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   <title>What's new on DebtSteps?</title>
   <link>http://www.debtsteps.com/debt-blog.html</link>
   <description>The latest additions, debt news and other related information about getting out of debt.</description>
   <language>en-us</language>
   <category >debt</category>
   <pubDate>Tue, 13 May 2008 17:31:19 GMT</pubDate>
   <lastBuildDate>Tue, 13 May 2008 17:31:19 GMT</lastBuildDate>
   <copyright>debtsteps.com</copyright>
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    <title>Free debt relief tips and articles.</title>
    <link>http://www.debtsteps.com/debt-relief-tips.html</link>
    <description>Browse free debt relief tips and articles to help you get back on financial track.</description>
    <pubDate>Tue, 13 May 2008 17:31:19 GMT</pubDate>
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    <title>Using your online credit report for debt management.</title>
    <link>http://www.debtsteps.com/online-credit-report.html</link>
    <description>Your online credit report can help you protect your credit and get you on the way to debt relief.  Get the facts on debt management and your online credit report now.</description>
    <pubDate>Tue, 13 May 2008 17:29:11 GMT</pubDate>
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    <title>Contacting the major credit bureaus.</title>
    <link>http://www.debtsteps.com/major-credit-bureaus.html</link>
    <description>If you have questions about your credit report, here is how to contact the credit bureaus.</description>
    <pubDate>Tue, 13 May 2008 17:17:58 GMT</pubDate>
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    <title>Free credit repair tips to rebuild your credit right.</title>
    <link>http://www.debtsteps.com/credit-repair.html</link>
    <description>Credit repair can be done, but be sure you do it right. Finding a loan or credit card with bad credit isn't hard, getting a decent interest rate can be.  Find out what you need to do to repair your credit so you can qualify for loans and credit cards.</description>
    <pubDate>Tue, 13 May 2008 17:05:43 GMT</pubDate>
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    <title>Debt relief steps, your free guide to debt help.</title>
    <link>http://www.debtsteps.com/index.html</link>
    <description>Debt relief steps are important, and lots of options are out there, get free help with comprehensive reviews of debt solutions so you can choose the right one for you.</description>
    <pubDate>Tue, 13 May 2008 12:03:38 GMT</pubDate>
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    <title>Types of debt consolidation loans for debt relief.</title>
    <link>http://www.debtsteps.com/debt-consolidation-loans.html</link>
    <description>Debt consolidation loans, what they are, and how to use them to your advantage to get debt relief.</description>
    <pubDate>Tue, 13 May 2008 12:01:28 GMT</pubDate>
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    <title>Consolidate debts. Comparing debt consolidation options.</title>
    <link>http://www.debtsteps.com/consolidate-debts.html</link>
    <description>Consolidate debts, compare the choices, the pros and cons, loans, services, and counseling. Get the facts!</description>
    <pubDate>Tue, 13 May 2008 12:00:16 GMT</pubDate>
   </item>
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    <title>Introduction to Credit Cards, compare and apply online.</title>
    <link>http://www.debtsteps.com/introduction-to-credit-cards.html</link>
    <description>Our introduction to credit cards will help you compare credit cards, their offerings and find the right online application forms.</description>
    <pubDate>Mon, 12 May 2008 19:44:04 GMT</pubDate>
   </item>
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    <title>Free money management tutorials for debt elimination.</title>
    <link>http://www.debtsteps.com/money-management.html</link>
    <description>Sound money management skills provide the basic for free debt elimination.  Learn how to eliminate debt and acquire sound money management skills, absolutely free!</description>
    <pubDate>Mon, 12 May 2008 19:42:53 GMT</pubDate>
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    <title>Find mortgages and loans, even credit cards, to meet your needs, fast!</title>
    <link>http://www.debtsteps.com/mortgages-and-loans.html</link>
    <description>Mortgages and loans are at all time lows, let us help you find the mortgages and loans for debt consolidation, refinancing, home improvement, credit cards, and more.</description>
    <pubDate>Sun, 30 Mar 2008 13:02:51 GMT</pubDate>
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    <title>Income Tax Filing Time, tips to help you prepare.</title>
    <link>http://www.debtsteps.com/income-tax-filing.html</link>
    <description>Prepare yourself, and your paperwork as income tax filing time is here. Learn where and how to file to save money, even filing online for free!.</description>
    <pubDate>Thu, 27 Mar 2008 10:48:20 GMT</pubDate>
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    <title>Credit Card Debt Advice - Pay it Back Strategically.</title>
    <link>http://www.debtsteps.com/credit-card-debt-advice.html</link>
