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<loc>https://www.pocketsmith.com/global-personal-finance-software/canada/</loc>
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<loc>https://www.pocketsmith.com/global-personal-finance-software/united-states-of-america/</loc>
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<url>
<loc>https://www.pocketsmith.com/instagram/</loc>
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<loc>https://www.pocketsmith.com/spending/</loc>
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<loc>https://www.pocketsmith.com/memories/</loc>
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<loc>https://www.pocketsmith.com/microsoft-money-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/mint-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/mobile-app/</loc>
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<url>
<loc>https://www.pocketsmith.com/monarch-money-app-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/money-dashboard-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/moneybrilliant-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/moneyhub-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/mvelopes-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/personal-capital-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/plan-ahead/about-pocketsmith/</loc>
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</url>
<url>
<loc>https://www.pocketsmith.com/plan-ahead/dermot/</loc>
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</url>
<url>
<loc>https://www.pocketsmith.com/plan-ahead/devin/</loc>
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<url>
<loc>https://www.pocketsmith.com/plan-ahead/ellen-and-max/</loc>
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<url>
<loc>https://www.pocketsmith.com/plan-ahead/get-to-know-your-spending/</loc>
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<url>
<loc>https://www.pocketsmith.com/plan-ahead/</loc>
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<url>
<loc>https://www.pocketsmith.com/plan-ahead/looking-into-your-financial-future/</loc>
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</url>
<url>
<loc>https://www.pocketsmith.com/plan-ahead/samm/</loc>
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<url>
<loc>https://www.pocketsmith.com/plan-ahead/sign-up-free/</loc>
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<url>
<loc>https://www.pocketsmith.com/plan-ahead/what-if-scenarios/</loc>
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<url>
<loc>https://www.pocketsmith.com/pocketbook-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/pocketsmith-product-history-and-future/</loc>
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<url>
<loc>https://www.pocketsmith.com/quicken-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/toshl-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/wemoney-app-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/xero-personal/</loc>
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<url>
<loc>https://www.pocketsmith.com/ynab-alternative/</loc>
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<url>
<loc>https://www.pocketsmith.com/about/</loc>
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<loc>https://www.pocketsmith.com/community/digital-nomads/</loc>
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<url>
<loc>https://www.pocketsmith.com/community/investors/</loc>
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<url>
<loc>https://www.pocketsmith.com/community/todays-households/</loc>
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<url>
<loc>https://www.pocketsmith.com/features/accounts-and-transactions/</loc>
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<url>
<loc>https://www.pocketsmith.com/features/reporting/</loc>
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<loc>https://www.pocketsmith.com/</loc>
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<loc>https://www.pocketsmith.com/legal/cookie-policy/</loc>
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<loc>https://www.pocketsmith.com/methodologies/</loc>
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<url>
<loc>https://www.pocketsmith.com/open-banking/australia/</loc>
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<url>
<loc>https://www.pocketsmith.com/open-banking/</loc>
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<url>
<loc>https://www.pocketsmith.com/security/</loc>
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<loc>https://www.pocketsmith.com/tour/</loc>
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<loc>https://www.pocketsmith.com/tour/advisor-access/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/automatic-bank-feeds/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/budget-calendar/</loc>
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<loc>https://www.pocketsmith.com/tour/budgets/</loc>
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<loc>https://www.pocketsmith.com/tour/cash-flow-forecasts/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/cashflow-statement/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/dashboard/</loc>
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<loc>https://www.pocketsmith.com/tour/email-notifications/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/import-from-mint-quicken-ynab-buxfer/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/income-expense/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/multi-currency/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/net-worth/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/recommended-by-xero/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/transactions/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/two-factor-authentication/</loc>
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<url>
<loc>https://www.pocketsmith.com/tour/what-if-scenarios/</loc>
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</url>
<url>
<loc>https://www.pocketsmith.com/white-papers/</loc>
<lastmod>2026-04-02T02:39:55+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/why/</loc>
<lastmod>2026-04-02T02:39:55+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/bank-feed-account-number-dependency-update/</loc>
<lastmod>2011-12-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/forecast-reload-notification-system-update/</loc>
<lastmod>2011-12-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/cashflow-transfer-forecast-event-bug-fixed/</loc>
<lastmod>2011-12-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/version-one-ical-export-functioning-again/</loc>
<lastmod>2011-12-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/bank-feed-service-in-public-beta-mfa-support-coming/</loc>
<lastmod>2012-01-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pdf-invoices-available-again/</loc>
<lastmod>2012-01-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/bank-feed-auto-categorize-transactions-where-possible-now-optional/</loc>
<lastmod>2012-01-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/balance-updates-for-bank-feeds-and-transaction-accounts/</loc>
<lastmod>2012-01-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/all-loan-accounts-now-showing-in-bank-feed-service/</loc>
<lastmod>2012-01-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/goals-area-fixes-and-adjustments-mfa-in-days-markdown5-mobile-app-in-weeks/</loc>
<lastmod>2012-02-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/webcal-exports-for-forecast-calendars-available-again/</loc>
<lastmod>2012-02-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/multi-factor-authentication-now-in-public-beta/</loc>
<lastmod>2012-02-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pending-transactions-now-ignored-in-the-bank-feed-service/</loc>
<lastmod>2012-02-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/manual-cash-account-balance-fixes-account-form-balance-display-adjusted/</loc>
<lastmod>2012-02-25T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/updates-for-complex-login-forms-from-bank-feed-service-deployed/</loc>
<lastmod>2012-02-27T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/all-loan-accounts-now-correctly-displayed-in-bank-feed-service/</loc>
<lastmod>2012-02-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/event-chain-bug-patched-solves-personal-summary-problem/</loc>
<lastmod>2012-03-05T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/image-multi-factor-type-captcha-s-now-supported/</loc>
<lastmod>2012-03-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/multiple-logins-at-one-bank-robust-login-form-handling-wiki-links-make-appearance/</loc>
<lastmod>2012-03-15T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/alert-adjustments-and-time-zone-bug-fixed/</loc>
<lastmod>2012-03-21T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/multi-factor-authentication-field-display-improvements-deployed/</loc>
<lastmod>2012-03-27T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/bank-feed-transaction-amount-changes-mobile-application-progress-updates/</loc>
<lastmod>2012-04-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/bank-feed-service-temporary-outage-resolved/</loc>
<lastmod>2012-04-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-mobile-public-alpha-release/</loc>
<lastmod>2012-04-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/application-server-upgrade-downtime-sunday-20th-may-9am-utc-2am-pst-9pm-nzst/</loc>
<lastmod>2012-05-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/personal-summary-for-any-time-period-plus-csv-category-assignments/</loc>
<lastmod>2012-05-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/mobile-app-fixes-and-personal-summary-updates/</loc>
<lastmod>2012-06-21T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/user-interface-updates/</loc>
<lastmod>2012-07-03T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-accept-pending-transactions-option-for-bank-feed-service/</loc>
<lastmod>2012-07-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/database-server-performance-improvements/</loc>
<lastmod>2012-07-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/google-federated-login-introduced-login-with-one-click/</loc>
<lastmod>2012-07-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/more-help-tweaked-design-better-preferences-and-improved-bank-feeds/</loc>
<lastmod>2012-08-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/more-flexible-cashflows-and-personal-summary-updated-mobile-interfaces/</loc>
<lastmod>2012-09-14T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/preview-inside-application-downtime-for-upgrades-monday-24th-september-10am-utc-3am-pst-10pm-nzst/</loc>
<lastmod>2012-09-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/transaction-filters-bulk-actions-and-personal-summary-averages/</loc>
<lastmod>2012-09-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/sunday-7th-october-bank-feed-data-provider-experiencing-technical-difficulties/</loc>
<lastmod>2012-10-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/calendar-to-account-balance-sync-new-dashboard-public-roadmap/</loc>
<lastmod>2012-11-27T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/investment-account-feeds-available-more-flexible-personal-summary-and-more/</loc>
<lastmod>2012-12-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/happy-new-year-seeing-out-2012-with-the-new-account-update-email/</loc>
<lastmod>2012-12-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/bank-feed-data-provider-experiencing-technical-problems-13th-march-2013/</loc>
<lastmod>2013-03-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/server-security-upgrades-19th-april-2013/</loc>
<lastmod>2013-04-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-v2-5-upgrade-sunday-23rd-june/</loc>
<lastmod>2013-06-21T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/bank-feed-data-provider-site-updates-july-2013/</loc>
<lastmod>2013-07-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/account-current-balance-system-enhancements/</loc>
<lastmod>2013-08-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/transactions-now-have-notes-and-can-be-exported/</loc>
<lastmod>2013-09-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/xero-personal-migration-tool-cashflow-updates-transfers-and-more/</loc>
