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	<title>Debt Free Hispanic &#124; Personal Finance Debt &#187; Credit Cards</title>
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	<link>http://www.debtfreehispanic.com</link>
	<description>Personal Finance Tips and Lessons Learned About Loans, Credit Cards, and The Freedom To Be Wealthy</description>
	<lastBuildDate>Fri, 16 Jul 2010 17:54:52 +0000</lastBuildDate>
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		<title>Debt Free Consumer</title>
		<link>http://www.debtfreehispanic.com/debt-free-consumer.html</link>
		<comments>http://www.debtfreehispanic.com/debt-free-consumer.html#comments</comments>
		<pubDate>Mon, 24 May 2010 21:31:45 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[Debt Free Consumer]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=816</guid>
		<description><![CDATA[There is a huge difference between a debt free consumer and a consumer in debt. Debt Free Consumer A debt free consumer is a person that makes purchases with money they have to spend. They know that the purchase is a part of their budget and so they feel good about their purchase. From a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Valentines Day Can Be Expensive</title>
		<link>http://www.debtfreehispanic.com/valentines-day-can-be-expensive.html</link>
		<comments>http://www.debtfreehispanic.com/valentines-day-can-be-expensive.html#comments</comments>
		<pubDate>Wed, 10 Feb 2010 20:14:16 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Economy]]></category>
		<category><![CDATA[valentines day]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=747</guid>
		<description><![CDATA[I don&#8217;t want to put a damper on Valentines Day because it is a special day. Many argue that every day should be special and that we should treat each other with love on a daily basis. Yes, that all sounds good but the day will still come and we either jump on board or [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/valentines-day-can-be-expensive.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Overcharged at Fast Food Restaurants</title>
		<link>http://www.debtfreehispanic.com/overcharged-at-fast-food-restaurants.html</link>
		<comments>http://www.debtfreehispanic.com/overcharged-at-fast-food-restaurants.html#comments</comments>
		<pubDate>Mon, 16 Nov 2009 16:37:42 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[extra charge]]></category>
		<category><![CDATA[overcharged]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=686</guid>
		<description><![CDATA[Have you ever been asked for your debit card a second time at a fast food restaurant? You know when you hand over your card to the person working at whatever restaurant you are ordering food at and they swipe it really fast and then hand it back to you. Personally I like it when [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/overcharged-at-fast-food-restaurants.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Minimum Wage Increase</title>
		<link>http://www.debtfreehispanic.com/minimum-wage-increase.html</link>
		<comments>http://www.debtfreehispanic.com/minimum-wage-increase.html#comments</comments>
		<pubDate>Tue, 14 Jul 2009 02:33:14 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[guaranteed minimum wage]]></category>
		<category><![CDATA[minimum wage]]></category>
		<category><![CDATA[minimum wage increase]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=606</guid>
		<description><![CDATA[The title should give you an idea of where this post is going. There is a problem in America and across the world with people making enough to get by. Some people are living at a poverty level and they don&#8217;t even know it. It could be worse for some if it wasn&#8217;t for laws [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/minimum-wage-increase.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Reducing Consumer Debt</title>
		<link>http://www.debtfreehispanic.com/reducing-consumer-debt.html</link>
		<comments>http://www.debtfreehispanic.com/reducing-consumer-debt.html#comments</comments>
		<pubDate>Fri, 12 Jun 2009 20:47:12 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[reducing debt]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=579</guid>
		<description><![CDATA[The best case scenario is always the hardest, paying off all your debt until you are debt free. For many consumers, reducing debt is out of the question. So many people are too busy paying their regular payments: mortgage, car, phone, cable, water, energy ect., that they forget or just do not want to pay [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/reducing-consumer-debt.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Long Term Credit Card Borrowing</title>
		<link>http://www.debtfreehispanic.com/long-term-credit-card-borrowing.html</link>
		<comments>http://www.debtfreehispanic.com/long-term-credit-card-borrowing.html#comments</comments>
		<pubDate>Wed, 29 Apr 2009 22:42:14 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[long term borrowing]]></category>
		<category><![CDATA[pawn shops]]></category>
		<category><![CDATA[pawnbroker]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=494</guid>
		<description><![CDATA[We all have friends that use credit cards and pay them off every month. But how many really do? Think about how easy it is to only get by making a minimum payment one or two months. The interest may only be but a few dollars, $5, $10, $20 of interest for the month. That [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Enterprise : do NOT pick me up</title>
		<link>http://www.debtfreehispanic.com/enterprise-do-not-pick-me-up.html</link>
		<comments>http://www.debtfreehispanic.com/enterprise-do-not-pick-me-up.html#comments</comments>
		<pubDate>Tue, 14 Apr 2009 15:04:25 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[enterprise]]></category>
		<category><![CDATA[van rental]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=473</guid>
		<description><![CDATA[Have you ever had a bad experience with a company and you thought to yourself, I am never going to do business with you again? You would rather pay more money elsewhere than to have to endure bad service and policies. Unfortunately I had that experience this weekend with the rental car company, Enterprise. This [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/enterprise-do-not-pick-me-up.html/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Credit Card Cash Advances</title>
		<link>http://www.debtfreehispanic.com/credit-card-cash-advances.html</link>
		<comments>http://www.debtfreehispanic.com/credit-card-cash-advances.html#comments</comments>
		<pubDate>Thu, 09 Apr 2009 23:02:52 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[cash advance]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[fast cash]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=464</guid>
