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   <title>Debt to Income BLOG</title>
   <link>http://www.debt-to-income.com/debt-to-income-blog.html</link>
   <description>The Debt to Income BLOG provides real-time updates for readers seeking ways to take back control of their finances.  Conquer debt and learn to earn more income for prosperous debt-free living.</description>
   <language>en-us</language>
   <category domain = "http://www.debt-to-income.com/debt-to-income-blog.html#">debt relief</category>
   <pubDate>Tue, 01 Feb 2011 02:42:03 GMT</pubDate>
   <lastBuildDate>Tue, 01 Feb 2011 02:42:03 GMT</lastBuildDate>
   <copyright>debt-to-income.com</copyright>
   <item>
    <title>Achieve Real Debt Relief and Enjoy Debt Free Living!</title>
    <link>http://www.debt-to-income.com/index.html</link>
    <description>Not all debt relief solutions are equal.  Most debt counselors focus on budgeting your money to paydown debt with little or no discussion about how to permanently increase your income. Stop living paycheck to paycheck. Pay off your debt faster by making more money!</description>
    <pubDate>Tue, 01 Feb 2011 02:42:03 GMT</pubDate>
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    <title>Free 401k Advice - FAQ</title>
    <link>http://www.debt-to-income.com/401k-advice.html</link>
    <description>Finding free 401k advice that you can count on is not easy. Here you learn what you need to know. Find your answers on 401k rules and other money saving tips.</description>
    <pubDate>Thu, 24 Jun 2010 13:43:34 GMT</pubDate>
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    <title>Subscribe!  Get rid of debt via the DTI In Focus newsletter.</title>
    <link>http://www.debt-to-income.com/get-rid-of-debt.html</link>
    <description>Get rid of debt once and for all!  Most people carry too much debt and it gets in the way of their ability to build wealth.  We show you have to eliminate debt and increase your income. Subscribe now.</description>
    <pubDate>Thu, 24 Jun 2010 03:42:05 GMT</pubDate>
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   <item>
    <title>Consumer debt relief that works.  10 Days to New Income.</title>
    <link>http://www.debt-to-income.com/consumer-debt-relief.html</link>
    <description>Consumer debt relief is within your reach!  Conquer your debt while also creating new income opportunities. 10 Days to New Income works.</description>
    <pubDate>Fri, 14 May 2010 20:26:50 GMT</pubDate>
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    <title>Credit Score Explanation On FICO</title>
    <link>http://www.debt-to-income.com/credit-score-explanation.html</link>
    <description>One credit score explanation can vary from another. Exactly how a FICO score is determined is unknown, but doing certain things will raise your credit score rating.</description>
    <pubDate>Thu, 13 May 2010 04:01:48 GMT</pubDate>
   </item>
   <item>
    <title>Credit Score Chart. What Is Your Credit Score Ranking?</title>
    <link>http://www.debt-to-income.com/credit-score-chart.html</link>
    <description>A high FICO on your credit score chart is not always a good thing.  A high credit score rating may indicate a large appetite for debt, which can quickly get out of hand.</description>
    <pubDate>Mon, 10 May 2010 14:19:13 GMT</pubDate>
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    <title>Your Credit Rights: Free Tool!</title>
    <link>http://www.debt-to-income.com/credit-rights.html</link>
    <description>Credit rights are often not fully understood by consumers. Knowing your rights lessens monetary risk. Our free credit tool educates consumers about credit, debt and personal finance related issues.</description>
    <pubDate>Tue, 04 May 2010 14:01:39 GMT</pubDate>
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    <title>Credit Report Inquiry Questions</title>
    <link>http://www.debt-to-income.com/credit-report-inquiry.html</link>
    <description>Every credit report inquiry is listed on your credit report.  Having too many inquiries counts against you from a lender standpoint.</description>
    <pubDate>Mon, 15 Mar 2010 20:03:25 GMT</pubDate>
   </item>
   <item>
    <title>Credit Repair Organization, Free Tool!</title>
    <link>http://www.debt-to-income.com/credit-repair-organization.html</link>
    <description>Credit repair organization claims are notoriously false. Some prove to be outright lies. Learn how to identify scams and discover how to clean up your credit history on your own.</description>
