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	<title>Lifehacker Australia &#187; debt</title>
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	<description>tips and downloads to help you at work and play</description>
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		<title>Why Debt Relief Services Won&#8217;t Help With Debt Reduction</title>
		<link>http://www.lifehacker.com.au/2009/04/why-debt-relief-services-wont-help-with-debt-reduction/</link>
		<comments>http://www.lifehacker.com.au/2009/04/why-debt-relief-services-wont-help-with-debt-reduction/#comments</comments>
		<pubDate>Thu, 23 Apr 2009 03:05:29 +0000</pubDate>
		<dc:creator>Angus Kidman</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[au]]></category>
		<category><![CDATA[budgets]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[loaded]]></category>

		<guid isPermaLink="false">http://www.lifehacker.com.au/?p=333929</guid>
		<description><![CDATA[There are plenty of services offering to help get unmanageable debts under control, but a shadow shop by Choice suggests that most won&#8217;t offer an appropriate solution.
If you&#8217;re drowning in debts, then those online ads offering to help reduce your debt might seem tempting (even if they are endorsed with the phrase &#8220;As Seen On [...]]]></description>
		<wfw:commentRss>http://www.lifehacker.com.au/2009/04/why-debt-relief-services-wont-help-with-debt-reduction/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Emergency Fund Or Your Debt?</title>
		<link>http://www.lifehacker.com.au/2009/04/your-emergency-fund-or-your-debt/</link>
		<comments>http://www.lifehacker.com.au/2009/04/your-emergency-fund-or-your-debt/#comments</comments>
		<pubDate>Wed, 08 Apr 2009 17:30:00 +0000</pubDate>
		<dc:creator>Adam Pash</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.lifehacker.com.au/?p=333079</guid>
		<description><![CDATA[Almost everyone agrees that high-interest debt should be your main priority when allocating your extra cash, but in the midst of the recession, personal finance guru Suze Orman says emergency funds trump debt payback.
Photo by eric731.
If you have an unpaid credit card balance [and] not much saved up in emergency savings, I need you to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Use The Snowflake Method To Whittle Down Debt</title>
		<link>http://www.lifehacker.com.au/2009/04/use-the-snowflake-method-to-whittle-down-debt/</link>
		<comments>http://www.lifehacker.com.au/2009/04/use-the-snowflake-method-to-whittle-down-debt/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 19:00:00 +0000</pubDate>
		<dc:creator>Jason Fitzpatrick</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.lifehacker.com.au/?p=332959</guid>
		<description><![CDATA[If you&#8217;re looking to shave down your debt, the &#8220;snowflake&#8221; method helps you relentlessly whittle your debt away with prioritized micro-payments. 
Photo by active metabolite.
What is snowflaking? First a point of reference. &#8220;Snowballing&#8221; is a popular method of paying off debt championed by financial adviser Dave Ramsey, where the payments from debts you&#8217;ve finished paying [...]]]></description>
		<wfw:commentRss>http://www.lifehacker.com.au/2009/04/use-the-snowflake-method-to-whittle-down-debt/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Make Sure You&#8217;re Counting All Your Debts</title>
		<link>http://www.lifehacker.com.au/2009/03/make_sure_youre_counting_all_your_debts/</link>
		<comments>http://www.lifehacker.com.au/2009/03/make_sure_youre_counting_all_your_debts/#comments</comments>
		<pubDate>Thu, 26 Mar 2009 04:00:19 +0000</pubDate>
		<dc:creator>Angus Kidman</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[au]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[loaded]]></category>

		<guid isPermaLink="false">http://www.lifehacker.com.au/tips/2009/03/26/make_sure_youre_counting_all_your_debts.html</guid>
		<description><![CDATA[
For anyone trying to get their finances under control, identifying and then eliminating debts is a vital task. But are we always rigorous enough when we make that assessment?

I found myself going down this train of thought after checking out the latest quarterly figures from the Melbourne Institute on household savings and investments. Like the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tackle Your Debt with Micropayments</title>
		<link>http://www.lifehacker.com.au/2008/05/tackle_your_debt_with_micropayments-2/</link>
		<comments>http://www.lifehacker.com.au/2008/05/tackle_your_debt_with_micropayments-2/#comments</comments>
		<pubDate>Tue, 06 May 2008 21:00:00 +0000</pubDate>
		<dc:creator>Adam Pash</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.lifehacker.com.au/tips/2008/05/07/tackle_your_debt_with_micropayments-2.html</guid>
		<description><![CDATA[Anyone who&#8217;s dealt with significant debt knows how difficult it is to write out a large cheque every month to pay it off. Instead, financial weblog FiveCentNickel suggests paying off debt in micropayments:
In short, pay what you can afford, and then scrape together whatever else you can during the month and send in multiple, smaller [...]]]></description>
		<wfw:commentRss>http://www.lifehacker.com.au/2008/05/tackle_your_debt_with_micropayments-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Dealing With Debt Collectors</title>
		<link>http://www.lifehacker.com.au/2008/03/dealing_with_debt_collectors-2/</link>
		<comments>http://www.lifehacker.com.au/2008/03/dealing_with_debt_collectors-2/#comments</comments>
		<pubDate>Sat, 01 Mar 2008 18:00:52 +0000</pubDate>
		<dc:creator>Tamar Weinberg</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[how-to]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.lifehacker.com.au/tips/2008/03/02/dealing_with_debt_collectors-2.html</guid>
		<description><![CDATA[ Avoid the harassment and hassle from debt collectors by taking away their power.  Weblog Five Million Dots advises to divide your funds among entities you owe money to.  This reinforces the notion that you are aiming to follow up on your end of the deal.  Solidify that commitment by picking up [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to Climb Out of $35,000 in Debt</title>
		<link>http://www.lifehacker.com.au/2007/12/how_to_climb_out_of_35000_in_d/</link>
		<comments>http://www.lifehacker.com.au/2007/12/how_to_climb_out_of_35000_in_d/#comments</comments>
		<pubDate>Wed, 05 Dec 2007 16:00:30 +0000</pubDate>
		<dc:creator>Gina Trapani</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[goals]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[saving money]]></category>

		<guid isPermaLink="false">http://www.lifehacker.com.au/tips/2007/12/06/how_to_climb_out_of_35000_in_d.html</guid>
		<description><![CDATA[Personal finance writer J.D. Roth is walkin&#8217; the walk over at his site Get Rich Slowly, where he just celebrated eliminating $35,000 worth of debt.  That&#8217;s 35 THOUSAND DOLLARS, people.  It took him 20 three years of being committed to new habits, like setting goals, tracking every penny he spent, lowering expenses, and [...]]]></description>
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		<slash:comments>1</slash:comments>
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