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<channel>
	<title>Debt &#38; Credit Blog&#124; Free Online Tips and Resourses</title>
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	<link>http://www.debtandcreditrelief.org</link>
	<description>Debt &#38; Credit Tips &#38; Resources</description>
	<lastBuildDate>Thu, 15 Mar 2012 18:33:01 +0000</lastBuildDate>
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		<item>
		<title>Debt Free League MUPPET video</title>
		<link>http://www.debtandcreditrelief.org/debt-free-league-muppet-video/</link>
		<comments>http://www.debtandcreditrelief.org/debt-free-league-muppet-video/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 22:42:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free]]></category>
		<category><![CDATA[League]]></category>
		<category><![CDATA[MUPPET]]></category>
		<category><![CDATA[video]]></category>

		<guid isPermaLink="false">http://www.debtandcreditrelief.org/debt-free-league-muppet-video/</guid>
		<description><![CDATA[www.debtfreeleague.com Debt Free League Muppet video on debt settlements credit solutions. Leading debt settlement California provider offering debt relief services for credit card settlement. If you great tips to be debt free or would like get debt settlement letter savings info visit company blog www.debtfreeleague.com or call 1-800-213-9968.]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="src" value="http://www.youtube.com/v/XwsNVAKt4rk?fs=1&amp;rel=0" /><param name="allowfullscreen" value="true" /><embed width="425" height="355" type="application/x-shockwave-flash" src="http://www.youtube.com/v/XwsNVAKt4rk?fs=1&amp;rel=0" allowFullScreen="true" allowfullscreen="true" /></object></p>
<div style="float: left; margin: 5px;"><img src="http://i.ytimg.com/vi/XwsNVAKt4rk/default.jpg" alt="Debt Free League MUPPET video" /></div>
<p>www.debtfreeleague.com Debt Free League Muppet video on debt settlements credit solutions. Leading debt settlement California provider offering debt relief services for credit card settlement. If you great tips to be debt free or would like get debt settlement letter savings info visit company blog www.debtfreeleague.com or call 1-800-213-9968.</p>
]]></content:encoded>
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		<slash:comments>25</slash:comments>
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		<item>
		<title>8 Tips to Overcome Credit Card Debt</title>
		<link>http://www.debtandcreditrelief.org/8-tips-to-overcome-credit-card-debt/</link>
		<comments>http://www.debtandcreditrelief.org/8-tips-to-overcome-credit-card-debt/#comments</comments>
		<pubDate>Sat, 10 Mar 2012 15:19:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
		<category><![CDATA[Card]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Overcome]]></category>
		<category><![CDATA[Tips]]></category>

		<guid isPermaLink="false">http://www.debtandcreditrelief.org/8-tips-to-overcome-credit-card-debt/</guid>
		<description><![CDATA[Get your freedom from debt or credit card debt. Be debt free today. Debt Escape is a leading Debt Solution Advisor in Sydney, Melbourne, Brisbane, Perth, Darwin and all around Australia. For more info go to www.debtescape.com.au or Call Us on 1300 661 671. Please also LIKE our Facebook page to get your latest debt [...]]]></description>
			<content:encoded><![CDATA[<p><object width="425" height="355" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="src" value="http://www.youtube.com/v/29YoV80qB50?fs=1&amp;rel=0" /><param name="allowfullscreen" value="true" /><embed width="425" height="355" type="application/x-shockwave-flash" src="http://www.youtube.com/v/29YoV80qB50?fs=1&amp;rel=0" allowFullScreen="true" allowfullscreen="true" /></object></p>
<p>Get your freedom from debt or credit card debt. Be debt free today. Debt Escape is a leading Debt Solution Advisor in Sydney, Melbourne, Brisbane, Perth, Darwin and all around Australia. For more info go to www.debtescape.com.au or Call Us on 1300 661 671. Please also LIKE our Facebook page to get your latest debt help tips into your Facebook www.facebook.com</p>