    <description>Probably the best credit card debt advice is to use a strategy when repaying debts. Using the best debt reduction strategy can mean hundreds, possibly thousands, of dollars in your favor.</description>
    <pubDate>Thu, 27 Mar 2008 10:48:19 GMT</pubDate>
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    <title>Envelope System Zero Based Money Management Budget</title>
    <link>http://www.debtsteps.com/envelope-system.html</link>
    <description>Learn how the envelope system zero based money management budget can help you with money management and debt relief.</description>
    <pubDate>Fri, 21 Mar 2008 21:56:39 GMT</pubDate>
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    <title>How To Set Up Your Envelope Budgeting.</title>
    <link>http://www.debtsteps.com/envelope-budgeting.html</link>
    <description>Calculating your budget to match your paychecks when using the envelope budgeting method.</description>
    <pubDate>Fri, 21 Mar 2008 21:56:34 GMT</pubDate>
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    <title>You worst money mistakes can teach others!</title>
    <link>http://www.debtsteps.com/worst-money-mistakes.html</link>
    <description>Tell your story about your worst money mistake and you can help others avoid making the same error in their financial decisions.</description>
    <pubDate>Thu, 20 Mar 2008 15:26:44 GMT</pubDate>
   </item>
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    <title>Free budget calculators for financial management, mortgage or consolidation.</title>
    <link>http://www.debtsteps.com/budget-calculators.html</link>
    <description>Try these free budget calculators to get back on financial track.</description>
    <pubDate>Thu, 14 Feb 2008 13:31:53 GMT</pubDate>
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    <title>Download free budgeting worksheets, easy print.</title>
    <link>http://www.debtsteps.com/free-budgeting-worksheets.html</link>
    <description>Free budgeting worksheets are easy to download and print. Plus they walk you through the budgeting process and will help you create a personal budget you can live with. Learn easy strategies for successful money management to get out of debt.</description>
    <pubDate>Thu, 14 Feb 2008 13:31:48 GMT</pubDate>
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    <title>Debt doesn't have to control your life.</title>
    <link>http://www.careonecredit.com/campaigns/affredirect.aspx?img=10&amp;c=1156</link>
    <description>&lt;b&gt;&lt;a href=&quot;http://www.careonecredit.com/campaigns/affredirect.aspx?img=10&amp;c=1156&quot;&gt;Debt Relief &lt;/a&gt; from the name you can trust. &lt;BR&gt; &lt;a href=&quot;http://www.careonecredit.com/campaigns/affredirect.aspx?img=10&amp;c=1156&quot;&gt;Lower your payments &lt;/a&gt; by up to 57 for free today.  &lt;a href=&quot;http://www.careonecredit.com/campaigns/affredirect.aspx?img=10&amp;c=1156&quot;&gt; &lt;BR&gt; Click here for more info&lt;/a&gt;&lt;/B&gt;</description>
    <pubDate>Fri, 04 Jan 2008 22:31:01 GMT</pubDate>
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    <title>Credit Card Debt Settlement Program Tips: How to get a creditor to make the deal you want.</title>
    <link>http://www.debtsteps.com/credit-card-debt-settlement-program.html</link>
    <description>Credit Card Debt Settlement Program Tips: Remember, you have a distinct advantage in negotiating a settlement ... you have what the creditor is after. Learn how to negotiate!</description>
    <pubDate>Fri, 04 Jan 2008 17:02:36 GMT</pubDate>
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    <title>Credit card debt negotiation and your credit report.</title>
    <link>http://www.debtsteps.com/credit-card-debt-negotiation.html</link>
    <description>Credit card debt negotiation means it's time to negotiate what happens to your credit report with the creditor.</description>
    <pubDate>Fri, 04 Jan 2008 16:59:25 GMT</pubDate>
   </item>
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    <title>How to avoid bankruptcy, your alternative bankruptcy options.</title>
    <link>http://www.debtsteps.com/how-to-avoid-bankruptcy.html</link>
    <description>How to avoid bankruptcy. Review your alternative bankruptcy options to get out of debt.</description>
    <pubDate>Tue, 01 Jan 2008 22:48:17 GMT</pubDate>
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    <title>Debt income ratios explained. Debt management techniques using debt ratios.</title>
    <link>http://www.debtsteps.com/debt-income-ratios.html</link>
    <description>Learn how to calculate and use debt income ratios to get, or keep, your budget healthy. Free help with budgeting, debt relief, bill consolidation and more.</description>
    <pubDate>Mon, 31 Dec 2007 11:37:06 GMT</pubDate>
   </item>
   <item>
    <title>Need a personal loan for bad credit? Free tips and resources.</title>
    <link>http://www.debtsteps.com/personal-loan-for-bad-credit.html</link>
    <description>Need to get a personal loan for bad credit, debt consolidation credit card, signature loans to repay debts?  Find out what your options are now!</description>
    <pubDate>Wed, 12 Dec 2007 15:49:01 GMT</pubDate>
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    <title>Medical Bills and Credit Cards</title>
    <link>http://www.debtsteps.com/medical-bills-and-credit-cards.html</link>