    <pubDate>Mon, 15 Mar 2010 19:57:03 GMT</pubDate>
   </item>
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    <title>Financial Freedom Debt Relief That Works!</title>
    <link>http://www.debt-to-income.com/freedom-debt-relief.html</link>
    <description>Seeking financial freedom debt relief? Debt reduction programs can be costly. In 10 Steps to Conquer Debt, you receive a debt elimination program as a free service.  Get organized and take control over your personal finances.</description>
    <pubDate>Sat, 13 Mar 2010 03:49:02 GMT</pubDate>
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    <title>Money saving expert, Richard Gorham, teaches you how to go from debt to income.</title>
    <link>http://www.debt-to-income.com/money-saving-expert.html</link>
    <description>Meet money saving expert, Richard Gorham, owner of Debt-to-Income.com. Richard shows you how to conquer debt and build wealth in order to live a happy debt free lifestyle.</description>
    <pubDate>Sat, 13 Mar 2010 01:59:06 GMT</pubDate>
   </item>
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    <title>Consumer Credit Counseling That Works!</title>
    <link>http://www.debt-to-income.com/consumer-credit-counseling.html</link>
    <description>Consumer credit counseling agencies are not all the same. Many debt counseling services are scams that seek out people who are scared from the debt they have accumulated. Personal debt counseling can help.</description>
    <pubDate>Thu, 11 Mar 2010 01:34:16 GMT</pubDate>
   </item>
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    <title>Seeking Credit Relief Online Options?</title>
    <link>http://www.debt-to-income.com/credit-relief-online.html</link>
    <description>Finding credit relief online can be a daunting task. Discover why debt relief companies are not your best debt free solution.</description>
    <pubDate>Sat, 06 Mar 2010 01:46:12 GMT</pubDate>
   </item>
   <item>
    <title>Credit Options Free Resource</title>
    <link>http://www.debt-to-income.com/credit-options.html</link>
    <description>There are a wide varity of credit options available. Learn more about how to access credit and protect your home.</description>
    <pubDate>Sat, 06 Mar 2010 01:36:32 GMT</pubDate>
   </item>
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    <title>Credit History Score Protection Tips</title>
    <link>http://www.debt-to-income.com/credit-history-score.html</link>
    <description>Protect your credit history score. Discover how to securing your credit history information and avoid identity theft.</description>
    <pubDate>Fri, 05 Mar 2010 04:32:06 GMT</pubDate>
   </item>
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    <title>Improve Credit History Report Results</title>
    <link>http://www.debt-to-income.com/credit-history-report.html</link>
    <description>Monitor and improve credit history report results. Learn ways to effectively increase credit score ratings to ensure higher credit score ranking.</description>
    <pubDate>Fri, 05 Mar 2010 04:26:01 GMT</pubDate>
   </item>
   <item>
    <title>Free Interactive Ecards on Debt and Money</title>
    <link>http://www.debt-to-income.com/free-interactive-ecards.html</link>
    <description>Send free interactive ecards on getting out of debt to your friends and family members. No limit to how many free ecards you can send.</description>
    <pubDate>Thu, 04 Mar 2010 20:39:25 GMT</pubDate>
   </item>
   <item>
    <title>Credit History Repair The Right Way</title>
    <link>http://www.debt-to-income.com/credit-history-repair.html</link>
    <description>Credit history repair services and credit counseling are just some of the important services offered by CCCS. If you need a debt management planner, this is the only debt relief organization we recommend.</description>
    <pubDate>Thu, 04 Mar 2010 05:34:59 GMT</pubDate>
   </item>
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    <title>Protect Credit History Information</title>
    <link>http://www.debt-to-income.com/credit-history-information.html</link>
    <description>Your credit history information is highly valuable to identity thieves. Get identify theft facts and learn to how to protect your personal information.</description>
    <pubDate>Wed, 03 Mar 2010 02:09:01 GMT</pubDate>
   </item>