<lastmod>2013-10-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/server-upgrades-on-15-10-2013-and-live-bank-feed-site-updates/</loc>
<lastmod>2013-10-14T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-servers-for-pocketsmith/</loc>
<lastmod>2013-10-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/xero-personal-note-imports-better-live-feed-import-options-account-ordering/</loc>
<lastmod>2013-10-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/forecast-improvements-and-account-summary-screenshots/</loc>
<lastmod>2013-11-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/updates-to-how-pocketsmith-manages-accounts-and-forecasts/</loc>
<lastmod>2013-11-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/account-summary-in-beta-more-reliable-feeds-continued-improvements-fixes-for-password-autofills/</loc>
<lastmod>2013-12-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/refunds-in-pocketsmith-have-been-fixed-plus-other-updates/</loc>
<lastmod>2014-01-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/server-upgrades-wednesday-26th-march-2014/</loc>
<lastmod>2014-03-25T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-security-update-regarding-heartbleed-vulnerability/</loc>
<lastmod>2014-04-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/various-minor-improvments-and-enhanced-bank-statements-coming-soon/</loc>
<lastmod>2014-05-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/annual-subscriptions-feelings-bank-statements-alpha-other-updates/</loc>
<lastmod>2014-05-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/update-required-for-the-live-feed-system/</loc>
<lastmod>2014-06-27T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/breakdown-of-application-and-live-feed-downtime-on-27th-june-2014/</loc>
<lastmod>2014-06-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/live-bank-feed-site-updates/</loc>
<lastmod>2014-07-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/2fa-orginal-merchant-and-other-updates/</loc>
<lastmod>2014-07-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/net-worth-in-beta-updated-menu-new-toolbar-and-labelling/</loc>
<lastmod>2014-08-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/downtime-for-bank-statements-release-28-aug-2014/</loc>
<lastmod>2014-08-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/upcoming-features-income-expense-send-to-xero-tours/</loc>
<lastmod>2014-10-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/recent-changes-and-live-feed-site-support-updates/</loc>
<lastmod>2014-11-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/we-present-to-you-multiple-currency-support-seasons-greetings/</loc>
<lastmod>2014-12-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zoomable-graph/</loc>
<lastmod>2015-02-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/scheduled-maintenance-24th-february-2015/</loc>
<lastmod>2015-02-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-pie-chart-for-bank-statements/</loc>
<lastmod>2015-02-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/71-bank-statements-view-now-displays-pie-charts-first/</loc>
<lastmod>2015-02-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/70-tools-drop-down-to-find-duplicates-and-suspected-t/</loc>
<lastmod>2015-02-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/72-more-robust-transaction-splitting/</loc>
<lastmod>2015-03-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/73-advisor-access-now-lets-you-invite-an-advisor-to-m/</loc>
<lastmod>2015-03-04T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/80-historical-forecast-and-budget-information-calcula/</loc>
<lastmod>2015-03-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/81-bank-statments-pie-chart-respects-search-dates-by/</loc>
<lastmod>2015-03-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/79-editing-from-budgets-page-now-reloads-forecast-cor/</loc>
<lastmod>2015-03-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/74-calendar-upgrade-and-tweaks-to-balances/</loc>
<lastmod>2015-03-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/75-live-bank-feed-service-problems-causing-unexpected/</loc>
<lastmod>2015-03-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/76-incorrect-future-transactions-no-longer-breaks-cur/</loc>
<lastmod>2015-03-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/77-online-shopping-sites-are-now-available-as-live-fe/</loc>
<lastmod>2015-04-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/78-bulk-actions-control-change-and-category-update-fi/</loc>
<lastmod>2015-04-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/82-uncategorised-in-cashflows-feed-search-and-export/</loc>
<lastmod>2015-04-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/83-revamped-google-authentication-and-email-confirmat/</loc>
<lastmod>2015-04-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/84-categorisation-behaviour-improved-on-bank-statemen/</loc>
<lastmod>2015-04-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/85-improvements-to-fuzzy-live-feed-search/</loc>
<lastmod>2015-04-21T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/94-net-worth-accounts-actual-balances-in-the-graph/</loc>
<lastmod>2015-04-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/95-cashflows-uncategorized-row-can-be-hidden-annua/</loc>
<lastmod>2015-04-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/96-rule-creation-checkbox-when-categorizing-is-now-re/</loc>
<lastmod>2015-05-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/97-category-being-it-s-own-parent-and-budget-form-val/</loc>
<lastmod>2015-05-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/98-new-option-to-combine-payee-and-memo-for-file-uplo/</loc>
<lastmod>2015-05-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/99-account-summary-grouped-account-and-net-worth-bug/</loc>
<lastmod>2015-05-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/100-bank-feeds-bug-fix-and-update-on-new-user-interfac/</loc>
<lastmod>2015-05-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/101-test-drive-the-new-user-interface-right-now/</loc>
<lastmod>2015-05-25T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/102-main-website-unexpected-downtime-30th-may/</loc>
<lastmod>2015-05-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/103-change-round-up-week-of-1st-june-2015/</loc>
<lastmod>2015-06-04T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/104-progress-on-new-ui-take-it-for-a-spin-this-weeken/</loc>
<lastmod>2015-06-05T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/105-scheduled-upgrades-on-tue-june-9-4pm-edt-8pm-ut/</loc>
<lastmod>2015-06-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/106-using-browser-back-button-no-longer-buggy/</loc>
<lastmod>2015-06-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/107-back-end-application-upgrades-performed/</loc>
<lastmod>2015-06-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/108-new-user-interface-beta-available-from-next-week/</loc>
<lastmod>2015-06-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/109-new-user-interface-now-in-beta-https-new-pocket/</loc>
<lastmod>2015-06-25T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/110-multi-currency-support-for-platinum-and-palladium/</loc>
<lastmod>2015-07-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/111-secondary-account-graphs-in-account-summary-now-lo/</loc>
<lastmod>2015-07-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/112-improved-xero-integration/</loc>
<lastmod>2015-07-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/113-final-stages-of-new-user-interface-beta/</loc>
<lastmod>2015-07-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/114-labels-now-included-in-csv-export-bugfix-for-tran/</loc>
<lastmod>2015-08-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/115-account-update-emails-budgets-now-take-refunds-in/</loc>
<lastmod>2015-08-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/116-ordering-of-accounts-in-the-account-summary-fixed/</loc>
<lastmod>2015-08-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/117-new-user-interface-will-launch-tomorrow-august-20/</loc>
<lastmod>2015-08-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/118-welcome-to-the-new-pocketsmith/</loc>
<lastmod>2015-08-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/119-balance-graph-y-axis-bounds-now-reflects-data/</loc>
<lastmod>2015-08-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/120-new-leave-overlapping-transactions-out-option/</loc>
<lastmod>2015-08-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/121-dates-now-remembered-in-dashboard-pie-chart/</loc>
<lastmod>2015-09-04T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/122-calling-all-developers-the-pocketsmith-api-is-he/</loc>
<lastmod>2015-09-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/123-multi-currency-support-now-for-graphs/</loc>
<lastmod>2015-09-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/124-calendar-sidebar-scenario-selection-improvements/</loc>
<lastmod>2015-09-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/125-account-and-scenario-toggle-improvements-in-the-ca/</loc>
<lastmod>2015-10-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/126-we-re-testing-out-a-faster-pocketsmith/</loc>
<lastmod>2015-10-05T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/127-now-you-can-upload-multiple-ofx-and-qif-files-at-o/</loc>
<lastmod>2015-10-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/128-faster-pocketsmith-launches-oct-14-at-1pm-nzt-12/</loc>
<lastmod>2015-10-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/129-faster-pocketsmith-has-arrived/</loc>
<lastmod>2015-10-15T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/130-quick-look-transactions-popup-released/</loc>
<lastmod>2015-10-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/131-net-worth-enhancements-released/</loc>
<lastmod>2015-10-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/132-yodlee-bank-feed-additions-for-november-2015/</loc>
<lastmod>2015-11-04T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/yodlee-bank-feed-additions-november-2015/</loc>
<lastmod>2015-11-05T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/133-live-feed-transactions-won-t-be-re-imported-after/</loc>
<lastmod>2015-11-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/134-transaction-reviewing-has-been-released/</loc>
<lastmod>2015-11-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/135-introducing-your-pocketsmith-digest/</loc>
<lastmod>2015-12-03T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/136-pocketsmith-companion-mobile-app-now-in-beta/</loc>
<lastmod>2015-12-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/137-now-easier-to-reorder-your-categories/</loc>
<lastmod>2016-01-27T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/138-new-categorisation-interface-is-here/</loc>
<lastmod>2016-02-04T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/140-forecast-start-modal-has-been-improved/</loc>
<lastmod>2016-03-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/139-introducing-safe-balance-see-what-s-safe-to-spend/</loc>
<lastmod>2016-03-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/141-loading-pocketsmith-is-now-faster/</loc>
<lastmod>2016-03-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/143-better-multi-currency-handing-in-cashflows/</loc>
<lastmod>2016-04-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/144-unhide-category-directly-from-budgets-page/</loc>
<lastmod>2016-04-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/145-split-transaction-handling-improvements/</loc>
<lastmod>2016-04-14T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/146-cashflows-now-allows-future-date-selection/</loc>
<lastmod>2016-04-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/147-institutions-now-known-as-banks/</loc>
<lastmod>2016-05-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/148-transaction-confirmation-mode-now-sortable/</loc>
<lastmod>2016-05-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/142-digest-and-log-in-management-improvements/</loc>
<lastmod>2016-05-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/149-see-how-a-transaction-was-filtered/</loc>
<lastmod>2016-06-03T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/150-anz-money-manager-express-import-and-migration-gui/</loc>
