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	<title>SettlementMax - Financial Freedom&#187; Debts that are impacting our quality of life  &#8211; SettlementMax &#8211; Financial Freedom</title>
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		<title>Debts that are impacting our quality of life</title>
		<link>http://settlementmax.com/blog/debts-impacting-quality-life/</link>
		<comments>http://settlementmax.com/blog/debts-impacting-quality-life/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 22:39:49 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=353</guid>
		<description><![CDATA[Debts that are impacting our quality of life can cause grief among us.  Unless a serious problem is at steak, most people fail to contain and reduce debt or even learn how to do so.  A number of people that choose not to admit their debt problem for a long time end up regretting it. 

Most people don’t want any advice at all, nor do they admit that they have any sort of problem.  Debtors often don’t think it is serious enough of a problem to seek advice.  A lot of people believe that it is solely their fault and that they should deal with the problem themselves
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 lies that got you (and keep you) in credit card debt</title>
		<link>http://settlementmax.com/blog/10-lies-keep-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/10-lies-keep-credit-card-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 15:56:55 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=89</guid>
		<description><![CDATA[Although we don't have credit card debt now, except for 0% APR balance transfers, there were times that we did. We never let our credit cards get completely out of control although we did build up thousands of dollars on our credit cards when I first got out of college...

]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Spend less this holiday</title>
		<link>http://settlementmax.com/blog/spend-holiday/</link>
		<comments>http://settlementmax.com/blog/spend-holiday/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 19:42:40 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=596</guid>
		<description><![CDATA[pending less during the holiday season does not mean you will have less fun.  Make sure you plan an affordable holiday.

Create a holiday budget.  A spending plan is a good start for a cheaper holiday season.  Don’t forget to include the cost of decorations, food and gifts into your budget.

Make a gift list and don’t go over your spending limit.  Get your gift ideas down on paper before heading out to the shop...]]></description>
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		<title>Holiday Spending Tips</title>
		<link>http://settlementmax.com/blog/holiday-spending-tips/</link>
		<comments>http://settlementmax.com/blog/holiday-spending-tips/#comments</comments>
		<pubDate>Mon, 07 Dec 2009 19:27:48 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=584</guid>
		<description><![CDATA[With the holidays just around the corner, many credit card rules and normal spending habits are forgotten.  Many charge up credit card balances that can take months and even years to pay back.  Here are ten mistakes that are commonly made during the holiday season.]]></description>
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		</item>
		<item>
		<title>How Americans Got into a Credit-Card Mess</title>
		<link>http://settlementmax.com/blog/americans-credit-card-mess/</link>
		<comments>http://settlementmax.com/blog/americans-credit-card-mess/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 21:55:25 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Articles]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=559</guid>
		<description><![CDATA[Americans have a long, sordid history with borrowed money. In Collateral Damaged: The Marketing of Consumer Debt to America, Charles Geisst, a professor of finance at Manhattan College, takes us through the centuries to explain how we wound up at our most recent — and spectacular — credit bubble. TIME's Barbara Kiviat spoke with him

