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	<title>A Financial Journey &#187; debt payoffs</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>Debt Free for Life Book</title>
		<link>http://www.afinancialjourney.com/2011/04/debt-free-for-life-is-a-book-worth-your-time/</link>
		<comments>http://www.afinancialjourney.com/2011/04/debt-free-for-life-is-a-book-worth-your-time/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 16:15:47 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Financial Help Books]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[David Bach]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[debt-free for life]]></category>
		<category><![CDATA[helpful books]]></category>
		<category><![CDATA[motivation]]></category>
		<category><![CDATA[support groups]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/2011/04/debt-free-for-life-is-a-book-worth-your-time/</guid>
		<description><![CDATA[Debt Free for Life really re-energized my desire to be debt free -- for life.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Emergency Fund Funding and Extra Payments</title>
		<link>http://www.afinancialjourney.com/2010/07/emergency-fund-funding-and-extra-payments/</link>
		<comments>http://www.afinancialjourney.com/2010/07/emergency-fund-funding-and-extra-payments/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 16:55:21 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[book]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[extra payments]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[reading]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=167</guid>
		<description><![CDATA[An update on my emergency fund funding and extra debt payments.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Payoff Plans Need to be Livable</title>
		<link>http://www.afinancialjourney.com/2010/07/debt-payoff-plans-need-to-be-livable/</link>
		<comments>http://www.afinancialjourney.com/2010/07/debt-payoff-plans-need-to-be-livable/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 15:02:15 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[extra cash]]></category>
		<category><![CDATA[overtime]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/169/debt-payoff-plans-need-to-be-livable/</guid>
		<description><![CDATA[It's like a diet. You have to change the way you think and live, not just cut out everything that might keep you from losing weight. Our debt payoff plan is livable and ongoing...Is yours?]]></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>An Update on My debts</title>
		<link>http://www.afinancialjourney.com/2010/02/an-update-on-my-debts/</link>
		<comments>http://www.afinancialjourney.com/2010/02/an-update-on-my-debts/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 19:02:13 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Goals]]></category>
		<category><![CDATA[debt payoffs]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/149/an-update-on-my-debts/</guid>
		<description><![CDATA[An update on my debts and my progress.]]></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>
		<wfw:commentRss>http://www.afinancialjourney.com/2009/08/an-alternative-debt-snowball-method/feed/</wfw:commentRss>
		<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>
		<wfw:commentRss>http://www.afinancialjourney.com/2009/06/are-rewards-for-successfully-paying-down-debt-a-good-idea/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Tough choices: Pay down debt or save for emergencies?</title>
		<link>http://www.afinancialjourney.com/2009/06/tough-choices-pay-down-debt-or-save-for-emergencies/</link>
		<comments>http://www.afinancialjourney.com/2009/06/tough-choices-pay-down-debt-or-save-for-emergencies/#comments</comments>
		<pubDate>Wed, 03 Jun 2009 14:48:56 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Savings]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[tough choices]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=108</guid>
		<description><![CDATA[What's more important, paying down debt or saving for emergencies? Will the answer be the same for everyone?]]></description>
		<wfw:commentRss>http://www.afinancialjourney.com/2009/06/tough-choices-pay-down-debt-or-save-for-emergencies/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Debt snowball payoff order: How to decide?</title>
		<link>http://www.afinancialjourney.com/2009/03/debt-snowball-payoff-order-how-to-decide/</link>
		<comments>http://www.afinancialjourney.com/2009/03/debt-snowball-payoff-order-how-to-decide/#comments</comments>
		<pubDate>Mon, 09 Mar 2009 23:43:11 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[payoff order]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=63</guid>
		<description><![CDATA[Debt payoff order is important, but your interest rate and the amount you owe are not the most important factors to consider when deciding on a payoff order.]]></description>
		<wfw:commentRss>http://www.afinancialjourney.com/2009/03/debt-snowball-payoff-order-how-to-decide/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Bought a used truck</title>
		<link>http://www.afinancialjourney.com/2009/02/bought-a-used-truck/</link>
		<comments>http://www.afinancialjourney.com/2009/02/bought-a-used-truck/#comments</comments>
		<pubDate>Wed, 18 Feb 2009 20:56:12 +0000</pubDate>
		<dc:creator>Kate</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[debt payoffs]]></category>
		<category><![CDATA[debt-land]]></category>
		<category><![CDATA[decision-making]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[extra cash]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[purchases]]></category>

		<guid isPermaLink="false">http://www.afinancialjourney.com/?p=57</guid>
		<description><![CDATA[An update on my search for an affordable truck.]]></description>
		<wfw:commentRss>http://www.afinancialjourney.com/2009/02/bought-a-used-truck/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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