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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>Barrel of Monkeys or Barrel of Money?</title>
		<link>http://www.savingadvice.com/articles/2012/01/17/104554_barrel-of-monkeys-or-barrel-of-money.html</link>
		<comments>http://www.savingadvice.com/articles/2012/01/17/104554_barrel-of-monkeys-or-barrel-of-money.html#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>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Snowflaking: 30 Ways to Snowflake Your Debt Away</title>
		<link>http://www.savingadvice.com/articles/2012/01/11/108655_debt-snowflake-snowflaking-your-debt-away.html</link>
		<comments>http://www.savingadvice.com/articles/2012/01/11/108655_debt-snowflake-snowflaking-your-debt-away.html#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.savingadvice.com/articles/2012/01/11/108655_debt-snowflake-snowflaking-your-debt-away.html/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
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		<item>
		<title>Debt Snowball: 5 Options</title>
		<link>http://www.savingadvice.com/articles/2012/01/05/108363_debt-snowball-5-options.html</link>
		<comments>http://www.savingadvice.com/articles/2012/01/05/108363_debt-snowball-5-options.html#comments</comments>
		<pubDate>Thu, 05 Jan 2012 17:52:30 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[debt snowball method]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[reducing debt]]></category>
		<category><![CDATA[what debt to pay first]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8363</guid>
		<description><![CDATA[For anyone trying to get out of debt, the debt snowball method has become the choice of many to tackle their debt. This shouldn&#8217;t be a surprise as it is a straightforward and easy to follow method that works. While the basics are the same, there are a variety of different debt snowball approaches that [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2012/01/05/108363_debt-snowball-5-options.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<title>Don&#8217;t Make A Long-Term Commitment If You Don&#8217;t Have To</title>
		<link>http://www.savingadvice.com/articles/2011/11/29/108231_dont-make-a-long-term-commitment-if-you-dont-have-to.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/29/108231_dont-make-a-long-term-commitment-if-you-dont-have-to.html#comments</comments>
		<pubDate>Tue, 29 Nov 2011 17:25:55 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cable TV contract]]></category>
		<category><![CDATA[cell phone contract]]></category>
		<category><![CDATA[club membership]]></category>
		<category><![CDATA[gym contract]]></category>
		<category><![CDATA[monthly expense]]></category>
		<category><![CDATA[monthly services]]></category>
		<category><![CDATA[Netflix]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8231</guid>
		<description><![CDATA[Many people have large contractual or recurring monthly expenses in their budget. Cell phones, gym memberships, club memberships, cable/satellite TV, and data plans for tablets are just a few of the ongoing expenses you may face. These can really add up and you often end up paying even when no one is using the service [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/11/29/108231_dont-make-a-long-term-commitment-if-you-dont-have-to.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>7 Credit Card Myths</title>
		<link>http://www.savingadvice.com/articles/2011/11/11/108034_7-credit-card-myths.html</link>
		<comments>http://www.savingadvice.com/articles/2011/11/11/108034_7-credit-card-myths.html#comments</comments>
		<pubDate>Fri, 11 Nov 2011 17:34:33 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card account]]></category>
		<category><![CDATA[credit myths]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[no limit credit card]]></category>
		<category><![CDATA[personal finances. credit card myths]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8034</guid>
		<description><![CDATA[You know your credit is an important part of your financial life. Indeed, a number of people, from bankers to insurers to landlords, use your credit score to determine your financial fate. From higher interest rates and insurance premiums to paying a higher security deposit for a rental, a poor credit score can cost you. [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Let Your College Student Graduate with Debt</title>
		<link>http://www.savingadvice.com/articles/2011/09/09/107700_dont-let-your-college-student-graduate-with-debt.html</link>
		<comments>http://www.savingadvice.com/articles/2011/09/09/107700_dont-let-your-college-student-graduate-with-debt.html#comments</comments>
		<pubDate>Fri, 09 Sep 2011 12:41:23 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[college credit cards]]></category>
		<category><![CDATA[college debt]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card fees]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[university credit cards]]></category>
		<category><![CDATA[university debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7700</guid>
		<description><![CDATA[Financial responsibility is a crucial part of the college experience, yet some personal finance skills remain foreign to students as they prepare for college. Parents have the task of preparing their children for a new financial world and they can do that by discussing the pitfalls that come with being on their own. Do you [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/09/09/107700_dont-let-your-college-student-graduate-with-debt.html/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Just Because You Can, Doesn&#8217;t Mean You Should</title>
		<link>http://www.savingadvice.com/articles/2011/08/22/107614_just-because-you-can-doesnt-mean-you-should.html</link>
		<comments>http://www.savingadvice.com/articles/2011/08/22/107614_just-because-you-can-doesnt-mean-you-should.html#comments</comments>
		<pubDate>Mon, 22 Aug 2011 11:16:10 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[financial mantra]]></category>
		<category><![CDATA[just because you can]]></category>
		<category><![CDATA[life mantra]]></category>
		<category><![CDATA[money mantra]]></category>
		<category><![CDATA[should I?]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7614</guid>
		<description><![CDATA[I had a roommate in college whose mantra in life was, &#8220;Just because you can, doesn&#8217;t mean you should.&#8221; She applied this to everything from dating (Just because you can date that drunk frat guy doesn&#8217;t mean that you should) to academics (Just because you can graduate with a D average doesn&#8217;t mean that you [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/articles/2011/08/22/107614_just-because-you-can-doesnt-mean-you-should.html/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Financial Misery Loves Company</title>
		<link>http://www.savingadvice.com/articles/2011/06/22/107373_financial-misery-loves-company.html</link>
		<comments>http://www.savingadvice.com/articles/2011/06/22/107373_financial-misery-loves-company.html#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.savingadvice.com/articles/2011/06/22/107373_financial-misery-loves-company.html/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Money and Weight Loss: Getting Past the Plateau</title>
		<link>http://www.savingadvice.com/articles/2011/05/24/107291_money-and-weight-loss-getting-past-the-plateau.html</link>
		<comments>http://www.savingadvice.com/articles/2011/05/24/107291_money-and-weight-loss-getting-past-the-plateau.html#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.savingadvice.com/articles/2011/05/24/107291_money-and-weight-loss-getting-past-the-plateau.html/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stop Robbing Your Future Wealth</title>
		<link>http://www.savingadvice.com/articles/2011/03/28/107074_stop-robbing-your-future-wealth.html</link>
		<comments>http://www.savingadvice.com/articles/2011/03/28/107074_stop-robbing-your-future-wealth.html#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.savingadvice.com/articles/2011/03/28/107074_stop-robbing-your-future-wealth.html/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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