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	<title>SettlementMax - Financial Freedom&#187; Avoid using your credit card during the holiday season &#8211; SettlementMax &#8211; Financial Freedom</title>
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		<title>Avoid using your credit card during the holiday season</title>
		<link>http://settlementmax.com/blog/credit-card-during-holiday-season/</link>
		<comments>http://settlementmax.com/blog/credit-card-during-holiday-season/#comments</comments>
		<pubDate>Tue, 08 Dec 2009 19:36:24 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[holiday]]></category>
		<category><![CDATA[settlement]]></category>
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		<category><![CDATA[tip]]></category>

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		<description><![CDATA[It’s the holiday season, the biggest shopping season of the whole year.  It’s this time that many Americans end up with thousands of dollars in credit card debt they cant afford to pay back.  Here are some reasons to avoid using your credit card while shopping for the holidays.

If you have a debt on your credit card now, you will only be adding to it.  You will spend more money with a credit card because there is no physical sign telling you to stop spending.  Try to avoid using your credit card and use some cash you have put aside for holiday shopping.  You will pay more with a credit card as well because you pay interest on balance...]]></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>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[debts]]></category>
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		<category><![CDATA[holiday]]></category>
		<category><![CDATA[holidays]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[Settlementmax]]></category>
		<category><![CDATA[shop]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[spending]]></category>

		<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>
		<title>Here are some tips to help you improve your finances</title>
		<link>http://settlementmax.com/blog/tips-improve-finances/</link>
		<comments>http://settlementmax.com/blog/tips-improve-finances/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 23:10:37 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[bill]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credits]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[debts]]></category>
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		<category><![CDATA[improve]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[Settlementmax]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=477</guid>
		<description><![CDATA[The longer you leave a debt problem the worse it gets and by facing your debts immediately, you’ll be out of your debt problem a whole lot sooner. There is a solution for everyone.  Here are a number of basic tips to get you started
Pay your priority debts first

Priority debts include council tax, TV license, fines, rent, mortgage, utilities bills, hire-purchase agreements, taxes and child maintenance.]]></description>
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		<title>Budgeting 101</title>
		<link>http://settlementmax.com/blog/budgeting-101/</link>
		<comments>http://settlementmax.com/blog/budgeting-101/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 23:17:53 +0000</pubDate>
		<dc:creator>Power User</dc:creator>
				<category><![CDATA[Tips]]></category>
		<category><![CDATA[101]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[paperwork]]></category>
		<category><![CDATA[payslips]]></category>
		<category><![CDATA[settlement]]></category>
		<category><![CDATA[Settlementmax]]></category>
		<category><![CDATA[spreadsheet]]></category>
		<category><![CDATA[top 5]]></category>

		<guid isPermaLink="false">http://settlementmax.com/blog/?p=363</guid>
		<description><![CDATA[1. Pull together your paperwork Rounding up and managing one&#8217;s paperwork is the dullest aspect of budgeting.  Without a grip on your paperwork, you have no power over your personal finances. So, get this task out of the way quickly by gathering together all of your statements, payslips and so on. 2. Set up a spreadsheet Set [...]]]></description>
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