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	<title>Our Own Time</title>
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	<link>http://ourowntime.wordpress.com</link>
	<description>A blog about retirement - planning for it, easing into it, dealing with the challenges and the opportunities of life without a paycheck</description>
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		<title>Our Own Time</title>
		<link>http://ourowntime.wordpress.com</link>
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		<title>How to Get Yourself to Exercise  – Pay Yourself First</title>
		<link>http://ourowntime.wordpress.com/2011/01/25/how-to-get-yourself-to-exercise-%e2%80%93-pay-yourself-first/</link>
		<comments>http://ourowntime.wordpress.com/2011/01/25/how-to-get-yourself-to-exercise-%e2%80%93-pay-yourself-first/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 18:55:25 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[activities]]></category>
		<category><![CDATA[Time management]]></category>
		<category><![CDATA[Adventures]]></category>
		<category><![CDATA[cross country skiing]]></category>
		<category><![CDATA[exercise]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=285</guid>
		<description><![CDATA[It used to be that doctors recommended rest for all kinds of conditions.  Child birth.  Stay in bed for a week.  Major surgery.  Don’t even think of getting up and moving.  Feeling stressed?  The Victorians went to the beach and &#8230; <a href="http://ourowntime.wordpress.com/2011/01/25/how-to-get-yourself-to-exercise-%e2%80%93-pay-yourself-first/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=285&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2011/01/25/how-to-get-yourself-to-exercise-%e2%80%93-pay-yourself-first/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>I don’t do winter camping – well maybe in a heated yurt</title>
		<link>http://ourowntime.wordpress.com/2010/11/22/i-don%e2%80%99t-do-winter-camping-%e2%80%93-well-maybe-in-a-heated-yurt/</link>
		<comments>http://ourowntime.wordpress.com/2010/11/22/i-don%e2%80%99t-do-winter-camping-%e2%80%93-well-maybe-in-a-heated-yurt/#comments</comments>
		<pubDate>Tue, 23 Nov 2010 02:49:17 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[activities]]></category>
		<category><![CDATA[Adventures]]></category>
		<category><![CDATA[Natural History]]></category>
		<category><![CDATA[cross country skiing]]></category>
		<category><![CDATA[nature]]></category>
		<category><![CDATA[taking a chance]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=274</guid>
		<description><![CDATA[A few of you may have read about the cold night I spent in Queen Wilhelmena State Park last March.  I have one rule when it comes to camping.  I don’t camp in the winter.  So how did I get from &#8230; <a href="http://ourowntime.wordpress.com/2010/11/22/i-don%e2%80%99t-do-winter-camping-%e2%80%93-well-maybe-in-a-heated-yurt/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=274&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/11/22/i-don%e2%80%99t-do-winter-camping-%e2%80%93-well-maybe-in-a-heated-yurt/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
	
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			<media:title type="html">ourowntime</media:title>
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			<media:title type="html">DSCN1651</media:title>
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		<title>The Best Laid Schemes of Mice and Men</title>
		<link>http://ourowntime.wordpress.com/2010/11/12/the-best-laid-schemes-of-mice-and-men/</link>
		<comments>http://ourowntime.wordpress.com/2010/11/12/the-best-laid-schemes-of-mice-and-men/#comments</comments>
		<pubDate>Fri, 12 Nov 2010 22:04:51 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[security]]></category>
		<category><![CDATA[taking a chance]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=270</guid>
		<description><![CDATA[I have a plan.  My plan is to retire fully in three years so that Bill and I can enjoy more of the active travel we love while we still can.  We’ll go cross country skiing in New England and &#8230; <a href="http://ourowntime.wordpress.com/2010/11/12/the-best-laid-schemes-of-mice-and-men/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=270&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/11/12/the-best-laid-schemes-of-mice-and-men/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
	
