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   <title>What&#39;s new on DebtSteps?</title>
   <link>http://www.debtsteps.com/debt-blog.html</link>
   <description>The latest additions, debt news and other related information about getting out of debt.</description>
   <language>en-us</language>
   <category >debt</category>
   <pubDate>Mon, 25 Jan 2010 14:07:47 GMT</pubDate>
   <lastBuildDate>Mon, 25 Jan 2010 14:07:47 GMT</lastBuildDate>
   <copyright>debtsteps.com</copyright>
   <item>
    <title>Reliable Debt Settlement Companies.</title>
    <link>http://www.debtsteps.com/reliable-debt-settlement-companies.html</link>
    <description>Find reliable debt settlement companies in your area and get a free online debt settlement quote for services to get your bills settled.</description>
    <pubDate>Mon, 25 Jan 2010 14:07:47 GMT</pubDate>
   </item>
   <item>
    <title>Energy saving ideas make sense with these 10 energy saving tips for home!</title>
    <link>http://www.debtsteps.com/energy-saving-ideas.html</link>
    <description>These 10 easy energy saving ideas can help in reducing heating and cooling costs as well as lowering costs for other utilities.  Implement just a few of these energy saving tips for home and save now!</description>
    <pubDate>Sun, 24 Jan 2010 14:43:16 GMT</pubDate>
   </item>
   <item>
    <title>Ten ways to cut expenses on Credit Cards, Mortgages, and Other Loans.</title>
    <link>http://www.debtsteps.com/ways-to-cut-expenses.html</link>
    <description>Finding ways to cut expenses on credit cards, mortgages and loans will free up extra cash for savings and fun.  Get the best bank loan interest rates, avoid payday loans and tempting credit card offers, and learn how to cut expenses on debt.  These ten tips will get you on the right track.</description>
    <pubDate>Wed, 30 Dec 2009 15:59:42 GMT</pubDate>
   </item>
   <item>
    <title>Top 10 Smart Money Tips for Banking: How to reduce bank fees!</title>
    <link>http://www.debtsteps.com/smart-money-tips.html</link>
    <description>Banking fees can add up quickly, but our top 10 smart money tips for banking will give you simple steps on how to reduce banking fees and decrease transaction costs.  It&#39;s your money; keep more of it for yourself.</description>
    <pubDate>Wed, 30 Dec 2009 15:58:43 GMT</pubDate>
   </item>
   <item>
    <title>10 tips to save gas.  More gas saving ideas for your budget!</title>
    <link>http://www.debtsteps.com/tips-to-save-gas.html</link>
    <description>Free tips to save gas! With these gas saving ideas, your bank account will be smiling in short order.  You may not know how to lower gas prices, but you can certainly cut your gasoline expenses with these tips.</description>
    <pubDate>Wed, 30 Dec 2009 15:39:34 GMT</pubDate>
   </item>
   <item>
    <title>Racing Checks to the Bank - bad credit choices</title>
    <link>http://www.debtsteps.com/racing-checks-to-the-bank-bad-credit-choices.html</link>
    <description>I used credit cards and cash advances to catch up some months that I had overspent because of poor financial choices (just had to have a large ticket</description>
    <pubDate>Mon, 21 Dec 2009 13:11:13 GMT</pubDate>
   </item>
   <item>
    <title>Young and was dumb...maxed out credit cards</title>
    <link>http://www.debtsteps.com/young-and-was-dumbmaxed-out-credit-cards.html</link>
    <description>I married my husband at 18. I decided I needed money like him so I applied for all kinds of credit cards, got them in the mail and just used them</description>
    <pubDate>Mon, 21 Dec 2009 13:09:35 GMT</pubDate>
   </item>
   <item>
    <title>Debt Settlement Help</title>
    <link>http://www.debtsteps.com/debt-settlement-help.html</link>
    <description>Hello:  I am hoping for some help.  I have an extremely large amount of credit card debt.  I do not wish to file bankruptcy.  I have made debt</description>