<p><object width="425" height="355" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="allowFullScreen" value="true" /><param name="src" value="http://www.youtube.com/v/viAAeYp5JEY?fs=1&amp;rel=0" /><param name="allowfullscreen" value="true" /><embed width="425" height="355" type="application/x-shockwave-flash" src="http://www.youtube.com/v/viAAeYp5JEY?fs=1&amp;rel=0" allowFullScreen="true" allowfullscreen="true" /></object></p>
<div style="float: left; margin: 5px;"><img src="http://i.ytimg.com/vi/viAAeYp5JEY/default.jpg" alt="Debt Settlement Tips | Debt Consolidation Guide!" /></div>
<p>Free debt settlement resources. Includes sites related to debt consolidation you can access from here!</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Eliminate Debt Fast Without Bankruptcy Or Debt Consolidation</title>
		<link>http://www.debtandcreditrelief.org/eliminate-debt-fast-without-bankruptcy-or-debt-consolidation/</link>
		<comments>http://www.debtandcreditrelief.org/eliminate-debt-fast-without-bankruptcy-or-debt-consolidation/#comments</comments>
		<pubDate>Sun, 04 Mar 2012 15:18:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Consolidation]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Eliminate]]></category>
		<category><![CDATA[Fast]]></category>
		<category><![CDATA[Without]]></category>

		<guid isPermaLink="false">http://www.debtandcreditrelief.org/eliminate-debt-fast-without-bankruptcy-or-debt-consolidation/</guid>
		<description><![CDATA[Eliminate Debt Fast Without Bankruptcy Or Debt Consolidation Learn How I Eliminated ,407 Of Unsecured Debt In Only 45 Days Without Filing Bankruptcy Or Using Any Type Of Debt Consolidation Service! Eliminate Debt Fast Without Bankruptcy Or Debt Consolidation Debt To Wealth Best Program For Turning Debt Into Wealth! Video Tutorials, Turnkey Systems, Blueprints, Etc! [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Eliminate Debt Fast Without Bankruptcy Or Debt Consolidation</strong><br />
Learn How I Eliminated ,407 Of Unsecured Debt In Only 45 Days Without Filing Bankruptcy Or Using Any Type Of Debt Consolidation Service!<br />
<a href="http://dh1961.PLS1001.hop.clickbank.net" rel="nofollow">Eliminate Debt Fast Without Bankruptcy Or Debt Consolidation</a></p>
<p><strong>Debt To Wealth</strong><br />
Best Program For Turning Debt Into Wealth! Video Tutorials, Turnkey Systems, Blueprints, Etc! Strong Brand Name, Doing Tv, Radio, And Print. Make Even More Money With Our Bonus Plan<br />
<a href="http://dh1961.ADCAFE51.hop.clickbank.net" rel="nofollow">Debt To Wealth</a></p>
]]></content:encoded>
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		</item>
		<item>
		<title>The Debt Free Miracle</title>
		<link>http://www.debtandcreditrelief.org/the-debt-free-miracle/</link>
		<comments>http://www.debtandcreditrelief.org/the-debt-free-miracle/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 15:21:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Free]]></category>
		<category><![CDATA[Miracle]]></category>

		<guid isPermaLink="false">http://www.debtandcreditrelief.org/the-debt-free-miracle/</guid>
		<description><![CDATA[Check out these Debt &#38; Credit Free, Debt &#38; Credit Information, Debt &#38; Credit Tips, Featured, products: The Debt Free Miracle Fix Your Finances Now &#8211; Break Free From The Bondage Of Debt. A Step By Step System To Free Yourself From Debt! The Debt Free Miracle Dump That Debt! Proven Debt Reduction System The [...]]]></description>
			<content:encoded><![CDATA[<p>Check out these Debt &amp; Credit Free, Debt &amp; Credit Information, Debt &amp; Credit Tips, Featured, products:</p>
<p><strong>The Debt Free Miracle</strong><br />
Fix Your Finances Now &#8211; Break Free From The Bondage Of Debt. A Step By Step System To Free Yourself From Debt!<br />
<a href="http://dh1961.DEBTPLAN.hop.clickbank.net" rel="nofollow">The Debt Free Miracle</a></p>
<p><strong>Dump That Debt! Proven Debt Reduction System</strong><br />
