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	<title>Debtoxify</title>
	<link>http://www.debtoxify.com</link>
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		<title>Debt Settlement</title>
		<description><![CDATA[I&#8217;ve been considering calling up our creditors to settle our debt. I&#8217;ve held off because I am afraid of how much it will negatively affect our credit scores, but I keep reading that credit scores should be the last thing on one&#8217;s mind when you&#8217;re as deep in debt as we are. Any personal experiences [...]]]></description>
		<link>http://www.debtoxify.com/2008/03/25/debt-settlement/</link>
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		<title>Watch Your W-4 Exemptions</title>
		<description><![CDATA[Remember my last post? The $7K that I owe? Turns out that my accountant was able to bring down what we owed for our federal taxes down to $1600 and increase our state refund to $2900. That means we are going to actually still have $1300 LEFT OVER. How he did it, I don&#8217;t know, [...]]]></description>
		<link>http://www.debtoxify.com/2008/03/20/watch-your-w-4-exemptions/</link>
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		<title>Like I Said: When it Rains, it Pours</title>
		<description><![CDATA[Got my taxes done and found out that I messed up on our W-4 exemptions. Big time. Basically we owe $7K. How in the world am I going to be able to come up with this by April 15?

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		<link>http://www.debtoxify.com/2008/03/16/like-i-said-when-it-rains-it-pours/</link>
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		<title>Credit Secrets Bible</title>
		<description><![CDATA[Has anyone ever tried the &#8220;adding good credit&#8221; technique? I did some research and everyone swears by it, but I&#8217;m wondering if anyone out there who has actually tried it can share if it helped or didn&#8217;t&#8230;

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		<link>http://www.debtoxify.com/2008/03/07/credit-secrets-bible/</link>
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		<title>Expiration</title>
		<description><![CDATA[Turns out that the answer to the question in my last post was predetermined by the Zales 12 months interest-free promotion that would be expiring on May 18, 2008. Time flew by so quickly; I had only been making the minimum payments and enjoying the finance-charge-free bills. I totally forgot about it. So, we still [...]]]></description>
		<link>http://www.debtoxify.com/2008/03/06/expiration/</link>
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		<title>High Interest vs. Low Balance</title>
		<description><![CDATA[Okay! I know it seems like I&#8217;ve forgotten about this blog, but I haven&#8217;t. I haven&#8217;t abandoned my mission to get out of debt this year. The time has finally come: I get paid tomorrow night and I will actually be able to put a good chunk of it to paying off my debt!
The past [...]]]></description>
		<link>http://www.debtoxify.com/2008/02/20/high-interest-vs-low-balance/</link>
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		<title>Still Catching Up</title>
		<description><![CDATA[We got paid today, but again, nothing will be able to go towards paying down any debt &#8212; justminimums still.
One of our cars decided to give us problems that totaled $400 to repair. And we just recently had to have it towed and repaired 2 months ago. Same symptoms and everything: check engine light and [...]]]></description>
		<link>http://www.debtoxify.com/2008/02/02/still-catching-up/</link>
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		<title>It&#8217;s Always Something</title>
		<description><![CDATA[If it seems like I haven&#8217;t started talking about how much debt I&#8217;ve paid off, it&#8217;s because I haven&#8217;t.  My emergency fund is back down to $8 due to a real bill that showed up unexpectedly. So the credit cards will just have to wait. I want to talk more about my discouragement and impatience [...]]]></description>
		<link>http://www.debtoxify.com/2008/01/23/its-always-something/</link>
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		<title>The Only Dumb Question Is the One You Don&#8217;t Ask</title>
		<description><![CDATA[I&#8217;ve read on a couple of debt-related blogs that it might pay to call up some of your credit card companies and simply ask for a lower interest rate. Could it really be that easy?
Last weekend, I spontaneously decided to try it. I told my husband to call the 800-number on the back of his [...]]]></description>
		<link>http://www.debtoxify.com/2008/01/21/the-only-dumb-question-is-the-one-you-dont-ask/</link>
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		<title>When it Rains it Pours</title>
		<description><![CDATA[I didn&#8217;t realize how long it&#8217;s been since I last posted something. I&#8217;ve been under a lot of stress over the past couple of days, and it&#8217;s not just over finances. Most of it has been over my health, more specifically, anxiety issues. I have a tendency to overstress myself by constantly worrying about things [...]]]></description>
		<link>http://www.debtoxify.com/2008/01/18/when-it-rains-it-pours/</link>
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