<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Money Fieldnotes</title><link>https://money.editorialdeskmedia.com/</link><description>Independent US banking, budgeting, and credit guides. Compare the details, run your numbers, and make a decision you can explain.</description><language>en</language><atom:link href="https://money.editorialdeskmedia.com/feed.xml" rel="self" type="application/rss+xml"/><item><title>Choose a budget workflow by rehearsing the import and the exit</title><link>https://money.editorialdeskmedia.com/guides/budget-workflow-export-rehearsal</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/budget-workflow-export-rehearsal</guid><description>Use a small invented ledger to compare your spreadsheet, PocketSmith or Lunch Money without first handing over your financial history. Editorial review date: 2026-09-19.</description></item><item><title>A budgeting app needs a job description.</title><link>https://money.editorialdeskmedia.com/guides/budget-app-or-spreadsheet</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/budget-app-or-spreadsheet</guid><description>Compare a paid subscription with the routine you can keep for free. Editorial review date: 2026-09-15.</description></item><item><title>Does that annual fee actually earn its place?</title><link>https://money.editorialdeskmedia.com/guides/cash-back-break-even</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/cash-back-break-even</guid><description>Measure extra rewards against a no-fee alternative, using your normal spending. Editorial review date: 2026-09-15.</description></item><item><title>A $0 monthly fee is only the beginning.</title><link>https://money.editorialdeskmedia.com/guides/checking-account-costs</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/checking-account-costs</guid><description>Compare two checking accounts around the way you actually use money. Editorial review date: 2026-09-15.</description></item><item><title>The loan amount is not always the cash you receive.</title><link>https://money.editorialdeskmedia.com/guides/loan-offer-fine-print</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/loan-offer-fine-print</guid><description>Separate payment, interest, and an origination fee before comparing offers. Editorial review date: 2026-09-15.</description></item><item><title>Balance-transfer offers: calculate the fee and the payoff deadline</title><link>https://money.editorialdeskmedia.com/guides/balance-transfer-promotion-cost</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/balance-transfer-promotion-cost</guid><description>Separate the transfer fee, promotion length, purchase interest and repayment capacity before comparing a US credit-card offer. Editorial review date: 2026-09-14.</description></item><item><title>Bank account bonuses: turn the offer conditions into a calendar</title><link>https://money.editorialdeskmedia.com/guides/bank-bonus-qualification-checklist</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/bank-bonus-qualification-checklist</guid><description>Record qualification rules, deadlines and evidence before counting a US account-opening bonus in your budget. Editorial review date: 2026-09-14.</description></item><item><title>Savings APY versus account fees: find the balance that changes the answer</title><link>https://money.editorialdeskmedia.com/guides/savings-apy-fee-break-even</link><guid isPermaLink="true">https://money.editorialdeskmedia.com/guides/savings-apy-fee-break-even</guid><description>Use an explicit constant-balance example to compare extra interest with recurring fees, then identify what the simple model leaves out. Editorial review date: 2026-09-14.</description></item></channel></rss>