    <pubDate>Mon, 21 Dec 2009 13:08:00 GMT</pubDate>
   </item>
   <item>
    <title>Control debt collection actions and get debt relief.</title>
    <link>http://www.debtsteps.com/debt-collection.html</link>
    <description>Debt collection tips on how to handle debt collectors to get debt relief. Know your rights, and take control.</description>
    <pubDate>Thu, 17 Dec 2009 10:59:25 GMT</pubDate>
   </item>
   <item>
    <title>Introduction to Credit Cards, compare and apply online.</title>
    <link>http://www.debtsteps.com/introduction-to-credit-cards.html</link>
    <description>Our introduction to credit cards will help you compare credit cards, their offerings and find the right online application forms.</description>
    <pubDate>Wed, 02 Dec 2009 10:47:07 GMT</pubDate>
   </item>
   <item>
    <title>Debt income ratios explained. Debt management techniques using debt ratios.</title>
    <link>http://www.debtsteps.com/debt-income-ratios.html</link>
    <description>Learn how to calculate and use debt income ratios to get, or keep, your budget healthy. Free help with budgeting, debt relief, bill consolidation and more.</description>
    <pubDate>Sun, 22 Nov 2009 13:29:50 GMT</pubDate>
   </item>
   <item>
    <title>Free household budget form with automatic calculation of financial ratios.</title>
    <link>http://www.debtsteps.com/free-household-budget-form.html</link>
    <description>This free household budget form will automatically calculate totals and financial ratios. Know where you stand, make better financial decisions, and improve your credit rating when you use this personal budget form.</description>
    <pubDate>Sun, 22 Nov 2009 13:29:50 GMT</pubDate>
   </item>
   <item>
    <title>Debt management. Know your spending habits to get debt relief.</title>
    <link>http://www.debtsteps.com/debt-management.html</link>
    <description>Debt management can help you avoid debt traps. Learn how to identify your bad debt habits and get permanent debt relief.</description>
    <pubDate>Sun, 22 Nov 2009 13:29:49 GMT</pubDate>
   </item>
   <item>
    <title>Understanding the Credit to Debt Ratio.</title>
    <link>http://www.debtsteps.com/credit-to-debt-ratio.html</link>
    <description>If you know about the credit to debt ratio, you understand the relationship of closing credit card accounts and your FICO score.</description>
    <pubDate>Mon, 09 Nov 2009 10:08:59 GMT</pubDate>
   </item>
   <item>
    <title>Find mortgages and loans, even credit cards, to meet your needs, fast!</title>
    <link>http://www.debtsteps.com/mortgages-and-loans.html</link>
    <description>Mortgages and loans are at all time lows, let us help you find the mortgages and loans for debt consolidation, refinancing, home improvement, credit cards, and more.</description>
    <pubDate>Sat, 31 Oct 2009 13:15:37 GMT</pubDate>
   </item>
   <item>
    <title>Consolidate debts. Comparing debt consolidation options.</title>
    <link>http://www.debtsteps.com/consolidate-debts.html</link>
    <description>Consolidate debts, compare the choices, the pros and cons, loans, services, and counseling. Get the facts!</description>
    <pubDate>Fri, 30 Oct 2009 12:25:45 GMT</pubDate>
   </item>
   <item>
    <title>Consumer credit counseling provides help to get out of debt now!</title>
    <link>http://www.debtsteps.com/lmb.html</link>
    <description>Consumer credit counseling is the recognized leader in helping you get out of debt.</description>
    <pubDate>Wed, 28 Oct 2009 15:37:32 GMT</pubDate>
   </item>
   <item>
    <title>Get credit cards easily. Select the best credit card deals.</title>
    <link>http://www.debtsteps.com/get-credit-cards.html</link>
    <description>Getting the best credit card deals comes from due diligence and research on your part. Understand credit card features, cash back and points earned on credit card rewards programs before you apply.</description>