    <description>We don't have the best insurance, and I was paying on our medical bills.  But, like all medical facilities, you can't just receive one bill, you</description>
    <pubDate>Mon, 03 Dec 2007 22:44:01 GMT</pubDate>
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    <title>Avoiding the Pitfalls of Loans between Friends.</title>
    <link>http://www.debtsteps.com/loans-between-friends.html</link>
    <description>What are the pitfalls of loans between friends.</description>
    <pubDate>Sun, 02 Dec 2007 20:30:29 GMT</pubDate>
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    <title>Debt Settlement Tips - How to negotiate with your creditors.</title>
    <link>http://www.debtsteps.com/debt-settlement-tips.html</link>
    <description>Debt settlement tips to help you negotiate with your creditors, where to get a debt settlement loan and what taxes you have to pay.</description>
    <pubDate>Mon, 26 Nov 2007 12:29:23 GMT</pubDate>
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    <title>More debt settlement strategies.</title>
    <link>http://www.debtsteps.com/debt-settlement-strategies.html</link>
    <description>These debt settlement strategies can help you get out of debt faster, cheaper and back on the road to financial recovery.</description>
    <pubDate>Mon, 26 Nov 2007 12:28:23 GMT</pubDate>
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    <title>Debt collection Statute of Limitations by State.</title>
    <link>http://www.debtsteps.com/debt-collection-statute-of-limitations.html</link>
    <description>Check out your debt collection Statute of Limitations for your state. Know if your creditors are following the debt collection rules!</description>
    <pubDate>Sun, 25 Nov 2007 12:29:00 GMT</pubDate>
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    <title>Debt Elimination Tip - Who's Guilty? Me?</title>
    <link>http://www.debtsteps.com/debt-elimination-tip.html</link>
    <description>This debt elimination tip can help save you loads of time and guilt.</description>
    <pubDate>Sat, 24 Nov 2007 16:09:28 GMT</pubDate>
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    <title>DIY negotiating debt settlement.</title>
    <link>http://www.debtsteps.com/negotiating-debt-settlement.html</link>
    <description>DIY negotiating debt settlement can seem intimidating, but with a few good tips, it isn't that hard to do!</description>
    <pubDate>Sat, 24 Nov 2007 16:06:12 GMT</pubDate>
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    <title>Having no emergency fund has almost ruined me</title>
    <link>http://www.debtsteps.com/having-no-emergency-fund-has-almost-ruined-me.html</link>
    <description>I remember reading books on budgeting and finance and their advice to be sure to have an emergency fund set up that should consist of three to six</description>
    <pubDate>Thu, 15 Nov 2007 11:51:42 GMT</pubDate>
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    <title>Banks, They Make it 100 times worse</title>
    <link>http://www.debtsteps.com/banks-they-make-it-100-times-worse.html</link>
    <description>I run my own business and it went through a bad patch for about 10 months and my bank, instead of trying to help, made things much worse.  It started</description>
    <pubDate>Fri, 19 Oct 2007 14:25:24 GMT</pubDate>
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    <title>Ways to prevent Identity Theft.</title>
    <link>http://www.debtsteps.com/ways-to-prevent-identity-theft.html</link>
    <description>Three important ways to prevent Identity Theft. Learn more...</description>
    <pubDate>Wed, 17 Oct 2007 18:13:59 GMT</pubDate>
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    <title>Documenting your Identity Theft Case.</title>
    <link>http://www.debtsteps.com/documenting-your-identity-theft-case.html</link>
    <description>Documenting your Identity Theft case properly will help you recover faster from Identity Theft, learn how now!</description>
    <pubDate>Wed, 17 Oct 2007 18:13:50 GMT</pubDate>
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    <title>Define Identity Theft.</title>
    <link>http://www.debtsteps.com/define-identity-theft.html</link>
    <description>To define identity theft is easy. If a stranger or someone other then yourself uses your personal information without permission then you are a tragic victim of identity theft ... but that isn't the whole story ...</description>
    <pubDate>Wed, 17 Oct 2007 18:13:39 GMT</pubDate>
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    <title>Science Fiction Convention... fun?</title>
    <link>http://www.debtsteps.com/science-fiction-convention-fun.html</link>
    <description>Oh sure, I had a great time. Meeting celebrities, visiting with internet friends, but was it really worth it?  Did I really spend a ridiculous amount</description>
    <pubDate>Sun, 09 Sep 2007 21:23:41 GMT</pubDate>
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    <title>Options for Getting Out of Debt.</title>
    <link>http://www.debtsteps.com/options-for-getting-out-of-debt.html</link>
    <description>Consider your options for getting out of debt to relieve stress, improve finances and your life now.</description>
    <pubDate>Tue, 04 Sep 2007 14:02:38 GMT</pubDate>
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    <title>Ebay Nightmare</title>
