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	<title>Personal Finance Advice &#187; Debt</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>Barrel of Monkeys or Barrel of Money?</title>
		<link>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/</link>
		<comments>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 07:01:50 +0000</pubDate>
		<dc:creator>M. Beddingfield</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[barrel of monkeys]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[monkeyshines]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[savings account]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4554</guid>
		<description><![CDATA[We all remember fondly the games we played when we were children. There is a simple game that kept me entertained when I was young. It was called Barrel of Monkeys. My Barrel of Monkeys came in a bright yellow plastic barrel with twelve monkeys inside. The monkeys&#8217; arms were sort of S curved and [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/17/barrel-of-monkeys-or-barrel-of-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<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>Financial Misery Loves Company</title>
		<link>http://www.pfadvice.com/2011/06/22/financial-misery-loves-company/</link>
		<comments>http://www.pfadvice.com/2011/06/22/financial-misery-loves-company/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 11:28:09 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></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[Shopping]]></category>
		<category><![CDATA[financially irresponsible]]></category>
		<category><![CDATA[financially secure]]></category>
		<category><![CDATA[misery loves company]]></category>
		<category><![CDATA[money and friendship]]></category>
		<category><![CDATA[over consumption]]></category>
		<category><![CDATA[spending too much]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7373</guid>
		<description><![CDATA[When you and all of your friends or family are deeply in debt, you can all be miserable together. You can gripe about your finances, complain about how there&#8217;s never enough money for everything, and then go shopping anyway. You can egg each other into further debt by saying things like, &#8220;You&#8217;re only young once,&#8221; [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/06/22/financial-misery-loves-company/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Money and Weight Loss: Getting Past the Plateau</title>
		<link>http://www.pfadvice.com/2011/05/24/money-and-weight-loss-getting-past-the-plateau/</link>
		<comments>http://www.pfadvice.com/2011/05/24/money-and-weight-loss-getting-past-the-plateau/#comments</comments>
		<pubDate>Tue, 24 May 2011 09:22:18 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[financial challenges]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial sacrifice]]></category>
		<category><![CDATA[hitting the plateau]]></category>
		<category><![CDATA[personal finances]]></category>
		<category><![CDATA[weight loss]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7291</guid>
		<description><![CDATA[Getting your finances in order is a lot like weight loss. You start off great in the beginning. You drop a lot of debt quickly. It&#8217;s almost too easy to cut expenses. You realize that you&#8217;ve got lots of things you can cut and you eagerly drop unwanted services, renegotiate bills, stop eating out, and [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/05/24/money-and-weight-loss-getting-past-the-plateau/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stop Robbing Your Future Wealth</title>
		<link>http://www.pfadvice.com/2011/03/28/stop-robbing-your-future-wealth/</link>
		<comments>http://www.pfadvice.com/2011/03/28/stop-robbing-your-future-wealth/#comments</comments>
		<pubDate>Mon, 28 Mar 2011 17:47:23 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[car loans]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[future wealth]]></category>
		<category><![CDATA[home equity]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7074</guid>
		<description><![CDATA[One of the hardest things for many people to see in relation to their finances is how their actions today are robbing them of future wealth. It&#8217;s easy to focus on today and think that if you can make the payments on that living room set that it&#8217;s okay. It&#8217;s easy to think that borrowing [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/03/28/stop-robbing-your-future-wealth/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>What Changes Your Life?</title>
		<link>http://www.pfadvice.com/2011/01/25/what-changes-your-life/</link>
		<comments>http://www.pfadvice.com/2011/01/25/what-changes-your-life/#comments</comments>
		<pubDate>Tue, 25 Jan 2011 09:48:24 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[change your life]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[financial decisions]]></category>
		<category><![CDATA[financila life]]></category>
		<category><![CDATA[paying debt]]></category>
		<category><![CDATA[take action]]></category>
		<category><![CDATA[time and energy]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6933</guid>