The Dump That Debt! System Was Created By Craig D. Allen, Cfa, Cfp, Cima, University Professor Of Finance. Simply Put, It&#8217;s A Proven, Simple, Easy To Use, Effective, Debt Reduction System That Helps You Reduce Debt Fast And Eliminate Debt Permanently!<br />
<a href="http://dh1961.DUMPDEBT.hop.clickbank.net" rel="nofollow">Dump That Debt! Proven Debt Reduction System</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt of Loyalty x 2 &#8211;  MTG Magic the Gathering</title>
		<link>http://www.debtandcreditrelief.org/debt-of-loyalty-x-2-mtg-magic-the-gathering/</link>
		<comments>http://www.debtandcreditrelief.org/debt-of-loyalty-x-2-mtg-magic-the-gathering/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 03:25:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Gathering]]></category>
		<category><![CDATA[Loyalty]]></category>
		<category><![CDATA[Magic]]></category>

		<guid isPermaLink="false">http://www.debtandcreditrelief.org/debt-of-loyalty-x-2-mtg-magic-the-gathering/</guid>
		<description><![CDATA[Some recent Debt &#38; Credit Free, Debt &#38; Credit Information, Debt &#38; Credit Tips, Featured, auctions on eBay:]]></description>
			<content:encoded><![CDATA[<p>Some recent Debt &amp; Credit Free, Debt &amp; Credit Information, Debt &amp; Credit Tips, Featured, auctions on eBay:</p>
<p><strong>No More Debt!: God's Strate.., Dollar, Creflo A., Jr. 9781885072405 NEW Book</strong>
<table border="0" cellpadding="8"><tr><td><a href="http://cgi.ebay.com/No-More-Debt-Gods-Strate-Dollar-Creflo-A-Jr-9781885072405-NEW-Book_W0QQitemZ180846536749QQcmdZViewItemQQssPageNameZRSS:B:SRCH:US:102"><img border="0" src="http://thumbs.ebaystatic.com/pict/180846536749_0.jpg"></a></td><td><strong>US $18.77</strong><br /> End Date: Saturday May-19-2012 6:04:00 PDT<br />Buy It Now for only: US $18.77<br /><a href="http://cgi.ebay.com/No-More-Debt-Gods-Strate-Dollar-Creflo-A-Jr-9781885072405-NEW-Book_W0QQitemZ180846536749QQcmdZViewItemQQssPageNameZRSS:B:SRCH:US:105">Buy it now</a> | <a href="http://cgi1.ebay.com/ws/eBayISAPI.dll?MfcISAPICommand=MakeTrack&item=180846536749&ssPageName=RSS:B:SRCH:US:104">Add to watch list</a></td></tr></table><br />
<strong>The New Empire of Debt: T.., Bonner, William and Wigg 9780470483268 NEW Book</strong>
<table border="0" cellpadding="8"><tr><td><a href="http://cgi.ebay.com/The-New-Empire-of-Debt-T-Bonner-William-and-Wigg-9780470483268-NEW-Book_W0QQitemZ180846542186QQcmdZViewItemQQssPageNameZRSS:B:SRCH:US:102"><img border="0" src="http://thumbs.ebaystatic.com/pict/180846542186_0.jpg"></a></td><td><strong>US $25.54</strong><br /> End Date: Saturday May-19-2012 6:13:12 PDT<br />Buy It Now for only: US $25.54<br /><a href="http://cgi.ebay.com/The-New-Empire-of-Debt-T-Bonner-William-and-Wigg-9780470483268-NEW-Book_W0QQitemZ180846542186QQcmdZViewItemQQssPageNameZRSS:B:SRCH:US:105">Buy it now</a> | <a href="http://cgi1.ebay.com/ws/eBayISAPI.dll?MfcISAPICommand=MakeTrack&item=180846542186&ssPageName=RSS:B:SRCH:US:104">Add to watch list</a></td></tr></table><br />
<strong>$1 Yukon Revenue Document 1953 SUMMONS Small debt A</strong>
<table border="0" cellpadding="8"><tr><td><a href="http://cgi.ebay.com/1-Yukon-Revenue-Document-1953-SUMMONS-Small-debt-A_W0QQitemZ320718938134QQcmdZViewItemQQssPageNameZRSS:B:SRCH:US:102"><img border="0" src="http://thumbs.ebaystatic.com/pict/320718938134_0.jpg"></a></td><td><strong>US $44.99</strong><br /> End Date: Saturday May-19-2012 6:14:08 PDT<br />Buy It Now for only: US $44.99<br /><a href="http://cgi.ebay.com/1-Yukon-Revenue-Document-1953-SUMMONS-Small-debt-A_W0QQitemZ320718938134QQcmdZViewItemQQssPageNameZRSS:B:SRCH:US:105">Buy it now</a> | <a href="http://cgi1.ebay.com/ws/eBayISAPI.dll?MfcISAPICommand=MakeTrack&item=320718938134&ssPageName=RSS:B:SRCH:US:104">Add to watch list</a></td></tr></table></p>
]]></content:encoded>
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		<item>
		<title>Master the art of budgeting to tackle student debt</title>
		<link>http://www.debtandcreditrelief.org/master-the-art-of-budgeting-to-tackle-student-debt/</link>
		<comments>http://www.debtandcreditrelief.org/master-the-art-of-budgeting-to-tackle-student-debt/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 22:06:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Master]]></category>