<lastmod>2016-06-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/151-sneak-peek-of-new-category-analysis-and-roll-up-bu/</loc>
<lastmod>2016-07-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/152-1-671-new-banks-now-available-in-pocketsmith/</loc>
<lastmod>2016-07-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/yodlee-bank-feed-additions-and-removals-july-2016/</loc>
<lastmod>2016-07-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/153-bank-feed-maintenance-this-sunday/</loc>
<lastmod>2016-08-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/154-better-hiding-of-report-rows-and-new-beta-budget/</loc>
<lastmod>2016-08-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/155-bill-reminder-emails-now-in-beta/</loc>
<lastmod>2016-08-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/157-new-income-expense-export-transaction-report/</loc>
<lastmod>2016-08-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/158-new-budget-analysis-near-release/</loc>
<lastmod>2016-10-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/159-new-budget-and-trends-features-are-now-live/</loc>
<lastmod>2016-10-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/160-pocketsmith-offline-for-maintenance-10am-nzt-oct/</loc>
<lastmod>2016-10-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/161-attach-files-and-photos-to-transactions/</loc>
<lastmod>2016-11-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/162-transfers-are-now-found-automatically/</loc>
<lastmod>2016-11-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/163-brand-new-ios-app-launched/</loc>
<lastmod>2016-11-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/164-seasons-greetings-from-the-pocketsmith-team/</loc>
<lastmod>2016-12-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/166-friendly-weekly-digest-email-delivered-to-your-inb/</loc>
<lastmod>2016-12-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/167-timeline-a-journal-guided-by-your-spending-activi/</loc>
<lastmod>2016-12-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/168-gift-pocketsmith-to-a-friend/</loc>
<lastmod>2016-12-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/169-introducing-the-pocketsmith-desktop-app-happy-new/</loc>
<lastmod>2016-12-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/171-now-you-can-search-the-timeline/</loc>
<lastmod>2017-01-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/172-pocketsmith-offline-to-move-to-new-servers-12am-u/</loc>
<lastmod>2017-02-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/173-new-infrastructure-and-full-emoji-support/</loc>
<lastmod>2017-02-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/174-dashboard-pie-colours-now-reflect-category-colours/</loc>
<lastmod>2017-04-27T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/175-new-releases-for-ios-and-desktop-applications/</loc>
<lastmod>2017-05-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/176-improved-interface-for-managing-category-rules/</loc>
<lastmod>2017-06-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/yodlee-bank-feed-additions-reactivations-and-removals-july-2017/</loc>
<lastmod>2017-07-27T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/177-improved-bank-feed-searching/</loc>
<lastmod>2017-07-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/178-new-way-to-create-category-rules/</loc>
<lastmod>2017-08-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/179-introducing-attachment-inbox/</loc>
<lastmod>2017-11-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/180-smarter-transfer-handling-for-categories-and-trans/</loc>
<lastmod>2017-12-15T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/181-the-budget-page-has-had-a-makeover/</loc>
<lastmod>2017-12-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/182-win-free-pocketsmith-for-you-and-a-friend/</loc>
<lastmod>2018-01-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/184-the-many-different-faces-of-pocketsmith/</loc>
<lastmod>2018-01-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/185-add-cash-transactions-from-mobile/</loc>
<lastmod>2018-03-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/187-dashboard-in-pocketsmith-s-mobile-apps/</loc>
<lastmod>2018-06-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/186-planned-application-downtime-for-maintenance-all/</loc>
<lastmod>2018-06-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/188-remembering-category-changes-for-new-transactions/</loc>
<lastmod>2018-06-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/189-transaction-totals-and-summing/</loc>
<lastmod>2018-10-08T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/190-we-ve-given-the-budget-form-a-fresh-look/</loc>
<lastmod>2019-01-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/191-multi-currency-support-for-budgets/</loc>
<lastmod>2019-02-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/192-quicker-account-ordering/</loc>
<lastmod>2019-03-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/193-improved-automatic-transfer-marking/</loc>
<lastmod>2019-05-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/194-a-quicker-way-to-adjust-a-new-categories-settings/</loc>
<lastmod>2019-05-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/195-page-tips/</loc>
<lastmod>2019-06-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/196-adding-attachments-in-the-mobile-apps/</loc>
<lastmod>2019-07-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/197-one-off-budget-event-improvements/</loc>
<lastmod>2019-07-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/198-updated-desktop-apps/</loc>
<lastmod>2019-07-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/199-improved-way-to-establish-accounts-from-bank-feed/</loc>
<lastmod>2019-07-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/200-beta-of-new-reminders-feature/</loc>
<lastmod>2019-08-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/201-improvements-for-bank-file-importing/</loc>
<lastmod>2019-09-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/204-improved-connecting-of-bank-feeds/</loc>
<lastmod>2019-09-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/203-improved-mfa-entry-for-bank-feeds/</loc>
<lastmod>2019-10-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/205-multi-currency-enhancements/</loc>
<lastmod>2019-10-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/206-dark-mode-and-budget-widget-for-the-mobile-apps/</loc>
<lastmod>2019-10-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/212-added-salt-edge-bank-feed-integration-for-eu-and-u/</loc>
<lastmod>2019-10-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/207-calendar-with-budgets-added-to-the-mobile-apps/</loc>
<lastmod>2019-11-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/210-search-transactions-by-currency-code/</loc>
<lastmod>2020-01-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/209-bulk-actions-now-available-while-confirming-transa/</loc>
<lastmod>2020-01-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/211-detailed-popup-for-budget-and-bill-events-on-the-c/</loc>
<lastmod>2020-02-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/214-setup-reminders-to-check-your-budgets-and-categori/</loc>
<lastmod>2020-03-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/208-application-downtime-for-maintenance-scheduled-fo/</loc>
<lastmod>2020-03-25T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/213-new-balance-graph-widget-and-screen-in-the-mobile/</loc>
<lastmod>2020-04-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-week-qa-dean-blair-director-of-foxplan/</loc>
<lastmod>2020-04-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-week-qa-sonia-coupe/</loc>
<lastmod>2020-04-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/devin-northrup-uses-pocketsmith-to-categorize-spending/</loc>
<lastmod>2020-05-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-week-qa-kendall-flutey-banqer-co-founder/</loc>
<lastmod>2020-05-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/regan-uses-pocketsmith-to-save-for-his-first-house/</loc>
<lastmod>2020-05-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-week-qa-hannah-mcqueen-founder-enableme/</loc>
<lastmod>2020-05-02T15:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/jason-uses-pocketsmith-to-track-more-than-just-finances/</loc>
<lastmod>2020-05-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/oliver-tracks-his-uk-and-au-bank-accounts-with-pocketsmith/</loc>
<lastmod>2020-05-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/dermot-predicts-his-familys-financial-future-with-pocketsmith/</loc>
<lastmod>2020-05-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/sue-tracks-her-renovations-and-travel-spend-with-pocketsmith/</loc>
<lastmod>2020-05-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/using-pocketsmith-to-forecast-your-bills/</loc>
<lastmod>2020-05-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/amanda-tracks-her-debt-with-pocketsmith/</loc>
<lastmod>2020-05-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/everyday-planning-with-the-pocketsmith-calendar/</loc>
<lastmod>2020-05-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/attachment-inbox-harness-the-power-of-email-in-pocketsmith/</loc>
<lastmod>2020-05-14T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/running-a-household-of-five-on-a-budget-with-pocketsmith/</loc>
<lastmod>2020-05-14T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/whats-the-best-financial-advice-youve-ever-received/</loc>
<lastmod>2020-05-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/newly-weds-ellen-and-max-entwine-their-lives-and-budgets-with-pocketsmith/</loc>
<lastmod>2020-05-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/keep-your-budget-in-tip-top-shape/</loc>
<lastmod>2020-06-03T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-manage-your-money/</loc>
<lastmod>2020-06-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/215-selected-date-range-and-period-remembered-for-tren/</loc>
<lastmod>2020-06-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-calculate-your-personal-net-worth/</loc>
<lastmod>2020-06-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/3-tips-for-keeping-to-a-budget/</loc>
<lastmod>2020-06-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/kevin-uses-pocketsmith-to-track-his-expenses-freelance-work-and-taxes/</loc>
<lastmod>2020-06-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/take-the-financial-guesswork-out-of-filing-your-taxes/</loc>
<lastmod>2020-06-30T04:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-barefoot-investor-buckets-and-accounts-explained/</loc>
<lastmod>2020-07-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-track-the-barefoot-investor-bucket-system-in-pocketsmith/</loc>
<lastmod>2020-07-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-i-found-a-hidden-bill-with-pocketsmith/</loc>
<lastmod>2020-07-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/3-tips-for-managing-debt/</loc>
<lastmod>2020-07-24T03:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/6-questions-with-ruth-spending/</loc>
<lastmod>2020-08-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/5-questions-with-ruth-credit/</loc>
<lastmod>2020-08-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-get-out-of-debt/</loc>
<lastmod>2020-08-11T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-check-your-credit-score/</loc>
<lastmod>2020-08-18T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/8-bad-money-habits-you-can-overcome-today/</loc>
<lastmod>2020-08-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/rollover-budgeting-in-pocketsmith-now-in-beta/</loc>
<lastmod>2020-08-21T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/216-rollover-budgeting-is-now-in-beta-try-it-out/</loc>
<lastmod>2020-08-21T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-understand-your-spending-with-pocketsmith/</loc>
<lastmod>2020-09-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/217-updated-desktop-apps-to-v0-3/</loc>
<lastmod>2020-09-04T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-mindful-spending-can-transform-the-way-you-manage-your-money/</loc>
<lastmod>2020-09-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-is-fire/</loc>
