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	<title>No Debt No Sweat</title>
	<link>http://nodebtnosweat.com</link>
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		<title>Beware of the Credit Card Minimum Payment Trap</title>
		<description><![CDATA[When it comes to credit cards—there’s an important topic to consider: the minimum payment trap. Millions of Americans think they’re doing just fine as long as they make the minimum payment each month. But, believe me, if that’s all you’re paying you’ve already [...]]]></description>
		<link>http://nodebtnosweat.com/2012/beware-of-the-credit-card-minimum-payment-trap/</link>
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		<title>Parents, Be the First to Apologize</title>
		<description><![CDATA[I speak fondly and gratefully about what Tom Brokaw called “The Greatest Generation.” These were the young people of the early forties who gave up their own youthful dreams and fought a world war. Their efforts are the basic reason German and Japanese [...]]]></description>
		<link>http://nodebtnosweat.com/2012/parents-be-the-first-to-apologize-2/</link>
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		<title>Avoid the Credit Card Sinkhole</title>
		<description><![CDATA[Having spoken to thousands of debt-ridden Americans, I’m convinced that credit cards are one of the most misused financial products in the country. I see more pain, sin, marital problems and mental illness due to credit card problems than any other single source. [...]]]></description>
		<link>http://nodebtnosweat.com/2012/avoid-the-credit-card-sinkhole/</link>
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		<title>Learn the Importance of Thrift</title>
		<description><![CDATA[I hesitate to mention this one. Not because it isn’t important—but because I can sense that many of you are already rolling your eyes and saying, “Which century does that guy come from?” Admittedly, I’m approaching the time of life when I can [...]]]></description>
		<link>http://nodebtnosweat.com/2012/learn-the-importance-of-thrift/</link>
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		<title>Treasure Interruptions</title>
		<description><![CDATA[86,400. That’s the number of seconds in one day. If you are like me, those are pretty full seconds. Most days I feel as if I’m on one of those Japanese bullet trains—flying past people and opportunities. Everything is a blur as I [...]]]></description>
		<link>http://nodebtnosweat.com/2012/treasure-interruptions/</link>
			</item>
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		<title>Embrace Change</title>
		<description><![CDATA[Life is too short to waste it worrying about change. Does change scare you? It scares most people. In the Retooled and Refueled Seminar, I speak about how much of my life I&#8217;ve spent trying to avoid change. I know psychologists have plenty [...]]]></description>
		<link>http://nodebtnosweat.com/2012/embrace-change/</link>
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		<title>Don&#8217;t Let Shame Over Past Financial Mistakes Hurt Your Future</title>
		<description><![CDATA[Here’s the good news: Your past does not have to dictate your future! As long as the devil can keep us believing that we are somehow mentally inferior to others, he wins. The reason I make such a strong point of all of [...]]]></description>
		<link>http://nodebtnosweat.com/2012/dont-let-shame-over-past-financial-mistakes-hurt-your-future/</link>
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		<title>Three Ways to Get it Right with Money</title>
		<description><![CDATA[As I travel this country presenting the No Debt No Sweat! Christian Money Management Seminar, I am sometimes overwhelmed by the way God’s kids seem to be in as much money trouble as our unsaved friends. Nationwide Christians are struggling to get it right [...]]]></description>
		<link>http://nodebtnosweat.com/2012/three-ways-to-get-it-right-with-money/</link>
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		<title>Money: The State of Affairs in Today’s World</title>
		<description><![CDATA[My goal is not to blow my own horn. I simply want to establish my credentials. Over the years I have spoken to live audiences on the subject of personal money management more than 1,500 times throughout America and Europe. In fact, I [...]]]></description>
		<link>http://nodebtnosweat.com/2012/money-the-state-of-affairs-in-today%e2%80%99s-world/</link>
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		<title>Money: Seeing the Eternal Through the Temporal</title>
		<description><![CDATA[I would submit that some of the financial difficulties our nation is experiencing may not necessarily be a bad thing. Most humans look up only when we have been sucker-punched and are lying on the floor flat on our backs. That’s when we [...]]]></description>
		<link>http://nodebtnosweat.com/2012/money-seeing-eternal-through-temporal/</link>
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		<title>Six Ways to Gain Control of Your Finances</title>
		<description><![CDATA[Frequently after a church has hosted one of my No Debt No Sweat! Christian Financial Management Seminars people are excited and ready to start their budgets (or, as I prefer to call it, their Personal Financial Freedom Plan). But, remember, good things usually [...]]]></description>
		<link>http://nodebtnosweat.com/2011/six-ways-to-gain-control-of-your-finances/</link>
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		<title>Credit Card Contracts: Financial Quicksand</title>
		<description><![CDATA[Are you ready for some bad news? Credit cards are getting even worse. That’s right, those little plastic cards are monsters in our pockets. Their marketers spend millions of dollars trying to convince us that credit cards are plastic prosperity. But for Americans [...]]]></description>
		<link>http://nodebtnosweat.com/2011/credit-card-contracts-financial-quicksand/</link>
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		<title>Have a Merry Christmas on a Budget</title>
		<description><![CDATA[Ho, Ho, Ho—oh, no! It’s almost Christmas. If you are like many American families, this has not been the best of years—financially speaking. If you have done well and saved—you’ve probably seen those savings plummet. If you’re more the norm, and really don’t [...]]]></description>
		<link>http://nodebtnosweat.com/2011/have-a-merry-christmas-on-a-budget/</link>
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		<title>Should My Offering Only Go to My Church?</title>
		<description><![CDATA[&#8216;Tis the season of giving, and with it comes questions of where to give, and how much to give. Of course, this dilemma spans more than just the holidays &#8212; opportunities for tithes and offerings present us with decisions all year. One of [...]]]></description>
		<link>http://nodebtnosweat.com/2011/should-my-offering-only-go-to-my-church/</link>
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		<title>5 Reasons to Avoid Gift Cards</title>
		<description><![CDATA[I recently did some research on gift cards for my weekly TV segment on the FOX morning show in Nashville, and I ran across a curious piece of data: This year there will be approximately 20 percent more people giving gift cards than [...]]]></description>
		<link>http://nodebtnosweat.com/2011/5-reasons-to-avoid-gift-cards/</link>
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