   <item>
    <title>Credit Counseling Debt Relief.</title>
    <link>http://www.debt-to-income.com/credit-counseling-debt-relief.html</link>
    <description>Obtain credit counseling debt relief. Assistance is now available. Take steps today to ensure a brighter financial future that is free of debt and full of prosperity.</description>
    <pubDate>Tue, 02 Mar 2010 21:06:16 GMT</pubDate>
   </item>
   <item>
    <title>Credit Counseling Tips.</title>
    <link>http://www.debt-to-income.com/credit-counseling.html</link>
    <description>Credit counseling is necessary to gain basic education on personal finance. A reputable credit counseling organization provides benefits at a reasonable cost.</description>
    <pubDate>Tue, 02 Mar 2010 21:01:37 GMT</pubDate>
   </item>
   <item>
    <title>Credit cards Debt Consolidation Options</title>
    <link>http://www.debt-to-income.com/credit-cards-debt-consolidation.html</link>
    <description>Credit cards debt consolidation options are plentiful. Carefully review the various debt consolidation services and products offered.</description>
    <pubDate>Fri, 26 Feb 2010 02:13:54 GMT</pubDate>
   </item>
   <item>
    <title>Credit Card Payment Terms Facts</title>
    <link>http://www.debt-to-income.com/credit-card-payment-terms.html</link>
    <description>Always read the credit card payment terms before signing any agreement. Learn the credit card debt facts to avoid needing credit counseling later on.</description>
    <pubDate>Fri, 26 Feb 2010 02:07:24 GMT</pubDate>
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    <title>Understanding Credit Card Laws</title>
    <link>http://www.debt-to-income.com/credit-card-laws.html</link>
    <description>According to credit card laws and regulations, any card that you cosign for you are equally responsible for repayment and subjest to credit card collection agencies.</description>
    <pubDate>Fri, 26 Feb 2010 02:05:33 GMT</pubDate>
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   <item>
    <title>The Credit Card Guaranteed To Save You Money</title>
    <link>http://www.debt-to-income.com/credit-card-guaranteed.html</link>
    <description>Say no to any credit card guaranteed program that promises to save you money.  Learn how to say no to debt and yes to building financial wealth.</description>
    <pubDate>Fri, 26 Feb 2010 02:03:41 GMT</pubDate>
   </item>
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    <title>Seeking Credit Card Debt Relief?</title>
    <link>http://www.debt-to-income.com/credit-card-debt-relief.html</link>
    <description>Take the first step toward credit card debt relief. Get help before the situation gets any worse. Freedom debt relief is available if you want to get rid of debt and begin building wealth.</description>
    <pubDate>Fri, 26 Feb 2010 02:01:28 GMT</pubDate>
   </item>
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    <title>Credit Card Debt Reduction Secrets</title>
    <link>http://www.debt-to-income.com/credit-card-debt-reduction.html</link>
    <description>Commit to credit card debt reduction. Say no to high interest and annual fees! Learn to create a debt relief programs for a brighter financial future.</description>
    <pubDate>Thu, 25 Feb 2010 20:19:43 GMT</pubDate>
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    <title>Credit Card Debt in America</title>
    <link>http://www.debt-to-income.com/credit-card-debt-in-america.html</link>
    <description>Credit card debt in America has become an epidemic. Learn how to avoid being a victim of debt. A debt relief program can help.</description>
    <pubDate>Sat, 20 Feb 2010 04:30:15 GMT</pubDate>
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    <title>Credit Card Debt Help</title>
    <link>http://www.debt-to-income.com/credit-card-debt-help.html</link>
    <description>Learn where to find credit card debt help. Avoid a personal financial crisis by seeking out helpful debt information, written by a credit card debt expert.</description>
    <pubDate>Fri, 19 Feb 2010 20:49:16 GMT</pubDate>
   </item>
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    <title>Credit Card Debt Facts</title>
    <link>http://www.debt-to-income.com/credit-card-debt-facts.html</link>
    <description>Get the true credit card debt facts and figures to avoid credit cards scams and costly debt. Ensure your chances for wealth and prosperity.</description>