<lastmod>2020-09-15T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-money-lessons-i-learned-from-the-best-dog-fritz/</loc>
<lastmod>2020-09-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-manage-multiple-income-streams/</loc>
<lastmod>2020-09-23T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/managing-multiple-currencies-in-pocketsmith-with-video/</loc>
<lastmod>2020-09-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/218-application-downtime-for-maintenance-scheduled-fo/</loc>
<lastmod>2020-09-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-do-you-achieve-fire/</loc>
<lastmod>2020-10-05T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/using-pocketsmiths-dashboard-to-track-money-goals/</loc>
<lastmod>2020-10-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/gen-z-maddie-asks-millennial-emma-for-money-tips/</loc>
<lastmod>2020-10-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/tracking-your-fire-journey-with-pocketsmith/</loc>
<lastmod>2020-10-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-manage-money-as-a-contractor/</loc>
<lastmod>2020-10-27T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/gen-z-maddie-asks-millennial-emma-for-money-tips-part-2/</loc>
<lastmod>2020-10-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/220-custom-dashboards-feature-preview-is-live/</loc>
<lastmod>2020-10-30T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/custom-dashboards-feature-preview-now-available/</loc>
<lastmod>2020-10-31T23:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/boost-your-income-with-these-five-side-hustles/</loc>
<lastmod>2020-11-10T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/mortgage-holidays-are-ending-heres-what-to-do-next/</loc>
<lastmod>2020-11-11T16:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/tracking-shared-flat-expenses-with-pocketsmith/</loc>
<lastmod>2020-11-15T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-ways-to-cope-with-financial-anxiety/</loc>
<lastmod>2020-11-18T16:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/219-use-the-calendar-to-view-your-account-balances-in/</loc>
<lastmod>2020-11-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/a-guide-to-talking-to-your-partner-about-money/</loc>
<lastmod>2020-11-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/three-ways-advisor-access-can-help-you-achieve-your-money-goals/</loc>
<lastmod>2020-11-25T11:00:00+00:00</lastmod>
</url>
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<lastmod>2020-11-29T16:00:00+00:00</lastmod>
</url>
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<lastmod>2020-12-03T12:00:00+00:00</lastmod>
</url>
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<lastmod>2020-12-09T00:00:00+00:00</lastmod>
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<lastmod>2020-12-12T00:00:00+00:00</lastmod>
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<lastmod>2020-12-15T11:00:00+00:00</lastmod>
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<lastmod>2020-12-19T00:00:00+00:00</lastmod>
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<lastmod>2020-12-19T00:05:00+00:00</lastmod>
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<lastmod>2020-12-21T00:00:00+00:00</lastmod>
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<lastmod>2021-01-04T16:00:00+00:00</lastmod>
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<lastmod>2021-01-07T00:00:00+00:00</lastmod>
</url>
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<lastmod>2021-01-11T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-i-use-pocketsmith-to-plan-my-year-ahead/</loc>
<lastmod>2021-01-13T00:05:00+00:00</lastmod>
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<lastmod>2021-01-19T00:00:00+00:00</lastmod>
</url>
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<lastmod>2021-01-20T16:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-01-26T00:05:00+00:00</lastmod>
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<lastmod>2021-01-27T00:00:00+00:00</lastmod>
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<lastmod>2021-01-27T16:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-02-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/path-to-pocketsmith-data-connections/</loc>
<lastmod>2021-02-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-of-the-best-apps-to-help-you-work-from-home/</loc>
<lastmod>2021-02-04T16:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-become-an-ethical-investor/</loc>
<lastmod>2021-02-10T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-live-sustainably-and-lower-your-budget/</loc>
<lastmod>2021-02-16T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-data-connections-public-alpha/</loc>
<lastmod>2021-02-16T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/223-join-the-data-connections-public-alpha/</loc>
<lastmod>2021-02-18T00:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-02-19T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/does-fbar-filing-make-you-drop-the-f-bomb/</loc>
<lastmod>2021-02-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-minecraft-taught-my-kids-about-money/</loc>
<lastmod>2021-02-25T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-top-tips-for-managing-your-student-loan/</loc>
<lastmod>2021-03-03T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-lessons-for-my-daughter/</loc>
<lastmod>2021-03-07T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/my-first-few-months-at-pocketsmith/</loc>
<lastmod>2021-03-10T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-achieve-financial-independence-at-any-age/</loc>
<lastmod>2021-03-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/living-with-student-loan-debt/</loc>
<lastmod>2021-03-16T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/neopets-and-financial-lessons-from-my-youth/</loc>
<lastmod>2021-03-19T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/four-apps-to-teach-your-kids-about-finance/</loc>
<lastmod>2021-03-24T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/my-experience-with-back-to-school-expenses/</loc>
<lastmod>2021-03-29T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/organizing-household-documents-with-pocketsmiths-attachments-feature/</loc>
<lastmod>2021-03-30T12:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-04-01T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/six-steps-to-plan-for-back-to-school-expenses/</loc>
<lastmod>2021-04-06T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/financial-challenges-were-all-facing-right-now-part-one/</loc>
<lastmod>2021-04-08T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/financial-challenges-were-all-facing-right-now-part-two/</loc>
<lastmod>2021-04-11T12:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-04-12T00:00:00+00:00</lastmod>
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<url>
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<lastmod>2021-04-12T00:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-04-14T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/seven-beginner-investing-questions-answered/</loc>
<lastmod>2021-04-19T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/seven-financial-literacy-quotes-from-beloved-books/</loc>
<lastmod>2021-04-21T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-start-investing/</loc>
<lastmod>2021-04-23T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/our-2021-picks-favourite-business-and-financial-podcasts/</loc>
<lastmod>2021-04-28T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-income-and-expense-statement-past-present-and-future-copy/</loc>
<lastmod>2021-05-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/six-tips-for-a-happier-household/</loc>
<lastmod>2021-05-06T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/broken-appliance-heres-how-to-decide-whether-to-repair-or-buy/</loc>
<lastmod>2021-05-07T12:00:00+00:00</lastmod>
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<lastmod>2021-05-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/our-2021-picks-pocketsmithers-recommend-their-favorite-podcasts/</loc>
<lastmod>2021-05-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-save-money-as-the-seasons-change/</loc>
<lastmod>2021-05-18T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/are-collectibles-a-valuable-investment/</loc>
<lastmod>2021-05-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/mid-year-budget-check-with-pocketsmith/</loc>
<lastmod>2021-05-24T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/tips-for-managing-your-side-hustle-finances-with-pocketsmith/</loc>
<lastmod>2021-05-31T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-you-need-to-know-about-travelling-in-the-trans-tasman-bubble/</loc>
<lastmod>2021-06-03T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-top-five-must-read-personal-finance-books/</loc>
<lastmod>2021-06-08T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-move-house-without-going-broke/</loc>
<lastmod>2021-06-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-top-tips-for-entertaining-on-a-budget/</loc>
<lastmod>2021-06-15T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-i-built-my-diy-home-office/</loc>
<lastmod>2021-06-17T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/our-2021-picks-our-favorite-podcasts-for-kids/</loc>
<lastmod>2021-06-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-data-connections-beta-is-go/</loc>
<lastmod>2021-06-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/when-should-you-consider-buying-your-first-house/</loc>
<lastmod>2021-06-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/darin-makes-the-most-of-his-financial-data-with-pocketsmith/</loc>
<lastmod>2021-07-02T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/why-more-than-just-fees-matter-with-investing/</loc>
<lastmod>2021-07-07T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/three-ways-to-improve-your-fitness-for-cheap/</loc>
<lastmod>2021-07-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/suck-at-budgeting-try-this-instead/</loc>
<lastmod>2021-07-14T00:05:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-07-20T00:05:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-07-22T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ten-practical-money-saving-tips-for-airbnb-hosts/</loc>
<lastmod>2021-07-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-smart-ways-to-spend-your-side-hustle-income/</loc>
<lastmod>2021-07-28T00:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-08-03T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-daniel-uses-pocketsmith-to-manage-a-very-busy-household-of-four/</loc>
<lastmod>2021-08-05T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/four-personal-lessons-from-startup-weekend/</loc>
<lastmod>2021-08-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/qa-what-does-a-consumer-data-right-mean-for-new-zealand/</loc>
<lastmod>2021-08-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-future-of-work-rise-of-the-gig-economy/</loc>
<lastmod>2021-08-19T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-data-connections-partner-akahu/</loc>
<lastmod>2021-08-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/multi-level-marketing-the-dark-side-of-side-hustling/</loc>
<lastmod>2021-08-23T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-lessons-ive-learned-from-the-barefoot-investor-approach/</loc>
<lastmod>2021-08-27T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/do-i-actually-need-a-will-the-importance-of-estate-planning/</loc>
<lastmod>2021-08-31T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-choose-the-right-bank/</loc>
<lastmod>2021-09-06T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/data-connections-launch-sunrise/</loc>
<lastmod>2021-09-07T00:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-09-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/keen-investor-shay-makes-smarter-money-decisions-with-pocketsmith/</loc>
<lastmod>2021-09-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/eight-tools-to-increase-productivity-for-small-business-owners-and-freelancers/</loc>
<lastmod>2021-09-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-find-a-mentor-for-career-growth-and-development/</loc>
<lastmod>2021-09-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/getting-to-know-the-e-in-esg-investing/</loc>