		<description><![CDATA[When it&#8217;s time to make financial decisions such as contributing to your retirement, paying down debt, saving for college, buying a home, and building an emergency fund, you need to ask yourself a question. &#8220;Will this change my life for the better?&#8221; This question is important because it&#8217;s the opposite of the question people usually [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/01/25/what-changes-your-life/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>We Create Many of Our Own Financial Problems</title>
		<link>http://www.pfadvice.com/2011/01/13/we-create-many-of-our-own-financial-problems/</link>
		<comments>http://www.pfadvice.com/2011/01/13/we-create-many-of-our-own-financial-problems/#comments</comments>
		<pubDate>Thu, 13 Jan 2011 09:00:29 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt level]]></category>
		<category><![CDATA[financial choices]]></category>
		<category><![CDATA[financial issues]]></category>
		<category><![CDATA[financial problems]]></category>
		<category><![CDATA[money problems]]></category>
		<category><![CDATA[poor decisions]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6864</guid>
		<description><![CDATA[A coworker came to me moaning about her debt level the other day. Her New Year&#8217;s resolution is to get out of debt and she wanted to know where to start. I asked her what kind of debt she had. Car loans? Student loans? Credit cards? Almost all of the debt she had was from [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/01/13/we-create-many-of-our-own-financial-problems/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Pain Free Cost Cutting</title>
		<link>http://www.pfadvice.com/2011/01/11/pain-free-cost-cutting/</link>
		<comments>http://www.pfadvice.com/2011/01/11/pain-free-cost-cutting/#comments</comments>
		<pubDate>Tue, 11 Jan 2011 09:10:53 +0000</pubDate>
		<dc:creator>Jeffrey Strain</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[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[better deals]]></category>
		<category><![CDATA[cost cutting]]></category>
		<category><![CDATA[getting the best deal]]></category>
		<category><![CDATA[pain free cost cutting]]></category>
		<category><![CDATA[pain free saving]]></category>
		<category><![CDATA[painless cost cutting]]></category>
		<category><![CDATA[painless saving]]></category>
		<category><![CDATA[promotional time periods]]></category>
		<category><![CDATA[renegotiate]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6876</guid>
		<description><![CDATA[Over the years, I have called the cable company to reduce the amount of money my mom pays for her cable TV on a fairly regular basis. I just did it again this week and saved her $170 over a 6 month period. No matter how many times I tell my mom that she needs [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/01/11/pain-free-cost-cutting/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Fast or Slow: The Best Way to Pay Down Debt</title>
		<link>http://www.pfadvice.com/2010/07/05/fast-or-slow-the-best-way-to-pay-down-debt/</link>
		<comments>http://www.pfadvice.com/2010/07/05/fast-or-slow-the-best-way-to-pay-down-debt/#comments</comments>
		<pubDate>Mon, 05 Jul 2010 07:20:10 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[best way to pay debt]]></category>
		<category><![CDATA[debt payment]]></category>
		<category><![CDATA[debt repayment]]></category>
		<category><![CDATA[how to pay off debt]]></category>
		<category><![CDATA[pay debt fast]]></category>
		<category><![CDATA[pay debt slowly]]></category>
		<category><![CDATA[pay down debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6298</guid>
		<description><![CDATA[When it comes time to pay down debt, there are two schools of thought. The first argues that you should pay it all down as quickly as possible. This may mean taking on extra jobs and sacrificing all of your fun and frivolous spending for as long as it takes to get the job done. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/07/05/fast-or-slow-the-best-way-to-pay-down-debt/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>I Just Can&#8217;t Live Within My Means!</title>
		<link>http://www.pfadvice.com/2010/06/01/i-just-cant-live-within-my-means/</link>
		<comments>http://www.pfadvice.com/2010/06/01/i-just-cant-live-within-my-means/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 07:01:11 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[adjust living standard]]></category>
		<category><![CDATA[audit expenses]]></category>
		<category><![CDATA[extra money]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[live above your means]]></category>
		<category><![CDATA[living within your means]]></category>
		<category><![CDATA[no extra money]]></category>
		<category><![CDATA[pay down debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6140</guid>
		<description><![CDATA[The other day I heard someone make the argument that most financial advice was of no use to them because it assumes that you have some extra money, you just need to &#8220;find it.&#8221; &#8220;I literally have no extra money,&#8221; this person said. &#8220;Every dime I have goes to the mortgage, food, or the utilities. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/06/01/i-just-cant-live-within-my-means/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
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