    <pubDate>Tue, 13 Oct 2009 17:35:00 GMT</pubDate>
   </item>
   <item>
    <title>Can Bankruptcy Stop Foreclosure?</title>
    <link>http://www.debtsteps.com/can-bankruptcy-stop-foreclosure.html</link>
    <description>How can bankruptcy stop foreclosure? People just like you are facing foreclosure and bankruptcy. learn the facts here before you take action.</description>
    <pubDate>Tue, 13 Oct 2009 16:17:55 GMT</pubDate>
   </item>
   <item>
    <title>Budgeting guidelines to keep your personal budget on track.</title>
    <link>http://www.debtsteps.com/budgeting-guidelines.html</link>
    <description>Use these simple budgeting guidelines in your personal budget for debt management.  Get out of debt, or stay out of debt, either way, you win!</description>
    <pubDate>Tue, 13 Oct 2009 15:49:24 GMT</pubDate>
   </item>
   <item>
    <title>Household budgeting money management for debt relief.</title>
    <link>http://www.debtsteps.com/budgeting.html</link>
    <description>Household budgeting helps you pay debt quickly and easily.  Learn the strategies you need for real debt relief now.</description>
    <pubDate>Tue, 13 Oct 2009 15:49:23 GMT</pubDate>
   </item>
   <item>
    <title>Debt settlement negotiations for debt relief.</title>
    <link>http://www.debtsteps.com/debt-settlement.html</link>
    <description>Use debt settlement negotiations to get out of debt. Find out how debt negotiations can get you fast debt relief.</description>
    <pubDate>Tue, 13 Oct 2009 15:48:41 GMT</pubDate>
   </item>
   <item>
    <title>Types of debt consolidation loans for debt relief.</title>
    <link>http://www.debtsteps.com/debt-consolidation-loans.html</link>
    <description>Debt consolidation loans, what they are, and how to use them to your advantage to get debt relief.</description>
    <pubDate>Tue, 13 Oct 2009 15:47:53 GMT</pubDate>
   </item>
   <item>
    <title>Free debt relief tips and articles.</title>
    <link>http://www.debtsteps.com/debt-relief-tips.html</link>
    <description>Browse free debt relief tips and articles to help you get back on financial track.</description>
    <pubDate>Tue, 13 Oct 2009 15:46:50 GMT</pubDate>
   </item>
   <item>
    <title>Consumer Credit Counseling, CCCS for debt relief.</title>
    <link>http://www.debtsteps.com/consumer-credit-counseling.html</link>
    <description>What Consumer Credit Counseling CCCS does, how they do it, where it stops. Credit and debt counseling under the microscope.</description>
    <pubDate>Tue, 13 Oct 2009 15:45:08 GMT</pubDate>
   </item>
   <item>
    <title>Free money management tutorials for debt elimination.</title>
    <link>http://www.debtsteps.com/money-management.html</link>
    <description>Sound money management skills provide the basic for free debt elimination.  Learn how to eliminate debt and acquire sound money management skills, absolutely free!</description>
    <pubDate>Tue, 13 Oct 2009 15:44:22 GMT</pubDate>
   </item>
   <item>
    <title>Make your savings work harder in the UK.</title>
    <link>http://www.debtsteps.com/savings-UK.html</link>
    <description>It&#39;s a great time to open a savings account - so why are so many of us failing to grasp the opportunity?</description>
    <pubDate>Tue, 13 Oct 2009 14:17:07 GMT</pubDate>
   </item>
   <item>
    <title>What&#39;s new on DebtSteps?</title>
    <link>http://www.debtsteps.com/debt-blog.html</link>
    <description>The latest additions, debt news and other related information about getting out of debt.</description>
    <pubDate>Tue, 13 Oct 2009 14:11:35 GMT</pubDate>
   </item>
   <item>
    <title>Finding mortgage loan for bad credit risks. Free tips.</title>
    <link>http://www.debtsteps.com/mortgage-loan-for-bad-credit.html</link>
    <description>Finding a mortgage loan for bad credit risks is possible.  Take advantage of these free tips to find your perfect debt consolidation mortgage now.</description>
