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	<title>Personal Finance Advice &#187; recreational shopping</title>
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		<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>
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		<category><![CDATA[remove temptation]]></category>
		<category><![CDATA[watching TV]]></category>

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		<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>
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		<title>A Life Without Debt: 10 Things That Make Being Debt Free Possible</title>
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		<comments>http://www.pfadvice.com/2009/12/01/a-life-without-debt-10-things-that-make-being-debt-free-possible/#comments</comments>
		<pubDate>Tue, 01 Dec 2009 07:01:07 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Cars]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
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		<category><![CDATA[Personal Finance]]></category>
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		<category><![CDATA[buy cars for cash]]></category>
		<category><![CDATA[debt free]]></category>
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		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[never pay retail]]></category>
		<category><![CDATA[recreational shopping]]></category>
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		<description><![CDATA[When people find out that I&#8217;m debt free, the thing they most want to know is how it&#8217;s possible and how they can achieve it, too. Quickly. They want the crash course or the quick fix to debt free living. I tell them that there really is no quick fix. There&#8217;s no magic pill that [...]]]></description>
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		<title>A Life Without Debt: The Art of Appreciation</title>
		<link>http://www.pfadvice.com/2009/06/09/a-life-without-debt-the-art-of-appreciation/</link>
		<comments>http://www.pfadvice.com/2009/06/09/a-life-without-debt-the-art-of-appreciation/#comments</comments>
		<pubDate>Tue, 09 Jun 2009 07:01:32 +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[Saving Money]]></category>
		<category><![CDATA[art of appreciation]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[financial sacrifice]]></category>
		<category><![CDATA[intentional deprivation]]></category>
		<category><![CDATA[life without debt]]></category>
		<category><![CDATA[reckless spending]]></category>
		<category><![CDATA[recreational shopping]]></category>

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		<description><![CDATA[Some would say that we live a life of deprivation. We don&#8217;t indulge ourselves very often and we rarely buy things without giving them careful consideration. This is a deliberate choice on our part, born not from a lack of money, but from a desire to retain our ability to appreciate everything. When you are [...]]]></description>
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