    <link>http://www.debtsteps.com/ebay-nightmare.html</link>
    <description>Well I like to buy things on E-Bay!  I noticed a Japanese samurai sword on Ebay and my fiance loves WW II antiques so I bid on it.  It was only 21</description>
    <pubDate>Tue, 04 Sep 2007 10:52:21 GMT</pubDate>
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    <title>Debt Made My Life Miserable</title>
    <link>http://www.debtsteps.com/debt-made-my-life-miserable.html</link>
    <description>Hi   I made great fault of my life by having credit card. To start with it was of one company.  Slowly I got credit cards of many other companies. </description>
    <pubDate>Tue, 04 Sep 2007 10:50:25 GMT</pubDate>
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    <title>Secrets...</title>
    <link>http://www.debtsteps.com/secrets.html</link>
    <description>About 8 years ago I left a great job at a local bank.  I had about 50,000 in a 401k.  My husband and I had a lot of debt, about 30,000 in consumer</description>
    <pubDate>Fri, 24 Aug 2007 08:49:52 GMT</pubDate>
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    <title>SIGN UP RIGHT NOW! Resisting Sales Pressure </title>
    <link>http://www.debtsteps.com/sign-up-right-now-resisting-sales-pressure.html</link>
    <description>When my husband and I were first married, we were invited to a &quot;buying club&quot; in our city. We were young, and oh, so dumb. The premise was for a &quot;mere</description>
    <pubDate>Tue, 21 Aug 2007 22:03:33 GMT</pubDate>
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    <title>Who hasn't fallen in love?</title>
    <link>http://www.debtsteps.com/who-hasnt-fallen-in-love.html</link>
    <description>Ok, when I was still young enough to believe that a whirwind romance could be anything but trouble ...emotionally and financially... I married a man. </description>
    <pubDate>Tue, 21 Aug 2007 15:05:20 GMT</pubDate>
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    <title>Beware Latest Fads</title>
    <link>http://www.debtsteps.com/beware-latest-fads.html</link>
    <description>OK, as much as I hate to admit it ;-) heres my &quot;worst money mistakes&quot; story  In the late 1990s, when Ty Beanie Babies were hot, I had gotten a few,</description>
    <pubDate>Sat, 18 Aug 2007 21:06:26 GMT</pubDate>
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    <title>Savings Account Diet</title>
    <link>http://www.debtsteps.com/savings-account-diet.html</link>
    <description>I would have to say that my worst money mistake was keeping my savings account on a diet during the years when it would have made the most difference</description>
    <pubDate>Sat, 18 Aug 2007 19:02:11 GMT</pubDate>
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    <title>Free household budget form with automatic calculation of financial ratios.</title>
    <link>http://www.debtsteps.com/free-household-budget-form.html</link>
    <description>This free household budget form will automatically calculate totals and financial ratios. Know where you stand, make better financial decisions, and improve your credit rating when you use this personal budget form.</description>
    <pubDate>Thu, 12 Apr 2007 22:11:05 GMT</pubDate>
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    <title>How To Tell What You Can Afford ... and what you can't!</title>
    <link>http://www.debtsteps.com/what-you-can-afford.html</link>
    <description>Learn what you can afford in your household budget and make better spending decisions.</description>
    <pubDate>Mon, 09 Apr 2007 14:25:26 GMT</pubDate>
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    <title>What is in your FICO score?</title>
    <link>http://www.debtsteps.com/what-is-in-your-fico-score.html</link>
    <description>Once you know what is in your FICO score, you can take steps to improve your credit rating. Learn how now...</description>
    <pubDate>Tue, 20 Mar 2007 01:13:32 GMT</pubDate>
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    <title>Managing Your Spending - 10 Minutes a Day to Get Out Of Debt.</title>
    <link>http://www.debtsteps.com/managing-your-spending.html</link>
    <description>Managing your spending. You've seen it everywhere  Track Your Spending  and it sounds like a good 
    idea but how do you do it where it doesn't take all day?</description>
    <pubDate>Fri, 16 Mar 2007 16:35:01 GMT</pubDate>
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    <title>Selling your home yourself, do you really want to be an FSBO?</title>
    <link>http://www.debtsteps.com/selling-your-home-yourself.html</link>
    <description>Does being a For Sale By Owner seller mean more profits?</description>
    <pubDate>Fri, 16 Mar 2007 16:34:59 GMT</pubDate>
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    <title>Repairing your credit file, tips and tricks to fix your credit file.</title>
    <link>http://www.debtsteps.com/repairing-your-credit.html</link>
    <description>Deciding whether repairing your credit yourself, or hiring a credit repair firm, depends a lot on your willingness to work, as well as your ability to be organized and follow through on the credit repair process.</description>
    <pubDate>Fri, 16 Mar 2007 16:34:56 GMT</pubDate>
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