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	<title>A Financial Journey &#187; cash-based living</title>
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	<link>http://www.afinancialjourney.com</link>
	<description>From the depths of debt to a cash based existence</description>
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		<title>The Total Money Makeover Book</title>
		<link>http://www.afinancialjourney.com/2011/11/the-total-money-makeover-book/</link>
		<comments>http://www.afinancialjourney.com/2011/11/the-total-money-makeover-book/#comments</comments>
		<pubDate>Fri, 25 Nov 2011 14:59:23 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Financial Help Books]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[helpful books]]></category>
		<category><![CDATA[motivation]]></category>
		<category><![CDATA[reading]]></category>
		<category><![CDATA[Total Money Makeover]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=224</guid>
		<description><![CDATA[The Total Money Makeover by Dave Ramsey is a get out of debt classic. This book can tell you everything you need to know to get out of debt and will motivate you to do just that.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Debt-Free Forever: Take Control of Your Money and Your Life Book</title>
		<link>http://www.afinancialjourney.com/2011/11/debt-free-forever-book/</link>
		<comments>http://www.afinancialjourney.com/2011/11/debt-free-forever-book/#comments</comments>
		<pubDate>Fri, 25 Nov 2011 14:58:00 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Financial Help Books]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[debt-free for life]]></category>
		<category><![CDATA[Gail Vaz-Oxlade]]></category>
		<category><![CDATA[helpful books]]></category>
		<category><![CDATA[Til Debt Do Us Part]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=221</guid>
		<description><![CDATA[If you've ever watched Til Debt Do Us Part, you'll know who Gail Vaz-Oxlade is. For those who don't, she's a no-nonsense proponent of living within your means, without consumer debt. Debt-Free Forever is her top-notch advice for getting out of debt, all in one place.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Drastic measures to cut debt</title>
		<link>http://www.afinancialjourney.com/2010/05/drastic-measures-to-cut-debt/</link>
		<comments>http://www.afinancialjourney.com/2010/05/drastic-measures-to-cut-debt/#comments</comments>
		<pubDate>Tue, 04 May 2010 02:50:16 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[tough choices]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=159</guid>
		<description><![CDATA[Some recent adjustments to my budget have given me more money to pay toward my debt obligations--but I admit, these cuts are a little drastic.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Year, New Resolutions</title>
		<link>http://www.afinancialjourney.com/2010/01/new-year-new-resolutions/</link>
		<comments>http://www.afinancialjourney.com/2010/01/new-year-new-resolutions/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 21:41:32 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[cash budget]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[job]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=145</guid>
		<description><![CDATA[Life changes have meant short-term goal changes but getting out of debt entirely is still my main target.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>An alternative debt snowball method</title>
		<link>http://www.afinancialjourney.com/2009/08/an-alternative-debt-snowball-method/</link>
		<comments>http://www.afinancialjourney.com/2009/08/an-alternative-debt-snowball-method/#comments</comments>
		<pubDate>Tue, 04 Aug 2009 22:29:00 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[debt-land]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[payoff order]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/134/an-alternative-debt-snowball-method/</guid>
		<description><![CDATA[Spouses don't always agree or cooperate when we decide to pay off our debt but there might be a way around that when it comes to the debt snowball...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are rewards for successfully paying down debt a good idea?</title>
		<link>http://www.afinancialjourney.com/2009/06/are-rewards-for-successfully-paying-down-debt-a-good-idea/</link>
		<comments>http://www.afinancialjourney.com/2009/06/are-rewards-for-successfully-paying-down-debt-a-good-idea/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 15:24:53 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[cash budget]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[rewards]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/128/are-rewards-for-successfully-paying-down-debt-a-good-idea/</guid>
		<description><![CDATA[Rewards might be a necessary and deserved part of any debt reduction plan.]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>How to take a real vacation on a tight budget</title>
		<link>http://www.afinancialjourney.com/2009/04/how-to-take-a-real-vacation-on-a-tight-budget/</link>
		<comments>http://www.afinancialjourney.com/2009/04/how-to-take-a-real-vacation-on-a-tight-budget/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 15:00:07 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[cash budget]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[travel]]></category>
		<category><![CDATA[vacations]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=90</guid>
		<description><![CDATA[My friend Allie tells how she budgeted and saved on her vacation&#8212;and how you can replicate her success.]]></description>
		<wfw:commentRss>http://www.afinancialjourney.com/2009/04/how-to-take-a-real-vacation-on-a-tight-budget/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Holiday roundup</title>
		<link>http://www.afinancialjourney.com/2009/01/holiday-roundup/</link>
		<comments>http://www.afinancialjourney.com/2009/01/holiday-roundup/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 19:26:17 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Budget]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[debt-land]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[holidays]]></category>
		<category><![CDATA[purchases]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=50</guid>
		<description><![CDATA[How the holidays impacted my efforts to get debt-free forever.]]></description>
		<wfw:commentRss>http://www.afinancialjourney.com/2009/01/holiday-roundup/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is a cell phone contract debt?</title>
		<link>http://www.afinancialjourney.com/2008/12/is-a-cell-phone-contract-debt/</link>
		<comments>http://www.afinancialjourney.com/2008/12/is-a-cell-phone-contract-debt/#comments</comments>
		<pubDate>Thu, 04 Dec 2008 17:45:11 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[contracts]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[obligations]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=46</guid>
		<description><![CDATA[What is debt? Do contracts that create obligations to pay qualify as debt?]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>401-k disaster blew my net worth gains in October</title>
		<link>http://www.afinancialjourney.com/2008/11/401-k-disaster-blew-my-net-worth-gains-in-october/</link>
		<comments>http://www.afinancialjourney.com/2008/11/401-k-disaster-blew-my-net-worth-gains-in-october/#comments</comments>
		<pubDate>Mon, 24 Nov 2008 19:51:28 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Goals]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[cash-based living]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[net worth]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=38</guid>
		<description><![CDATA[I made progress, but you wouldn't know it if you looked only at my lowering net worth.]]></description>
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		<slash:comments>0</slash:comments>
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