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		<item>
		<title>Outdoors in the Midwest – Cuivre River State Park, Missouri &#8211; or having time to do what you love</title>
		<link>http://ourowntime.wordpress.com/2010/10/26/outdoors-in-the-midwest-%e2%80%93-cuivre-river-state-park-missouri-or-having-time-to-do-what-you-love/</link>
		<comments>http://ourowntime.wordpress.com/2010/10/26/outdoors-in-the-midwest-%e2%80%93-cuivre-river-state-park-missouri-or-having-time-to-do-what-you-love/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 03:20:48 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[activities]]></category>
		<category><![CDATA[Natural History]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[camping]]></category>
		<category><![CDATA[learning new things]]></category>
		<category><![CDATA[Missouri State Parks]]></category>
		<category><![CDATA[passions]]></category>
		<category><![CDATA[semi-retirement]]></category>
		<category><![CDATA[volunteering]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=263</guid>
		<description><![CDATA[There are nature people and there are people who don’t do nature.  Though I don’t understand the people who don’t do nature, I will forgive them if they want to skip this post, because it is all about my love for nature.  &#8230; <a href="http://ourowntime.wordpress.com/2010/10/26/outdoors-in-the-midwest-%e2%80%93-cuivre-river-state-park-missouri-or-having-time-to-do-what-you-love/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=263&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/10/26/outdoors-in-the-midwest-%e2%80%93-cuivre-river-state-park-missouri-or-having-time-to-do-what-you-love/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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			<media:title type="html">ourowntime</media:title>
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		<media:content url="http://ourowntime.files.wordpress.com/2010/10/img_4531.jpg?w=300" medium="image">
			<media:title type="html">Yellow leaves</media:title>
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		<item>
		<title>Does early retirement harm your memory?</title>
		<link>http://ourowntime.wordpress.com/2010/10/11/does-early-retirement-harm-your-memory/</link>
		<comments>http://ourowntime.wordpress.com/2010/10/11/does-early-retirement-harm-your-memory/#comments</comments>
		<pubDate>Tue, 12 Oct 2010 01:08:59 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[activities]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[memory]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=256</guid>
		<description><![CDATA[Doesn’t everyone have an opinionated relative who says he’ll never retire because he had a friend who retired and then died the next week (month, whatever)?  As much as I look forward to retirement, I sometimes wonder if those who think it isn’t such &#8230; <a href="http://ourowntime.wordpress.com/2010/10/11/does-early-retirement-harm-your-memory/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=256&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/10/11/does-early-retirement-harm-your-memory/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
	
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		<item>
		<title>Spend less and save more &#8211; a book review of &#8220;the hard times guide to retirement security&#8221; by Mark Miller</title>
		<link>http://ourowntime.wordpress.com/2010/10/07/spend-less-and-save-more-a-book-review-of-the-hard-times-guide-to-retirement-security-by-mark-miller-2/</link>
		<comments>http://ourowntime.wordpress.com/2010/10/07/spend-less-and-save-more-a-book-review-of-the-hard-times-guide-to-retirement-security-by-mark-miller-2/#comments</comments>
		<pubDate>Thu, 07 Oct 2010 22:03:08 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[personal finance books]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=243</guid>
		<description><![CDATA[Real  estate shows on the Home and Garden Network drive me nuts.  You know the shows &#8211; a first time home buyer viewing a series of starter homes, or someone trying to find a buyer for the McMansion that they &#8230; <a href="http://ourowntime.wordpress.com/2010/10/07/spend-less-and-save-more-a-book-review-of-the-hard-times-guide-to-retirement-security-by-mark-miller-2/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=243&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/10/07/spend-less-and-save-more-a-book-review-of-the-hard-times-guide-to-retirement-security-by-mark-miller-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">ourowntime</media:title>
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		<item>
		<title>Why I’ve decided to take fitness seriously – again</title>
		<link>http://ourowntime.wordpress.com/2010/09/14/why-i%e2%80%99ve-decided-to-take-fitness-seriously-%e2%80%93-again/</link>
		<comments>http://ourowntime.wordpress.com/2010/09/14/why-i%e2%80%99ve-decided-to-take-fitness-seriously-%e2%80%93-again/#comments</comments>
		<pubDate>Wed, 15 Sep 2010 02:53:33 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[activities]]></category>
		<category><![CDATA[Adventures]]></category>
		<category><![CDATA[exercise]]></category>
		<category><![CDATA[kayaking]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=227</guid>
		<description><![CDATA[We’ve floated the Kaw River with a strong head wind.  We’ve floated the Kaw in the rain.  But a week ago we floated the Kaw with blue skies, 80 degree temperatures, lunch served on the bank and all kinds of fun &#8230; <a href="http://ourowntime.wordpress.com/2010/09/14/why-i%e2%80%99ve-decided-to-take-fitness-seriously-%e2%80%93-again/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=227&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/09/14/why-i%e2%80%99ve-decided-to-take-fitness-seriously-%e2%80%93-again/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">ourowntime</media:title>
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		<media:content url="http://ourowntime.files.wordpress.com/2010/09/img_3838.jpg?w=300" medium="image">
			<media:title type="html">Kaw River flotilla</media:title>
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	</item>
		<item>
		<title>The Fruits of our Labor: paying off the house</title>
		<link>http://ourowntime.wordpress.com/2010/08/24/the-fruits-of-our-labor-paying-off-the-house/</link>
		<comments>http://ourowntime.wordpress.com/2010/08/24/the-fruits-of-our-labor-paying-off-the-house/#comments</comments>
		<pubDate>Tue, 24 Aug 2010 21:47:06 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[security]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=213</guid>
		<description><![CDATA[Shortly after Labor Day we will retire our mortgage.  Completely.  Just 14 years after we put 20% down on a 1949 Cape Cod style home it will be 100% ours.  And a month later we will celebrate our 14th wedding &#8230; <a href="http://ourowntime.wordpress.com/2010/08/24/the-fruits-of-our-labor-paying-off-the-house/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=213&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/08/24/the-fruits-of-our-labor-paying-off-the-house/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
	