<lastmod>2021-09-28T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/are-online-investing-platforms-good-for-beginners/</loc>
<lastmod>2021-09-30T00:05:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-10-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/business-owner-connor-manages-his-global-finances-with-pocketsmith/</loc>
<lastmod>2021-10-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/building-a-financial-legacy/</loc>
<lastmod>2021-10-20T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/fun-ways-to-reuse-an-old-smartphone/</loc>
<lastmod>2021-10-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/track-your-net-worth-with-sharesight-and-pocketsmith/</loc>
<lastmod>2021-10-26T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/black-friday-2021-is-nearly-here/</loc>
<lastmod>2021-10-27T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/tracking-balance-changes-for-accounts-without-transactions/</loc>
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</url>
<url>
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<lastmod>2021-10-31T00:00:00+00:00</lastmod>
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<url>
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<lastmod>2021-11-05T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-veteran-doug-uses-forecasting-features-for-home-and-business/</loc>
<lastmod>2021-11-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-give-shares-as-a-gift/</loc>
<lastmod>2021-11-15T00:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/common-money-scams-and-fraud-pitfalls-to-watch-out-for/</loc>
<lastmod>2021-11-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/home-accounting-software-is-the-best-thing-for-personal-budgeting/</loc>
<lastmod>2021-12-01T00:05:00+00:00</lastmod>
</url>
<url>
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<url>
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<url>
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<lastmod>2021-12-05T12:05:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ten-tips-to-protect-yourself-from-money-scams-and-fraud/</loc>
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</url>
<url>
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<lastmod>2021-12-16T00:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2021-12-20T00:00:00+00:00</lastmod>
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<lastmod>2021-12-23T00:00:00+00:00</lastmod>
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<lastmod>2021-12-23T00:00:00+00:00</lastmod>
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<lastmod>2021-12-26T00:00:00+00:00</lastmod>
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<lastmod>2021-12-27T00:00:00+00:00</lastmod>
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<lastmod>2021-12-28T00:05:00+00:00</lastmod>
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<lastmod>2022-01-03T00:00:00+00:00</lastmod>
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<lastmod>2022-01-04T00:00:00+00:00</lastmod>
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<lastmod>2022-01-13T00:00:00+00:00</lastmod>
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<lastmod>2022-01-16T00:00:00+00:00</lastmod>
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<lastmod>2022-01-19T00:00:00+00:00</lastmod>
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<lastmod>2022-01-25T00:00:00+00:00</lastmod>
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<lastmod>2022-02-03T00:05:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/why-pocketsmith-is-a-must-have-for-a-mortgage-application/</loc>
<lastmod>2022-02-07T00:05:00+00:00</lastmod>
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<lastmod>2022-02-20T00:00:00+00:00</lastmod>
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<lastmod>2022-02-24T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/accountant-sam-manages-his-personal-finance-with-pocketsmith/</loc>
<lastmod>2022-02-28T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/what-do-carbon-offsets-actually-buy-you/</loc>
<lastmod>2022-03-09T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/five-steps-you-can-take-to-make-your-mortgage-application-easier/</loc>
<lastmod>2022-03-15T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-to-start-investing-as-a-teenager/</loc>
<lastmod>2022-03-22T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/life-after-25-making-financial-plans-to-meet-your-goals/</loc>
<lastmod>2022-03-23T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-to-prepare-for-the-end-of-financial-year/</loc>
<lastmod>2022-03-28T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/what-insurance-do-i-need-qa-with-financial-adviser-elle/</loc>
<lastmod>2022-03-30T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/nicole-conquers-her-taxes-with-pocketsmith/</loc>
<lastmod>2022-04-03T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/20-investing-terms-that-everyone-should-know/</loc>
<lastmod>2022-04-05T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/how-to-invest-in-yourself-when-changing-careers/</loc>
<lastmod>2022-04-11T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/how-the-pocketsmith-team-works-on-their-financial-literacy/</loc>
<lastmod>2022-04-13T00:00:00+00:00</lastmod>
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<lastmod>2022-04-21T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/can-you-identify-and-control-your-financial-vices/</loc>
<lastmod>2022-04-28T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/pocketsmiths-categories-help-steph-keep-her-money-organized/</loc>
<lastmod>2022-05-01T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/more-than-just-saving-thinking-outside-the-box-for-a-home-deposit/</loc>
<lastmod>2022-05-02T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-to-emotionally-and-financially-prepare-to-make-the-switch-to-self-employment/</loc>
<lastmod>2022-05-10T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/six-comforting-money-lies-that-can-damage-your-financial-future/</loc>
<lastmod>2022-05-24T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-todays-entrepreneurs-are-creating-tomorrows-social-solutions/</loc>
<lastmod>2022-05-25T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/eofy-six-essential-sharesight-resources-for-australian-investors/</loc>
<lastmod>2022-05-31T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/how-maintaining-a-financial-plan-in-pocketsmith-helped-gary-confidently-switch-careers/</loc>
<lastmod>2022-06-06T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/teenage-investor-my-first-experience-with-sharesies/</loc>
<lastmod>2022-06-09T00:00:00+00:00</lastmod>
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<lastmod>2022-06-13T00:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-i-use-the-traffic-light-system-to-prioritize-with-pocketsmith/</loc>
<lastmod>2022-06-20T00:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/rollover-budgeting-a-clearer-picture/</loc>
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<url>
<loc>https://www.pocketsmith.com/blog/should-you-combine-finances-with-your-partner/</loc>
<lastmod>2022-07-02T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/with-pocketsmith-alex-gets-macro-visibility-over-his-finances/</loc>
<lastmod>2022-07-04T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/moving-from-pocketbook-to-pocketsmith/</loc>
<lastmod>2022-07-08T00:00:00+00:00</lastmod>
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<lastmod>2022-07-14T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/book-review-your-money-your-future-the-realest-guide-to-finding-financial-freedom/</loc>
<lastmod>2022-07-20T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-does-rising-inflation-affect-the-self-employed/</loc>
<lastmod>2022-07-21T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-to-make-your-charitable-donations-go-further-with-supergenerous/</loc>
<lastmod>2022-07-24T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/the-best-retirement-savings-and-nest-egg-calculators/</loc>
<lastmod>2022-07-26T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/amy-tracks-her-account-balances-with-pocketsmiths-calendar-feature/</loc>
<lastmod>2022-08-01T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/yes-were-open-for-business/</loc>
<lastmod>2022-08-01T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/advance-australia-fair-open-banking-access-incoming-with-basiq/</loc>
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<loc>https://www.pocketsmith.com/blog/crypto-investment-rules-and-trends-to-follow-in-2022/</loc>
<lastmod>2022-08-21T12:00:00+00:00</lastmod>
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<lastmod>2022-08-29T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/teenage-investor-three-lessons-ive-learned-in-my-sharesies-journey-so-far/</loc>
<lastmod>2022-08-31T12:00:00+00:00</lastmod>
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<lastmod>2022-09-04T12:00:00+00:00</lastmod>
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<url>
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<lastmod>2022-09-06T12:00:00+00:00</lastmod>
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<lastmod>2022-09-12T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/the-first-home-loan-scheme-with-just-a-5-deposit/</loc>
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<lastmod>2022-09-22T00:00:00+00:00</lastmod>
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<lastmod>2022-09-28T11:00:00+00:00</lastmod>
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<url>
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<lastmod>2022-10-03T11:00:00+00:00</lastmod>
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<lastmod>2022-10-04T00:00:00+00:00</lastmod>
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<url>
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<lastmod>2022-10-04T11:00:00+00:00</lastmod>
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<lastmod>2022-10-05T00:00:00+00:00</lastmod>
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<url>
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<lastmod>2022-10-12T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruths-two-cents-regrouping-financially-after-a-divorce/</loc>
<lastmod>2022-10-18T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/can-you-trust-money-advice-on-social-media/</loc>
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</url>
<url>
<loc>https://www.pocketsmith.com/blog/shifting-from-money-brilliant-to-pocketsmith/</loc>
<lastmod>2022-10-26T23:00:00+00:00</lastmod>
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<lastmod>2022-10-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-im-using-pocketsmith-to-prep-for-christmas/</loc>
<lastmod>2022-10-31T11:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2022-11-02T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/brave-new-world-open-banking-unlocked/</loc>
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</url>
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<url>
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<lastmod>2022-12-03T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-give-the-gift-of-pocketsmith/</loc>
<lastmod>2022-12-07T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-aligning-christmas-spending-with-your-money-values/</loc>
<lastmod>2022-12-11T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/our-top-picks-for-environmentally-friendly-christmas-gifts/</loc>
<lastmod>2022-12-12T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-provides-scott-with-a-plan-and-peace-for-retirement/</loc>
<lastmod>2022-12-14T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/using-pocketsmith-to-plan-my-finances-for-the-new-year/</loc>
<lastmod>2022-12-14T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/dark-patterns-my-experience-buying-hamilton-tickets-in-the-ticketmaster-afterpay-pre-sale/</loc>
<lastmod>2022-12-18T11:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2022-12-23T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-make-the-most-of-new-years-sales/</loc>
<lastmod>2022-12-23T11:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2022-12-24T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/my-freelance-goals-for-2023/</loc>