    <pubDate>Tue, 13 Oct 2009 14:09:36 GMT</pubDate>
   </item>
   <item>
    <title>Debt relief steps, your free guide to debt help.</title>
    <link>http://www.debtsteps.com/index.html</link>
    <description>Debt relief steps are important, and lots of options are out there, get free help with comprehensive reviews of debt solutions so you can choose the right one for you.</description>
    <pubDate>Tue, 13 Oct 2009 14:05:06 GMT</pubDate>
   </item>
   <item>
    <title>DebtSteps.com Feedback and contact form.</title>
    <link>http://www.debtsteps.com/feedback.html</link>
    <description></description>
    <pubDate>Tue, 13 Oct 2009 14:03:32 GMT</pubDate>
   </item>
   <item>
    <title>Free credit repair tips to rebuild your credit right.</title>
    <link>http://www.debtsteps.com/credit-repair.html</link>
    <description>Credit repair can be done, but be sure you do it right. Finding a loan or credit card with bad credit isn&#39;t hard, getting a decent interest rate can be.  Find out what you need to do to repair your credit so you can qualify for loans and credit cards.</description>
    <pubDate>Tue, 13 Oct 2009 13:58:12 GMT</pubDate>
   </item>
   <item>
    <title>Using your online credit report for debt management.</title>
    <link>http://www.debtsteps.com/online-credit-report.html</link>
    <description>Your online credit report can help you protect your credit and get you on the way to debt relief.  Get the facts on debt management and your online credit report now.</description>
    <pubDate>Tue, 13 Oct 2009 13:55:55 GMT</pubDate>
   </item>
   <item>
    <title>Why Does A Credit Card Expire and How Do You Renew It?</title>
    <link>http://www.debtsteps.com/credit-card-expire.html</link>
    <description>Learn why a credit card expires, how to renew it and what to watch out for.</description>
    <pubDate>Tue, 13 Oct 2009 13:53:31 GMT</pubDate>
   </item>
   <item>
    <title>Learn About Credit Cards</title>
    <link>http://www.debtsteps.com/about-credit-cards-1.html</link>
    <description>Learning about credit cards, their offers, benefits, features and terms will help you to make an educated financial decision and get the best credit card rates.</description>
    <pubDate>Tue, 13 Oct 2009 13:52:13 GMT</pubDate>
   </item>
   <item>
    <title>Learn the bankruptcy facts and how they affect you.</title>
    <link>http://www.debtsteps.com/bankruptcy-facts.html</link>
    <description>Bankruptcy facts summarizes the Federal laws on the types, exemptions, and procedures for filing.</description>
    <pubDate>Tue, 13 Oct 2009 13:44:34 GMT</pubDate>
   </item>
   <item>
    <title>Personal finance value exchange resources.</title>
    <link>http://www.debtsteps.com/finance.html</link>
    <description>Personal finance resources to help cut costs and expenses from do-it-yourself banking, investing, real estate, and more.</description>
    <pubDate>Wed, 07 Oct 2009 13:52:33 GMT</pubDate>
   </item>
   <item>
    <title>Personal finance budget software for money management</title>
    <link>http://www.debtsteps.com/personal-finance-budget.html</link>
    <description>Personal finance budget software article to help you with money management.</description>
    <pubDate>Thu, 01 Oct 2009 13:12:37 GMT</pubDate>
   </item>
   <item>
    <title>Consumer credit counseling services and their fees.</title>
    <link>http://www.debtsteps.com/consumer-credit-counseling-services.html</link>
    <description>Consumer credit counseling services and debt consolidation companies and what debt consolidation will cost you for debt relief.</description>
    <pubDate>Sat, 25 Jul 2009 18:13:11 GMT</pubDate>
   </item>
   <item>
    <title>UK Mortgage Types</title>
    <link>http://www.debtsteps.com/UK-mortgage-types.html</link>
    <description>UK Mortgage types can be confusing, especially for first time home buyers. Simply follow these guidelines to make the easy choice.</description>
