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	<title>Personal Finance Advice &#187; Debt Reduction</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>Snowflaking: 30 Ways to Snowflake Your Debt Away</title>
		<link>http://www.pfadvice.com/2012/01/11/debt-snowflake-snowflaking-your-debt-away/</link>
		<comments>http://www.pfadvice.com/2012/01/11/debt-snowflake-snowflaking-your-debt-away/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 17:12:25 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt plan]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[debt snowflake]]></category>
		<category><![CDATA[reducing debt]]></category>
		<category><![CDATA[snowflaking]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8655</guid>
		<description><![CDATA[Most people that have decided to take control of their finances and reduce their debt have come across at least one of the various debt snowball methods. Basically, creating a debt snowball is a way to arrange one&#8217;s debt so as to tackle a single debt at a time (to more efficiently pay off the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/11/debt-snowflake-snowflaking-your-debt-away/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Busking: Strange Ways to Make Money</title>
		<link>http://www.pfadvice.com/2010/09/29/busking-strange-ways-to-make-money/</link>
		<comments>http://www.pfadvice.com/2010/09/29/busking-strange-ways-to-make-money/#comments</comments>
		<pubDate>Wed, 29 Sep 2010 09:04:26 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[busking]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[performing]]></category>
		<category><![CDATA[raw talent]]></category>
		<category><![CDATA[street crowds]]></category>
		<category><![CDATA[street performer]]></category>
		<category><![CDATA[street talent]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6548</guid>
		<description><![CDATA[If you want to make a little extra money and you have a talent, you can give busking a try. Busking is performing in streets, train stations, or subways for money. You put on your show and you leave a hat, jar, or some other container out for the public to drop money in if [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/09/29/busking-strange-ways-to-make-money/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Bliss vs. Suffering: A Life Without Debt</title>
		<link>http://www.pfadvice.com/2010/05/25/bliss-vs-suffering/</link>
		<comments>http://www.pfadvice.com/2010/05/25/bliss-vs-suffering/#comments</comments>
		<pubDate>Tue, 25 May 2010 07:01:15 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bliss]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free living]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[happiness]]></category>
		<category><![CDATA[Inhale]]></category>
		<category><![CDATA[Oxygen network]]></category>
		<category><![CDATA[Steve Ross]]></category>
		<category><![CDATA[suffering]]></category>
		<category><![CDATA[yoga]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6116</guid>
		<description><![CDATA[I&#8217;m a big fan of the yoga program &#8220;Inhale&#8221; on the Oxygen network. The host, Steve Ross, likes to say (when talking about mental health) that, &#8220;Psychology is based on suffering. Yoga is based on bliss.&#8221; What he means is that psychology generally assumes some misery is present and tries to rectify it. You&#8217;re depressed, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/25/bliss-vs-suffering/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Finding Motivation: A Life Without Debt</title>
		<link>http://www.pfadvice.com/2010/05/18/finding-motivation-a-life-without-debt/</link>
		<comments>http://www.pfadvice.com/2010/05/18/finding-motivation-a-life-without-debt/#comments</comments>
		<pubDate>Tue, 18 May 2010 07:01:28 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[big goal]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt goals]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[get out of debt]]></category>
		<category><![CDATA[money motivation]]></category>
		<category><![CDATA[saving motivation]]></category>
		<category><![CDATA[set goals]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6092</guid>
		<description><![CDATA[I&#8217;m frequently asked how I stay motivated to remain out of debt. After all, there are so many temptations and so many fun things that I could blow my money on. People assume that it is hard for me to remain motivated and disciplined. Sometimes it is. Like anyone else, I have days when I [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/18/finding-motivation-a-life-without-debt/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 13</title>
		<link>http://www.pfadvice.com/2010/05/13/dave-ramsey-financial-peace-university-review-week-13/</link>
		<comments>http://www.pfadvice.com/2010/05/13/dave-ramsey-financial-peace-university-review-week-13/#comments</comments>
		<pubDate>Thu, 13 May 2010 07:01:34 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[dave ramsey final lesson]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[FPU]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6068</guid>
		<description><![CDATA[This final lesson was about Baby Step 7, Build Wealth and Give. Everything has been leading up to this. We&#8217;ve been taught how to get out of debt, save money, and invest so that we can build wealth, not only for ourselves but so that we can give some away. I&#8217;ve mentioned the religious nature [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/13/dave-ramsey-financial-peace-university-review-week-13/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Learning to Love What You Have: A Life Without Debt</title>
