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	<title>SavingAdvice.com Blog &#187; Debt</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>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>
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		<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>
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		<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>One Benefit To The Economic Mess: Less Pressure</title>
		<link>http://www.savingadvice.com/blog/2009/11/09/105386_one-benefit-to-the-economic-mess-less-pressure.html</link>
		<comments>http://www.savingadvice.com/blog/2009/11/09/105386_one-benefit-to-the-economic-mess-less-pressure.html#comments</comments>
		<pubDate>Mon, 09 Nov 2009 07:01:39 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bad economy]]></category>
		<category><![CDATA[bigger is better]]></category>
		<category><![CDATA[cost cutting]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[excess consumption]]></category>
		<category><![CDATA[frugality]]></category>
		<category><![CDATA[keep up with the Joneses]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5386</guid>
		<description><![CDATA[While I&#8217;ve never been one to keep up with the Jones&#8217;, I&#8217;ve noticed a palpable sense of relief amongst many friends, acquaintances, and message board posters that the pressure to keep up, show off, and compete is off. At least for the moment. 
In the heyday of the 1990&#8217;s and early 2000&#8217;s, everything was about [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/11/09/105386_one-benefit-to-the-economic-mess-less-pressure.html/feed</wfw:commentRss>
		<slash:comments>6</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>15 Excuses That Are Wrecking Your Finances</title>
		<link>http://www.savingadvice.com/blog/2009/10/26/105276_15-excuses-that-are-wrecking-your-finances.html</link>
		<comments>http://www.savingadvice.com/blog/2009/10/26/105276_15-excuses-that-are-wrecking-your-finances.html#comments</comments>
		<pubDate>Mon, 26 Oct 2009 07:01:20 +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[defeatist thinking]]></category>
		<category><![CDATA[excuses]]></category>
		<category><![CDATA[financial excuses]]></category>
		<category><![CDATA[financial karma]]></category>
		<category><![CDATA[I deserve]]></category>
		<category><![CDATA[manage money]]></category>
		<category><![CDATA[money fears]]></category>
		<category><![CDATA[only young once]]></category>
		<category><![CDATA[overwhelmed]]></category>
		<category><![CDATA[peer pressure]]></category>
		<category><![CDATA[procrastination]]></category>
		<category><![CDATA[rewards]]></category>
		<category><![CDATA[time management]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5276</guid>
		<description><![CDATA[We all tend to make excuses from time to time. It&#8217;s just human nature. But I&#8217;ve seen people rely too heavily on excuses when it comes to finance. When they have too much debt or can&#8217;t seem to make ends meet they pull out the excuses as to why their life has to be this [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/10/26/105276_15-excuses-that-are-wrecking-your-finances.html/feed</wfw:commentRss>
		<slash:comments>12</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>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: 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>Is College Really Necessary?</title>
		<link>http://www.savingadvice.com/blog/2009/09/16/105189_is-college-really-necessary.html</link>
		<comments>http://www.savingadvice.com/blog/2009/09/16/105189_is-college-really-necessary.html#comments</comments>
		<pubDate>Wed, 16 Sep 2009 07:01:56 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[College]]></category>
		<category><![CDATA[college costs]]></category>
		<category><![CDATA[college debt]]></category>
		<category><![CDATA[college degree]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[junior college]]></category>
		<category><![CDATA[life skills]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5189</guid>
		<description><![CDATA[It&#8217;s no secret that college costs are rising to ridiculous levels. Kids are graduating with huge debt loads. Even if their parents have saved for their schooling since birth, costs are rising so fast they&#8217;re still likely to have to take on debt or work during school. In the last twenty years or so we&#8217;ve [...]]]></description>
		<wfw:commentRss>http://www.savingadvice.com/blog/2009/09/16/105189_is-college-really-necessary.html/feed</wfw:commentRss>
		<slash:comments>17</slash:comments>
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