<lastmod>2022-12-28T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-financial-wellbeing-resolutions-for-2023/</loc>
<lastmod>2022-12-28T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/eight-resolutions-for-a-productive-new-year/</loc>
<lastmod>2023-01-02T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ian-uses-pocketsmith-s-insights-to-reduce-spending-on-his-vices/</loc>
<lastmod>2023-01-08T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/using-pocketsmith-s-sankey-diagram-to-visualize-my-money-flows/</loc>
<lastmod>2023-01-12T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/personal-finance-and-investing-podcasts-to-start-your-2023-out-right/</loc>
<lastmod>2023-01-15T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/do-you-really-need-to-use-that-buy-now-pay-later-service/</loc>
<lastmod>2023-01-26T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-things-i-wish-i-knew-when-i-first-started-using-pocketsmith/</loc>
<lastmod>2023-01-30T11:00:00+00:00</lastmod>
</url>
<url>
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<lastmod>2023-02-02T11:00:00+00:00</lastmod>
</url>
<url>
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<url>
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</url>
<url>
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<url>
<loc>https://www.pocketsmith.com/blog/preparing-for-a-2023-recession/</loc>
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</url>
<url>
<loc>https://www.pocketsmith.com/blog/top-three-kiwi-owned-personal-finance-apps-that-i-use/</loc>
<lastmod>2023-02-22T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/canada-sorry-the-connection-just-isnt-there-anymore/</loc>
<lastmod>2023-02-22T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/cash-flow-forecasting-when-you-re-self-employed/</loc>
<lastmod>2023-02-27T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-reducing-financial-stress-in-a-crisis-situation/</loc>
<lastmod>2023-03-02T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/283-categories-on-income-expense-report-can-now-be-r/</loc>
<lastmod>2023-03-03T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/286-search-for-transactions-without-specific-labels/</loc>
<lastmod>2023-03-07T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-s-labels-let-andrei-get-granular-with-his-spending/</loc>
<lastmod>2023-03-09T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/tax-saving-strategies-for-2023-from-a-practising-accountant/</loc>
<lastmod>2023-03-13T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/why-pocketsmith-is-the-fellowship-of-the-ring/</loc>
<lastmod>2023-03-16T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-benefits-of-renting-a-home/</loc>
<lastmod>2023-03-26T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/navigating-the-end-of-the-financial-year-as-a-self-employed-worker/</loc>
<lastmod>2023-03-30T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/a-journey-from-freelancer-back-to-employee/</loc>
<lastmod>2023-04-03T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/top-seven-rewards-programs-in-australia/</loc>
<lastmod>2023-04-05T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/andrew-digs-deeper-into-his-finances-with-pocketsmith/</loc>
<lastmod>2023-04-10T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-entering-the-world-of-home-renovations/</loc>
<lastmod>2023-04-13T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/is-paying-for-netflix-worth-it-in-a-post-password-sharing-world/</loc>
<lastmod>2023-04-18T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-pocketsmith-helps-me-pay-off-my-student-loan-faster/</loc>
<lastmod>2023-04-20T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/battling-cost-of-living-increases-with-smalls-actions/</loc>
<lastmod>2023-04-24T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/book-review-the-bogleheads-guide-to-investing/</loc>
<lastmod>2023-04-27T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-does-a-recession-affect-your-personal-finances/</loc>
<lastmod>2023-05-02T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-gives-garry-transparency-over-his-net-worth/</loc>
<lastmod>2023-05-07T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/teenage-investor-mining-my-first-shares/</loc>
<lastmod>2023-05-15T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/my-five-favorite-pocketsmith-dashboard-widgets/</loc>
<lastmod>2023-05-17T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/290-introducing-new-system-for-getting-bank-feed-suppo/</loc>
<lastmod>2023-05-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/managing-stress-at-tax-time/</loc>
<lastmod>2023-05-23T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-dealing-with-being-made-redundant/</loc>
<lastmod>2023-05-31T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-i-manage-multiple-sources-of-income-in-pocketsmith/</loc>
<lastmod>2023-06-06T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-tips-to-change-your-shopping-mindset-and-deal-with-rising-food-costs/</loc>
<lastmod>2023-06-08T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-allows-dave-to-keep-flexible-in-his-budgeting/</loc>
<lastmod>2023-06-12T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/explaining-the-rising-cost-of-living-to-my-daughter/</loc>
<lastmod>2023-06-19T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-i-learned-about-money-from-400-days-of-gratitude/</loc>
<lastmod>2023-06-21T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/293-transaction-date-now-the-default-for-bank-feed-tra/</loc>
<lastmod>2023-06-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/six-ways-to-save-money-on-your-work-commute/</loc>
<lastmod>2023-06-25T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-preparing-your-finances-for-parenthood/</loc>
<lastmod>2023-06-29T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/dealing-with-the-rise-in-cost-of-living-as-a-freelancer/</loc>
<lastmod>2023-07-03T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/287-rollover-can-be-optionally-shown-in-i-e-and-budget/</loc>
<lastmod>2023-07-04T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/interest-inflation-and-how-to-stay-on-top-of-them/</loc>
<lastmod>2023-07-09T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-s-customization-lets-darin-manage-his-money-the-exact-way-he-wants/</loc>
<lastmod>2023-07-12T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/six-things-that-are-worth-paying-the-convenience-tax-for/</loc>
<lastmod>2023-07-17T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-a-wedding-on-a-budget/</loc>
<lastmod>2023-07-20T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/why-i-paid-off-my-student-loan-with-a-final-lump-sum-payment/</loc>
<lastmod>2023-07-24T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-dean-anderson-chief-executive-of-kernel/</loc>
<lastmod>2023-08-02T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-josh-daniell-co-founder-of-akahu/</loc>
<lastmod>2023-08-07T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-emma-edwards-the-broke-generation/</loc>
<lastmod>2023-08-09T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-ruth-henderson-the-happy-saver/</loc>
<lastmod>2023-08-13T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/296-new-transaction-search-interface-available-under-l/</loc>
<lastmod>2023-08-14T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/calendar-connoisseur-amos-forecasts-into-the-future-with-pocketsmith/</loc>
<lastmod>2023-08-17T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-james-blair-wealth-director-at-lighthouse-financial/</loc>
<lastmod>2023-08-17T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-james-fuller-co-founder-and-ceo-of-hnry/</loc>
<lastmod>2023-08-22T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-lance-wiggs-co-founder-of-the-punakaiki-fund/</loc>
<lastmod>2023-08-24T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-frances-cook-investments-editor-for-businessdesk-nz/</loc>
<lastmod>2023-08-28T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/new-zealand-money-month-q-a-david-cunningham-ceo-of-squirrel/</loc>
<lastmod>2023-08-30T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/investing-in-an-era-of-high-interest-rates/</loc>
<lastmod>2023-09-05T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-i-use-pocketsmith-as-a-freelance-writer/</loc>
<lastmod>2023-09-11T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-financial-benefits-of-small-town-living/</loc>
<lastmod>2023-09-14T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/jimmy-uses-pocketsmith-for-home-ownership-and-management/</loc>
<lastmod>2023-09-17T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/six-apps-australians-can-use-for-their-investments/</loc>
<lastmod>2023-09-21T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/from-the-trenches-one-year-retrospective-on-cdr-open-banking-in-australia/</loc>
<lastmod>2023-09-25T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/creating-a-financial-plan-for-divorce-how-to-make-smart-decisions-during-this-transition-period/</loc>
<lastmod>2023-09-27T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/301-improvements-to-the-synced-feed-status-display/</loc>
<lastmod>2023-09-28T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/book-review-the-sharesies-guide-to-investing/</loc>
<lastmod>2023-10-01T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/world-investor-week-investing-spotlight-with-pocketsmither-chloe/</loc>
<lastmod>2023-10-02T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/world-investor-week-investing-spotlight-with-pocketsmither-olav/</loc>
<lastmod>2023-10-03T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/world-investor-week-investing-spotlight-with-pocketsmither-nic/</loc>
<lastmod>2023-10-04T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/migrating-from-money-dashboard-to-pocketsmith/</loc>
<lastmod>2023-10-04T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/world-investor-week-investing-spotlight-with-pocketsmither-dora/</loc>
<lastmod>2023-10-05T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/304-unmarking-transactions-as-transfer-upon-category-r/</loc>
<lastmod>2023-10-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/does-a-podcast-make-a-good-side-hustle/</loc>
<lastmod>2023-10-10T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/307-adding-only-condition-in-merchant-transaction-se/</loc>
<lastmod>2023-10-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/retiree-cliff-coordinates-multiple-accounts-with-pocketsmith/</loc>
<lastmod>2023-10-12T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/seven-ways-australians-can-save-on-their-car-insurance-bill-in-2023/</loc>
<lastmod>2023-10-22T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-difference-between-everyday-costs-in-new-zealand-and-the-usa/</loc>
<lastmod>2023-11-01T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/310-respecting-safe-balance-in-the-dashboard-widgets/</loc>
<lastmod>2023-11-06T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/financial-literacy-in-new-zealand-high-schools-a-teenager-s-perspective/</loc>
<lastmod>2023-11-06T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/transferring-from-mint-to-pocketsmith/</loc>
<lastmod>2023-11-09T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-make-the-most-of-black-friday-sales/</loc>
<lastmod>2023-11-12T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-working-on-improving-your-financial-education/</loc>
<lastmod>2023-11-14T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-newbie-suresh-is-enjoying-his-new-clarity-over-his-finances/</loc>
<lastmod>2023-11-19T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/313-added-support-for-resuming-file-imports/</loc>
<lastmod>2023-11-21T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-ceo-what-mint-s-closure-means-for-the-future-of-personal-finance-software/</loc>
<lastmod>2023-11-23T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-save-money-while-planning-for-holiday-travel/</loc>
<lastmod>2023-11-27T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/moving-from-mint-to-pocketsmith-budgets-calendar-and-forecasting/</loc>
<lastmod>2023-11-29T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-psychology-of-holiday-spending-understanding-emotional-triggers/</loc>
