-year-olds-have-more-money-than-their-parents/</loc>
		<lastmod>2014-01-29T15:32:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/its-rrsp-deadline-this-week/</loc>
		<lastmod>2014-02-26T15:33:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/its-rrsp-deadline-but-maybe-ignore-the-pressure/</loc>
		<lastmod>2014-02-28T16:04:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/savings-parking-money-and-investing-how-tos/</loc>
		<lastmod>2014-03-05T15:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/travel-like-a-norwegian/</loc>
		<lastmod>2014-03-26T19:26:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/one-more-very-personal-cruise-story-a-challenge-for-you/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/allowances-lottery-tickets/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/5-short-insights/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/consolidation-loans-dont-do-it/</loc>
		<lastmod>2014-04-23T14:31:39+00:00</lastmod>
	</url>
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		<loc>https://www.yourmoneybook.com/can-you-really-sign-away-your-credit-card-rights/</loc>
		<lastmod>2014-04-30T14:33:21+00:00</lastmod>
	</url>
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		<loc>https://www.yourmoneybook.com/its-grad-season-and-lots-of-businesses-want-to-meet-you/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/three-must-do-tips-for-any-grad/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/adult-graduation-to-financial-success/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/graduate-as-a-millionaire/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/hacking-an-atm-seems-easy-god-cant-get-credit/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-world-of-reward-points-is-changing/</loc>
		<lastmod>2014-06-25T14:33:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/a-new-tim-horton-visa-card/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/guaranteed-lowest-price-your-facebook-friends-set-your-credit-rating/</loc>
		<lastmod>2014-07-16T14:33:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/and-itunes-scam-and-gift-cards-heads-up/</loc>
		<lastmod>2014-07-23T13:54:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/advertisements-what-you-hear-what-you-need-to-know/</loc>
		<lastmod>2014-07-30T14:33:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-new-tim-horton-visa-card/</loc>
		<lastmod>2014-07-31T18:00:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/greetings-from-bermuda/</loc>
		<lastmod>2014-08-26T17:02:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-vehicle-you-drive-may-match-your-credit-rating/</loc>
		<lastmod>2014-08-26T17:05:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/price-matching-dilemma/</loc>
		<lastmod>2014-08-26T17:08:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/why-we-spend-more-using-credit-cards/</loc>
		<lastmod>2014-08-26T17:35:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/car-rental-coverage-on-credit-cards/</loc>
		<lastmod>2014-09-18T15:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/teachers-attitudes-about-financial-literacy-courses/</loc>
		<lastmod>2014-09-24T14:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/five-steps-to-mortgage-debt-freedom/</loc>
		<lastmod>2014-10-07T14:19:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/canada-savings-bonds-are-a-crappy-way-to-save-but-you-should-use-them/</loc>
		<lastmod>2014-10-15T14:32:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/have-you-used-your-credit-card-at-target-or-home-depot/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/keeping-you-updated/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/seven-things-the-middle-class-cant-afford-anymore/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/whats-the-definition-of-rich/</loc>
		<lastmod>2014-11-19T15:45:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/dear-retailer-im-in-financial-trouble-so-you-wont-see-me-much-this-christmas/</loc>
		<lastmod>2014-12-03T15:34:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/one-week-until-christmas/</loc>
		<lastmod>2014-12-22T14:15:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/is-your-house-helping-or-holding-you-back/</loc>
		<lastmod>2015-01-07T15:32:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/2015-financial-resolutions-you-can-actually-keep/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/for-one-off-financial-tips-you-should-test-drive/</loc>
		<lastmod>2015-01-20T18:02:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/lots-of-financial-news-in-just-a-week/</loc>
		<lastmod>2015-01-28T15:36:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/best-buy-target-terminating-your-credit-card/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/save-or-pay-off-debts-2/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/while-you-werent-looking-your-credit-card-charges-rates-went-up/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/how-much-money-would-it-take-to-destroy-the-relationship-with-your-family/</loc>
		<lastmod>2015-03-11T13:09:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/is-there-a-point-in-paying-down-your-mortgage/</loc>
		<lastmod>2015-03-18T14:31:56+00:00</lastmod>
	</url>
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		<loc>https://www.yourmoneybook.com/three-money-saving-heads-up-tips/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/more-retailers-go-bankrupt-and-you-still-want-to-own-gift-cards/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/graduating-to-financial-adulthood/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/cheap-like-a-norwegian/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/teens-and-money-or-lack-of/</loc>
		<lastmod>2015-05-21T15:23:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/dear-rbc-what-a-rotten-idea/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-two-best-financial-inventions/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/can-you-check-your-adult-kids-credit-card-statement/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/five-things-i-didnt-know/</loc>
		<lastmod>2015-06-25T15:32:01+00:00</lastmod>
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	</url>
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		<loc>https://www.yourmoneybook.com/mortgage-rates-recalls-information-you-really-need/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/really-bad-radio-finance-ads/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/an-easy-way-to-save-8-400/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/housing-correction-forecasts/</loc>
