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         <title>S.M.A.R.T. GOALS</title>
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         <description><![CDATA[<div><strong>S</strong>pecific<br><strong>M</strong>easurable<br><strong>A</strong>ttainable<br><strong>R</strong>elevant<br><strong>T</strong>ime-bound<br>make sure you goal is SMART, and your money spending habits will improve greatly. </div>]]></description>
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         <description><![CDATA[<div><strong>D</strong>efine your goal<br><strong>E</strong>stablish your criteria<br><strong>C</strong>hoose 2 or 3 good options<br><strong>I</strong>dentify the pros + cons<br><strong>D</strong>ecide what's best<br><strong>E</strong>valuate the results<br><br></div>]]></description>
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