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	<title>Personal Finance Advice &#187; Credit Cards</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Dave Ramsey Financial Peace University: Week Five</title>
		<link>http://www.pfadvice.com/2010/03/18/dave-ramsey-financial-peace-university-week-five/</link>
		<comments>http://www.pfadvice.com/2010/03/18/dave-ramsey-financial-peace-university-week-five/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 07:01:03 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit agancies]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt score]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[poorly managed debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5814</guid>
		<description><![CDATA[This week&#8217;s lecture was about credit reports, credit reporting bureaus, identity theft, and collection agencies. Quite a scattering of topics. The first part of the class was on credit scores and credit bureaus. Dave makes the point that a FICO score is an, &#8220;I love debt score&#8221; because the only way to get a FICO [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/18/dave-ramsey-financial-peace-university-week-five/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>A Life Without Debt: Finding Satisfaction in Being Fiscally Responsible</title>
		<link>http://www.pfadvice.com/2010/03/16/a-life-without-debt-finding-satisfaction-in-being-fiscally-responsible/</link>
		<comments>http://www.pfadvice.com/2010/03/16/a-life-without-debt-finding-satisfaction-in-being-fiscally-responsible/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 07:01:18 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[acting responsible]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[delay satisfaction]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5812</guid>
		<description><![CDATA[I frequently hear people bemoan the choices they have made when it comes time to &#8220;man up&#8221; and be financially responsible. They grieve over the vacation they have to cancel due to a layoff. They cry over the kitchen renovation that has to be put off when the roof needs replacing. They sob when they [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/16/a-life-without-debt-finding-satisfaction-in-being-fiscally-responsible/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>Dave Ramsey Financial Peace University Review: Week 4</title>
		<link>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/</link>
		<comments>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 07:01:21 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[15 year mortgage]]></category>
		<category><![CDATA[30 year mortgage]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debit cards]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[gazelle intense]]></category>
		<category><![CDATA[money myths]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5790</guid>
		<description><![CDATA[This is a series of posts about what you will find in Dave Ramsey&#8217;s Financial Peace University course. This is week four (week one &#8212; week two and week three)
This week&#8217;s lesson focused on getting out of debt. We&#8217;re getting to the meat of the plan now, and I was eager to hear Dave&#8217;s ideas [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/11/dave-ramsey-financial-peace-university-review-week-4/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
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		<title>Dave Ramsey Financial Peace University: Week 3</title>
		<link>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/</link>
		<comments>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/#comments</comments>
		<pubDate>Thu, 04 Mar 2010 07:01:45 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget forms]]></category>
		<category><![CDATA[budget software]]></category>
		<category><![CDATA[cash flow planning]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[envelope system]]></category>
		<category><![CDATA[financial problems]]></category>
		<category><![CDATA[four walls]]></category>
		<category><![CDATA[giving]]></category>
		<category><![CDATA[money plan]]></category>
		<category><![CDATA[where the money is going]]></category>
		<category><![CDATA[zero based budget]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5763</guid>
		<description><![CDATA[This is a series of posts about what you will find in Dave Ramsey&#8217;s Financial Peace University course. This is week three (week one and week two)
The lesson for this week was cash flow planning, also known as budgeting. You could see everybody approaching this lesson with trepidation. Not only does it mean more work, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/04/dave-ramsey-financial-peace-university-week-3/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
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		<title>A Life Without Debt: Think Before Marrying Debt</title>
		<link>http://www.pfadvice.com/2010/01/05/a-life-without-debt-think-before-marrying-debt/</link>
		<comments>http://www.pfadvice.com/2010/01/05/a-life-without-debt-think-before-marrying-debt/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 07:01:41 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[financial compatibility]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[marrying debt]]></category>
		<category><![CDATA[money goals]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5607</guid>
		<description><![CDATA[I married a man just like me. He had no debt going into our marriage and no desire to incur any. This has made it very easy for us to create a financial life together that we both agree on and enjoy. I know many other couples who are not so lucky and this has [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/01/05/a-life-without-debt-think-before-marrying-debt/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Engineering a Debt Free Life</title>
