<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>SavingAdvice.com Blog &#187; Sadie Morris</title>
	<atom:link href="http://www.savingadvice.com/blog/author/sadie/feed" rel="self" type="application/rss+xml" />
	<link>http://www.savingadvice.com/blog</link>
	<description>Bridging the gap between saving money and investing</description>
	<lastBuildDate>Wed, 25 Nov 2009 16:47:54 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>A Debt Free Life: The Value of Debt Free Friends</title>
		<link>http://www.savingadvice.com/blog/2009/11/24/105448_a-debt-free-life-the-value-of-debt-free-friends.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/24/105448_a-debt-free-life-the-value-of-debt-free-friends.html#comments</comments>
		<pubDate>Tue, 24 Nov 2009 07:01:29 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Entertainment]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[friendship]]></category>
		<category><![CDATA[good deal]]></category>
		<category><![CDATA[it's not in the budget]]></category>
		<category><![CDATA[saving tip]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5448</guid>
		<description><![CDATA[In the process of making out my Christmas card list for the year, I was struck by how many of our close friends are also debt free. I&#8217;ve never given it much thought, but there it was. We didn&#8217;t plan it this way, it just sort of evolved over the years. Like any sort of [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/24/105448_a-debt-free-life-the-value-of-debt-free-friends.html/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Work Doesn&#8217;t Have To Be A Drag</title>
		<link>http://www.savingadvice.com/blog/2009/11/17/105412_a-life-without-debt-work-doesnt-have-to-be-a-drag.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/17/105412_a-life-without-debt-work-doesnt-have-to-be-a-drag.html#comments</comments>
		<pubDate>Tue, 17 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[can't quit job]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[freelance work]]></category>
		<category><![CDATA[full-time work]]></category>
		<category><![CDATA[job]]></category>
		<category><![CDATA[miserable at work]]></category>
		<category><![CDATA[part-time job]]></category>
		<category><![CDATA[real job]]></category>
		<category><![CDATA[work environment]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5412</guid>
		<description><![CDATA[My last &#8220;real job&#8221; where I worked full-time for someone else was a mess. There was sexual harassment, bullying, unfair hours and demands, and all sorts of other foolishness going on. I was young and hadn&#8217;t yet saved up a large emergency fund, so leaving wasn&#8217;t possible unless I had another job lined up. Not [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/17/105412_a-life-without-debt-work-doesnt-have-to-be-a-drag.html/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: &#8220;You Must Have a Huge Income!&#8221;</title>
		<link>http://www.savingadvice.com/blog/2009/11/10/105391_a-life-without-debt-you-must-have-a-huge-income.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/10/105391_a-life-without-debt-you-must-have-a-huge-income.html#comments</comments>
		<pubDate>Tue, 10 Nov 2009 07:01:54 +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[daily choices]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[delay gratification]]></category>
		<category><![CDATA[huge income]]></category>
		<category><![CDATA[income level]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5391</guid>
		<description><![CDATA[One of the most common responses I get when people find out that I&#8217;m debt free is, &#8220;Well, that&#8217;s nice for you, but you probably have a huge income.&#8221; I&#8217;m not alone. Many of my debt free friends say that they get the same response. The assumption is that in order to live debt free [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/10/105391_a-life-without-debt-you-must-have-a-huge-income.html/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Not Immune From The Credit Crisis</title>
		<link>http://www.savingadvice.com/blog/2009/11/03/105360_a-life-without-debt-not-immune-from-the-credit-crisis.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/03/105360_a-life-without-debt-not-immune-from-the-credit-crisis.html#comments</comments>
		<pubDate>Tue, 03 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[available credit]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card reward]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[economic crisis]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[no debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5360</guid>
		<description><![CDATA[I knew it was bound to happen, but I&#8217;d been hoping that somehow I&#8217;d avoid it. Despite having excellent credit and no debt, we got a letter from one of our credit card companies dropping our limit from $10,000 to $300. This was done because of &#8220;inactivity&#8221; on our account, which really translates into the [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/03/105360_a-life-without-debt-not-immune-from-the-credit-crisis.html/feed</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Procrastination Is The Enemy</title>
		<link>http://www.savingadvice.com/blog/2009/10/06/105278_a-life-without-debt-procrastination-is-the-enemy.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/06/105278_a-life-without-debt-procrastination-is-the-enemy.html#comments</comments>
		<pubDate>Tue, 06 Oct 2009 07:01:07 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[balancing checkbook]]></category>
		<category><![CDATA[bill payment]]></category>
		<category><![CDATA[car maintenance]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[financial paperwork]]></category>
		<category><![CDATA[get organized]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[home maintenance]]></category>
		<category><![CDATA[procrastination]]></category>
		<category><![CDATA[putting things off]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement savings]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5278</guid>