    <pubDate>Fri, 10 Jul 2009 12:43:26 GMT</pubDate>
   </item>
   <item>
    <title>Ways To Save Money</title>
    <link>http://www.debtsteps.com/ways-to-save-money-UK.html</link>
    <description>Simple ways to save money on everyday items, your mortgage and reduce stress.</description>
    <pubDate>Fri, 03 Jul 2009 12:32:44 GMT</pubDate>
   </item>
   <item>
    <title>Your Credit Score After Bankruptcy.</title>
    <link>http://www.debtsteps.com/credit-score-after-bankruptcy.html</link>
    <description>Ways for improving Credit Score After Bankruptcy because now is the time for you to overhaul your credit by developing good habits. Heres what to expect as you exit bankruptcy and tips for establishing credit after bankruptcy.</description>
    <pubDate>Thu, 30 Apr 2009 11:40:00 GMT</pubDate>
   </item>
   <item>
    <title>Declaring Personal Bankruptcy</title>
    <link>http://www.debtsteps.com/declaring-personal-bankruptcy.html</link>
    <description>Declaring personal bankruptcy  which type is right for you? There are two basic types of personal bankruptcy offered. Discover how to file for bankruptcy.</description>
    <pubDate>Thu, 30 Apr 2009 11:39:59 GMT</pubDate>
   </item>
   <item>
    <title>Bankruptcy and credit report - What happens to my credit report after bankruptcy?</title>
    <link>http://www.debtsteps.com/bankruptcy-and-credit-report.html</link>
    <description>Bankruptcy and credit report. Thinking about filing bankruptcy? Learn what happens to your credit report if you do&amp;#46;&amp;#46;&amp;#46;</description>
    <pubDate>Thu, 30 Apr 2009 11:39:58 GMT</pubDate>
   </item>
   <item>
    <title>Income Tax Filing Time, tips to help you prepare.</title>
    <link>http://www.debtsteps.com/income-tax-filing.html</link>
    <description>Prepare yourself, and your paperwork as income tax filing time is here. Learn where and how to file to save money, even filing online for free!.</description>
    <pubDate>Thu, 09 Apr 2009 14:04:40 GMT</pubDate>
   </item>
   <item>
    <title>Budgeting tip. What you can do in a money emergency.</title>
    <link>http://www.debtsteps.com/budgeting-tip.html</link>
    <description>Free budgeting tip on what to do in a money emergency.  Get fast cash when you need it, here&#39;s how!</description>
    <pubDate>Thu, 09 Apr 2009 14:02:54 GMT</pubDate>
   </item>
   <item>
    <title>Personal Loans UK</title>
    <link>http://www.debtsteps.com/personal-loans-UK.html</link>
    <description>Some people may find it hard to believe that anyone could be unwise enough to consider Personal Loans UK from a potentially violent, unregulated lender,withinterest rates of more than 100.</description>
    <pubDate>Tue, 17 Feb 2009 19:11:33 GMT</pubDate>
   </item>
   <item>
    <title>Need a personal loan for bad credit? Free tips and resources.</title>
    <link>http://www.debtsteps.com/personal-loan-for-bad-credit.html</link>
    <description>Need to get a personal loan for bad credit, debt consolidation credit card, signature loans to repay debts?  Find out what your options are now!</description>
    <pubDate>Wed, 04 Feb 2009 14:31:34 GMT</pubDate>
   </item>
   <item>
    <title>Debt Elimination Tip - Who&#39;s Guilty? Me?</title>
    <link>http://www.debtsteps.com/debt-elimination-tip.html</link>
    <description>This debt elimination tip can help save you loads of time and guilt.</description>
    <pubDate>Wed, 04 Feb 2009 14:30:43 GMT</pubDate>
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   <item>
    <title>Bridge Swing Loan</title>
    <link>http://www.debtsteps.com/bridge-swing-loan.html</link>
    <description>Using a bridge swing loan can bring about a successful close your real estate transaction when you are selling one home in order to buy another, without moving twice.</description>
    <pubDate>Thu, 22 Jan 2009 22:22:55 GMT</pubDate>
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