		<description><![CDATA[Credit cards are the curse of the century. There are some features about credit cards that apparently are being used by consumers. Over 7 million people have used credit cards to get a cash advancement. This is one of the worse ways to acquire money. It is also the most expensive way to use cash. [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/credit-card-cash-advances.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get Rid of Spending</title>
		<link>http://www.debtfreehispanic.com/get-rid-of-spending.html</link>
		<comments>http://www.debtfreehispanic.com/get-rid-of-spending.html#comments</comments>
		<pubDate>Wed, 18 Feb 2009 17:44:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debit]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=398</guid>
		<description><![CDATA[The sentence “I cannot help but spending and getting everything that I want” is not acceptable. Getting involved with too many debts just because you keep on buying every single thing that you want, regardless of the price, is not forgivable. Who would want to drown him or herself with debts and get frustrated when [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/get-rid-of-spending.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cut Your Debt</title>
		<link>http://www.debtfreehispanic.com/cut-your-debt.html</link>
		<comments>http://www.debtfreehispanic.com/cut-your-debt.html#comments</comments>
		<pubDate>Fri, 12 Dec 2008 16:11:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[cut credit cards]]></category>
		<category><![CDATA[cut your debt]]></category>
		<category><![CDATA[cutting debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[reducing debt]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=337</guid>
		<description><![CDATA[Easier said than done. Ever heard that before?  People who say statements like that are negative and have the potential to always be in debt. Let me tell you something, there are a few situations that are going to be hard to get out of in your lifetime and being in debt is one of them. [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/cut-your-debt.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Holiday Shopping Frenzy on credit</title>
		<link>http://www.debtfreehispanic.com/holiday-shopping-frenzy-on-credit.html</link>
		<comments>http://www.debtfreehispanic.com/holiday-shopping-frenzy-on-credit.html#comments</comments>
		<pubDate>Mon, 01 Dec 2008 16:57:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[black friday]]></category>
		<category><![CDATA[holiday shopping]]></category>
		<category><![CDATA[shopping on credit]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=321</guid>
		<description><![CDATA[Isn&#8217;t it amazing how so many people go out and shop on Black Friday. The radio today announced that sales were up 3% on Black Friday compared to last year. Saturday and Sunday were down compared to last year. This past weekend made me think about all the flat screen HDTV&#8217;s and laptops that were [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/holiday-shopping-frenzy-on-credit.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation Loan Calculator</title>
		<link>http://www.debtfreehispanic.com/debt-consolidation-loan-calculator.html</link>
		<comments>http://www.debtfreehispanic.com/debt-consolidation-loan-calculator.html#comments</comments>
		<pubDate>Sun, 12 Oct 2008 15:20:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt calculator]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[debt consolidation loan calculator]]></category>
		<category><![CDATA[Debt Free]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=234</guid>
		<description><![CDATA[Are you looking to consolidate your debt? There are many ways to do this but i&#8217;m warning you, the best thing to do is to pay off your debts on your own. Debt consolidation is basically putting all your debt into one account. People usually hire a debt consolidation company to handle this procedure for [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/debt-consolidation-loan-calculator.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Help Reduction</title>
		<link>http://www.debtfreehispanic.com/debt-help-reduction.html</link>
		<comments>http://www.debtfreehispanic.com/debt-help-reduction.html#comments</comments>
		<pubDate>Thu, 02 Oct 2008 07:38:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[debt help reduction]]></category>
		<category><![CDATA[my debt]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=160</guid>
		<description><![CDATA[If you are contemplating bankruptcy, before you do so there are other options for you to take. Here are some ways to get yourself back in control of your debt. 1. Work with your bank. Its not unusual for people to tell their bank that they are getting behind on payments. You want to ask them [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/debt-help-reduction.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Limit</title>
		<link>http://www.debtfreehispanic.com/credit-card-limit.html</link>
		<comments>http://www.debtfreehispanic.com/credit-card-limit.html#comments</comments>
		<pubDate>Mon, 29 Sep 2008 07:46:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[cred limits]]></category>
		<category><![CDATA[credit card limit]]></category>
		<category><![CDATA[credit limit]]></category>
		<category><![CDATA[maxed out]]></category>
		<category><![CDATA[maxed out credit card]]></category>
		<category><![CDATA[maximum credit]]></category>
		<category><![CDATA[TOS]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=155</guid>
		<description><![CDATA[It&#8217;s a new day for banks everywhere. You can&#8217;t just ask for a certain amount to be on your credit card these days, you now how to be approved for a certain amount and that is not always guaranteed. When I had a credit card in college I remember having a $5oo limit. After two [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/credit-card-limit.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How To Use An Emergency Fund</title>
		<link>http://www.debtfreehispanic.com/how-to-use-an-emergency-fund.html</link>
		<comments>http://www.debtfreehispanic.com/how-to-use-an-emergency-fund.html#comments</comments>
		<pubDate>Fri, 26 Sep 2008 09:17:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[savings account]]></category>
		<category><![CDATA[savings fund]]></category>
		<category><![CDATA[wealth building]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=152</guid>
		<description><![CDATA[Emergency fund is a term people use when they are trying to get out of debt. It is smart to have a good amount of money aside that you consider for emergencies only. You should always have anywhere from $500 &#8211; $1,000 set aside for emergencies. Here are reasons to use your emergency fund. Vehicle [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/how-to-use-an-emergency-fund.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
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