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	<title>In God We Trust</title>
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	<description>Teaching You How to Get OUT of Debt and Live Debt-Free</description>
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		<title>Pay Your Bills On-Time</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/pay-your-bills-on-time/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/pay-your-bills-on-time/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 16:27:40 +0000</pubDate>
		<dc:creator>JohnL</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Discipline & Habits]]></category>
		<category><![CDATA[Recordkeeping]]></category>
		<category><![CDATA[late fees]]></category>
		<category><![CDATA[pay bills]]></category>
		<category><![CDATA[Stewardship]]></category>

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		<description><![CDATA[Sometimes it takes a few hits to your backside to get your attention. It did mine, that’s for sure. The Setting The other month, I signed up for a credit card from somebody – for the purpose of saving 15% or getting Free Shipping or some other some-such benefit. Gotta save where you can, right? [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>A New Look at To-Do Lists</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/a-new-look-at-to-do-lists/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/a-new-look-at-to-do-lists/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 15:45:18 +0000</pubDate>
		<dc:creator>JohnL</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Mental health]]></category>

		<guid isPermaLink="false">http://www.newvisionsministries.com/blog/ingodwetrust/?p=49</guid>
		<description><![CDATA[Many of us (not me, unfortunately) make a day productive by using a To-Do list in one form or another. Here is a To-Do list from around the Internet that builds character...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Legislation Limiting Credit Card Companies</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/legislation-limiting-credit-card-companies/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/legislation-limiting-credit-card-companies/#comments</comments>
		<pubDate>Fri, 22 May 2009 23:11:01 +0000</pubDate>
		<dc:creator>JohnL</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>

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		<description><![CDATA[This day, President Barack Obama signed legislation limiting how Credit Card companies can charge or change fees and conditions. It is hailed as a boon to the roughly half of Americans who hold $2.5 Trillion in Credit Card Debt&#8230; I vote for the consumer. Yahoo News reported: Obama made clear that he didn&#8217;t champion the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Financial Management for the Unemployed</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/financial-management-for-the-unemployed/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/financial-management-for-the-unemployed/#comments</comments>
		<pubDate>Sat, 11 Apr 2009 16:05:41 +0000</pubDate>
		<dc:creator>JohnL</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Discipline & Habits]]></category>
		<category><![CDATA[Stewardship]]></category>

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		<description><![CDATA[When you are unemployed, it is far more important to manage your financial life than ever before. You need to preserve what little income you have. You need to severely monitor and control your cash-outflows. You need to continue normal life functions. You need to find another job. This lesson addresses financial management and how [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What About My 401-k?</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/what-about-my-401-k/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/what-about-my-401-k/#comments</comments>
		<pubDate>Sun, 08 Mar 2009 23:54:39 +0000</pubDate>
		<dc:creator>JohnL</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.newvisionsministries.com/blog/ingodwetrust/?p=39</guid>
		<description><![CDATA[You would naturally think that in times of economic turmoil, especially with decliining and fluctuating stock markets, that it would be prudent to take a conservative attitude towards your 401-k or other retirement vehicles. You would be right. Conserve is the name of the game. Should I Sell My Stocks or Mutual Funds? To this [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Get Your Free Credit Reports</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/get-your-free-credit-reports/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/get-your-free-credit-reports/#comments</comments>
		<pubDate>Sun, 08 Mar 2009 01:08:49 +0000</pubDate>
		<dc:creator>JohnL</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Discipline & Habits]]></category>
		<category><![CDATA[Recordkeeping]]></category>

		<guid isPermaLink="false">http://www.newvisionsministries.com/blog/ingodwetrust/?p=32</guid>
		<description><![CDATA[Image via Wikipedia I am not a proponent of paying a lot of attention to my FICO Scores or Credit Reports. Since our goal is for you to get Out of Debt and to live Debt-free, spending too much time fretting over scores seems unproductive. That said, they are a great tool to use for [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Stuff Becomes Junk</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/stuff-becomes-junk/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/stuff-becomes-junk/#comments</comments>
		<pubDate>Thu, 08 Jan 2009 06:47:31 +0000</pubDate>
		<dc:creator>sandi</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Basics]]></category>
		<category><![CDATA[Discipline & Habits]]></category>
		<category><![CDATA[More Money]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.newvisionsministries.com/blog/ingodwetrust/stuff-becomes-junk/</guid>
		<description><![CDATA[by Sandi Actually, John was talking to me a few days ago and said, &#34;Eventually, stuff becomes junk.&#34;&#160; I&#8217;ve been giving a lot of thought to those words over the past few days, and it is such a true statement.&#160; Not willing to just mull it over myself, I have speculated with others. and no [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I&#8217;ve GOT to Get Organized!</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/ive-got-to-get-organized/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/ive-got-to-get-organized/#comments</comments>
		<pubDate>Sat, 03 Jan 2009 02:21:11 +0000</pubDate>
		<dc:creator>jll</dc:creator>
				<category><![CDATA[Discipline & Habits]]></category>
		<category><![CDATA[Recordkeeping]]></category>
		<category><![CDATA[bill storage]]></category>
		<category><![CDATA[check register]]></category>
		<category><![CDATA[organizing]]></category>

		<guid isPermaLink="false">http://www.newvisionsministries.com/blog/ingodwetrust/?p=27</guid>
		<description><![CDATA[It&#8217;s that time of year, again. Time to make Resolutions. No time to break them, but let&#8217;s make some good ones we can keep. Organizing your Financial life is easier than you think. You don&#8217;t need fancy software or organizers (although having them is helpful), just some basic tools. In our counseling, disorganized financial lives [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Christmas Peace and Joy to You All</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/christmas-peace-and-joy-to-you-all/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/christmas-peace-and-joy-to-you-all/#comments</comments>
		<pubDate>Wed, 24 Dec 2008 17:11:26 +0000</pubDate>
		<dc:creator>JohnL</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.newvisionsministries.com/blog/ingodwetrust/christmas-peace-and-joy-to-you-all/</guid>
		<description><![CDATA[Merry Christmas!&#160;&#160;&#160;&#160;&#160;&#160; The annual season of giving is upon us as we celebrate our Savior&#8217;s birth. I pray you and your family and friends get a full measure of Peace and Joy as each day passes. Christmas is one of the most universally stressful times of the year. Don&#8217;t get caught up in the race [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving Money</title>
		<link>http://www.newvisionsministries.com/blog/ingodwetrust/saving-money/</link>
		<comments>http://www.newvisionsministries.com/blog/ingodwetrust/saving-money/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 20:26:13 +0000</pubDate>
		<dc:creator>sandi</dc:creator>
				<category><![CDATA[Attitude]]></category>
		<category><![CDATA[Basics]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Discipline & Habits]]></category>
		<category><![CDATA[More Money]]></category>
		<category><![CDATA[Saving Money]]></category>

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		<description><![CDATA[Actually, saving money is much easier than making money, and the end results are even better.&#160; Consider this:&#160; You are shopping and see a shirt on sale.&#160; It&#8217;s not your best color, but you do have at least three pairs of pants it will go with, and the price is unbelievable.&#160; It was normally a [...]]]></description>
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