    <pubDate>Fri, 19 Feb 2010 20:46:26 GMT</pubDate>
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    <title>Credit Card Debt Elimination Help</title>
    <link>http://www.debt-to-income.com/credit-card-debt-elimination.html</link>
    <description>Credit card debt elimination is achievable. If you are ready for change and committed to living debt free, there is debt relief information available to get you on a path of financial freedom.</description>
    <pubDate>Thu, 18 Feb 2010 15:56:44 GMT</pubDate>
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    <title>Credit Card Debt Counseling Questions</title>
    <link>http://www.debt-to-income.com/credit-card-debt-counseling.html</link>
    <description>When credit card debt counseling is not working, you cannot simply give up and walk away from your creditors. Learn how debt relief counseling can save you from financial disaster in tough economic times.</description>
    <pubDate>Sat, 06 Feb 2010 04:54:45 GMT</pubDate>
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    <title>Credit Card Debt Consolidation Options</title>
    <link>http://www.debt-to-income.com/credit-card-debt-consolidation.html</link>
    <description>Credit card debt consolidation may or may not be the answer to your financial problems. Using the power of momentum you can create your own debt reduction snowball a pay off credit card debts in record time.</description>
    <pubDate>Thu, 04 Feb 2010 20:53:35 GMT</pubDate>
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    <title>Credit Card Debt Collection Facts</title>
    <link>http://www.debt-to-income.com/credit-card-debt-collection.html</link>
    <description>Credit card debt collection agencies can be difficult to work with. Learn to work in partnership with credit organizations and mininize damage to your credit history and credit score ranking.</description>
    <pubDate>Thu, 04 Feb 2010 20:48:43 GMT</pubDate>
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    <title>Credit Card Calculators. Debt Free Services.</title>
    <link>http://www.debt-to-income.com/credit-card-calculators.html</link>
    <description>Credit card calculators are not all the same. Do more than just calculate your minimum payment or consolidated balance.  Get the important credit card debt facts using this valuable financial tool.</description>
    <pubDate>Wed, 03 Feb 2010 20:51:36 GMT</pubDate>
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    <title>Credit Card Bankruptcy. Bankruptcy Advice and Help</title>
    <link>http://www.debt-to-income.com/credit-card-bankruptcy.html</link>
    <description>There is no distinction between credit card bankruptcy, card loan or home mortgage bankruptcy.  Bankruptcy in any form is never ideal, but there are many bankruptcy questions that are easily answered.</description>
    <pubDate>Wed, 03 Feb 2010 20:46:48 GMT</pubDate>
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    <title>Credit Card Applications On The Rise</title>
    <link>http://www.debt-to-income.com/credit-card-applications.html</link>
    <description>What to do with credit card applications. Credit card companies are increasingly soliciting the public with clever credit offers and special introductory rates. Buyer beware of hidden fees and charges.</description>
    <pubDate>Wed, 03 Feb 2010 20:39:44 GMT</pubDate>
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    <title>Credit and debt counseling.</title>
    <link>http://www.debt-to-income.com/credit-and-debt-counseling.html</link>
    <description>Credit and debt counseling is a good first step if you are deep in debt. Getting consumer debt help improves your chances of solving your debt problems and getting your personal finance issue back in line.</description>
    <pubDate>Tue, 02 Feb 2010 20:51:09 GMT</pubDate>
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    <title>Budgeting Is A Blessing!</title>
    <link>http://www.debt-to-income.com/budgeting-is-a-blessing.html</link>
    <description>I have to be really honest.  Budgeting does not come naturally to me.  My husband, on the other hand, is a natural born money manager.    Our finances</description>
    <pubDate>Sun, 10 Jan 2010 20:12:27 GMT</pubDate>
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    <title>Small Choices =&lt;br&gt; More Money and Positive Cash Flow!</title>
    <link>http://www.debt-to-income.com/small-choices-more-money-and-positive-cash-flow.html</link>
