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	<title>SavingAdvice.com Blog &#187; Credit Cards</title>
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	<link>http://www.savingadvice.com/blog</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>The Perils of Pre-Paid Gift Cards</title>
		<link>http://www.savingadvice.com/blog/2009/11/19/105410_the-perils-of-pre-paid-gift-cards.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/19/105410_the-perils-of-pre-paid-gift-cards.html#comments</comments>
		<pubDate>Thu, 19 Nov 2009 07:01:40 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Holidays]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[gift card expiration dates]]></category>
		<category><![CDATA[gift card fees]]></category>
		<category><![CDATA[gift cards]]></category>
		<category><![CDATA[gift credit cards]]></category>
		<category><![CDATA[holiday season gifts]]></category>
		<category><![CDATA[MasterCard]]></category>
		<category><![CDATA[prepaid debt cards]]></category>
		<category><![CDATA[prepaid gift cards]]></category>
		<category><![CDATA[store value cards]]></category>
		<category><![CDATA[swipe fees]]></category>
		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5410</guid>
		<description><![CDATA[As we head into the holiday season and start looking for gifts to give to those hard to buy for people, gift cards stand out as easy gifts that everyone enjoys. But if you&#8217;re thinking of giving a pre-paid gift card that&#8217;s branded with a credit card logo, you might want to think of another [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/19/105410_the-perils-of-pre-paid-gift-cards.html/feed</wfw:commentRss>
		<slash:comments>3</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: 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>Going Into Debt to Have Kids</title>
		<link>http://www.savingadvice.com/blog/2009/10/20/105281_going-into-debt-to-have-kids.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/20/105281_going-into-debt-to-have-kids.html#comments</comments>
		<pubDate>Tue, 20 Oct 2009 07:01:44 +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[adoption debt]]></category>
		<category><![CDATA[baby surrogate]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debt and religion]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[debt to have kids]]></category>
		<category><![CDATA[deep debt]]></category>
		<category><![CDATA[fertility treatment]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[good debt]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5281</guid>
		<description><![CDATA[By Maggie Ellis
It is widely taught in financial education that there are only two kinds of debt that can be considered &#8220;good debt&#8221;: A mortgage and student loans (as long as they aren&#8217;t beyond your ability to repay comfortably). We&#8217;re always taught that it&#8217;s okay to go into debt to buy a house or another [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/20/105281_going-into-debt-to-have-kids.html/feed</wfw:commentRss>
		<slash:comments>19</slash:comments>
		</item>
		<item>
		<title>When It&#8217;s a Good Idea to Pay a Fee</title>
		<link>http://www.savingadvice.com/blog/2009/10/12/105264_when-its-a-good-idea-to-pay-a-fee.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/12/105264_when-its-a-good-idea-to-pay-a-fee.html#comments</comments>
		<pubDate>Mon, 12 Oct 2009 07:01:32 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bill payment fee]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card annual fee]]></category>
		<category><![CDATA[excessive fees]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[good faith estimate fee]]></category>
		<category><![CDATA[good fees]]></category>
		<category><![CDATA[hidden fees]]></category>
		<category><![CDATA[insurance filing fee]]></category>
		<category><![CDATA[parking fee]]></category>
		<category><![CDATA[recycling fee]]></category>
		<category><![CDATA[senseless fees]]></category>
		<category><![CDATA[ticket fee]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5264</guid>
		<description><![CDATA[If you spend any time in the frugal/budget world, you&#8217;re likely to come away with the idea that you should reject all fees. If it means switching banks, changing how you pay for things, switching airlines, or dumping credit cards, we&#8217;re taught to shun all fees. We&#8217;re taught to dodge anything that reeks of nickel-and-diming [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/12/105264_when-its-a-good-idea-to-pay-a-fee.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>How I Practically Stole a Wii</title>
		<link>http://www.savingadvice.com/blog/2009/09/21/105206_how-i-practically-stole-a-wii.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/21/105206_how-i-practically-stole-a-wii.html#comments</comments>
		<pubDate>Mon, 21 Sep 2009 07:01:55 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></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[cheap Wii]]></category>
		<category><![CDATA[Dell]]></category>
		<category><![CDATA[Wii]]></category>
		<category><![CDATA[Wii cash back]]></category>
		<category><![CDATA[Wii console]]></category>
		<category><![CDATA[Wii controllers]]></category>
		<category><![CDATA[Wii games]]></category>
		<category><![CDATA[Wii motion]]></category>
		<category><![CDATA[Wii sports]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5206</guid>
		<description><![CDATA[I know, I know. I said I&#8217;d never buy a Wii. Funny how never comes around sooner than you think. A few weeks ago I stayed with some family members who have a Wii and I realized just how much fun one could be. I was used to the passive gaming experience where you sit [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/21/105206_how-i-practically-stole-a-wii.html/feed</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Places I Get Free Money</title>
		<link>http://www.savingadvice.com/blog/2009/09/04/104694_10-places-to-get-free-money.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/04/104694_10-places-to-get-free-money.html#comments</comments>
		<pubDate>Fri, 04 Sep 2009 07:01:16 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[401k match]]></category>
		<category><![CDATA[Coupons]]></category>
		<category><![CDATA[credit card rewards]]></category>
		<category><![CDATA[free money]]></category>
		<category><![CDATA[lost money]]></category>
		<category><![CDATA[new bank account]]></category>
		<category><![CDATA[scholarships]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4694</guid>
		<description><![CDATA[By Terry G.
I love free money. I thought that others would also love free money, but that doesn&#8217;t always seem to be the case. There is a lot of free money out there that almost anyone can claim with a bit of effort, but most people don&#8217;t. 
Banks: I remember when I was growing up, [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/04/104694_10-places-to-get-free-money.html/feed</wfw:commentRss>
		<slash:comments>5</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>
		<item>
		<title>A Life Without Debt: A High Credit Score</title>
		<link>http://www.savingadvice.com/blog/2009/08/18/105037_a-life-without-debt-a-high-credit-score.html</link>
		<comments>http://www.savingadvice.com/blog/2009/08/18/105037_a-life-without-debt-a-high-credit-score.html#comments</comments>
		<pubDate>Tue, 18 Aug 2009 07:01:43 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[good credit score]]></category>
		<category><![CDATA[great credit score]]></category>
		<category><![CDATA[lower credit score]]></category>
		<category><![CDATA[open credit line]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5037</guid>
		<description><![CDATA[I know that many people believe that you have to have debt in order to have a high credit score. Many people keep their debt just so they can keep their score up (so they can get more credit later). They fret every time a credit card is closed or the available limit is lowered. [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/08/18/105037_a-life-without-debt-a-high-credit-score.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Grudgingly Taking the Punishment</title>
		<link>http://www.savingadvice.com/blog/2009/07/07/104814_a-life-without-debt-taking-the-punishment.html</link>
		<comments>http://www.savingadvice.com/blog/2009/07/07/104814_a-life-without-debt-taking-the-punishment.html#comments</comments>
		<pubDate>Tue, 07 Jul 2009 07:01:18 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[credit card annual fee]]></category>
		<category><![CDATA[credit card rewards]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[punishment]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4814</guid>
		<description><![CDATA[The other day I was feeling punished for my good financial habits. My savings are earning pitiful interest, thanks to the low rates in place to prop up the economy. There are no mortgage or housing breaks for me, since I don&#8217;t carry a mortgage. My credit cards have had their limits cut and interest [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/07/07/104814_a-life-without-debt-taking-the-punishment.html/feed</wfw:commentRss>
		<slash:comments>13</slash:comments>
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