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      <title>Real Life Debt: The Personal Finance Blog</title>
      <link>http://www.RealLifeDebt.com/</link>
      <description>Real life stories of people dealing with credit cards, mortgages, student loans, debt, finances, money, and bankruptcies.</description>
      <language>en</language>
      <copyright>Copyright 2008</copyright>
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         <title>Gas or Electric?</title>
         <description><![CDATA[<p>The battle between the electric car and the gas powered car, in my humble opinion, is just another case of passing the buck. The current arguments for electric cars over gas cars is they pollute less and you'll save on gas prices.</p>

<p>What they don't tell you is electric cars, in the end, probably pollute far more and end up costing a lot more in gas. You just don't see it first hand because you're not the one polluting, and you're not the one shelling out cash for the gas.</p>]]></description>
         <link>http://www.RealLifeDebt.com/gas-or-electric-8442.html</link>
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         <pubDate>Thu, 28 Aug 2008 10:30:45 -0700</pubDate>
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         <title>Gas or Subscribers?</title>
         <description><![CDATA[<p>For some reason people seem to think the great newspaper downsize is because of the advent of Internet news and other forms of news on demand. I wholeheartedly disagree.</p>

<p>It just doesn't make sense for a newspaper desperate for subscribers to thin out their paper, lay off reporters and distributors, and on top of all that increase their subscription fees if they are trying to better compete with online news. Sure some are switching to online models, but with so few having any amount of success, I very much doubt the strategy being undertaken by newspapers has much of anything to do with thicker competition.</p>]]></description>
         <link>http://www.RealLifeDebt.com/gas-or-subscribers-8441.html</link>
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         <pubDate>Mon, 25 Aug 2008 10:29:59 -0700</pubDate>
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         <title>Gas or Cigarettes?</title>
         <description><![CDATA[<p>Lately I've had a pretty tough decision to make. Does that $10 in nickels and dimes go toward gas, or cigarettes?</p>

<p>Yes, I'll admit, I'm addicted to nicotine and would like to go from place to place in a somewhat expedient form. You see, I live in the boonies of the Bible Belt, and they don't believe in buses here. The only way to get around is to buy into that overpriced commodity they call “gas” these days, and it's amazing what those prices do to our mood.</p>]]></description>
         <link>http://www.RealLifeDebt.com/gas-or-cigarettes-8440.html</link>
         <guid>http://www.RealLifeDebt.com/gas-or-cigarettes-8440.html</guid>
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         <pubDate>Thu, 21 Aug 2008 10:29:00 -0700</pubDate>
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         <title>Teaching Kids Some Cents, Part 5</title>
         <description><![CDATA[<p>If you're only just now tuning into this series on simple methods to teach kids about money, you've missed a lot. Check out part 1 to understand the methodology, then parts 2 and 3 to teach your kids to make a budget.</p>

<p>But if your kids won't sit still for that, have a look at part 4 to get in on the sneaky ways to teach them about money. However, there are a few things you probably shouldn't do in the interest of teaching your kids to be responsible with money.</p>]]></description>
         <link>http://www.RealLifeDebt.com/teaching-kids-some-cents-part-5-8439.html</link>
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         <pubDate>Mon, 18 Aug 2008 10:28:02 -0700</pubDate>
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         <title>Enjoy A Vacation for Pennies on the Dollar</title>
         <description><![CDATA[<p>With the high price of gas and cancellation of mass transportation, many people are electing to relax at home in what has become affectionately dubbed the "staycation."</p>

<p>Yes, taking a week long vacation at home has suddenly become very popular. Many are using their time around the house to catch up on projects, organize files, discard old junk, and consolidate their finances. But just as many use their staycation to actually relax.</p>]]></description>
         <link>http://www.RealLifeDebt.com/enjoy-a-vacation-for-pennies-on-the-dollar-1-8446.html</link>
         <guid>http://www.RealLifeDebt.com/enjoy-a-vacation-for-pennies-on-the-dollar-1-8446.html</guid>
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         <pubDate>Sat, 16 Aug 2008 13:48:06 -0700</pubDate>
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         <title>Teaching Kids Some Cents, Part 4</title>
         <description><![CDATA[<p>So what do you do when your kids seem bound and determined to be fiscally irresponsible? Some kids are real pros at finding ways to avoid learning about money. Fortunately for you, I have found a few sneaky work-arounds to their little tricks.</p>

