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	<title>Debt Free Hispanic &#124; Personal Finance Debt &#187; Million Dollar Advice</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>
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		<title>Money as a Tool</title>
		<link>http://www.debtfreehispanic.com/money-as-a-tool.html</link>
		<comments>http://www.debtfreehispanic.com/money-as-a-tool.html#comments</comments>
		<pubDate>Mon, 12 Apr 2010 23:11:34 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[extra income]]></category>
		<category><![CDATA[money tool]]></category>
		<category><![CDATA[wealth building]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=801</guid>
		<description><![CDATA[The more money you save the more opportunities you have in life. You pretty much open the doors for yourself. I like to think of money as a tool because we can create experiences with it. Some people use money to have a nice vehicle. What they really do is use their money to drive a [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Turning Coins into Cash</title>
		<link>http://www.debtfreehispanic.com/turning-coins-into-cash.html</link>
		<comments>http://www.debtfreehispanic.com/turning-coins-into-cash.html#comments</comments>
		<pubDate>Mon, 20 Apr 2009 16:40:05 +0000</pubDate>
		<dc:creator>Debt Free Hispanic</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[coinstar]]></category>
		<category><![CDATA[pennies]]></category>
		<category><![CDATA[penny]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=479</guid>
		<description><![CDATA[Recently, I wrote an article about turning change into cash and today I received an email that it was published on Huliq.com. It is probably easy to get an article on the site but I am still proud of it. The name of the article is Pennies add up to dollars. I must say that [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to get Free Clothes</title>
		<link>http://www.debtfreehispanic.com/how-to-get-free-clothes.html</link>
		<comments>http://www.debtfreehispanic.com/how-to-get-free-clothes.html#comments</comments>
		<pubDate>Wed, 11 Feb 2009 20:23:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[free clothes]]></category>
		<category><![CDATA[sell on ebay]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=392</guid>
		<description><![CDATA[Update to my experiment: The auctions on eBay ended and 1 of the 2 products sold. My profit was only $10. But that is half of what I spent on my new pair of pants. So I really got my pants half off. The products were two winter coats and since its not the winter anymore, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cashback Credit Card</title>
		<link>http://www.debtfreehispanic.com/cashback-credit-card.html</link>
		<comments>http://www.debtfreehispanic.com/cashback-credit-card.html#comments</comments>
		<pubDate>Sat, 20 Dec 2008 01:57:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Make Money Online]]></category>
		<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[Cashback Card]]></category>
		<category><![CDATA[Cashback Credit Card]]></category>
		<category><![CDATA[Cashback Credit Cards]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=344</guid>
		<description><![CDATA[At the end of the year people all over America receive a nice check from companies like American Express, VISA, Mastercard and other big credit card companies in various amounts. The reason they receive a check is because they had a cashback credit card that had a certain percentage that would pay them back for [...]]]></description>
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		<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>Selling Back Textbooks</title>
		<link>http://www.debtfreehispanic.com/selling-back-textbooks.html</link>
		<comments>http://www.debtfreehispanic.com/selling-back-textbooks.html#comments</comments>
		<pubDate>Sun, 16 Nov 2008 08:00:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[cheap textbooks]]></category>
		<category><![CDATA[make college money]]></category>
		<category><![CDATA[Sell back textbooks]]></category>
		<category><![CDATA[selling books]]></category>
		<category><![CDATA[textbooks for sale]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=295</guid>
		<description><![CDATA[Are you a student? Maybe a parent of a student and you are looking to ways to pay for textbooks. I know first hand how to make it through college without any debt. You see you may be able to receive financial aid but the funds will go straight to the financial aid office to be applied [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/selling-back-textbooks.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How I Never Pay Retail Prices</title>
		<link>http://www.debtfreehispanic.com/how-i-never-pay-retail-prices.html</link>
		<comments>http://www.debtfreehispanic.com/how-i-never-pay-retail-prices.html#comments</comments>
		<pubDate>Mon, 20 Oct 2008 08:12:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[cheap good]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[retail prices]]></category>
		<category><![CDATA[smart shopper]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=253</guid>
		<description><![CDATA[One thing that I never do because it just makes my stomach turn is pay full retail prices. So what do I do? I&#8217;m glad you asked because I was just going to tell you. I shop at stores that buy the clothes or merchandise that don&#8217;t sell or are out of season. The best [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/how-i-never-pay-retail-prices.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How to Pay Yourself First Then Bills</title>
		<link>http://www.debtfreehispanic.com/pay-yourself-first.html</link>
		<comments>http://www.debtfreehispanic.com/pay-yourself-first.html#comments</comments>
		<pubDate>Wed, 15 Oct 2008 08:00:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[pay yourself first]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[saving cash]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=238</guid>
		<description><![CDATA[Anybody who is wealthy will tell you that certain steps need to be in place as you walk along your financial journey. The most important step of all is knowing how to pay yourself first then bills. Everybody who works will receive a paycheck and the first thing that people should do is pay themselves first. Only [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/pay-yourself-first.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>4 Things Rich People Do to Become Rich</title>
