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	<title>Debt Reduction 101</title>
	
	<link>http://www.debtreduction101.com</link>
	<description>Digging my way out of debt</description>
	<lastBuildDate>Wed, 28 Mar 2012 19:14:05 +0000</lastBuildDate>
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		<title>$125,000 of Debt</title>
		<link>http://www.debtreduction101.com/2012/03/28/101407_125000-of-debt.html</link>
		<comments>http://www.debtreduction101.com/2012/03/28/101407_125000-of-debt.html#comments</comments>
		<pubDate>Wed, 28 Mar 2012 19:14:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[car loan debt]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt avalanche]]></category>
		<category><![CDATA[mortgage debt]]></category>
		<category><![CDATA[pay off debt timeline]]></category>
		<category><![CDATA[student loan debt]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1407</guid>
		<description><![CDATA[By Debt Avalanche As part of the debt avalanche, we ended up getting rid of $125,000 worth of debt in 9 months. Here is how the debt was broken down: credit card 1: $8,250 @ 6.9% credit card 2: $5,300 @ 8% credit card 3: $13,500 @ 9.9% credit card 4: $6,600 @ 17% credit card 5: $19,800 @ 23.5% car loan 1: $24,000 @ 2.9% car loan 2: $6,000 @ 4.2% student loan 1: $30,000 student loan 2: $12,000 &#8230; <a href="http://www.debtreduction101.com/2012/03/28/101407_125000-of-debt.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Debt Avalanche</title>
		<link>http://www.debtreduction101.com/2012/03/27/101405_debt-avalanche.html</link>
		<comments>http://www.debtreduction101.com/2012/03/27/101405_debt-avalanche.html#comments</comments>
		<pubDate>Tue, 27 Mar 2012 19:26:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt avalanche]]></category>
		<category><![CDATA[debt reduction avalanche]]></category>
		<category><![CDATA[hard core debt reduction]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1405</guid>
		<description><![CDATA[By Debt Avalanche There is an elephant in the room when it comes to debt reduction that nobody seems to want to talk about &#8212; that people want to keep their current lifestyle as much as possible while reducing their debt. The fact is that 99% of people that begin the debt reduction process do so while trying to keep their current lifestyle in tact as much as possible. I decided that for me this was the wrong way to &#8230; <a href="http://www.debtreduction101.com/2012/03/27/101405_debt-avalanche.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Create A Budget: Debt Reduction Basics</title>
		<link>http://www.debtreduction101.com/2012/02/13/101392_create-a-budget-debt-reduction-basics.html</link>
		<comments>http://www.debtreduction101.com/2012/02/13/101392_create-a-budget-debt-reduction-basics.html#comments</comments>
		<pubDate>Mon, 13 Feb 2012 23:31:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[cable TV]]></category>
		<category><![CDATA[debt basics]]></category>
		<category><![CDATA[reducing costs]]></category>
		<category><![CDATA[reducing debt]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1392</guid>
		<description><![CDATA[When you put things in black and white in front of you, they all of a sudden start to make a lot more sense. This is very much so the case with fixing your debt – writing your budget in black and white on a piece of paper will help you to realise the sectors of your life in which you can save money and the sectors in your life in which you can spend more. When it comes to &#8230; <a href="http://www.debtreduction101.com/2012/02/13/101392_create-a-budget-debt-reduction-basics.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Will Not Simply Disappear</title>
		<link>http://www.debtreduction101.com/2012/02/06/101395_debt-will-not-simply-disappear.html</link>
		<comments>http://www.debtreduction101.com/2012/02/06/101395_debt-will-not-simply-disappear.html#comments</comments>
		<pubDate>Mon, 06 Feb 2012 23:43:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt modification]]></category>
		<category><![CDATA[talk with creditors]]></category>
		<category><![CDATA[utility debt]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1395</guid>
		<description><![CDATA[One of the things that many people do when they are in debt is bury their heads in the sand pretending that everything is OK and hope that the debt problems simply go away. In reality, you may feel better in the short term by taking this action, but in the long run, all you are doing is creating more financial problems for yourself. Speaking to your creditors is one of the best debt reduction tips that anyone can ever &#8230; <a href="http://www.debtreduction101.com/2012/02/06/101395_debt-will-not-simply-disappear.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Five Snowball Debt Reduction Methods</title>
		<link>http://www.debtreduction101.com/2012/01/02/101389_five-snowball-debt-reduction-methods.html</link>
		<comments>http://www.debtreduction101.com/2012/01/02/101389_five-snowball-debt-reduction-methods.html#comments</comments>
		<pubDate>Mon, 02 Jan 2012 23:53:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[debt reduction methods]]></category>
		<category><![CDATA[paying off debt]]></category>
		<category><![CDATA[snowball debt methods]]></category>
		<category><![CDATA[snowball debt reduction]]></category>
		<category><![CDATA[snowball methods]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1389</guid>
		<description><![CDATA[When you are in debt, one of the best ways to reduce that debt is to adopt one of the snowball debt reduction methods. All of them are pretty simple to understand and are a great way to tackle debt. While there are some small difference in the order of the debts to be tackled using different snowball debt reduction methods, these simply vary depending on how each person wants to tackle their debt. The basics for all the different &#8230; <a href="http://www.debtreduction101.com/2012/01/02/101389_five-snowball-debt-reduction-methods.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Thinking about consignment …</title>
