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	<title>Personal Finance 101 &#187; debt management</title>
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	<description>Increasing Your Wealth, One Day at a Time.</description>
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		<title>Spend Less</title>
		<link>http://www.personal-finance101.com/2010/03/02/spend-less/</link>
		<comments>http://www.personal-finance101.com/2010/03/02/spend-less/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 16:01:39 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[cut debt]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[save money]]></category>
		<category><![CDATA[spend less]]></category>

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		<description><![CDATA[Quickest way to save some money &#8211; spend lesser than your earn. When push comes to shove, cut down on frivolous expenses like cable tv, or movie rentals, start car pooling, dump your Starbucks coffee for regular Java. These cutbacks are just temporary. Their painful but temporary until you get some extra cash with you.]]></description>
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		<title>10 More Ways to Save Money</title>
		<link>http://www.personal-finance101.com/2009/10/21/10-more-ways-to-save-money/</link>
		<comments>http://www.personal-finance101.com/2009/10/21/10-more-ways-to-save-money/#comments</comments>
		<pubDate>Tue, 20 Oct 2009 16:01:47 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[save money]]></category>

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		<description><![CDATA[1. Never go to the grocery when you&#8217;re hungry. You will always end up buying more than you&#8217;ve budgeted for, and more often than not, buy things you dont need. Get something light to eat before going to the super market. 2.  Buy items on Sale or during off season. For example, buy a winter [...]]]></description>
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		<title>Your Buckets for the Future</title>
		<link>http://www.personal-finance101.com/2009/10/19/your-buckets-for-the-future/</link>
		<comments>http://www.personal-finance101.com/2009/10/19/your-buckets-for-the-future/#comments</comments>
		<pubDate>Sun, 18 Oct 2009 16:01:45 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bucket]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[financial planning]]></category>

		<guid isPermaLink="false">http://personal-finance101.com/?p=62</guid>
		<description><![CDATA[Saving every single cent to pay off all your debts isnt really a good thing in the long run. Do you really want to spend the next 10 years diligently paying of your credit card bills and others, wihtout going out for a single vacation or taking the family out for a dinner every month? [...]]]></description>
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		<slash:comments>4</slash:comments>
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		<title>How to Pay Off Your Credit Card Debt</title>
		<link>http://www.personal-finance101.com/2009/05/24/how-to-pay-off-your-credit-card-debt/</link>
		<comments>http://www.personal-finance101.com/2009/05/24/how-to-pay-off-your-credit-card-debt/#comments</comments>
		<pubDate>Sun, 24 May 2009 15:33:17 +0000</pubDate>
		<dc:creator>kennethg</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[analyze credit card debt]]></category>
		<category><![CDATA[debt management]]></category>
		<category><![CDATA[pay off credit card debt]]></category>

		<guid isPermaLink="false">http://personal-finance101.com/?p=11</guid>
		<description><![CDATA[If you find yourself making interest payments every month on your credit cards and want to eliminate this type of debt, your first step should be to assess your income and expenses. Total your monthly expenses and subtract them from your income. This is your disposable income after expenses, the amount you have to spend [...]]]></description>
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