<p>For the kids that just won't sit down long enough to get what is good for them, here's a few ways I have found to sneak some peas and carrots into their financial dinner.</p>]]></description>
         <link>http://www.RealLifeDebt.com/teaching-kids-some-cents-part-4-8438.html</link>
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         <pubDate>Thu, 14 Aug 2008 10:26:57 -0700</pubDate>
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         <title>Teaching Kids Some Cents, Part 3</title>
         <description><![CDATA[<p>Welcome to part 3 in a series on simple methods to teach kids about money. In case you missed it, part 1 gave a bit of an introduction and overview to the methodology behind this series, and in part 2 I started to detail how to guide your children through making a budget. Sorry to leave you hanging, but here's the rest ;)<br />
</p>]]></description>
         <link>http://www.RealLifeDebt.com/teaching-kids-some-cents-part-3-8437.html</link>
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         <pubDate>Tue, 12 Aug 2008 12:24:58 -0700</pubDate>
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         <title>Read the Fine Print in Financial Agreements</title>
         <description><![CDATA[<p>I'm a sucker for the funny pages. Lately, some haven't been so funny.</p>

<p>Still pondering whether the punchline of a certain cartoon is even possible. Bum on the street panhandling for change says he used to steal gas out of people's cars by switching hoses at the gas pump. "A" - I don't understand why that's funny and "B" - I don't think pump hoses can even be switched in mid-fill. </p>

<p>Do gas pump hoses stretch farther than the car parked right next to them? And if so, how is it possible to make said switch without the purchaser realizing his hose is pumping gas into someone else's car?</p>

<p>Technicalities, shmecknicalities. Don't bore us with the details, right?</p>

<p>Except when the details matter. </p>]]></description>
         <link>http://www.RealLifeDebt.com/read-the-fine-print-of-financial-agreements-8423.html</link>
         <guid>http://www.RealLifeDebt.com/read-the-fine-print-of-financial-agreements-8423.html</guid>
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         <pubDate>Thu, 07 Aug 2008 13:25:42 -0700</pubDate>
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         <title>Teaching Kids Some Cents, Part 2</title>
         <description><![CDATA[<p>So – are you ready to move ahead with that simple way to teach kids about money?</p>

<p>I'm sure your kids are pretty eager to get some money in their hands so they can finally buy all that stuff you've denied them all these years (oh you're such a cruel person!) - but before you hand over one thin dime, I recommend you teach them how to make a budget first.</p>]]></description>
         <link>http://www.RealLifeDebt.com/teaching-kids-some-cents-part-2-8387.html</link>
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         <pubDate>Mon, 21 Jul 2008 09:13:02 -0700</pubDate>
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         <title>Teaching Kids Some Cents, Part 1</title>
         <description><![CDATA[<p>Arguably the most important survival skill for children to learn these days is not taught in schools, and most parents don't even know or care enough to teach it either. It's the one skill that can make or break your children's ability to have a better life than you – and isn't that at least part of every parent's dream?</p>

