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	<title>The Official SpringCoin Blog » Articles</title>
	
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	<description>Expert Unbiased Financial Advice</description>
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		<title>Protecting Yourself Against Debt Collectors</title>
		<link>http://www.springcoin.com/blog/debt-articles/protecting-yourself-against-debt-collectors/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/protecting-yourself-against-debt-collectors/#comments</comments>
		<pubDate>Tue, 04 Sep 2012 00:03:18 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Debt Collection Laws]]></category>
		<category><![CDATA[Fair Debt Collection Practices Act]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[fdcpa]]></category>
		<category><![CDATA[FDCPA Violations]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=895</guid>
		<description><![CDATA[The FDCPA (Fair Debt Collection Practices Act) has a set of rules to protect consumers against fraudulent debt collection practices.  Each year, the FTC receives thousands of complaints from consumers about illegal practices. Some of the top complaints include: collecting a larger payment than is permitted by law, harassing the consumers or others, threatening consumers ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Three Simple Steps to Make Budgeting Fun</title>
		<link>http://www.springcoin.com/blog/debt-articles/three-simple-steps-to-make-budgeting-fun/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/three-simple-steps-to-make-budgeting-fun/#comments</comments>
		<pubDate>Tue, 28 Aug 2012 22:21:25 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[budgeting]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=890</guid>
		<description><![CDATA[I don’t think I’ve ever met anyone who was ecstatic about budgeting, but it’s often necessary to get your finances in order.  Creating your monthly budget is your roadmap towards paying off debts and starting your emergency savings fund. Most people lose track of their budgets for two primary reasons: 1) they create an unrealistic ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Are you a shop-a-holic?</title>
		<link>http://www.springcoin.com/blog/debt-articles/are-you-a-shop-a-holic/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/are-you-a-shop-a-holic/#comments</comments>
		<pubDate>Wed, 22 Aug 2012 13:00:36 +0000</pubDate>
		<dc:creator>Guest</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[impulse spending]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=887</guid>
		<description><![CDATA[The first step to overcome any addiction is to recognize you have a problem.   What type of problem?  Oniomania.  Oh, you never heard of it!  Well, then you may have heard through the grapevine that one may be addicted to shopping. It is also known as compulsive shopping and shopping addiction  During and after the—as ]]></description>
		<wfw:commentRss>http://www.springcoin.com/blog/debt-articles/are-you-a-shop-a-holic/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Embracing Financial Education</title>
		<link>http://www.springcoin.com/blog/debt-articles/embracing-financial-education/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/embracing-financial-education/#comments</comments>
		<pubDate>Wed, 22 Aug 2012 04:56:11 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=884</guid>
		<description><![CDATA[In a recent study by the Treasury department of Education, they found that students are averaging a 69% in financial literacy.  From the last time I checked, at 69% was a failing grade when I was in grade school. It’s clear that financial education should be taught more in school, but what happens when it’s ]]></description>
		<wfw:commentRss>http://www.springcoin.com/blog/debt-articles/embracing-financial-education/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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		<title>Credit Card Balance Increases, Delinquencies Drops</title>
		<link>http://www.springcoin.com/blog/debt-articles/credit-card-balance-increases-delinquencies-drops/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/credit-card-balance-increases-delinquencies-drops/#comments</comments>
		<pubDate>Fri, 17 Aug 2012 23:03:06 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Getting Out of Debt]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=880</guid>
		<description><![CDATA[Seems there’s a bit of mixed reviews from the latest data from Transunion.  The good news is that credit card delinquency rates (90+ days past due) has dropped to 0.63% in the 2nd quarter compared to 0.73% in the previous quarter last year.  The bad news is that the average credit card debt per borrower ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Number One Factor That Determines Your Credit Score</title>