		<link>http://www.debtreduction101.com/2011/11/06/101378_thinking-about-consignment.html</link>
		<comments>http://www.debtreduction101.com/2011/11/06/101378_thinking-about-consignment.html#comments</comments>
		<pubDate>Sun, 06 Nov 2011 16:04:43 +0000</pubDate>
		<dc:creator>Michelle</dc:creator>
				<category><![CDATA[Minimalism]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1378</guid>
		<description><![CDATA[The battle against STUFF continues in my household. Today, the war is being raged on my closet. And as I look through my clothes and relive the stories that are associated with most of the items, I am once again confronted by a truth: Damn, I have a lot of clothes. And I fall into that majority of the population who has a huge, overstuffed closet but wear only 10% of the items, 99% of the time. Now don&#8217;t get &#8230; <a href="http://www.debtreduction101.com/2011/11/06/101378_thinking-about-consignment.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Power to the people! BoA drops debit card fee</title>
		<link>http://www.debtreduction101.com/2011/11/01/101376_power-to-the-people-boa-drops-debit-card-fee.html</link>
		<comments>http://www.debtreduction101.com/2011/11/01/101376_power-to-the-people-boa-drops-debit-card-fee.html#comments</comments>
		<pubDate>Tue, 01 Nov 2011 17:15:22 +0000</pubDate>
		<dc:creator>Michelle</dc:creator>
				<category><![CDATA[Random!]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1376</guid>
		<description><![CDATA[Will 2011 be the year of the &#8220;backpedal?&#8221; First, Netflix tries to deflect the backlash of splitting its streaming and mail service but &#8220;undoing&#8221; said changes. And now &#8230; Bank of America drops their proposed $5 debit card fee and other banks are following suit. This likely won&#8217;t pave the way towards world peace, but it&#8217;s nice to hear that companies are actually listening to their consumers.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Got candy?</title>
		<link>http://www.debtreduction101.com/2011/11/01/101374_got-candy.html</link>
		<comments>http://www.debtreduction101.com/2011/11/01/101374_got-candy.html#comments</comments>
		<pubDate>Tue, 01 Nov 2011 11:00:02 +0000</pubDate>
		<dc:creator>Michelle</dc:creator>
				<category><![CDATA[Random!]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1374</guid>
		<description><![CDATA[I don&#8217;t have kids and since we have more ornery teenagers than cute princess and vampire types in the neighborhood, we keep our lights off on Halloween. (Bah humbug, I know &#8230; I also know that my cat likes to launch himself at people.) However, I came across this suggestion on one of my friend&#8217;s Facebook feeds today to take your kids&#8217; (or yours &#8211; no judgement if you are in your 30s and go trick-or-treating) candy to dentists who &#8230; <a href="http://www.debtreduction101.com/2011/11/01/101374_got-candy.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What won’t you cut out of your budget?</title>
		<link>http://www.debtreduction101.com/2011/10/28/101372_what-wont-you-cut-out-of-your-budget.html</link>
		<comments>http://www.debtreduction101.com/2011/10/28/101372_what-wont-you-cut-out-of-your-budget.html#comments</comments>
		<pubDate>Fri, 28 Oct 2011 12:48:55 +0000</pubDate>
		<dc:creator>Michelle</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Good Reading]]></category>
		<category><![CDATA[Minimalism]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1372</guid>
		<description><![CDATA[I&#8217;ve been on a minimalism kick lately. You wouldn&#8217;t know that to look around my home office, or my home in general, but really &#8211; I&#8217;ve been doing a lot of thinking about minimalism. Maybe the key word in that last sentiment is &#8220;thinking.&#8221; Faith Janes posted a piece recently that talks about &#8220;Experiments in Simplicity.&#8221; Let&#8217;s face it &#8211; it&#8217;s not going to take a single weekend to declutter over four years worth of stuff. (And that&#8217;s only the &#8230; <a href="http://www.debtreduction101.com/2011/10/28/101372_what-wont-you-cut-out-of-your-budget.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Frugal thinking: Preparing for busy days and preventing bad decisions</title>
		<link>http://www.debtreduction101.com/2011/10/27/101369_frugal-thinking-preparing-for-busy-days-and-preventing-bad-decisions.html</link>
		<comments>http://www.debtreduction101.com/2011/10/27/101369_frugal-thinking-preparing-for-busy-days-and-preventing-bad-decisions.html#comments</comments>
		<pubDate>Thu, 27 Oct 2011 13:48:26 +0000</pubDate>
		<dc:creator>Michelle</dc:creator>
				<category><![CDATA[Everyday Living]]></category>

		<guid isPermaLink="false">http://www.debtreduction101.com/?p=1369</guid>
		<description><![CDATA[I&#8217;m hugely in favor of having a work-life balance &#8230; emphasis on the LIFE part of things. But this past week (and weekend), work ended up trumping fun things like sitting around in my jammies and doing nothing, as well as, necessary things like &#8211; oh, grocery shopping for the week, laundry and on Monday/Tuesday &#8211; showering. Luckily, I have a wee bit of breathing room before things get crazy again. Which, that will actually be this afternoon, but armed &#8230; <a href="http://www.debtreduction101.com/2011/10/27/101369_frugal-thinking-preparing-for-busy-days-and-preventing-bad-decisions.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>8</slash:comments>
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