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	<title>SavingAdvice.com Blog &#187; Debt</title>
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	<link>http://www.savingadvice.com/articles</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>10 Calls To Make To Save Money</title>
		<link>http://www.savingadvice.com/articles/2012/05/24/1010601_10-calls-to-make-to-save-money.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/24/1010601_10-calls-to-make-to-save-money.html#comments</comments>
		<pubDate>Thu, 24 May 2012 15:35:44 +0000</pubDate>
		<dc:creator>Danielle Warchol</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[X Files]]></category>
		<category><![CDATA[cable bill]]></category>
		<category><![CDATA[call to save]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[credit card interest rate]]></category>
		<category><![CDATA[haggle]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[lower bills]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[painless saving]]></category>
		<category><![CDATA[phone calls]]></category>
		<category><![CDATA[save money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10601</guid>
		<description><![CDATA[Many people often pay their bills while grumbling about how much they have to pay. It&#8217;s true that many services are very overpriced, but what most people don&#8217;t realize is that some of these services can easily be lowered. Sometimes all you have to do is make a phone call to the customer service department [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/24/1010601_10-calls-to-make-to-save-money.html/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>10 Clues You Are Trying To Keep Up With The Joneses</title>
		<link>http://www.savingadvice.com/articles/2012/05/15/109921_10-clues-you-are-trying-to-keep-up-with-the-joneses.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/15/109921_10-clues-you-are-trying-to-keep-up-with-the-joneses.html#comments</comments>
		<pubDate>Tue, 15 May 2012 15:13:20 +0000</pubDate>
		<dc:creator>Dana O. Crandell</dc:creator>
				<category><![CDATA[Cars]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[brand names]]></category>
		<category><![CDATA[Joneses]]></category>
		<category><![CDATA[keeping up with the Joneses]]></category>
		<category><![CDATA[latest gadgets]]></category>
		<category><![CDATA[monthly bills]]></category>
		<category><![CDATA[rent-to-own]]></category>
		<category><![CDATA[status symbols]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9921</guid>
		<description><![CDATA[It&#8217;s an easy trap to fall into. Your friends have cool stuff. You buy cool stuff. Before you realize it, you&#8217;re surrounded by the latest and greatest model of everything and working 3 jobs to pay for it all. The easiest way to stop the madness is to recognize the signs and break the cycle [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/15/109921_10-clues-you-are-trying-to-keep-up-with-the-joneses.html/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>10 Money Lessons From Benjamin Franklin</title>
		<link>http://www.savingadvice.com/articles/2012/05/10/1010182_10-money-lessons-from-ben-franklin.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/10/1010182_10-money-lessons-from-ben-franklin.html#comments</comments>
		<pubDate>Thu, 10 May 2012 17:01:13 +0000</pubDate>
		<dc:creator>Danielle Warchol</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[Shopping]]></category>
		<category><![CDATA[Ben Franklin]]></category>
		<category><![CDATA[Benjamin Franklin]]></category>
		<category><![CDATA[Benjamin Franklin quotes]]></category>
		<category><![CDATA[debt quotes]]></category>
		<category><![CDATA[famous quotes]]></category>
		<category><![CDATA[financial quotes]]></category>
		<category><![CDATA[money advice]]></category>
		<category><![CDATA[money lessons]]></category>
		<category><![CDATA[money quotes]]></category>
		<category><![CDATA[money wisdom]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10182</guid>
		<description><![CDATA[Long before the financial gurus with their TV shows and persona finance books to sell were around, Benjamin Franklin was giving down-to-earth, sound money advice to anyone who would listen. The advice was so sound that it&#8217;s still relevant and applicable to this day. Here are ten money lessons from Ben Franklin that you would [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/10/1010182_10-money-lessons-from-ben-franklin.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Ten Ways We Psychologically Hurt Our Relationship With Money</title>
		<link>http://www.savingadvice.com/articles/2012/05/03/1010493_ten-ways-we-psychologically-hurt-our-relationship-with-money.html</link>