		<link>http://www.springcoin.com/blog/debt-articles/the-number-one-factor-that-determines-your-credit-score/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/the-number-one-factor-that-determines-your-credit-score/#comments</comments>
		<pubDate>Tue, 14 Aug 2012 14:00:01 +0000</pubDate>
		<dc:creator>Carrie Smith</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=877</guid>
		<description><![CDATA[Credit scores are those pesky things we all know we should check regularly but rarely do. Checking your credit score once a year is important for a number of reasons. Mainly, because it’s a great way to ensure you qualify for low-interest rate loans, which can save you money over time. There’s never a better ]]></description>
		<wfw:commentRss>http://www.springcoin.com/blog/debt-articles/the-number-one-factor-that-determines-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Identity Theft And Your Credit: What You Need To Know</title>
		<link>http://www.springcoin.com/blog/debt-articles/identity-theft-and-your-credit-what-you-need-to-know/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/identity-theft-and-your-credit-what-you-need-to-know/#comments</comments>
		<pubDate>Thu, 09 Aug 2012 19:49:06 +0000</pubDate>
		<dc:creator>Guest</dc:creator>
				<category><![CDATA[Identity Theft Protection]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=873</guid>
		<description><![CDATA[After someone steals your identity, there is no telling what can happen to your credit, name, and information. It&#8217;s a nightmare and one that is hard to fix if you are unsure of what to do. The good thing is that it&#8217;s not impossible to fix, and it can be done once you know the ]]></description>
		<wfw:commentRss>http://www.springcoin.com/blog/debt-articles/identity-theft-and-your-credit-what-you-need-to-know/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How to Save for a Six Month Emergency Fund</title>
		<link>http://www.springcoin.com/blog/debt-articles/how-to-save-for-a-six-month-emergency-fund/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/how-to-save-for-a-six-month-emergency-fund/#comments</comments>
		<pubDate>Tue, 07 Aug 2012 06:27:16 +0000</pubDate>
		<dc:creator>Guest</dc:creator>
				<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=870</guid>
		<description><![CDATA[Time to cut up the credit cards and get serious about achieving your own financial freedom. The next step after maintaining a home of your own and being able to meet all of your expenses is saving for an emergency fund. Why save up? You may feel that you have your budget under control now, ]]></description>
		<wfw:commentRss>http://www.springcoin.com/blog/debt-articles/how-to-save-for-a-six-month-emergency-fund/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Building a Bulletproof Budget</title>
		<link>http://www.springcoin.com/blog/debt-articles/building-a-bulletproof-budget/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/building-a-bulletproof-budget/#comments</comments>
		<pubDate>Fri, 03 Aug 2012 14:00:13 +0000</pubDate>
		<dc:creator>Guest</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[budget]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=866</guid>
		<description><![CDATA[Getting rid of debt is simple. The aim of the game is to earn more than you spend every month and use the surplus to clear your debt. It&#8217;s simple, but it&#8217;s not easy. There are dozens of tactics to get rid of debt &#8211; from debt stacking/snowballing to avoiding common mistakes - but it all starts with one ]]></description>
		<wfw:commentRss>http://www.springcoin.com/blog/debt-articles/building-a-bulletproof-budget/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Buying vs Renting: Take a Step Back</title>
		<link>http://www.springcoin.com/blog/debt-articles/buying-vs-renting-take-a-step-back/</link>
		<comments>http://www.springcoin.com/blog/debt-articles/buying-vs-renting-take-a-step-back/#comments</comments>
		<pubDate>Thu, 02 Aug 2012 05:47:23 +0000</pubDate>
		<dc:creator>Kevin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.springcoin.com/blog/?post_type=articles&amp;p=863</guid>
		<description><![CDATA[If you do a simple Google Search on whether to buy or rent, I guarantee you that you’ll stumble upon a ton of resourceful articles.  I had a few friends asked me for advice on whether they should buy a house or not, but for some reason my stomach cringed every time I heard this. ]]></description>
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		<slash:comments>0</slash:comments>
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