<lastmod>2023-12-02T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/316-choose-feed-transaction-history-start-date/</loc>
<lastmod>2023-12-15T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/navigating-the-holiday-period-as-a-freelancer/</loc>
<lastmod>2023-12-17T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-self-employment-goal-ideas-for-a-successful-2024/</loc>
<lastmod>2024-01-03T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/chris-uses-pocketsmith-for-his-short-medium-and-long-term-money-goals/</loc>
<lastmod>2024-01-07T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/incorporating-generosity-into-your-money-management/</loc>
<lastmod>2024-01-11T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/a-step-by-step-guide-to-overcoming-analysis-paralysis/</loc>
<lastmod>2024-01-16T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/enjoy-today-vs-secure-tomorrow-how-to-find-a-balance/</loc>
<lastmod>2024-01-18T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/319-filter-and-saved-search-management-for-new-transac/</loc>
<lastmod>2024-01-22T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-have-supportive-money-conversations/</loc>
<lastmod>2024-01-22T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-limiting-money-beliefs-holding-you-back-and-how-to-tackle-them/</loc>
<lastmod>2024-01-24T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-your-favorite-barbie-says-about-your-finances/</loc>
<lastmod>2024-01-28T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-01-30-transactions-column-chart-can-now-refer-to-category-type/</loc>
<lastmod>2024-01-30T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/seven-proven-tactics-to-fix-your-credit-score/</loc>
<lastmod>2024-01-31T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/going-global-part-one-how-pocketsmith-helped-me-plan-an-overseas-move/</loc>
<lastmod>2024-02-04T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-deciding-to-invest-in-etfs-or-stocks/</loc>
<lastmod>2024-02-07T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-is-a-will-and-why-do-you-need-one/</loc>
<lastmod>2024-02-11T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/digital-nomad-vasti-manages-multiple-currencies-with-pocketsmith/</loc>
<lastmod>2024-02-15T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/little-treat-culture-harmless-fun-or-damaging-habit/</loc>
<lastmod>2024-02-22T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/a-closer-look-at-australia-s-health-insurance-system/</loc>
<lastmod>2024-02-26T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-02-27-improvements-to-transaction-ordering-on-the-transactions-page/</loc>
<lastmod>2024-02-27T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/going-global-part-two-why-i-overhauled-my-entire-pocketsmith-setup-after-two-years/</loc>
<lastmod>2024-02-28T11:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/things-to-do-before-moving-from-full-time-to-part-time-work/</loc>
<lastmod>2024-03-04T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-04-auto-budget-and-transfer-category-improvements/</loc>
<lastmod>2024-03-04T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-05-track-balance-changes-automatically-enabled-for-new-investment-accounts/</loc>
<lastmod>2024-03-05T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-06-rollover-amounts-can-now-be-fully-edited/</loc>
<lastmod>2024-03-06T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-money-challenge-ideas-for-2024/</loc>
<lastmod>2024-03-07T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-07-filtering-options-added-to-category-budgets-modal/</loc>
<lastmod>2024-03-07T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/seven-pitfalls-to-avoid-when-refinancing-your-home-loan/</loc>
<lastmod>2024-03-11T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-13-dark-mode-pocketsmith-now-in-beta/</loc>
<lastmod>2024-03-13T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/expat-laurie-tracks-her-international-budget-with-pocketsmith/</loc>
<lastmod>2024-03-14T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/going-global-part-three-how-pocketsmith-helps-me-handle-multiple-currencies-as-a-digital-nomad/</loc>
<lastmod>2024-03-24T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-25-bank-logos-now-appear-alongside-account-names/</loc>
<lastmod>2024-03-25T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-deciding-to-join-finances-with-your-spouse/</loc>
<lastmod>2024-03-26T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-26-uncategorized-transactions-can-now-be-shown-in-the-budget-page/</loc>
<lastmod>2024-03-26T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-03-27-safe-balance-popups-now-give-access-to-budgets-and-transactions/</loc>
<lastmod>2024-03-27T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/top-four-australian-personal-finance-apps-i-use/</loc>
<lastmod>2024-04-02T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-04-03-extended-support-for-qif-file-importing/</loc>
<lastmod>2024-04-03T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/fireside-finance-sarah-kelsey-the-oneup-project/</loc>
<lastmod>2024-04-07T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/essential-tax-deductions-for-non-business-owners-in-new-zealand/</loc>
<lastmod>2024-04-09T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ex-mint-user-mike-finds-a-new-money-management-home-in-pocketsmith/</loc>
<lastmod>2024-04-14T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-04-14-new-version-of-ios-mobile-app-released/</loc>
<lastmod>2024-04-14T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/delving-deeper-with-pocketsmith-s-search-function/</loc>
<lastmod>2024-04-17T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/book-review-good-with-money/</loc>
<lastmod>2024-04-22T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-04-22-new-mobile-dashboard-template-for-web/</loc>
<lastmod>2024-04-22T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-playing-with-fire-financial-independence-retire-early/</loc>
<lastmod>2024-04-27T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/next-gen-neobanks-and-money-apps-for-australians/</loc>
<lastmod>2024-05-05T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-05-09-new-transactions-search-now-in-beta/</loc>
<lastmod>2024-05-09T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/dealing-with-international-banking-hassles/</loc>
<lastmod>2024-05-11T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-05-15-backup-and-restore-feature-released/</loc>
<lastmod>2024-05-15T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-05-16-budgets-mode-for-sankey-and-earning-and-spending-dashboard-widgets/</loc>
<lastmod>2024-05-16T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/insurance-must-knows-for-the-self-employed/</loc>
<lastmod>2024-05-19T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-05-22-fixed-headers-for-month-and-category-names-on-the-cashflows-report/</loc>
<lastmod>2024-05-22T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ex-mint-user-miranda-finds-her-perfect-budgeting-software-in-pocketsmith/</loc>
<lastmod>2024-05-26T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-05-27-ai-tasks-in-beta/</loc>
<lastmod>2024-05-27T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-does-ai-mean-for-personal-finance-help-shape-the-future-of-ai-in-pocketsmith/</loc>
<lastmod>2024-05-27T23:30:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/is-it-time-to-change-your-bank/</loc>
<lastmod>2024-06-04T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-06-12-improved-transfer-settings-for-categories/</loc>
<lastmod>2024-06-12T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/why-i-gave-up-buying-clothes-for-a-year/</loc>
<lastmod>2024-06-17T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/canadian-alexis-uses-pocketsmith-to-establish-good-financial-habits/</loc>
<lastmod>2024-06-20T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/three-times-i-as-a-keen-pocketsmither-didn-t-use-pocketsmith-and-why-that-s-okay/</loc>
<lastmod>2024-06-23T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/mastercard-welcomes-pocketsmith-into-the-start-path-program-to-accelerate-open-banking-innovation/</loc>
<lastmod>2024-06-26T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-five-best-pocketsmith-features-for-travellers/</loc>
<lastmod>2024-06-30T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-supporting-your-parents-financially/</loc>
<lastmod>2024-07-07T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/strategies-for-getting-the-raise-you-deserve/</loc>
<lastmod>2024-07-09T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/digital-nomad-accounting-and-tax-tips/</loc>
<lastmod>2024-07-15T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-07-15-improved-help-and-profile-menus/</loc>
<lastmod>2024-07-15T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/fireside-finance-tim-calder-prime-campus/</loc>
<lastmod>2024-07-18T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/nick-and-his-wife-get-transparency-in-their-money-management-using-pocketsmith/</loc>
<lastmod>2024-07-22T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/haggling-hacks-how-to-negotiate-and-save-on-everyday-expenses/</loc>
<lastmod>2024-07-28T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-milestones-q-a-thomas-young-worker-with-a-student-loan/</loc>
<lastmod>2024-07-31T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-milestones-q-a-patti-first-home-buyer/</loc>
<lastmod>2024-08-05T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/investing-for-the-future-simple-strategies-for-the-home-cfo/</loc>
<lastmod>2024-08-08T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-pros-and-cons-of-juggling-a-side-hustle-and-a-9-to-5-job/</loc>
<lastmod>2024-08-11T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-milestones-q-a-cathy-young-family-mother/</loc>
<lastmod>2024-08-13T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/dual-citizen-mike-manages-his-money-across-borders-with-pocketsmith-s-multi-currency-features/</loc>
<lastmod>2024-08-19T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-08-20-categorize-by-merchants-page-in-beta/</loc>
<lastmod>2024-08-20T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-milestones-q-a-rupert-early-startup-founder/</loc>
<lastmod>2024-08-21T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-things-i-learned-in-the-process-of-writing-a-book/</loc>
<lastmod>2024-08-26T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-milestones-q-a-daisie-retiree/</loc>
<lastmod>2024-08-29T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/why-are-part-time-jobs-important-for-teenagers/</loc>
<lastmod>2024-09-05T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/invoicing-your-freelance-clients/</loc>
<lastmod>2024-09-10T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/five-essential-budgeting-tips-for-financial-success-with-pocketsmith/</loc>
<lastmod>2024-09-12T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-09-14-new-filter-to-create-transfer-cash-transactions/</loc>
<lastmod>2024-09-14T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-to-deal-with-financial-burnout/</loc>
<lastmod>2024-09-16T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/teenager-harry-uses-pocketsmith-to-get-ready-for-uni/</loc>
<lastmod>2024-09-23T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-s-top-financial-podcast-picks-for-2024/</loc>
<lastmod>2024-09-29T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/an-accountant-s-guide-to-preventing-fraud-in-your-financial-systems/</loc>
<lastmod>2024-10-01T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/should-you-prioritize-investing-during-increasing-costs-of-living/</loc>
<lastmod>2024-10-08T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/insurance-needs-for-digital-nomads/</loc>
<lastmod>2024-10-17T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-helps-kath-budget-for-her-travels-during-retirement/</loc>
<lastmod>2024-10-21T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/should-you-align-your-investments-with-your-values/</loc>
<lastmod>2024-10-31T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-navigating-work-burnout-and-financial-stability/</loc>
