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	<title>Be Debt Free</title>
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	<link>http://mydebtratio.com</link>
	<description>Debt Reduction &#124; Debt Management &#124; Debt Ratio &#124; Debt Consolidation</description>
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		<title>Can You Benefit From A Debt Relief Order</title>
		<link>http://mydebtratio.com/can-you-benefit-from-a-debt-relief-order/</link>
		<comments>http://mydebtratio.com/can-you-benefit-from-a-debt-relief-order/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 09:48:09 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[changes in law]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt relief order]]></category>
		<category><![CDATA[iva]]></category>
		<category><![CDATA[new debt service]]></category>

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		<description><![CDATA[The Debt Relief Order came into being in the UK on 6th April 2009. To qualify for a Debt Relief Order (DRO) you must be able to show the following
• Be unable to pay your debts;

Have unsecured debts of less than £15,000;
Have assets of less than £300;
Have surplus income of less than £50 per month, [...]


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		<title>House Refinancing Should I Do It Now?</title>
		<link>http://mydebtratio.com/house-refinancing-should-i-do-it-now/</link>
		<comments>http://mydebtratio.com/house-refinancing-should-i-do-it-now/#comments</comments>
		<pubDate>Sat, 07 Feb 2009 20:52:55 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[home refinancing]]></category>
		<category><![CDATA[closing costs]]></category>
		<category><![CDATA[home remortgage]]></category>
		<category><![CDATA[house refinancing]]></category>

		<guid isPermaLink="false">http://mydebtratio.com/?p=24</guid>
		<description><![CDATA[Man, at the moment I am sooooo tempted to look at house refinancing so that I can lower my mortgage rate. With interest rates are dropping like a stone, am I being a fool to consider remortgaging at attempting to take advantage of the lower rate. I don&#8217;t know if my credit history will stand [...]


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		<title>New Year Be Debt Free</title>
		<link>http://mydebtratio.com/new-year-be-debt-free/</link>
		<comments>http://mydebtratio.com/new-year-be-debt-free/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 00:06:21 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[be debt free]]></category>
		<category><![CDATA[citizens advice bureau]]></category>
		<category><![CDATA[debt reduction agency]]></category>
		<category><![CDATA[goals 2009]]></category>
		<category><![CDATA[insolvency]]></category>

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		<description><![CDATA[Is it your aim to start 2009 with no debts? Of perhaps you want to be debt free by the time it ends. This is a great resolution to have. Being debt free helps you to feel free. It&#8217;s a wonderful feeling to know that you don&#8217;t owe anyone any money. There are no creditors, [...]


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		<title>Don&#8217;t Ignore The Symptoms Of Debt</title>
		<link>http://mydebtratio.com/symptoms-of-debt/</link>
		<comments>http://mydebtratio.com/symptoms-of-debt/#comments</comments>
		<pubDate>Fri, 30 May 2008 10:26:34 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[debt elimination]]></category>
		<category><![CDATA[debt solutions]]></category>
		<category><![CDATA[ignoring debt]]></category>
		<category><![CDATA[planning]]></category>
		<category><![CDATA[problem debts]]></category>

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		<description><![CDATA[Just a quick one today to let you know that it is important that you don&#8217;t ignore the symptoms  that alert you to the fact that you have a debt problem. If you are to triumph in your debt reduction plan, you need to confront the problem head on and resolve the issues that [...]


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		<title>Personal Financial Budgets Are Boring as Hell</title>
		<link>http://mydebtratio.com/create-personal-budget/</link>
		<comments>http://mydebtratio.com/create-personal-budget/#comments</comments>
		<pubDate>Sun, 18 May 2008 19:43:34 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[contingency planning]]></category>
		<category><![CDATA[personal budget]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://mydebtratio.com/?p=8</guid>
		<description><![CDATA[Man, creating a personal budget is a truly boring job for those of us who hate doing things like working out figures, averages and such like. It is a very important part of our debt reduction strategy however,  to create a personal budget that gives a true reflection of the state of our finances.
Why [...]


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		<slash:comments>1</slash:comments>
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		<item>
		<title>Do You Spend More Than You Earn?</title>
		<link>http://mydebtratio.com/ways-to-pay-off-debt/</link>
		<comments>http://mydebtratio.com/ways-to-pay-off-debt/#comments</comments>
		<pubDate>Sat, 10 May 2008 00:19:16 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt free tips]]></category>
		<category><![CDATA[debt reduction strategy]]></category>
		<category><![CDATA[debt reduction tips]]></category>
		<category><![CDATA[debt spiral]]></category>
		<category><![CDATA[spend less]]></category>

		<guid isPermaLink="false">http://mydebtratio.com/?p=7</guid>
		<description><![CDATA[This site is all about finding ways to pay off debt so that you can maintain a stress free lifestyle without the worry of debt collectors sending you letters, ringing your phone or worse, knocking on your door. A surefire way to throw a huge spanner in the works and derail your debt reduction plan [...]


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		<title>How To Reduce Monthly Outgoings</title>
		<link>http://mydebtratio.com/debt-reduction-strategies/</link>
		<comments>http://mydebtratio.com/debt-reduction-strategies/#comments</comments>
		<pubDate>Sun, 04 May 2008 09:27:30 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt reduction strategy]]></category>
		<category><![CDATA[monthly outgoings]]></category>
		<category><![CDATA[tips]]></category>

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		<description><![CDATA[The most important step you can take to becoming debt free is to begin by reducing your monthly outgoings. This is an important step towards debt reduction, but you cannot do this without first knowing what your monthly outgoings are. So first things first you need to list all the things that you spend money [...]


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		<item>
		<title>It Is Important To Pay Off Debt</title>
		<link>http://mydebtratio.com/pay-off-debt/</link>
		<comments>http://mydebtratio.com/pay-off-debt/#comments</comments>
		<pubDate>Sun, 04 May 2008 08:58:45 +0000</pubDate>
		<dc:creator>Genivive</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt ratio]]></category>
		<category><![CDATA[eliminate debt]]></category>
		<category><![CDATA[pay off debt]]></category>

		<guid isPermaLink="false">http://mydebtratio.com/?p=3</guid>
		<description><![CDATA[Paying off debt is very important if you want to live a happy, healthy and stress free life. There is no better feeling than when you know that no one can call or write to you asking you for money that you owe them. Taking the right steps towards debt reduction will help you to [...]


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		<slash:comments>3</slash:comments>
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