		<link>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/</link>
		<comments>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 07:01:23 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt mantra]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[recreational shopping]]></category>
		<category><![CDATA[remove temptation]]></category>
		<category><![CDATA[watching TV]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5581</guid>
		<description><![CDATA[Many people want to be out of debt. They talk about it and they may even take steps toward the goal. They may make up their minds that they will never have debt (again) and that may become their mantra. They may have the best can-do attitude out there. Yet they may still fail. Why? [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/12/22/a-life-without-debt-engineering-a-debt-free-life/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>You Have Too Much Cash and It&#8217;s Costing You Money</title>
		<link>http://www.pfadvice.com/2009/11/29/you-have-too-much-cash-and-its-costing-you-money/</link>
		<comments>http://www.pfadvice.com/2009/11/29/you-have-too-much-cash-and-its-costing-you-money/#comments</comments>
		<pubDate>Sun, 29 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[behavioral economics]]></category>
		<category><![CDATA[cellphone apps]]></category>
		<category><![CDATA[Dan Ariely]]></category>
		<category><![CDATA[Duke University]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[iphone]]></category>
		<category><![CDATA[iPhone apps]]></category>
		<category><![CDATA[order to pay off debt]]></category>
		<category><![CDATA[rational money decisions]]></category>
		<category><![CDATA[saving cash]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5510</guid>
		<description><![CDATA[Dan Ariely, a professor of Behavioral Economics at Duke University, says that studies show that when people pay off loans, they pay off the small loans first rather than the loans with the highest interest rate. Studies also show that even when people have debt, they keep a lot of cash. Both of these in [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/29/you-have-too-much-cash-and-its-costing-you-money/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>The Perils of Pre-Paid Gift Cards</title>
		<link>http://www.pfadvice.com/2009/11/19/the-perils-of-pre-paid-gift-cards/</link>
		<comments>http://www.pfadvice.com/2009/11/19/the-perils-of-pre-paid-gift-cards/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 07:01:40 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[gift card expiration dates]]></category>
		<category><![CDATA[gift card fees]]></category>
		<category><![CDATA[gift cards]]></category>
		<category><![CDATA[gift credit cards]]></category>
		<category><![CDATA[holiday season gifts]]></category>
		<category><![CDATA[MasterCard]]></category>
		<category><![CDATA[prepaid debt cards]]></category>
		<category><![CDATA[prepaid gift cards]]></category>
		<category><![CDATA[store value cards]]></category>
		<category><![CDATA[swipe fees]]></category>
		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5410</guid>
		<description><![CDATA[As we head into the holiday season and start looking for gifts to give to those hard to buy for people, gift cards stand out as easy gifts that everyone enjoys. But if you&#8217;re thinking of giving a pre-paid gift card that&#8217;s branded with a credit card logo, you might want to think of another [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/19/the-perils-of-pre-paid-gift-cards/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Work Doesn&#8217;t Have To Be A Drag</title>
		<link>http://www.pfadvice.com/2009/11/17/a-life-without-debt-work-doesnt-have-to-be-a-drag/</link>
		<comments>http://www.pfadvice.com/2009/11/17/a-life-without-debt-work-doesnt-have-to-be-a-drag/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[can't quit job]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[freelance work]]></category>
		<category><![CDATA[full-time work]]></category>
		<category><![CDATA[job]]></category>
		<category><![CDATA[miserable at work]]></category>
		<category><![CDATA[part-time job]]></category>
		<category><![CDATA[real job]]></category>
		<category><![CDATA[work environment]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5412</guid>
		<description><![CDATA[My last &#8220;real job&#8221; where I worked full-time for someone else was a mess. There was sexual harassment, bullying, unfair hours and demands, and all sorts of other foolishness going on. I was young and hadn&#8217;t yet saved up a large emergency fund, so leaving wasn&#8217;t possible unless I had another job lined up. Not [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/17/a-life-without-debt-work-doesnt-have-to-be-a-drag/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Not Immune From The Credit Crisis</title>
		<link>http://www.pfadvice.com/2009/11/03/a-life-without-debt-not-immune-from-the-credit-crisis/</link>
		<comments>http://www.pfadvice.com/2009/11/03/a-life-without-debt-not-immune-from-the-credit-crisis/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[available credit]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card reward]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[economic crisis]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[no debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5360</guid>
		<description><![CDATA[I knew it was bound to happen, but I&#8217;d been hoping that somehow I&#8217;d avoid it. Despite having excellent credit and no debt, we got a letter from one of our credit card companies dropping our limit from $10,000 to $300. This was done because of &#8220;inactivity&#8221; on our account, which really translates into the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/03/a-life-without-debt-not-immune-from-the-credit-crisis/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
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