		<comments>http://www.savingadvice.com/articles/2012/05/03/1010493_ten-ways-we-psychologically-hurt-our-relationship-with-money.html#comments</comments>
		<pubDate>Thu, 03 May 2012 16:00:27 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[accumulated debt]]></category>
		<category><![CDATA[bad news]]></category>
		<category><![CDATA[denial]]></category>
		<category><![CDATA[Dr Charles Richards]]></category>
		<category><![CDATA[fear of risk]]></category>
		<category><![CDATA[financial well-being]]></category>
		<category><![CDATA[giving to others]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[money buy happiness]]></category>
		<category><![CDATA[money relationships]]></category>
		<category><![CDATA[money self-esteem]]></category>
		<category><![CDATA[negative thinking]]></category>
		<category><![CDATA[news media]]></category>
		<category><![CDATA[pessimists]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10493</guid>
		<description><![CDATA[By Dr. Charles Richards Why is it that just when everything seems to be going well financially and you feel like you&#8217;re getting ahead, something seems to crop up that alters your plans? In my practice as a psychotherapist, I&#8217;ve seen this pattern play out in clients and others many times. If this has become [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/05/03/1010493_ten-ways-we-psychologically-hurt-our-relationship-with-money.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>When An Over-Spender Ruins Someone You Love</title>
		<link>http://www.savingadvice.com/articles/2012/04/23/1010301_when-an-over-spender-ruins-someone-you-love.html</link>
		<comments>http://www.savingadvice.com/articles/2012/04/23/1010301_when-an-over-spender-ruins-someone-you-love.html#comments</comments>
		<pubDate>Mon, 23 Apr 2012 14:54:52 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bad habits]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[lending money]]></category>
		<category><![CDATA[money and love]]></category>
		<category><![CDATA[money relationship]]></category>
		<category><![CDATA[over spending]]></category>
		<category><![CDATA[over-spender]]></category>
		<category><![CDATA[poor money habits]]></category>
		<category><![CDATA[spending too much]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10301</guid>
		<description><![CDATA[In the interest of protecting the innocent (and the guilty) in this piece, I&#8217;m calling the couple in this story Jake and Joan. They are people I know in real life, but I&#8217;m not going to say whether they&#8217;re friends, family, or acquaintances. All I&#8217;ll say is that I was closer to Jake than Joan [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/04/23/1010301_when-an-over-spender-ruins-someone-you-love.html/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Is There Such A Thing As An Emergency?</title>
		<link>http://www.savingadvice.com/articles/2012/04/19/1010170_is-there-such-a-thing-as-an-emergency.html</link>
		<comments>http://www.savingadvice.com/articles/2012/04/19/1010170_is-there-such-a-thing-as-an-emergency.html#comments</comments>
		<pubDate>Thu, 19 Apr 2012 17:02:42 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[appliance breakdown]]></category>
		<category><![CDATA[car problems]]></category>
		<category><![CDATA[death]]></category>
		<category><![CDATA[emergency expenses]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[financial emergencies]]></category>
		<category><![CDATA[medical expenses]]></category>
		<category><![CDATA[natural disaster]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10170</guid>
		<description><![CDATA[Financial writers (myself included) often talk about the &#8220;emergency fund.&#8221; This is money you set aside so that you can pay for things like medical expenses, car repairs, home repairs, or some other sudden, necessary expense. Having extra money set aside means (ideally) that you don&#8217;t have to pull out the credit card to pay [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/04/19/1010170_is-there-such-a-thing-as-an-emergency.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Things Most People Regret Buying</title>
		<link>http://www.savingadvice.com/articles/2012/04/10/1010096_10-things-most-people-regret-buying.html</link>
		<comments>http://www.savingadvice.com/articles/2012/04/10/1010096_10-things-most-people-regret-buying.html#comments</comments>
		<pubDate>Tue, 10 Apr 2012 17:02:15 +0000</pubDate>
		<dc:creator>Danielle Warchol</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[buying regrets]]></category>
		<category><![CDATA[exercise equipment]]></category>
		<category><![CDATA[financial regrets]]></category>