		<category><![CDATA[student]]></category>
		<category><![CDATA[tackle]]></category>

		<guid isPermaLink="false">http://www.debtandcreditrelief.org/master-the-art-of-budgeting-to-tackle-student-debt/</guid>
		<description><![CDATA[Master the art of budgeting to tackle student debt With collective nationwide student loan debt at a whopping $ 15-billion, Mr. Schwartz and other non-profit credit counselling services are keeping their doors wide open to debt-ridden students who need a whirlwind education in financial management. &#8230; Read more on Financial Post (blog) &#160; The Best [...]]]></description>
			<content:encoded><![CDATA[<p><strong><a href="http://www.debtandcreditrelief.org/master-the-art-of-budgeting-to-tackle-student-debt/images-2-2/" rel="attachment wp-att-105"><img class="alignleft size-full wp-image-105" title="images (2)" src="http://www.debtandcreditrelief.org/wp-content/uploads/2012/01/images-21.jpg" alt="" width="79" height="79" /></a>Master the art of budgeting to tackle student <strong>debt</strong></strong><br />
With collective nationwide student loan debt at a whopping $ 15-billion, Mr. Schwartz and other non-profit credit counselling services are keeping their doors wide open to debt-ridden students who need a whirlwind education in financial management. &#8230;<br />
<em>Read more on <a href="http://business.financialpost.com/2012/01/21/master-the-art-of-budgeting-to-tackle-student-debt/" rel="nofollow">Financial Post (blog)</a></em></p>
<p>&nbsp;</p>
<p><strong>The Best 4 Years of Your Life&#8230; Are Over: 5 Financial Steps for 20-Somethings</strong><br />
CreditKarma.com also offers free credit monitoring that automatically notifies you by email if any significant change to your credit report is detected. Your debts: Pay them off before saving. Contributing to your savings account is usually tip number &#8230;<br />
<em>Read more on <a href="http://www.huffingtonpost.com/justine-rivero/the-best-4-years-of-your-_b_1205290.html" rel="nofollow">Huffington Post</a></em></p>
<p>&nbsp;</p>
<p><strong>Portugal to need &#8220;<strong>debt</strong> haircut&#8221; as economy <strong>tips</strong> into Grecian downward spiral</strong><br />
While some of the latest damage reflects forced selling of Portuguese debt after Standard &amp; Poor&#8217;s cut the country&#8217;s credit rating to junk status last Friday, there are deeper worries that sharp fiscal cuts by the free-market government of Pedro Passos &#8230;<br />
<em>Read more on <a href="http://www.telegraph.co.uk/finance/financialcrisis/9026144/Portugal-to-need-debt-haircut-as-economy-tips-into-Grecian-downward-spiral.html" rel="nofollow">Telegraph.co.uk</a></em></p>
<p>&nbsp;</p>
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		</item>
		<item>
		<title>How To Turn Things Around</title>
		<link>http://www.debtandcreditrelief.org/how-to-turn-things-around/</link>
		<comments>http://www.debtandcreditrelief.org/how-to-turn-things-around/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 15:16:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Information]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[student]]></category>

		<guid isPermaLink="false">http://www.plrboy.com/sites/debtcredit/?p=31</guid>
		<description><![CDATA[It is a very rare kind of person that does not have money problems at some point in your life. It is important to realize in the circumstances that missing a single payment on your credit card does not make you a bad person, a financially reckless individual or a debt risk. This is not [...]]]></description>
			<content:encoded><![CDATA[<p>It is a very rare kind of person that does not have money problems at some point in your life. It is important to realize in the circumstances that missing a single payment on your credit card does not make you a bad person, a financially reckless individual or a debt risk. This is not because it is fine to miss a credit payment – ideally, it won’t happen to you – but because there is a way back from credit problems. You need to be concentrated on finding that way back and taking it – but as long as you keep a clear head, this is more than manageable.</p>
