<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Personal Finance Advice &#187; Debt</title>
	<atom:link href="http://www.pfadvice.com/category/debt/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
	<lastBuildDate>Thu, 18 Mar 2010 07:01:03 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<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>2</slash:comments>
		</item>
		<item>
		<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>
		</item>
		<item>
		<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>
		</item>
		<item>
		<title>A Life Without Debt: Take Care of Your Stuff</title>
		<link>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/</link>
		<comments>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 07:01:03 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[possessions]]></category>
		<category><![CDATA[routine maintenance]]></category>
		<category><![CDATA[take care of your stuff]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5788</guid>
		<description><![CDATA[One of the ways we&#8217;ve managed to avoid debt is very simple: We take care of all of our possessions so that they will last. Making things last longer means we don&#8217;t have to replace them as often, saving us large amounts of money. This sounds like a no brainer, but I&#8217;m always surprised by [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/09/a-life-without-debt-take-care-of-your-stuff/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<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>
		</item>
		<item>
		<title>A Life Without Debt: It&#8217;s a Strange Time Warp</title>
		<link>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/</link>
		<comments>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 07:01:13 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></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 free life]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[slow pace life]]></category>
		<category><![CDATA[time warp]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5759</guid>
		<description><![CDATA[I&#8217;ve been giving this some thought lately and I&#8217;m beginning to suspect that time moves differently for debt free people than for those with loads of debt. Speaking from my own experience and the experiences of other debt free people that I know, the debt free seem to experience life at a much slower pace [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/02/a-life-without-debt-its-a-strange-time-warp/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University: Week Two</title>
		<link>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/</link>
		<comments>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/#comments</comments>
		<pubDate>Thu, 25 Feb 2010 07:01:13 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[active role]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[family finances]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[money and relationships]]></category>
		<category><![CDATA[money fights]]></category>
		<category><![CDATA[quickie budget]]></category>
		<category><![CDATA[spending habits]]></category>
		<category><![CDATA[teaching kids about money]]></category>
		<category><![CDATA[tithing]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5740</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 two (week one)
This week&#8217;s lesson is about money and relationships. I was excited about this week because relationships are something that everyone has to deal with, no matter how much money they do or [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/25/dave-ramsey-financial-peace-university-week-two/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Complacency Is The Enemy</title>
		<link>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/</link>
		<comments>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/#comments</comments>
		<pubDate>Tue, 23 Feb 2010 07:01:41 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[apathetic]]></category>
		<category><![CDATA[complacency]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[financial life]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5738</guid>
		<description><![CDATA[One of the biggest enemies of a debt free life is complacency. Not only is it an enemy, it&#8217;s a very sneaky enemy. When you become complacent (apathetic is another good word for this problem) you relax too much. You stop worrying about where your money is going. You start spending more and more, thinking [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/23/a-life-without-debt-complacency-is-the-enemy/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University: Week One</title>
		<link>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/</link>
		<comments>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 07:42:22 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[$1000]]></category>
		<category><![CDATA[$1000 emergency fund]]></category>
		<category><![CDATA[basic budget]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[money is amoral]]></category>
		<category><![CDATA[Week one]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5730</guid>
		<description><![CDATA[When I heard that Dave Ramsey&#8217;s Financial Peace University was being taught at my church this year, I was intrigued. I&#8217;ve read Dave Ramsey&#8217;s books and heard his show on Fox Business channel, but I&#8217;ve always found myself wondering exactly what about him and his advice makes people shell out $100 for the thirteen week [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/18/dave-ramsey-financial-peace-university-week-one/feed/</wfw:commentRss>
		<slash:comments>18</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: The Debt Free Hobbyist</title>
		<link>http://www.pfadvice.com/2010/02/16/a-life-without-debt-the-debt-free-hobbyist/</link>
		<comments>http://www.pfadvice.com/2010/02/16/a-life-without-debt-the-debt-free-hobbyist/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 07:01:31 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[disposable income]]></category>
		<category><![CDATA[hobbiest]]></category>
		<category><![CDATA[hobby]]></category>
		<category><![CDATA[photography]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5720</guid>
		<description><![CDATA[One of the great things about being debt free is the freedom it gives me to pursue the hobbies I love without compromising my participation because I&#8217;m tapped out. I recently got back into photography, something I&#8217;d done in high school but pushed aside over the years as other things took priority. To get started, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/16/a-life-without-debt-the-debt-free-hobbyist/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
	</channel>
</rss>
