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	<title>Loans Scotland</title>
	<link>http://loans.scotland.org.uk</link>
	<description>personal finance explained</description>
	<lastBuildDate>Fri, 09 Jan 2009 14:54:51 +0000</lastBuildDate>
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	<item>
		<title>Savers: What Now?</title>
		<description><![CDATA[Mortgage payers may be rubbing their hands in glee, but for savers 2009 looks like being a savage denunciation of their thrift.  For hard-pressed pensioners, 2009 may see many on the breadline as they are forced to spend their capital rather than live off their interest. (Do you remember interest? No? That was what you [...]]]></description>
		<link>http://loans.scotland.org.uk/mortgages/savers-what-now/</link>
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		<title>Rats, Sinking Ship&#8230;</title>
		<description><![CDATA[The news that the huge wave of immigration from Poland is reversing as Poles take their savings back to Poland and start buying homes and building businesses has that unmistakable whiff of rats leaving a sinking ship. Totally unfair of course as they built our Miller Homes for the past five years and kept our [...]]]></description>
		<link>http://loans.scotland.org.uk/all-the-travails-of-work-and-some/rats-sinking-ship/</link>
			</item>
	<item>
		<title>Gulp! 2012 Looks like it will be fun</title>
		<description><![CDATA[According to the government 2012 will be a year of plenty with the golden shower of the Olympic Games to sustain us; but not everyone is quite so sanguine with fool.co.uk leading the chorus of doomsayers who believe that life could get very hard for people living in the UK.
Lets not discuss the cost of [...]]]></description>
		<link>http://loans.scotland.org.uk/debt/gulp-2012-looks-like-it-will-be-fun/</link>
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	<item>
		<title>Save Money Don&#8217;t Shop at Supermarkets</title>
		<description><![CDATA[All the discussion supermarkets and their prices seems to miss the point about what it costs to shop at supermarkets. Let&#8217;s start with &#8220;the facts&#8221;: supermarkets do drive down the cost of individual items in your shopping basket so shopping at a supermarket does on the face of it save you money!
But look at it [...]]]></description>
		<link>http://loans.scotland.org.uk/cashflow/save-money-dont-shop-at-supermarkets/</link>
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		<title>Bankruptcy is thin edge of wedge&#8230;</title>
		<description><![CDATA[Bankruptcy statistics always get the interest of the press mainly because they are dramatic. So for example a record number of people petitioned to go bankrupt in 2007! Woooooooooooh! In England and Wales a total of 53,114 people petitioned to  bankrupt themselves after being    unable to keep up with their debts, [...]]]></description>
		<link>http://loans.scotland.org.uk/savings/bankruptcy-is-thin-edge-of-wedge/</link>
			</item>
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		<title>Helping Scots get a grip on their finances</title>
		<description><![CDATA[With the savings ratio at an all time low, and more and more people struggling to balance bills at the end of the month, the government is asking what is to be done to improve people&#8217;s management of their finances.
Proposals to integrate financial education into secondary schools sounds far too little &#8211; a question of [...]]]></description>
		<link>http://loans.scotland.org.uk/debt/helping-scots-get-a-grip-on-their-finances/</link>
			</item>
	<item>
		<title>Thinking of debt instead of Christmas?</title>
		<description><![CDATA[1.7 million people had debt problems in 2006/07 according to charity Citizens Advice, this shows that not only the US has a credit problem
It&#8217;s scary how much debt people on average are getting themselves into and of course, debt levels vary widely across the UK.  So here are a few easy tests to see [...]]]></description>
		<link>http://loans.scotland.org.uk/debt/thinking-of-debt-instead-of-christmas/</link>
			</item>
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		<title>Buy to Let: saint or sinner</title>
		<description><![CDATA[Are buy to let owners speculators or investors who take otherwise undesirable properties, maintain them and provide a rental accommodation sector that local councils no longer provide?

As various experts ponder on the long term future of buy to let and also question whether the sector contributes to the economy or simply pushes up house prices, [...]]]></description>
		<link>http://loans.scotland.org.uk/mortgages/buy-to-let-saint-or-sinner/</link>
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	<item>
		<title>Supermarket Prices Go Up 12%</title>
		<description><![CDATA[Mysupermarket.com reports that prices for a basket of 25 goods has risen by an average of 12% over the past year which equates to an extra £750 extra per year for the average household.
Debtbusting solution? Buy less, buy with more frequency, and buy more carefully.
A visit to the supermarket and a scan of the trolleys [...]]]></description>
		<link>http://loans.scotland.org.uk/cashflow/supermarket-prices-go-up-12/</link>
			</item>
	<item>
		<title>Edinburgh Market Up or Down</title>
		<description><![CDATA[There are mixed signals on Edinburgh property market: the Edinburgh Evening News and ESPC puffing like mad and Jo Citizen saying it is nothing but propaganda &#8211; read the comments on The Scotsman.
Edinburgh, like London has a mind of its own as &#8220;buy to letters&#8221; pour in to buy quality and supposedly high rental incomes.
Round [...]]]></description>
		<link>http://loans.scotland.org.uk/mortgages/edinburgh-market-up-or-down/</link>
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