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	<title>Debt Reduction Formula</title>
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	<link>http://debtreductionformula.com</link>
	<description>Reduce Expenses + Increase Income + Discipline = Get Out of Debt</description>
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		<title>19 Ways to Avoid the Obamacare Tax Penalty. (I Did a Happy Dance When I Got to #14.)</title>
		<link>http://debtreductionformula.com/avoid-the-obamacare-tax-penalty-yes-you-can/</link>
		<comments>http://debtreductionformula.com/avoid-the-obamacare-tax-penalty-yes-you-can/#comments</comments>
		<pubDate>Wed, 28 Jan 2015 17:15:44 +0000</pubDate>
		<dc:creator><![CDATA[Ryan Healy]]></dc:creator>
				<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[hardship exemption]]></category>
		<category><![CDATA[Obamacare]]></category>
		<category><![CDATA[penalty tax]]></category>

		<guid isPermaLink="false">http://www.debtreductionformula.com/blog/?p=884</guid>
		<description><![CDATA[If you didn&#8217;t carry qualifying health insurance last year, then you could be facing a stiff Obamacare penalty tax when you go to file your returns this year. The penalty could be anywhere from a couple hundred dollars to a few thousand depending on your income. So can you avoid the Obamacare tax penalty? Actually, &#8230; <a href="http://debtreductionformula.com/avoid-the-obamacare-tax-penalty-yes-you-can/" class="more-link">Continue reading <span class="screen-reader-text">19 Ways to Avoid the Obamacare Tax Penalty. (I Did a Happy Dance When I Got to #14.)</span></a>]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Debt Blogging &#8211; The Biggest Benefit of a Public Debt Blog</title>
		<link>http://debtreductionformula.com/debt-blog-tracks-debt/</link>
		<comments>http://debtreductionformula.com/debt-blog-tracks-debt/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 22:52:53 +0000</pubDate>
		<dc:creator><![CDATA[Ryan Healy]]></dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[Accountability]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Paying Off Debt]]></category>
		<category><![CDATA[Reduce Debt]]></category>

		<guid isPermaLink="false">http://www.debtreductionformula.com/blog/?p=852</guid>
		<description><![CDATA[I began this debt blog, which I called Debt Reduction Formula, in September of 2007. That happened to be the same month I sold my home in Highlands Ranch, Colorado, and moved into a rental home in Parker, Colorado. At the time, I owed $75,286.38 in debt. I was really feeling the pressure of the &#8230; <a href="http://debtreductionformula.com/debt-blog-tracks-debt/" class="more-link">Continue reading <span class="screen-reader-text">Debt Blogging &#8211; The Biggest Benefit of a Public Debt Blog</span></a>]]></description>
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		<slash:comments>7</slash:comments>
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		<title>Federal Debt Now Equals Total U.S. Economy</title>
		<link>http://debtreductionformula.com/federal-debt-equals-total-economy/</link>
		<comments>http://debtreductionformula.com/federal-debt-equals-total-economy/#comments</comments>
		<pubDate>Mon, 14 Feb 2011 23:42:47 +0000</pubDate>
		<dc:creator><![CDATA[Ryan Healy]]></dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Economics]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Federal Debt]]></category>
		<category><![CDATA[Obama]]></category>

		<guid isPermaLink="false">http://www.debtreductionformula.com/blog/?p=836</guid>
		<description><![CDATA[If you&#8217;re looking for inspiration to get out of debt, then you would definitely not want to look to the U.S. government. They&#8217;re setting a horrendous example&#8230; and then trying to pass it off as &#8220;no big deal.&#8221; In my opinion, it&#8217;s only a matter of time before the U.S. debt load comes crashing down. &#8230; <a href="http://debtreductionformula.com/federal-debt-equals-total-economy/" class="more-link">Continue reading <span class="screen-reader-text">Federal Debt Now Equals Total U.S. Economy</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Car Taxes &#8211; Know Your Tax Rate Before You Buy</title>
		<link>http://debtreductionformula.com/car-taxes-know-your-tax-rate-before-you-buy/</link>
		<comments>http://debtreductionformula.com/car-taxes-know-your-tax-rate-before-you-buy/#comments</comments>
		<pubDate>Fri, 11 Feb 2011 17:26:51 +0000</pubDate>
		<dc:creator><![CDATA[Ryan Healy]]></dc:creator>
				<category><![CDATA[Case Studies]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[car loans]]></category>
		<category><![CDATA[Car Purchase]]></category>
		<category><![CDATA[Car Taxes]]></category>
		<category><![CDATA[Sales Tax Rate]]></category>
		<category><![CDATA[Second Car]]></category>

		<guid isPermaLink="false">http://www.debtreductionformula.com/blog/?p=831</guid>
		<description><![CDATA[This past fall, my mom decided to sell her 2006 Honda Pilot and upgrade to a new Pilot. My wife and I had been getting by with just our van for a few months, but we were ready to have a second car again. So: Rather than go car shopping, we decided to buy my &#8230; <a href="http://debtreductionformula.com/car-taxes-know-your-tax-rate-before-you-buy/" class="more-link">Continue reading <span class="screen-reader-text">Car Taxes &#8211; Know Your Tax Rate Before You Buy</span></a>]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Getting Out of Debt Not Always Straightforward</title>
		<link>http://debtreductionformula.com/getting-out-of-debt-not-always-straightforward/</link>
		<comments>http://debtreductionformula.com/getting-out-of-debt-not-always-straightforward/#comments</comments>
		<pubDate>Thu, 10 Feb 2011 16:16:24 +0000</pubDate>
		<dc:creator><![CDATA[Ryan Healy]]></dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Cash Flow]]></category>
		<category><![CDATA[Job]]></category>

		<guid isPermaLink="false">http://www.debtreductionformula.com/blog/?p=826</guid>
		<description><![CDATA[Getting out of debt is not always a straightforward process, especially if you&#8217;re self-employed like I am. Last year, I made some business investments that didn&#8217;t pay off quite as well as I wanted. As a result, I had to tap my line of credit in late fall and again in January to pay taxes. &#8230; <a href="http://debtreductionformula.com/getting-out-of-debt-not-always-straightforward/" class="more-link">Continue reading <span class="screen-reader-text">Getting Out of Debt Not Always Straightforward</span></a>]]></description>
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		<slash:comments>3</slash:comments>
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