<p>Missing one credit card payment is unlikely to strip you of a positive credit rating in one fell swoop. What you need to keep in mind is that there are very good reasons to treat your first missed payment as a warning sign. If you fall into longer term problems with debt, it will be much harder to escape them. For this reason you should focus on that payment and tell yourself that it won’t happen again. Pay attention to making the payment when you can, and meeting the next one when it becomes due. By sticking to this promise to yourself you will make it far more likely that the one missed payment was an aberration. If you think that you will have problems making payments going forward, look for alternative solutions such as consolidation or debt management, rather than letting the problem grow.</p>
]]></content:encoded>
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		<title>A Debt Management Plan Could Be Your Salvation</title>
		<link>http://www.debtandcreditrelief.org/a-debt-management-plan-could-be-your-salvation/</link>
		<comments>http://www.debtandcreditrelief.org/a-debt-management-plan-could-be-your-salvation/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 15:16:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Tips]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[student]]></category>

		<guid isPermaLink="false">http://www.plrboy.com/sites/debtcredit/?p=27</guid>
		<description><![CDATA[Although we as a society have become used to the potential pitfalls of irresponsible lending and borrowing, there are still countless people who have to face a situation where they are placed under extreme pressure to make repayments because unforeseen circumstances interfered with their ability to keep up with the account. If it appears that [...]]]></description>
			<content:encoded><![CDATA[<p>Although we as a society have become used to the potential pitfalls of irresponsible lending and borrowing, there are still countless people who have to face a situation where they are placed under extreme pressure to make repayments because unforeseen circumstances interfered with their ability to keep up with the account. If it appears that you are going to be among them, debt management can be the answer – however it is important to be able to differentiate between the debt management plans that work in your favor and those which are out to make a quick buck.</p>
<p>Debt management should, if done correctly, be a way of reducing the debt that you are required to pay by getting in contact with the credit lender and negotiating a stop to interest being placed on your account – along with an agreement not to place late payment fees. Additionally, this process can be paired with a concerted policy of credit repair where an expert will go through your credit file to find the unfair penalties applied and look to overturn them. This means that with time you may be able to borrow again in a situation where it becomes necessary.</p>
<p>Debt management is not ever going to be the most simple process. Banks are tricky to deal with when they feel that they are going to be able to get money out of you one way or another. Think before choosing your debt management partner. The right one can be your pathway to financial security – the wrong one could leave you even worse off.</p>
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		<title>Secured Loans – The Pitfalls</title>
		<link>http://www.debtandcreditrelief.org/secured-loans-%e2%80%93-the-pitfalls/</link>
		<comments>http://www.debtandcreditrelief.org/secured-loans-%e2%80%93-the-pitfalls/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 15:16:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
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		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[student]]></category>

		<guid isPermaLink="false">http://www.plrboy.com/sites/debtcredit/?p=24</guid>