<lastmod>2024-11-11T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/navigating-currency-fluctuations-as-a-digital-nomad/</loc>
<lastmod>2024-11-17T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-11-18-custom-start-dates-for-month-and-year-date-ranges/</loc>
<lastmod>2024-11-18T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/clinton-budgets-for-an-investment-property-with-pocketsmith/</loc>
<lastmod>2024-11-19T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-11-19-restructure-your-existing-categories-with-a-text-editor/</loc>
<lastmod>2024-11-19T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-11-21-exclude-accounts-on-the-net-worth-page/</loc>
<lastmod>2024-11-21T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/optimizing-cash-flow-tips-from-an-accountant/</loc>
<lastmod>2024-11-24T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-11-27-new-net-worth-widget/</loc>
<lastmod>2024-11-27T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-five-most-useful-apps-when-you-re-working-abroad/</loc>
<lastmod>2024-12-02T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/zero-based-budgeting/</loc>
<lastmod>2024-12-09T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-12-09-improved-net-worth-report/</loc>
<lastmod>2024-12-09T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/the-50-30-20-method/</loc>
<lastmod>2024-12-10T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/the-1000-project/</loc>
<lastmod>2024-12-11T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-overcoming-credit-card-debt-struggles/</loc>
<lastmod>2024-12-11T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/sinking-funds/</loc>
<lastmod>2024-12-12T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/reverse-budgeting/</loc>
<lastmod>2024-12-13T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/ramit-sethi-s-rich-life-philosophy/</loc>
<lastmod>2024-12-14T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/kakeibo/</loc>
<lastmod>2024-12-15T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/fire/</loc>
<lastmod>2024-12-16T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/envelope-budgeting/</loc>
<lastmod>2024-12-17T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/don-t-let-aca-anxiety-cost-you-coverage-in-2025/</loc>
<lastmod>2024-12-17T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/debt-repayment-methods/</loc>
<lastmod>2024-12-18T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2024-12-18-improved-feeds-page/</loc>
<lastmod>2024-12-18T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/dave-ramsey-s-baby-steps/</loc>
<lastmod>2024-12-19T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/the-future-of-pocketsmiths-mobile-applications/</loc>
<lastmod>2024-12-19T10:30:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/methodologies/barefoot-investor-buckets/</loc>
<lastmod>2024-12-20T00:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-superfan-shawn-analyzes-his-financial-data-like-a-pro/</loc>
<lastmod>2024-12-21T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-quitting-coffee-for-a-month-taught-me-about-money/</loc>
<lastmod>2024-12-21T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/choosing-the-right-kiwisaver-fund-for-you/</loc>
<lastmod>2025-01-10T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/how-pocketsmith-has-changed-digital-nomad-james-money-mindset/</loc>
<lastmod>2025-01-12T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/top-seven-rewards-programs-in-the-uk/</loc>
<lastmod>2025-01-16T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2025-01-19-automatic-forwarding-from-gmail-for-attachment-inbox/</loc>
<lastmod>2025-01-19T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/what-your-favorite-movie-franchise-says-about-you-and-your-money/</loc>
<lastmod>2025-01-20T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2025-01-21-new-note-widget-for-your-dashboard/</loc>
<lastmod>2025-01-21T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/money-for-couples-how-buying-a-fitbit-strengthened-my-marriage/</loc>
<lastmod>2025-01-23T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/despite-last-year-s-resolutions-americans-are-spending-more-on-alcohol/</loc>
<lastmod>2025-01-27T11:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2025-01-30-net-worth-page-improvements/</loc>
<lastmod>2025-01-30T11:00:00+00:00</lastmod>
</url>
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<lastmod>2025-02-04T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/why-you-should-care-about-your-net-worth-in-your-twenties-and-thirties/</loc>
<lastmod>2025-02-09T11:00:00+00:00</lastmod>
</url>
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<lastmod>2025-02-20T11:00:00+00:00</lastmod>
</url>
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<lastmod>2025-02-24T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/managing-debt-as-a-self-employed-professional/</loc>
<lastmod>2025-03-03T11:00:00+00:00</lastmod>
</url>
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<lastmod>2025-03-05T11:00:00+00:00</lastmod>
</url>
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<lastmod>2025-03-06T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/top-six-investment-platforms-in-the-uk/</loc>
<lastmod>2025-03-11T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/20-women-who-made-american-money-history/</loc>
<lastmod>2025-03-26T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/tech-savvy-cibr%C3%A1n-masters-family-finances-with-pocketsmith/</loc>
<lastmod>2025-03-30T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/how-words-shape-my-relationship-with-money/</loc>
<lastmod>2025-04-01T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-navigating-financial-infidelity/</loc>
<lastmod>2025-04-01T11:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/news/2025-04-14-transaction-search-beta-updates/</loc>
<lastmod>2025-04-14T12:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/quarterly-finance-check-in-routine-for-the-self-employed/</loc>
<lastmod>2025-04-17T12:00:00+00:00</lastmod>
</url>
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<lastmod>2025-04-18T12:00:00+00:00</lastmod>
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<lastmod>2025-04-23T12:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/blog/estate-planning-and-tax-considerations/</loc>
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<lastmod>2025-05-06T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/open-banking-closed-doors-how-the-government-is-letting-us-down/</loc>
<lastmod>2025-05-08T02:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-building-financial-stability-with-an-irregular-income/</loc>
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</url>
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<loc>https://www.pocketsmith.com/blog/building-a-retirement-fund-when-you-re-self-employed/</loc>
<lastmod>2025-05-20T12:00:00+00:00</lastmod>
</url>
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<lastmod>2025-05-21T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/filling-in-financial-literacy-gaps/</loc>
<lastmod>2025-05-25T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/building-financial-resilience-during-political-uncertainty/</loc>
<lastmod>2025-05-29T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-guiding-estate-planning-for-your-parents/</loc>
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<loc>https://www.pocketsmith.com/news/2025-06-08-improvement-to-roll-up-handling-for-categories/</loc>
<lastmod>2025-06-08T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/news/2025-06-09-bill-management-adds-grace-period-before-overdue/</loc>
<lastmod>2025-06-09T12:00:00+00:00</lastmod>
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<lastmod>2025-06-10T12:00:00+00:00</lastmod>
</url>
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<loc>https://www.pocketsmith.com/news/2025-06-10-hide-categories-per-report-on-income-expense/</loc>
<lastmod>2025-06-10T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/what-to-tackle-at-the-start-vs-the-end-of-the-financial-year/</loc>
<lastmod>2025-06-15T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/how-pocketsmith-can-help-neurodivergent-users-simplify-financial-planning/</loc>
<lastmod>2025-06-18T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/how-to-make-money-conversations-normal-in-your-family/</loc>
<lastmod>2025-06-22T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/four-top-tips-for-protecting-yourself-financially-while-on-dating-apps/</loc>
<lastmod>2025-07-02T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/going-local-part-two-what-joining-a-team-in-an-office-again-taught-me-about-money/</loc>
<lastmod>2025-07-06T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/murray-plans-for-peace-of-mind-with-pocketsmith/</loc>
<lastmod>2025-07-13T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/news/2025-07-23-family-group-discounts-released/</loc>
<lastmod>2025-07-23T12:00:00+00:00</lastmod>
</url>
<url>
<loc>https://www.pocketsmith.com/blog/ruth-s-two-cents-downsizing-in-retirement/</loc>
<lastmod>2025-07-24T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/how-neurodivergent-users-manage-their-finances-with-pocketsmith/</loc>
<lastmod>2025-07-30T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/the-best-neobanks-and-money-apps-in-the-uk/</loc>
<lastmod>2025-08-06T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/luan-manages-big-moves-and-big-goals-with-pocketsmith/</loc>
<lastmod>2025-08-13T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/pocketsmith-family-group-discounts-are-here/</loc>
<lastmod>2025-08-19T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/pocketsmith-at-the-cdr-summit-2025-a-new-zealand-perspective-on-innovating-with-open-data/</loc>
<lastmod>2025-08-26T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/news/2025-08-27-default-category-structure-introduced/</loc>
<lastmod>2025-08-27T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/the-budget-conscious-traveller-s-guide-to-booking-flights-and-experiences/</loc>
<lastmod>2025-09-01T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/going-local-part-three-i-spend-50-of-my-take-home-pay-on-rent-and-here-s-why-it-s-worth-it/</loc>
<lastmod>2025-09-08T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/news/2025-09-10-new-pocketsmith-desktop-release/</loc>
<lastmod>2025-09-10T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/from-cats-to-cookbooks-wendy-uses-pocketsmith-to-know-it-all/</loc>
<lastmod>2025-09-11T12:00:00+00:00</lastmod>
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<lastmod>2025-09-15T12:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/financially-thriving-in-mexico-an-american-expat-love-story/</loc>
<lastmod>2025-09-25T12:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/the-best-of-down-under-financial-podcasts-from-new-zealand-and-australia-you-should-be-listening-to/</loc>
<lastmod>2025-09-29T11:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/what-we-learned-at-intersekt-2025/</loc>
<lastmod>2025-10-01T11:00:00+00:00</lastmod>
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<url>
<loc>https://www.pocketsmith.com/blog/fireside-finance-prashant-mohan-sharesight/</loc>
<lastmod>2025-10-09T11:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/news/2025-10-09-monarch-money-importer-introduced-to-migrate-to-pocketsmith/</loc>
<lastmod>2025-10-09T11:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/travis-plans-life-s-big-decisions-with-pocketsmith/</loc>
<lastmod>2025-10-20T11:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/book-review-friends-that-invest/</loc>
<lastmod>2025-10-28T11:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/good-news-banks-can-t-charge-for-open-banking-in-new-zealand/</loc>
<lastmod>2025-10-29T11:00:00+00:00</lastmod>
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<loc>https://www.pocketsmith.com/blog/what-is-singles-tax-and-how-can-you-overcome-it/</loc>
<lastmod>2025-11-05T11:00:00+00:00</lastmod>
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<lastmod>2025-11-19T11:00:00+00:00</lastmod>
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<lastmod>2026-01-26T11:00:00+00:00</lastmod>
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