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	<title>Personal Finance Advice &#187; Credit</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Pride vs. Shame in Financial Matters</title>
		<link>http://www.pfadvice.com/2010/06/18/pride-vs-shame-in-financial-matters/</link>
		<comments>http://www.pfadvice.com/2010/06/18/pride-vs-shame-in-financial-matters/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 07:01:55 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[financial matters]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[pride]]></category>
		<category><![CDATA[shame]]></category>
		<category><![CDATA[stop paying mortgage]]></category>
		<category><![CDATA[unethical]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6196</guid>
		<description><![CDATA[I read an article on MSNBC.com this week about how people are not paying on their homes and voluntarily entering foreclosure so that they can save money. The gist of the piece is that these people have simply decided to stop paying on the home and use the money for doing more fun things in [...]]]></description>
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		<slash:comments>13</slash:comments>
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		<title>Dave Ramsey Financial Peace University: Week 5</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>7</slash:comments>
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		<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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		<title>Little House on the Prairie Financial Lessons</title>
		<link>http://www.pfadvice.com/2009/07/23/little-house-on-the-prairie-financial-lessons/</link>
		<comments>http://www.pfadvice.com/2009/07/23/little-house-on-the-prairie-financial-lessons/#comments</comments>
		<pubDate>Thu, 23 Jul 2009 07:01:29 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[Christmas costs]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[financial lesson]]></category>
		<category><![CDATA[Little House on the Prarie]]></category>
		<category><![CDATA[tough times]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4872</guid>
		<description><![CDATA[I grew up watching Little House on the Prairie in the 70&#8242;s. Each episode had a moral to it, but it wasn&#8217;t until I staged a marathon viewing session courtesy of Netflix that I realized how many of those episodes dealt with the subject of money in some form. Maybe some of my money habits [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/07/23/little-house-on-the-prairie-financial-lessons/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<title>A Life Without Debt: Simple Credit Reports</title>
		<link>http://www.pfadvice.com/2009/06/30/a-life-without-debt-simple-credit-reports/</link>
		<comments>http://www.pfadvice.com/2009/06/30/a-life-without-debt-simple-credit-reports/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 07:01:11 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[annual credit report]]></category>
		<category><![CDATA[annualcreditreport.com]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4783</guid>
		<description><![CDATA[It takes my neighbor hours to pay all her bills while being debt free keeps me from that onerous chore, saving me valuable time. The same neighbor taught me about another time saving aspect of being debt free. This neighbor requested her free credit report from AnnualCreditReport. I had mentioned it to her some time [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/06/30/a-life-without-debt-simple-credit-reports/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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		<title>Stay Strong and on Budget</title>
		<link>http://www.pfadvice.com/2009/01/03/stay-strong-and-on-budget/</link>
		<comments>http://www.pfadvice.com/2009/01/03/stay-strong-and-on-budget/#comments</comments>
		<pubDate>Sat, 03 Jan 2009 08:01:09 +0000</pubDate>
		<dc:creator>Jennifer Touchette</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[lessons from mom]]></category>
		<category><![CDATA[review your budget]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=3752</guid>
		<description><![CDATA[This is one of the hardest times of the year for me to continue setting money aside. For one, the money we earmarked for gifts has been spent, which makes the total in our account look smaller than usual. I&#8217;ve learned some techniques to stay on the savings course from my dear mother. She went [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/01/03/stay-strong-and-on-budget/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>9 Ways to Maximize Time in College</title>
		<link>http://www.pfadvice.com/2007/12/14/9-ways-to-maximize-time-in-college/</link>
		<comments>http://www.pfadvice.com/2007/12/14/9-ways-to-maximize-time-in-college/#comments</comments>
		<pubDate>Fri, 14 Dec 2007 22:06:06 +0000</pubDate>
		<dc:creator>Marilyn Brodeur</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[advisors]]></category>
		<category><![CDATA[AP exam]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[community college]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[graduation]]></category>
		<category><![CDATA[major]]></category>
		<category><![CDATA[prerequisites]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[summer school]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/12/14/101961_9-ways-to-maximize-time-in-college.html</guid>
		<description><![CDATA[One of the major costs of college is the amount of time you stay there. By being able to graduate in a shorter period of time, students can not only save on tuition, but also college related expenses such as room and board. So what can college students do to ensure they spend no more [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2007/12/14/9-ways-to-maximize-time-in-college/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Cut College Costs in Half through Community College</title>
		<link>http://www.pfadvice.com/2007/12/13/cut-college-costs-in-half-through-community-college/</link>
		<comments>http://www.pfadvice.com/2007/12/13/cut-college-costs-in-half-through-community-college/#comments</comments>
		<pubDate>Thu, 13 Dec 2007 22:06:33 +0000</pubDate>
		<dc:creator>Marilyn Brodeur</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[community college]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[independent study]]></category>
		<category><![CDATA[major]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[university exchange]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/12/13/101960_cut-college-costs-in-half-through-community-college.html</guid>
		<description><![CDATA[While one way to cut the cost of college is take AP classes, many cost saving college pundits suggest another is going to a less expensive community college rather than starting straight off at a more expensive 4-year university. I agree with them. I also think those savings should also be claimed by high school [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2007/12/13/cut-college-costs-in-half-through-community-college/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How to Reduce College Credit Cost By 90%</title>
		<link>http://www.pfadvice.com/2007/12/11/how-to-reduce-college-credit-cost-by-90/</link>
		<comments>http://www.pfadvice.com/2007/12/11/how-to-reduce-college-credit-cost-by-90/#comments</comments>
		<pubDate>Tue, 11 Dec 2007 12:37:36 +0000</pubDate>
		<dc:creator>Marilyn Brodeur</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[AP exam]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[major]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/12/11/101958_how-to-reduce-college-credit-cost-by-90.html</guid>
		<description><![CDATA[Oh the AP tests. One 4-hour exam can determine the fate of a whole college course. The 1st two weeks each May, high schoolers across the US gather at testing sites to spill their brains onto their testing booklets in the hopes of proving they are worthy of college credit. Here are the basics. This [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2007/12/11/how-to-reduce-college-credit-cost-by-90/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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