		<description><![CDATA[Taking out a loan for a small amount to pay for a purchase that is just outside your usual spending power should be quite a manageable situation. If you take the loan out at a reasonable rate of interest over a decent term then you should be able to make the repayments even if you [...]]]></description>
			<content:encoded><![CDATA[<p>Taking out a loan for a small amount to pay for a purchase that is just outside your usual spending power should be quite a manageable situation. If you take the loan out at a reasonable rate of interest over a decent term then you should be able to make the repayments even if you find yourself out of work for a period. However it is a different story if you take out a mortgage to pay for a house, or a car loan. These forms of credit are often “secured” on your purchase, which means that, should you default on the loan, the lender will be able to reclaim the property from you as a way of making their money back.</p>
<p>Secured credit has such pitfalls because, without the possibility of reclaiming their money in this way, banks would need to charge higher rates of interest and keep the term of the loan much shorter than they currently are. This would put the purchase of a house or a new car far outside the range of most people. It is, however, vitally important to be sure that you have a contingency plan should you suddenly lose your job. In such cases, becoming unemployed can also mean becoming homeless.</p>
<p>Further to this, a default on a mortgage can stay on your credit file for some time, meaning that another mortgage any time soon will be an impossibility for you. Take into account all the perils of taking a mortgage before you sign any documents, because the drawbacks to secured credit could be prohibitive.</p>
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		<title>Is Life Fantastic With Plastic?</title>
		<link>http://www.debtandcreditrelief.org/is-life-fantastic-with-plastic/</link>
		<comments>http://www.debtandcreditrelief.org/is-life-fantastic-with-plastic/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 15:15:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt & Credit Free]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[student]]></category>

		<guid isPermaLink="false">http://www.plrboy.com/sites/debtcredit/?p=21</guid>
		<description><![CDATA[We in society have become used to using plastic cards to pay for our purchases, because it promises convenience, speed and reassurance about our situation. While today we may not have the money to pay for that stereo or that holiday, a quick call to a bank can be all it takes to allow you [...]]]></description>
			<content:encoded><![CDATA[<p>We in society have become used to using plastic cards to pay for our purchases, because it promises convenience, speed and reassurance about our situation. While today we may not have the money to pay for that stereo or that holiday, a quick call to a bank can be all it takes to allow you to make the purchase one day and worry about paying it off in the future. When used correctly, credit cards can be beneficial for the user, as they allow a situation where you can control the cost of living. They are, it should be said, best used as a kind of progressive weapon against delays. The problem comes when one is used as a shield against debt. The thing they simply fail to offer is thinking time.</p>
<p>With a credit card, you can make a purchase and not have to worry about the money not being there. It is there, it just isn’t yours. As long as you can replenish that money within a suitable time period, no-one will get angry. However, there is no way of the vendor knowing that you will be in a bad position to actually pay for the purchase, and indeed they have no reason to care. It is the bank who will have something to say about it when you fail to make payments that they were expecting you to make. And the thing about that is that banks have a way of making their displeasure very clear indeed.</p>
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