		<description><![CDATA[Over my years of debt free living I&#8217;ve learned that procrastination is a huge enemy to staying debt free. We all tend to say, &#8220;I can take care of that tomorrow,&#8221; and put off things we don&#8217;t want to (or can&#8217;t) deal with right then. The problem is, the longer you put things off, the [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/06/105278_a-life-without-debt-procrastination-is-the-enemy.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: The Debt Free House</title>
		<link>http://www.savingadvice.com/blog/2009/09/29/105233_a-life-without-debt-the-debt-free-house.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/29/105233_a-life-without-debt-the-debt-free-house.html#comments</comments>
		<pubDate>Tue, 29 Sep 2009 07:01:26 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free house]]></category>
		<category><![CDATA[extra mortgage payments]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage down payment]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5233</guid>
		<description><![CDATA[The only debt we&#8217;ve ever incurred was to buy our house. At the time we bought, we just didn&#8217;t have a spare $150K lying around so we had to get a mortgage. We knew going in that we didn&#8217;t want to be stuck with it for thirty years so we set out to buy a [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/29/105233_a-life-without-debt-the-debt-free-house.html/feed</wfw:commentRss>
		<slash:comments>18</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Charitable Giving and The Debt Free Life</title>
		<link>http://www.savingadvice.com/blog/2009/09/22/105212_a-life-without-debt-charitable-giving-and-the-debt-free-life.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/22/105212_a-life-without-debt-charitable-giving-and-the-debt-free-life.html#comments</comments>
		<pubDate>Tue, 22 Sep 2009 07:01:52 +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[charitable giving]]></category>
		<category><![CDATA[charities]]></category>
		<category><![CDATA[donate money]]></category>
		<category><![CDATA[donate time]]></category>
		<category><![CDATA[donate unwanted items]]></category>
		<category><![CDATA[local charities]]></category>
		<category><![CDATA[miserly]]></category>
		<category><![CDATA[volunteer]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5212</guid>
		<description><![CDATA[The other day a friend asked me if I gave to any charities, or did I just save all my money in order to keep myself debt free. The questioner seemed to think that a debt free life automatically equates to a miserly life. There seemed to be a belief that one cannot be both [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/22/105212_a-life-without-debt-charitable-giving-and-the-debt-free-life.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Getting Past Being Appalled</title>
		<link>http://www.savingadvice.com/blog/2009/09/15/105191_a-life-without-debt-getting-past-being-appalled.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/15/105191_a-life-without-debt-getting-past-being-appalled.html#comments</comments>
		<pubDate>Tue, 15 Sep 2009 07:01:01 +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[avoid debt]]></category>
		<category><![CDATA[cut costs]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[laundry detergent]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5191</guid>
		<description><![CDATA[One of the things I&#8217;ve learned living a debt free life is never to dismiss anything out of hand. Whenever I see a money saving tip, investment strategy, or other money management idea I don&#8217;t automatically pooh-pooh it as something I can&#8217;t do. I&#8217;m always willing to try something new  &#8212; or at least [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/15/105191_a-life-without-debt-getting-past-being-appalled.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Setting The Example</title>
		<link>http://www.savingadvice.com/blog/2009/09/08/105154_a-life-without-debt-setting-the-example.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/08/105154_a-life-without-debt-setting-the-example.html#comments</comments>
		<pubDate>Tue, 08 Sep 2009 07:01:54 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[debt advice]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[helping family with debt]]></category>
		<category><![CDATA[live below your means]]></category>
		<category><![CDATA[money skills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5154</guid>
		<description><![CDATA[If you&#8217;re debt free, chances are that you are one of the few in your family or circle of friends who is. In the circle of people I know well, only my parents and two close friends are debt free. I&#8217;ve met others but of the people I&#8217;m close to, I&#8217;m one of five debt [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/08/105154_a-life-without-debt-setting-the-example.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Saying Screw The Budget</title>
		<link>http://www.savingadvice.com/blog/2009/09/01/105113_saying-screw-the-budget.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/01/105113_saying-screw-the-budget.html#comments</comments>
		<pubDate>Tue, 01 Sep 2009 07:01:13 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[purchase regret]]></category>
		<category><![CDATA[taking on debt]]></category>
		<category><![CDATA[wants]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5113</guid>
		<description><![CDATA[A friend of mine who, like me, has always lived a debt free life recently ran into a perfect storm of disasters. He was diagnosed with an illness and, despite having good medical coverage, ended up with bills that threatened to eat up much of his non-retirement savings. As if that weren&#8217;t bad enough, he [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/01/105113_saying-screw-the-budget.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
	</channel>
</rss>
