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	<title>No Debt No Sweat</title>
	<link>http://nodebtnosweat.com</link>
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		<title>Scholarships: How to Avoid the &#8220;Gotcha&#8217;s&#8221;</title>
		<description><![CDATA[College and University Scholarships and Student Loans, Student Debt - Scholarships: How to Avoid the "Gotcha's"]]></description>
		<link>http://nodebtnosweat.com/2012/scholarships-how-to-avoid-the-gotchas/</link>
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		<title>Eat Your Problems for Breakfast</title>
		<description><![CDATA[Learn to Eat Your Problems for Breakfast with these Christian Life Skills. - Although the name of this article is inspired by a book title from twenty years ago, I still love that little phrase. One of the most human of all the things we do is try to avoid pain...]]></description>
		<link>http://nodebtnosweat.com/2012/eat-your-problems-for-breakfast-2/</link>
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		<title>Avoid Borrowing for Depreciating Assets</title>
		<description><![CDATA[Avoid Borrowing Money for Depreciating Assets to Improve Your Debt Problems. - For much of human history the very idea of buying something on credit that wasn’t essential and that would lose value over time was recognized as a loser’s game...]]></description>
		<link>http://nodebtnosweat.com/2012/avoid-borrowing-for-depreciating-assets/</link>
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		<title>Beware of the Credit Card Minimum Payment Trap</title>
		<description><![CDATA[Relieve Debt by Being Aware of the Credit Card Minimum Payment Trap - When it comes to credit cards—there’s an important topic to consider: the minimum payment trap...]]></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[Parents, be the first to apologize to your children when you are wrong. - 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...]]></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[Avoid the Dangers of the Credit Card Sink Hole and Get Out of Debt! - 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...]]></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[Get Out of Debt by Learning the Importance of Thrift. - 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...]]></description>
		<link>http://nodebtnosweat.com/2012/learn-the-importance-of-thrift/</link>
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		<title>Treasure Interruptions</title>
		<description><![CDATA[Avoid Treasure Interruptions and Focus on What is Important. - 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...]]></description>
		<link>http://nodebtnosweat.com/2012/treasure-interruptions/</link>
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		<title>Embrace Change</title>
		<description><![CDATA[Learn to Embrace Change to Transform Your Life and Finances. - 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...]]></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[Learn to Not Let Shame Over Past Financial Mistakes Hurt Your Finances - 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...]]></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[Get Out of Debt with Three Ways to Get it Right with Money - 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...]]></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[The State of Money and Financial Affairs in the World Today. - 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...]]></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[Seeing the Eternal Through the Temporal with our Finances. - 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...]]></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[Get Out of Debt with Six Ways to Gain Control of Your Finances - Frequently after a church has hosted one of my No Debt No Sweat! Christian Financial Management Seminars people are excited and ready to...]]></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 Credit Card Contracts Financial Quicksand? - 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...]]></description>
		<link>http://nodebtnosweat.com/2011/credit-card-contracts-financial-quicksand/</link>
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