		<category><![CDATA[I regret that]]></category>
		<category><![CDATA[purchase regrets]]></category>
		<category><![CDATA[sale items]]></category>
		<category><![CDATA[seen on TV]]></category>
		<category><![CDATA[timeshares]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10096</guid>
		<description><![CDATA[As you go through life, you will make purchases that you&#8217;ll be proud of and then you&#8217;ll also make purchases that you will regret. The key is to avoid the purchases you end up regretting as much as possible. One way to do that is to know what purchases others have regretted in the past [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/04/10/1010096_10-things-most-people-regret-buying.html/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>Financial Hardship: Some Positives</title>
		<link>http://www.savingadvice.com/articles/2012/04/09/1010073_financial-hardship-positives.html</link>
		<comments>http://www.savingadvice.com/articles/2012/04/09/1010073_financial-hardship-positives.html#comments</comments>
		<pubDate>Mon, 09 Apr 2012 14:15:11 +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[appreciation]]></category>
		<category><![CDATA[family finances]]></category>
		<category><![CDATA[financial hardship]]></category>
		<category><![CDATA[lack of money]]></category>
		<category><![CDATA[lemons out of lemonade]]></category>
		<category><![CDATA[no money]]></category>
		<category><![CDATA[stretching money]]></category>
		<category><![CDATA[tough times]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=10073</guid>
		<description><![CDATA[When times are tough financially, it&#8217;s tempting to look only at the negatives. It&#8217;s easy to focus on what you can&#8217;t have and what you can&#8217;t do. But there are positives to financial hardship, if you choose to look for them. Having a positive outlook on your financial situation can make it easier to deal [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/04/09/1010073_financial-hardship-positives.html/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>10 Good Reasons to Downsize Your House When You Next Move</title>
		<link>http://www.savingadvice.com/articles/2012/03/28/109736_reasons-to-downsize-your-house-when-you-next-move.html</link>
		<comments>http://www.savingadvice.com/articles/2012/03/28/109736_reasons-to-downsize-your-house-when-you-next-move.html#comments</comments>
		<pubDate>Wed, 28 Mar 2012 17:18:40 +0000</pubDate>
		<dc:creator>Danielle Warchol</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[downsizing]]></category>
		<category><![CDATA[lower costs]]></category>
		<category><![CDATA[reasons to downsize]]></category>
		<category><![CDATA[samll home]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[small home advantages]]></category>
		<category><![CDATA[small house]]></category>
		<category><![CDATA[tiny home]]></category>
		<category><![CDATA[tiny house]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9736</guid>
		<description><![CDATA[When most people move, they are looking to move into a bigger place. I would suggest considering an alternative view and instead of going bigger, look to find the smallest house which will still comfortably meet your needs. Why? Because of the many money saving advantages that come with downsizing which will allow you to [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/03/28/109736_reasons-to-downsize-your-house-when-you-next-move.html/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>How To Quickly Reduce Expenses</title>
		<link>http://www.savingadvice.com/articles/2012/03/23/109760_how-to-quickly-reduce-expenses.html</link>
		<comments>http://www.savingadvice.com/articles/2012/03/23/109760_how-to-quickly-reduce-expenses.html#comments</comments>
		<pubDate>Fri, 23 Mar 2012 20:55:05 +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[cut costs]]></category>
		<category><![CDATA[cut expenses]]></category>
		<category><![CDATA[quick money tips]]></category>
		<category><![CDATA[reduce costs]]></category>
		<category><![CDATA[reduce expenses]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[save money fast]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=9760</guid>
		<description><![CDATA[If you&#8217;re trying to save money, your efforts usually boil down to two basic approaches: Make more money or cut your expenses. Sometimes you may need to cut your expenses quickly, as in the case of a job loss or some disaster that depletes your funds. If you find yourself needing or wanting to cut [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/03/23/109760_how-to-quickly-reduce-expenses.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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