<p>You know what skill I'm talking about – money management. But how do you make a good example, how do you teach your kids something that you might not be too keen at yourself? The good news is they can learn it all on their own – you don't have to be a financial pro, you just have to teach through a few basic methods.</p>]]></description>
         <link>http://www.RealLifeDebt.com/teaching-kids-some-cents-part-1-8384.html</link>
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         <pubDate>Fri, 18 Jul 2008 09:12:54 -0700</pubDate>
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         <title>Stretch your Dollar, Prevent your Pennies from Being Pinched</title>
         <description><![CDATA[<p>Rising prices of essential commodities like gas and food have made pinching a penny and stretching a dollar absolutely essential habits. Most of us live from paycheck to paycheck, and when the pay stays the same but expenses increase, there’s a lack of balance that sends you into debt in the blink of an eye. Now there are two ways in which you can consciously protect your financial status:<ul><li>Stretch your dollar by controlling expenditure on what you spend</li><li>Make sure your pennies are not pinched by preventing expenditure on what you don’t spend</li></ul>Illustrating further...</p>]]></description>
         <link>http://www.RealLifeDebt.com/stretch-your-dollar-prevent-your-pennies-from-being-pinched-8393.html</link>
         <guid>http://www.RealLifeDebt.com/stretch-your-dollar-prevent-your-pennies-from-being-pinched-8393.html</guid>
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         <pubDate>Thu, 17 Jul 2008 10:23:21 -0700</pubDate>
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         <title>How I Got a Laptop for $70</title>
         <description><![CDATA[<p>After the OLPC program started getting big, cheap laptops became “the new thing.” I tried to capitalize on any deal I could find by tracking the search terms “cheap laptop” and “inexpensive laptop” to see if I could land a lucky deal.</p>

<p>Several frustrating months later, no dice. I've needed a laptop for quite a while, but it just wasn't worth the minimum $400 to $700 to get a super cheap refurbished or ultra-portable laptop. Until lucking out with a $70 steal, I just made myself as portable as possible with a thumb drive containing all the documents and programs I might need on the go.</p>]]></description>
         <link>http://www.RealLifeDebt.com/how-i-got-a-laptop-for-70-8383.html</link>
         <guid>http://www.RealLifeDebt.com/how-i-got-a-laptop-for-70-8383.html</guid>
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         <pubDate>Wed, 16 Jul 2008 10:12:48 -0700</pubDate>
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         <title>It&apos;s Christmas, in July – And the Best Times to Buy</title>
         <description><![CDATA[<p>It's July folks – do you know where your Christmas presents are? If you didn't get them before the last New Year, then put some extra cash aside for August to get those pesky holiday money-suckers.</p>

<p>Think about it – what happens in August? School goes back in session. And what do they do every year when school goes back in session?</p>]]></description>
         <link>http://www.RealLifeDebt.com/its-christmas-in-july-and-the-best-times-to-buy-1-8382.html</link>
         <guid>http://www.RealLifeDebt.com/its-christmas-in-july-and-the-best-times-to-buy-1-8382.html</guid>
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         <pubDate>Mon, 14 Jul 2008 09:12:41 -0700</pubDate>
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         <title>Retirement: The Newest Bad Idea</title>
         <description><![CDATA[<p>Relatively speaking, retirement is a very new concept. It's hard to say just how it became so socially accepted, unless you take into account "the poor's" never ending desire to live like "the rich."</p>

<p>Nevertheless, I don't believe working the best 40 years of your life for a few easy golden years to be a necessarily healthy idea. It's an ideal based in pure hypocrisy.</p>]]></description>
         <link>http://www.RealLifeDebt.com/retirement-the-newest-bad-idea-8380.html</link>
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         <pubDate>Sat, 12 Jul 2008 10:08:31 -0700</pubDate>
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         <title>Start Christmas Preparations in July</title>
         <description><![CDATA[<p>The end of the long 4th of July weekend brings to mind many different associations. Firing up the grill cookouts. Lazy days at the pool. Fireworks displays on a grand scale. And Christmas preparations in July.</p>

<p>Contrary to what you must be thinking, I am not playing with a short deck. </p>

<p>A former co-worker let me in on this privileged secret and it has served me well ever since. Start preparing for Christmas around the 4th of July. Because before you know it, Labor Day will be upon us, then <a href="http://family-budgeting.suite101.com/article.cfm/frugal_back_to_school_shopping">back to school</a> shopping for those of us blessed with the pitter-patter of little street urchins. You won't have a chance to even catch your breath before it'll be time to start thinking about Halloween costumes and candy, and you know what that means ... Thanksgiving! <br />
</p>]]></description>
         <link>http://www.RealLifeDebt.com/start-christmas-preparations-in-july-23-8366.html</link>
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         <pubDate>Wed, 09 Jul 2008 00:26:52 -0700</pubDate>
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