    <description>My grandma, who recently turned 95, is famous in our family for saying a penny saved is a penny earned.    She has lived her amazing life by the</description>
    <pubDate>Sun, 10 Jan 2010 19:33:14 GMT</pubDate>
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    <title>Getting Out of &#39;Debt Denial&#39;</title>
    <link>http://www.debt-to-income.com/getting-out-of-debt-denial.html</link>
    <description>Have you ever felt overcome by that feeling in your gut where you dont know exactly where you are financially, and youre not exactly sure that you</description>
    <pubDate>Sun, 10 Jan 2010 18:55:17 GMT</pubDate>
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    <title>Free Budget Spreadsheet. Household Budget Template!</title>
    <link>http://www.debt-to-income.com/budget-spreadsheet.html</link>
    <description>Use our free budget spreadsheet to successfully budget your money.  Managing a household budget can be stressful, so use our proven budget template for easy budgeting help.</description>
    <pubDate>Tue, 05 Jan 2010 03:48:46 GMT</pubDate>
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    <title>Debt to Wealth? Go from a Life of Debt to Income!</title>
    <link>http://www.debt-to-income.com/debt-to-wealth.html</link>
    <description>Going from a life of debt to wealth is absolutely achievable!  Having completed the prior nine debt reduction steps, you are now ready to super charge your debt elimination program.</description>
    <pubDate>Tue, 05 Jan 2010 03:05:01 GMT</pubDate>
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    <title>Electronic Bill Payments. Automate to Eliminate Debt!</title>
    <link>http://www.debt-to-income.com/electronic-bill-payments.html</link>
    <description>Electronic bill payments are just one of many ways to put your debt reduction program on automatic. Discover financial services that provide automation, making more time to focus on increasing your income!</description>
    <pubDate>Tue, 05 Jan 2010 03:01:14 GMT</pubDate>
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    <title>Emergency Funding. Emergency Cash for Unexpected Events</title>
    <link>http://www.debt-to-income.com/emergency-funding.html</link>
    <description>Emergency funding in the event of an unexpected occurance is key to your long term financial stability. You can stay on budget even when emergency spending is necessary.</description>
    <pubDate>Tue, 05 Jan 2010 02:59:00 GMT</pubDate>
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    <title>Cash Budget Techniques. Cash Envelope System Ideas!</title>
    <link>http://www.debt-to-income.com/cash-budget.html</link>
    <description>Cash budget envelope system is an easy way to stay in line with your personal household budget. Cash expenditures are easily planned for as part of your monthly budget.</description>
    <pubDate>Tue, 05 Jan 2010 02:56:55 GMT</pubDate>
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    <title>Debt Reduction Calculator. Debt Snowball Stack It System!</title>
    <link>http://www.debt-to-income.com/debt-reduction-calculator.html</link>
    <description>Use this free debt reduction calculator to quickly prioritize your credit obligations.  Paying down your debt in this order will enable you to reduce your debt faster.</description>
    <pubDate>Tue, 05 Jan 2010 02:52:41 GMT</pubDate>
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    <title>Sample Cash Flow Statement. Free Personal Finance Cash Flow Template!</title>
    <link>http://www.debt-to-income.com/sample-cash-flow-statement.html</link>
    <description>View a sample cash flow statement for household budgeting. This free cash flow template tool teaches you how to better manage your money daily by understanding the timing of cash flow. Never be surprised by a negative balance again!</description>
    <pubDate>Tue, 05 Jan 2010 02:50:33 GMT</pubDate>
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    <title>Free Budget Planner Template. Household Budgeting In A Snap!</title>
    <link>http://www.debt-to-income.com/free-budget-planner.html</link>
    <description>Access our free budget planner template for a worry free experience in financial budgeting.  Creating a budget that works is key to personal finance planning.</description>
    <pubDate>Tue, 05 Jan 2010 02:47:02 GMT</pubDate>
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