		<link>http://www.debtfreehispanic.com/4-things-rich-people-do-to-become-rich.html</link>
		<comments>http://www.debtfreehispanic.com/4-things-rich-people-do-to-become-rich.html#comments</comments>
		<pubDate>Sun, 14 Sep 2008 14:04:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[becoming rich]]></category>
		<category><![CDATA[rich people]]></category>
		<category><![CDATA[things rich people do]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/?p=132</guid>
		<description><![CDATA[There are four ways that will certainly allow someone to reach their goal of becoming rich. First remember, whatever vehicle you choose to reach your goal there is always plenty for everyone. Second the old cliché is true, if your mind can conceive it, you can achieve it. Third you must have faith and that [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/4-things-rich-people-do-to-become-rich.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Let Your Car Own You</title>
		<link>http://www.debtfreehispanic.com/dont-let-your-car-own-you.html</link>
		<comments>http://www.debtfreehispanic.com/dont-let-your-car-own-you.html#comments</comments>
		<pubDate>Fri, 25 Jul 2008 19:25:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/%postname&#038;/</guid>
		<description><![CDATA[Too many people today view their car as their status symbol. A nice car means a successful person, while an older car means one has no money. Remember, anyone can get a nice car if they make the stupid decision to get a loan with it. You are not wealthier by having a nice car [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/dont-let-your-car-own-you.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>7 Surefire Ways To Stay Poor</title>
		<link>http://www.debtfreehispanic.com/7-surefire-ways-to-stay-poor.html</link>
		<comments>http://www.debtfreehispanic.com/7-surefire-ways-to-stay-poor.html#comments</comments>
		<pubDate>Thu, 17 Jul 2008 18:13:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Million Dollar Advice]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/%postname&#038;/</guid>
		<description><![CDATA[By Liz Pulliam Weston In trying to unscramble a friend&#8217;s finances, I noticed she was making a fat car payment. I knew she drove a clunker, so I couldn&#8217;t figure out why she was paying so much. Her previous car had needed a $2,000 repair, she told me. She had no savings or room on [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/7-surefire-ways-to-stay-poor.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>This For That Mentality</title>
		<link>http://www.debtfreehispanic.com/this-for-that-mentality.html</link>
		<comments>http://www.debtfreehispanic.com/this-for-that-mentality.html#comments</comments>
		<pubDate>Wed, 02 Jul 2008 23:33:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Million Dollar Advice]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/%postname&#038;/</guid>
		<description><![CDATA[When you decide you are going to get out of debt you must also establish a this for that mentality. The concept is very simple. First you have to decide if what you are about to purchase is a want or a necesity. If its a necesity than you must purchase only enough for what [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/this-for-that-mentality.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Free Graduate</title>
		<link>http://www.debtfreehispanic.com/debt-free-graduate.html</link>
		<comments>http://www.debtfreehispanic.com/debt-free-graduate.html#comments</comments>
		<pubDate>Sun, 18 May 2008 14:29:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Million Dollar Advice]]></category>
		<category><![CDATA[debt free graduate]]></category>
		<category><![CDATA[paying tuition cash]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/%postname&#038;/</guid>
		<description><![CDATA[On May 15, 2008, Fabian, Debt Free Hispanic, also became known as Debt Free Graduate. As I look back at my academic career I realize that graduating without debt is possible. I attended a private University and still graduated debt free. How did I do it? I worked and I worked some more and I [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/debt-free-graduate.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Why not Be THE MAN</title>
		<link>http://www.debtfreehispanic.com/why-not-be-the-man.html</link>
		<comments>http://www.debtfreehispanic.com/why-not-be-the-man.html#comments</comments>
		<pubDate>Sun, 27 Apr 2008 02:42:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Million Dollar Advice]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/%postname&#038;/</guid>
		<description><![CDATA[Have you heard the saying, &#8220;The man keeps me down&#8221;. When people cannot get ahead they often say that &#8220;The Man&#8221; is keeping them down, holding them back or standing in their way. You know what I say to that, Become the Man. If the man keeps you down, Become the man so that you [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/why-not-be-the-man.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Stop Spending : Draw a Line in the Sand</title>
		<link>http://www.debtfreehispanic.com/stop-spending-draw-a-line-in-the-sand.html</link>
		<comments>http://www.debtfreehispanic.com/stop-spending-draw-a-line-in-the-sand.html#comments</comments>
		<pubDate>Thu, 24 Apr 2008 13:48:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[Million Dollar Advice]]></category>

		<guid isPermaLink="false">http://www.debtfreehispanic.com/%postname&#038;/</guid>
		<description><![CDATA[One of the hardest things you will ever have to do to get out of debt is to stop spending. I don&#8217;t know why spending is so important, maybe its because of the emotional rush. People tend to feel good when they are in stores spending money, but it doesn&#8217;t last long. The other day [...]]]></description>
		<wfw:commentRss>http://www.debtfreehispanic.com/stop-spending-draw-a-line-in-the-sand.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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