You write that one of the major myths about American society is that we 
]]></description>
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		<item>
		<title>Do Not Live From Paycheck To Paycheck</title>
		<link>http://settlementmax.com/blog/live-paycheck-paycheck/</link>
		<comments>http://settlementmax.com/blog/live-paycheck-paycheck/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 21:34:47 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=463</guid>
		<description><![CDATA[Stop using your credit and debit cards immediately.  Also stop taking other loans, either from banks or finance companies or friends or family. Stop getting into more debt. 
SAVE! The most important step you can take, in the beginning, is to start a small savings account if you haven’t already. Begin depositing into it regularly, at least $100 per paycheck if you can. If you can’t find $100 then see the next step for how. Make it an automatic deposit, the first bill you pay each payday, because it is the most important! A savings account will help you smooth out your finances — when an emergency comes up, like your car breaking down or someone having to go to the hospital, you won’t be thrown back into debt. You will have some cash to pay for that emergency, and you can use your regular paycheck for regular expenses. 
]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Overcome Your Impulse Spending</title>
		<link>http://settlementmax.com/blog/overcome-impulse-spending/</link>
		<comments>http://settlementmax.com/blog/overcome-impulse-spending/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 21:26:11 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=454</guid>
		<description><![CDATA[Impulse spending is a common problem that many people have.  The first step in fixing this problem is to monitor your urges for about two weeks.  Keeping a small notebook in your pocket and using it to tally every time an urge comes along to buy something can be very useful.  Even if you decide not to purchase the item, it would be a good idea to keep track of the urges.  The reason being is that these urges are commonly in our subconscious.  If we record every time we have an urge to buy something, it will be our first step toward ]]></description>
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		<item>
		<title>How Did We End Up In Debt?</title>
		<link>http://settlementmax.com/blog/up-debt/</link>
		<comments>http://settlementmax.com/blog/up-debt/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 21:56:31 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=331</guid>
		<description><![CDATA[In the past, it was simply too easy for consumers to obtain credit.  Because credit was so easy to get, consumers figured out how to leverage their credit card rewards and balance transfer cards in order to make money. Many tried to perform credit card arbitrage by taking out cash advances and balance transfers from these cards, then investing the amounts into a rising stock market. This was one of those things you'd consider to be a "sign of the times." Of course, things are different today, but the 2000s was a ...]]></description>
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		</item>
		<item>
		<title>Banks Are Jacking Up Interest Rates, Penalties And Fees</title>
		<link>http://settlementmax.com/blog/banks-are-jacking-up-interest-rates-penalties-and-fees/</link>
		<comments>http://settlementmax.com/blog/banks-are-jacking-up-interest-rates-penalties-and-fees/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 21:45:09 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=326</guid>
		<description><![CDATA[Before a new law of reforms becomes effective in February of 2010, Credit card companies are raising interest rates, penalties and fees. As of July, interest rates spiked an average of 20% across the board from December 2008 with some issuers raising the interest rates 30 and even 50 percent. When the Pew Health Group [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>The Financial Journey of the Average American</title>
		<link>http://settlementmax.com/blog/financial-journey-average-american/</link>
		<comments>http://settlementmax.com/blog/financial-journey-average-american/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 22:56:00 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=152</guid>
		<description><![CDATA[The first payment-based debt for the average American gets incurred while still in high school. Interest rates on department store cards can be as staggering as 33%. Target is in the top 10 issuers of credit cards. Over 173 Million Americans own at least one credit card. The average rate for standard bank credit cards [...]]]></description>
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		<item>
		<title>The Story of Credit Card Hell – An American Perspective</title>
		<link>http://settlementmax.com/blog/story-credit-card-hell-american-perspective/</link>
		<comments>http://settlementmax.com/blog/story-credit-card-hell-american-perspective/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 21:30:06 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=140</guid>
		<description><![CDATA[You pay your credit card off every month, but happened to miss an auto loan or an electric bill payment.  A single late payment on your credit report can trigger a rate increase.  It is called Universal Default.
0% APR is great, but ...]]></description>
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		<item>
		<title>A Lifetime of debt</title>
		<link>http://settlementmax.com/blog/lifetime-debt/</link>
		<comments>http://settlementmax.com/blog/lifetime-debt/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:57:02 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=127</guid>
		<description><![CDATA[A Lifetime of Debt .]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Spread the debt around</title>
		<link>http://settlementmax.com/blog/spread-debt-around/</link>
		<comments>http://settlementmax.com/blog/spread-debt-around/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:55:24 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Pictures]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=122</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/spread-debt-around/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Amount Of National Debt By Country</title>
		<link>http://settlementmax.com/blog/national-debt-country/</link>
		<comments>http://settlementmax.com/blog/national-debt-country/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:48:46 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Pictures]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=110</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/national-debt-country/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Living In Credit Card Hell</title>
		<link>http://settlementmax.com/blog/credit-card-hell/</link>
		<comments>http://settlementmax.com/blog/credit-card-hell/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:47:03 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=113</guid>
		<description><![CDATA[]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/credit-card-hell/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>U.S. Debt &#8211; $65 Trillion</title>
		<link>http://settlementmax.com/blog/u-s-debt-65-trillion/</link>
		<comments>http://settlementmax.com/blog/u-s-debt-65-trillion/#comments</comments>
		<pubDate>Fri, 06 Nov 2009 16:29:05 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[bank]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=93</guid>
		<description><![CDATA[The total liabilities of the United States government, including future social security and medicare payments that the U.S. government is already committed to pay out, now exceed 65 trillion dollars, which is more than the entire GDP of the whole world.

]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/u-s-debt-65-trillion/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Is your debt making you sick?</title>
		<link>http://settlementmax.com/blog/debt-making-sick/</link>
		<comments>http://settlementmax.com/blog/debt-making-sick/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 23:20:43 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=74</guid>
		<description><![CDATA[In the past year, Chad, a 38-year-old former president of a social media communications company, has gained 30 pounds, seen his hair turned gray, and admits that both his blood pressure and cholesterol have increased. The cause is none other than the economy. “The economic downturn hit us early last year when people stopped paying,” he says. “We had a mountain of uncollectible outstanding invoices.”]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/debt-making-sick/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Top 5 reasons why people go get into debt</title>
		<link>http://settlementmax.com/blog/5-reasons-people-debt/</link>
		<comments>http://settlementmax.com/blog/5-reasons-people-debt/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 15:36:37 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=33</guid>
		<description><![CDATA[Excessive spending - With easy availability of credit over the past decade, the spending habits of Americans have skyrocketed. The old days of paying for something with cash are long gone and we now live in a society that borrows money to buy goods and services.]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/5-reasons-people-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Debt Poll &#8211; What is your current debt load?</title>
		<link>http://settlementmax.com/blog/current-debt-load/</link>
		<comments>http://settlementmax.com/blog/current-debt-load/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 20:38:53 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=17</guid>
		<description><![CDATA[Debt Poll - What is your current debt load?]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/current-debt-load/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Free Credit Report &#8211; Everyone can request a free yearly credit report</title>
		<link>http://settlementmax.com/blog/credit-report/</link>
		<comments>http://settlementmax.com/blog/credit-report/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 19:49:30 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Relevant Information]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=13</guid>
		<description><![CDATA[Do you know you're entitled to a free yearly credit report for all three credit reporting agencies?   There is a free website you can visit to request this free credit report once a year. At SettlementMax, we strongly encourage our clients to take advantage of this free valuable service.  ]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Understanding your finances is the first step you need to take to become financially independent</title>
		<link>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/</link>
		<comments>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 18:31:58 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Quick Facts]]></category>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=8</guid>
		<description><![CDATA[Most people spend more time managing company finances than their own personal finances.  Why is this?]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/understanding-finances-first-step-become-financially-independant/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The average american has between $30,000 and $40,000 in outstanding credit card debt.  How about you?</title>
		<link>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/</link>
		<comments>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 16:33:59 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
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		<guid isPermaLink="false">http://settlementmax.com/blog/?p=5</guid>
		<description><![CDATA[You are not alone. Banks have been given the ability to charge excessive interest rates, late fees and this has fed their cash cow, us the consumers. Trying to put it in the back of your mind and ignore it is not the right solution. Take action and explore all your different options before you start your journey to financial freedom.]]></description>
		<wfw:commentRss>http://settlementmax.com/blog/average-american-between-30000-40000-outstanding-credit-card-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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