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		<loc>https://www.yourmoneybook.com/stock-market-meltdown-what-meltdown/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/helping-your-adult-kids-part-ii/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/adult-graduation-to-financial-reality/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-new-government-promises-annual-deficits/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/three-credit-card-updates-and-heads-up/</loc>
		<lastmod>2015-10-28T14:32:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/mortgage-renewal-alert/</loc>
		<lastmod>2015-11-18T15:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/mortgage-renewal-alert-2/</loc>
		<lastmod>2015-11-25T15:29:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/pretending-to-be-rich-is-really-expensive/</loc>
		<lastmod>2016-01-08T16:31:01+00:00</lastmod>
	</url>
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		<loc>https://www.yourmoneybook.com/even-the-catholic-church-has-a-financial-mess/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/moving-from-dot-com-to-not-com/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/boston-pizza-heads-up/</loc>
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			<image:loc>https://www.yourmoneybook.com/wp-content/uploads/2016/02/BP.png</image:loc>
		</image:image>
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		<loc>https://www.yourmoneybook.com/selling-gold-and-and-an-iphone-heads-up/</loc>
		<lastmod>2016-03-16T14:32:18+00:00</lastmod>
	</url>
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		<loc>https://www.yourmoneybook.com/want-to-be-a-teenage-millionaire/</loc>
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		<loc>https://www.yourmoneybook.com/walmart-wants-to-stop-taking-your-visa/</loc>
		<lastmod>2016-06-15T14:33:00+00:00</lastmod>
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		<loc>https://www.yourmoneybook.com/a-horrible-month-for-td-and-royal/</loc>
		<lastmod>2016-07-04T13:43:57+00:00</lastmod>
	</url>
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		<loc>https://www.yourmoneybook.com/keeping-your-credit-alive-during-the-postal-strike/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/loyalty-is-dead/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/a-great-savings-idea/</loc>
		<lastmod>2016-07-20T14:34:22+00:00</lastmod>
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	<url>
		<loc>https://www.yourmoneybook.com/happy-new-year-for-new-vehicles/</loc>
		<lastmod>2016-07-27T13:44:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/td-cross-border-banking/</loc>
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	</url>
	<url>
		<loc>https://www.yourmoneybook.com/learning-from-calgarians/</loc>
		<lastmod>2016-10-26T14:32:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/learning-the-financial-lessons-from-the-calgary-meltdown/</loc>
		<lastmod>2016-10-29T17:37:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/norwegian-cruise-lines-hello-from-new-brunswick/</loc>
		<lastmod>2016-10-29T17:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/borrowing-doesnt-come-with-warnings-or-permission-slips-2/</loc>
		<lastmod>2016-11-19T16:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/borrowing-doesnt-come-with-warnings-or-permission-slips/</loc>
		<lastmod>2016-11-19T16:46:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/i-was-inspired-i-messed-up-i-was-surprised-and-have-an-idea/</loc>
		<lastmod>2016-12-14T15:32:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/paying-less-this-year-saving-1400-the-easy-way/</loc>
		<lastmod>2017-01-18T14:06:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.yourmoneybook.com/wp-content/uploads/2017/01/52-Week-Saving-Challenge.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-latest-short-term-loan-deals/</loc>
		<lastmod>2017-03-01T15:33:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/bank-staff-speak-out-youre-the-prey/</loc>
		<lastmod>2017-03-08T14:22:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/greetings-from-aruba/</loc>
		<lastmod>2017-03-29T12:41:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/daily-pay-advance/</loc>
		<lastmod>2017-06-22T13:24:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/visa-hackers-free-banking/</loc>
		<lastmod>2017-06-23T12:58:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/merchant-credit-cards-heads-up-online-bill-payment-alert/</loc>
		<lastmod>2017-07-05T14:32:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/canada-post-financial-and-eating-out-at-lunch/</loc>
		<lastmod>2017-07-19T14:35:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/sears-amazon-and-why-we-cant-do-our-own-investing/</loc>
		<lastmod>2017-08-02T13:23:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/financial-advisor-or-adviser-it-can-cost-you-a-lot-and-your-cell-phone/</loc>
		<lastmod>2017-08-03T15:13:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/two-insights-worth-remembering/</loc>
		<lastmod>2017-10-01T15:25:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/loyalty-is-dead-this-time-its-aeroplan/</loc>
		<lastmod>2017-10-05T14:37:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/more-new-mortgage-tightening-rules/</loc>
		<lastmod>2017-10-24T15:25:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/our-irrational-financial-choices/</loc>
		<lastmod>2017-11-01T14:33:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/turning-60-soon/</loc>
		<lastmod>2017-11-09T12:32:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/careful-with-car-rental-pre-paids/</loc>
		<lastmod>2017-12-06T15:31:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/were-more-confident-but-why/</loc>
		<lastmod>2018-01-03T15:32:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/the-government-financial-resolutions-you-didnt-get/</loc>
		<lastmod>2018-01-10T15:32:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/paying-down-your-credit-cards/</loc>
		<lastmod>2018-01-17T15:32:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/dont-get-mad-get-saving/</loc>
		<lastmod>2018-02-05T16:41:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/doing-the-rrsp-deadline-money-dump/</loc>
		<lastmod>2018-02-07T15:31:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/there-are-businesses-that-dont-love-you/</loc>
		<lastmod>2018-02-14T15:32:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.yourmoneybook.com/an-expensive-disease-called-fomo/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/love-this-young-millennials-dont-use-credit-cards/</loc>
		<lastmod>2018-03-07T15:31:42+00:00</lastmod>
	</url>
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		<loc>https://www.yourmoneybook.com/the-future-for-online-financial-stuff-is-here/</loc>
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	</url>
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		<loc>https://www.yourmoneybook.com/my-savings-are-missing/</loc>
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