		<link>http://www.pfadvice.com/2010/05/11/learning-to-love-what-you-have-a-life-without-debt/</link>
		<comments>http://www.pfadvice.com/2010/05/11/learning-to-love-what-you-have-a-life-without-debt/#comments</comments>
		<pubDate>Tue, 11 May 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 Reduction]]></category>
		<category><![CDATA[love what you have]]></category>
		<category><![CDATA[new stuff lust]]></category>
		<category><![CDATA[stuff]]></category>
		<category><![CDATA[value]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6066</guid>
		<description><![CDATA[One of the best ways to become and remain debt free is to simply learn to love what you already have. It&#8217;s human nature to be swayed by the glitter and gloss of new items. You drive past a new car lot and think, &#8220;Wow, those cars are so great.&#8221; Or you walk into Target [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/11/learning-to-love-what-you-have-a-life-without-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>A Plan For When You&#8217;re Debt Free &#8211; A Life Without Debt</title>
		<link>http://www.pfadvice.com/2010/05/04/debt-free-plan/</link>
		<comments>http://www.pfadvice.com/2010/05/04/debt-free-plan/#comments</comments>
		<pubDate>Tue, 04 May 2010 07:01:58 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[after debt]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free budget]]></category>
		<category><![CDATA[debt free plan]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[money priorities]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=6028</guid>
		<description><![CDATA[Congratulations! You paid off that last debt and you&#8217;re officially debt free. After the celebration party ends, you&#8217;re likely to be confronted with one thought: Now what? You&#8217;ve just spent months or years focused on the goal of getting out of debt. Now that you&#8217;re there, what do you do next? It can be difficult [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/04/debt-free-plan/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 11</title>
		<link>http://www.pfadvice.com/2010/04/29/dave-ramsey-financial-peace-university-review-week-11/</link>
		<comments>http://www.pfadvice.com/2010/04/29/dave-ramsey-financial-peace-university-review-week-11/#comments</comments>
		<pubDate>Thu, 29 Apr 2010 07:01:42 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dan Miller]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[DISC]]></category>
		<category><![CDATA[extra work]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[meaningful work]]></category>
		<category><![CDATA[overtime]]></category>
		<category><![CDATA[pay off debt]]></category>
		<category><![CDATA[what color is your parachute]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5994</guid>
		<description><![CDATA[All of our other lessons up to this point have focused on saving money and paying off debt. But this week&#8217;s lesson was about making money. It makes sense. You need to make good money to pay off debt, build wealth, and plan for a secure financial future. That doesn&#8217;t have to mean hundreds of [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/29/dave-ramsey-financial-peace-university-review-week-11/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Am I Truly Free from Financial Bondage? A Life Without Debt</title>
		<link>http://www.pfadvice.com/2010/04/27/am-i-truly-free-a-life-without-debt/</link>
		<comments>http://www.pfadvice.com/2010/04/27/am-i-truly-free-a-life-without-debt/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 07:01:55 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt payments]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[financial bondage]]></category>
		<category><![CDATA[financial obligations]]></category>
		<category><![CDATA[no debt]]></category>
		<category><![CDATA[no mortgage]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5985</guid>
		<description><![CDATA[I talk a lot about being debt free, but recently this question came up amongst friends: Am I as free as I think I am? I have no debt of any kind, so I am free from obligations to creditors. The bank cannot come take my house if I don&#8217;t pay my mortgage, my car [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/27/am-i-truly-free-a-life-without-debt/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 10</title>
		<link>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/</link>
		<comments>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 07:01:03 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[baby steps]]></category>
		<category><![CDATA[college fund]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Financial Peace University review]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement saving]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[SEPP]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5960</guid>
		<description><![CDATA[This week we moved on to Baby Steps Four and Five, which are saving for retirement and saving for your kids&#8217; college education. Baby step four was on deck first, which is to save 15% of your household income in tax-advantaged plans. Dave points out that, at the time this class was filmed, 53% of [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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