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	<title>Debt Is A Trap</title>
	<link>http://debtisatrap.com</link>
	<description>Debt Free Living For Wealth And Security</description>
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		<title>Debt Free &#8211; Tip of the Day &#8211; Fine, Don&#8217;t Cut Up Your Credit Card!</title>
		<description><![CDATA[Our financial boot camp is in development!  Mike and I are so excited to launch this e course, that we don&#8217;t want to work on anything else!  But in the mean time&#8230;.. did you cut up those credit cards?  No?  Well, then get an old coffee can, stick the cards in it and fill with [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-fine-dont-cut-up-your-credit-card/</link>
			</item>
	<item>
		<title>Debt Free &#8211; Tip of the Day &#8211; Debt Consolidation &#8211; What Is Next?</title>
		<description><![CDATA[I am still working on the promised guide to debt consolidation.  I realize that a lot of information I touch on is for those who are just getting started on their journey to debt free living.  For those pioneers who have already made the decision to work on their budget by debt consolidation or are [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-debt-consolidation-what-is-next/</link>
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		<title>Debt Free &#8211; Trip of the Day &#8211; The Difference Between Debt Counseling and Debt Management &#8211; It is HUGE!</title>
		<description><![CDATA[I get scared for the many hard working, trusting individuals who just need a hand getting a handle on their debt and to learn or change budgeting tactics.  As I read post after post, blogs, newspaper articles, money management sites, I get this horrid foreboding feeling.  Why? Get to the point right?  Americans are so [...]]]></description>
		<link>http://debtisatrap.com/debt-free-trip-of-the-day-the-difference-between-debt-counseling-and-debt-management-it-is-huge/</link>
			</item>
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		<title>An Option For Credit Repair &#8211; Credit Secrets Bible</title>
		<description><![CDATA[After ranting about credit repair scams and remembering that I told you there are ways to see improvements in your score.  I realized that I had not given you any options for safe credit repair.  Mike and I ran a credit repair campaign last year testing products, reviews, and customer satisfaction.    This was a [...]]]></description>
		<link>http://debtisatrap.com/an-option-for-credit-repair-credit-secrets-bible/</link>
			</item>
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		<title>Debt Free &#8211; Tip of the Day &#8211; Credit Repair Scams Buyer Beware</title>
		<description><![CDATA[I read a lot of forums and FAQ pages in financial sections.  Aside from a way to determine what the overall mindset regarding finances are, it gives me real world questions to ponder when considering a post.  I was researching a few things recently and am finding many not so great companies advertising credit repair.  [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-credit-repair-scams-buyer-beware/</link>
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		<title>Debt Free &#8211; Tip of the Day &#8211; Debt Consolidation &#8211; What is New</title>
		<description><![CDATA[With so many upheavals happening in Americans&#8217; financial lives, it is no surprise to me that a huge number of questions brought to me are targeted around debt consolidation.  What is debt consolidation?  In a nutshell, it is when you combine multiple debts into one large loan with generally a longer term in order to [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-debt-consolidation-what-is-new/</link>
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		<title>Debt Free &#8211; Tip of the Day &#8211; Holidays Without Increasing Your Debt</title>
		<description><![CDATA[Here is a newsflash folks, Christmas, is coming.  I used to spend a whole lot more on gifts every year than I do now.  I also used to do it by swiping my credit card.  I am working hard to be debt free so the credit card thing is in my past.  Now in October [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-holidays-without-increasing-your-debt/</link>
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		<title>Debt Free &#8211; Tip of the Day &#8211; Credit Card Debt and July 7, 1757</title>
		<description><![CDATA[1757?  The date is now one of the most significant dates to me when I think of credit and debt.  Benjamin Franklin wrote &#8220;A Way To Wealth&#8221; .  This essay which is approximately 5 pages, made me feel like I had made so many stupid choices for the lack of education, that I felt ill [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-credit-card-debt-and-july-7-1757/</link>
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		<title>Debt Free &#8211; Tip of the Day &#8211; A Penny Saved is NOT Equal to a Penny Earned!</title>
		<description><![CDATA[Today I disagree with a great man.  Benjamin Franklin.  Who coined the phrase (no pun intended) &#8220;A penny saved is a penny earned.&#8221;  Maybe during Mr. Franklin&#8217;s life there was a much more equal balance to the concept of saving and earning.  But lets look at saving money versus earning more [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-a-penny-saved-is-not-equal-to-a-penny-earned/</link>
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		<title>Debt Free &#8211; Tip of the Day &#8211; Total Buy In</title>
		<description><![CDATA[Good evening!  I was speaking to a couple recently regarding how to get a &#8220;handle&#8221; on their bills.  Winter is coming and for those of you who live in geographic regions that turn white for half the year, you know that expenses increase significantly and lets face it, heat costs have not gone [...]]]></description>
		<link>http://debtisatrap.com/debt-free-tip-of-the-day-total-buy-in/</link>
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