<?xml version="1.0" encoding="UTF-8"?><item dsn="generic"><title>Small steps can add up to wealth building </title><url>/media-resources/news/2015/january2015/01-16-2015-Ark-Spending-Resolutions.aspx</url><rel_keys><rel_key>Division of Agriculture</rel_key><rel_key>University of Arkansas System Division of Agriculture</rel_key><rel_key>Arkansas</rel_key><rel_key>New year's resolutions</rel_key><rel_key>spending</rel_key><rel_key>saving</rel_key><rel_key>money</rel_key><rel_key>powerpay</rel_key><rel_key>debt</rel_key><rel_key>mortgage</rel_key><rel_key>money management </rel_key></rel_keys><rel_tags/></item>