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	<title>Becoming Debt Free</title>
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	<description>Getting Out From Under Credit Card Debt</description>
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		<title>What Do Credit Reports Mean To You?</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/what-do-credit-reports-mean-to-you.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/what-do-credit-reports-mean-to-you.php#comments</comments>
		<pubDate>Thu, 02 Oct 2008 18:18:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reporting agencies]]></category>
		<category><![CDATA[credit score]]></category>
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		<description><![CDATA[Some people find themselves with a messy financial situation and therefore credit reports are not a pleasant topic.  However, credit reports provide you with the facts.  And even if the information is undesirable it can be like a helpful guide on your road to financial recovery.  Being well informed is important and [...]]]></description>
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		<title>7 Tips For Saving Money</title>
		<link>http://www.debtopedia.com/debtfree/personal-finance/7-tips-for-saving-money.php</link>
		<comments>http://www.debtopedia.com/debtfree/personal-finance/7-tips-for-saving-money.php#comments</comments>
		<pubDate>Fri, 12 Sep 2008 21:37:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[frugal living]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[saving money]]></category>
		<category><![CDATA[spending]]></category>

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		<description><![CDATA[We all could use some help when it comes to saving money.  That odd trip to the store for a sweater that results in a new wardrobe, or a trip to buy a new phone and we walk out with a phone, an answering machine, and a digital camera.  These things happen, but [...]]]></description>
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		<title>Discipline Yourself to Spend Less</title>
		<link>http://www.debtopedia.com/debtfree/personal-finance/discipline-yourself-to-spend-less.php</link>
		<comments>http://www.debtopedia.com/debtfree/personal-finance/discipline-yourself-to-spend-less.php#comments</comments>
		<pubDate>Thu, 28 Aug 2008 16:31:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

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		<description><![CDATA[No one wants to go into debt.  We try to avoid it if we can, but we fall into the traps of credit cards and delayed payment specials so easily.  Curbing our spending requires discipline and an honest effort.
We have to learn to live within our means. This does not mean just having [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>Overspending: An All Too Common Financial Mistake</title>
		<link>http://www.debtopedia.com/debtfree/personal-finance/overspending-an-all-too-common-financial-mistake.php</link>
		<comments>http://www.debtopedia.com/debtfree/personal-finance/overspending-an-all-too-common-financial-mistake.php#comments</comments>
		<pubDate>Wed, 13 Aug 2008 20:52:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

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		<description><![CDATA[Have you ever written a check for something that you knew you didn&#8217;t have the money for?  People do that more than you think.  They play the game of &#8220;robbing Peter to pay Paul&#8221;.  This is a common practice that can lead to debt and bad money management.
When you take a job, [...]]]></description>
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		<title>Bankruptcy Laws Protect Borrowers From Harassment By Creditors</title>
		<link>http://www.debtopedia.com/debtfree/credit-card-debt/bankruptcy-laws-protect-borrowers-from-harassment-by-creditors.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-card-debt/bankruptcy-laws-protect-borrowers-from-harassment-by-creditors.php#comments</comments>
		<pubDate>Wed, 30 Jul 2008 23:54:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>

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		<description><![CDATA[The phone rings and you are overcome with a feeling dread. Is it another creditor calling you again demanding payment?
For many people this is an everyday occurrence. But it doesnt have to be. If you are in financial trouble and there seems to be no way out, bankruptcy may be the answer. Although it may [...]]]></description>
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		<title>Obtaining a Loan is Still Possible After Bankruptcy</title>
		<link>http://www.debtopedia.com/debtfree/personal-finance/obtaining-a-loan-is-still-possible-after-bankruptcy.php</link>
		<comments>http://www.debtopedia.com/debtfree/personal-finance/obtaining-a-loan-is-still-possible-after-bankruptcy.php#comments</comments>
		<pubDate>Tue, 22 Jul 2008 13:53:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

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		<description><![CDATA[Filing bankruptcy does not end the possibility of obtaining a personal loan. In fact, a person who files bankruptcy can obtain a bad credit personal loan in as little as 30 days after the discharge of the bankruptcy. And since they cannot file for another bankruptcy for seven years, this provides insurance for companies that [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Teaching Kids Financial Responsibility</title>
		<link>http://www.debtopedia.com/debtfree/credit-card-tips/teaching-kids-financial-responsibility.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-card-tips/teaching-kids-financial-responsibility.php#comments</comments>
		<pubDate>Thu, 17 Jul 2008 17:48:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Card Tips]]></category>

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		<description><![CDATA[In todays world of &#8220;plastic purchases,&#8221; many kids are growing up with little understanding of the financial realities of life. As parents, our paychecks are directly deposited into our accounts, we pay bills online, and use credit or debit cards to make purchases.
While these methods are certainly convenient, they may be robbing our children of [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Understanding Your Debt Consolidation Options</title>
		<link>http://www.debtopedia.com/debtfree/debt-consolidation/understanding-your-debt-consolidation-options.php</link>
		<comments>http://www.debtopedia.com/debtfree/debt-consolidation/understanding-your-debt-consolidation-options.php#comments</comments>
		<pubDate>Sun, 13 Jul 2008 04:48:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>

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		<description><![CDATA[Television commercials and mass mailings may make debt consolidation seem like a simple process. Often by the end of a 30 second ad, the formerly anxious, debt ridden consumer is smiling and shaking hands with a caring debt consolidation counselor, and all their problems seem to have vanished.
While there are many options available to consumers, [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>How to Avoid Debt With Good Budgeting</title>
		<link>http://www.debtopedia.com/debtfree/debt-reduction/how-to-avoid-debt-with-good-budgeting.php</link>
		<comments>http://www.debtopedia.com/debtfree/debt-reduction/how-to-avoid-debt-with-good-budgeting.php#comments</comments>
		<pubDate>Mon, 07 Jul 2008 21:30:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>

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		<description><![CDATA[If you&#8217;ve managed (or mismanaged) to get yourself into a boatload of debt, there are ways to insure that this never happens again if at all possible, and the cornerstone of these ways is a sound, well-thought-out budgeting program. While this may not seem like a very sexy answer to what appears to be a [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Simple Tips For Repairing Bad Credit</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/simple-tips-for-repairing-bad-credit.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/simple-tips-for-repairing-bad-credit.php#comments</comments>
		<pubDate>Sat, 05 Jul 2008 16:13:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[Having poor credit can certainly impede you the next time you want to purchase something that you have set your heart upon, though lack of proper credit standing will mean having to forego such things in life. Yes, bad credit can not only mean that you dont get what you want, but you may even [...]]]></description>
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