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			<media:title type="html">ourowntime</media:title>
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		<media:content url="http://ourowntime.files.wordpress.com/2010/08/img_2041.jpg?w=300" medium="image">
			<media:title type="html">Will those bushes grow?</media:title>
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		<title>Has Retirement Advice Changed Because of the Economic Mess?</title>
		<link>http://ourowntime.wordpress.com/2010/08/09/has-retirement-advice-changed-because-of-the-economic-mess/</link>
		<comments>http://ourowntime.wordpress.com/2010/08/09/has-retirement-advice-changed-because-of-the-economic-mess/#comments</comments>
		<pubDate>Tue, 10 Aug 2010 02:13:34 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=202</guid>
		<description><![CDATA[Let’s face it, the economy is a shambles.  Unemployment is high, retail sales are low.  We don’t know when things will get better. I&#8217;ve got more questions than answers.  How does a very long economic downturn affect those currently retired, those about &#8230; <a href="http://ourowntime.wordpress.com/2010/08/09/has-retirement-advice-changed-because-of-the-economic-mess/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=202&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/08/09/has-retirement-advice-changed-because-of-the-economic-mess/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
	
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			<media:title type="html">ourowntime</media:title>
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		<title>Retirement Quests</title>
		<link>http://ourowntime.wordpress.com/2010/07/05/retirement-quests/</link>
		<comments>http://ourowntime.wordpress.com/2010/07/05/retirement-quests/#comments</comments>
		<pubDate>Mon, 05 Jul 2010 19:51:50 +0000</pubDate>
		<dc:creator>ourowntime</dc:creator>
				<category><![CDATA[activities]]></category>
		<category><![CDATA[Adventures]]></category>
		<category><![CDATA[Natural History]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[bicycling]]></category>
		<category><![CDATA[nature]]></category>
		<category><![CDATA[quests]]></category>

		<guid isPermaLink="false">http://ourowntime.wordpress.com/?p=187</guid>
		<description><![CDATA[Our friend, Tom has a retirement quest.  He wants to ride his bicycle across the U.S.  Not all at once, but in installments.  And though he is riding from West to East, he isn’t riding the segments in order.  Three &#8230; <a href="http://ourowntime.wordpress.com/2010/07/05/retirement-quests/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=ourowntime.wordpress.com&amp;blog=9012886&amp;post=187&amp;subd=ourowntime&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://ourowntime.wordpress.com/2010/07/05/retirement-quests/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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			<media:title type="html">Morrison State Park, Ill</media:title>
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		<media:content url="http://ourowntime.files.wordpress.com/2010/07/img_3446.jpg?w=150" medium="image">
			<media:title type="html">Downhill is nice.</media:title>
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			<media:title type="html">Self explanatory</media:title>
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