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	<title>Comments on: How I Live Without Using Credit Cards &#8211; My Simple System For Living On A Budget</title>
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	<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/</link>
	<description>Debt Reduction Rocks - We Are Living Debt Free!</description>
	<lastBuildDate>Sun, 21 Mar 2010 14:34:42 +0000</lastBuildDate>
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		<title>By: Sarah</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-2/#comment-198618</link>
		<dc:creator>Sarah</dc:creator>
		<pubDate>Mon, 15 Mar 2010 23:24:02 +0000</pubDate>
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		<description>Thanks for this! I&#039;m almost 18 and I want to start off my financial life well–without credit cards! But there is so little practical information out there on how to do this. This will definitely help me get started!</description>
		<content:encoded><![CDATA[<p>Thanks for this! I&#8217;m almost 18 and I want to start off my financial life well–without credit cards! But there is so little practical information out there on how to do this. This will definitely help me get started!</p>
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		<title>By: &#160; How To Break The Credit Card Habit&#160;by&#160;No Credit Needed</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-2/#comment-152734</link>
		<dc:creator>&#160; How To Break The Credit Card Habit&#160;by&#160;No Credit Needed</dc:creator>
		<pubDate>Thu, 19 Mar 2009 11:31:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-152734</guid>
		<description>[...] written about our system before, so I will not go into the details here.  Suffice to say, we have a system for managing our [...]</description>
		<content:encoded><![CDATA[<p>[...] written about our system before, so I will not go into the details here.  Suffice to say, we have a system for managing our [...]</p>
]]></content:encoded>
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		<title>By: From Overwhelmed To In Control - debthurt.com</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-149881</link>
		<dc:creator>From Overwhelmed To In Control - debthurt.com</dc:creator>
		<pubDate>Fri, 06 Mar 2009 20:02:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-149881</guid>
		<description>[...] are tired of your credit cards, or you feel that your credit card usage is out of control, it is possible to live without the silly things.  Personally, I think that everyone, during their debt reduction phase, should give up their [...]</description>
		<content:encoded><![CDATA[<p>[...] are tired of your credit cards, or you feel that your credit card usage is out of control, it is possible to live without the silly things.  Personally, I think that everyone, during their debt reduction phase, should give up their [...]</p>
]]></content:encoded>
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		<title>By: &#160; From Overwhelmed To In Control&#160;by&#160;No Credit Needed</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-149730</link>
		<dc:creator>&#160; From Overwhelmed To In Control&#160;by&#160;No Credit Needed</dc:creator>
		<pubDate>Thu, 05 Mar 2009 11:47:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-149730</guid>
		<description>[...] are tired of your credit cards, or you feel that your credit card usage is out of control, it is possible to live without the silly things.  Personally, I think that everyone, during their debt reduction phase, should give up their [...]</description>
		<content:encoded><![CDATA[<p>[...] are tired of your credit cards, or you feel that your credit card usage is out of control, it is possible to live without the silly things.  Personally, I think that everyone, during their debt reduction phase, should give up their [...]</p>
]]></content:encoded>
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		<title>By: nathanr&#124;ca &#187; Debit Cards vs. Credit Cards: Fees and Fraud Protection</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-143507</link>
		<dc:creator>nathanr&#124;ca &#187; Debit Cards vs. Credit Cards: Fees and Fraud Protection</dc:creator>
		<pubDate>Sat, 17 Jan 2009 21:42:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-143507</guid>
		<description>[...] financial experts suggest using debit cards instead of credit cards because in theory, you will spend less if you are only paying with money [...]</description>
		<content:encoded><![CDATA[<p>[...] financial experts suggest using debit cards instead of credit cards because in theory, you will spend less if you are only paying with money [...]</p>
]]></content:encoded>
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		<title>By: The Idealistic Investor &#187; Blog Archive &#187; Should You Declare Bankruptcy?</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-141086</link>
		<dc:creator>The Idealistic Investor &#187; Blog Archive &#187; Should You Declare Bankruptcy?</dc:creator>
		<pubDate>Sun, 28 Dec 2008 06:43:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-141086</guid>
		<description>[...] Stop borrowing. Cut up your credit cards. Yes, you can live without credit cards. Borrowing doesn&#8217;t save you from an emergency, it merely delays and compounds the emergency. [...]</description>
		<content:encoded><![CDATA[<p>[...] Stop borrowing. Cut up your credit cards. Yes, you can live without credit cards. Borrowing doesn&#8217;t save you from an emergency, it merely delays and compounds the emergency. [...]</p>
]]></content:encoded>
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	<item>
		<title>By: &#160; How Do Credit Card Companies Calculate Minimum Monthly Payments?&#160;by&#160;No Credit Needed</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-137722</link>
		<dc:creator>&#160; How Do Credit Card Companies Calculate Minimum Monthly Payments?&#160;by&#160;No Credit Needed</dc:creator>
		<pubDate>Tue, 25 Nov 2008 03:55:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-137722</guid>
		<description>[...] Want a sure-fire way of never having to worry about anything your just read?  Live life without the silly things and be happy! [...]</description>
		<content:encoded><![CDATA[<p>[...] Want a sure-fire way of never having to worry about anything your just read?  Live life without the silly things and be happy! [...]</p>
]]></content:encoded>
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		<title>By: &#160; How I Live Without Borrowing Money&#160;by&#160;No Credit Needed</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-130489</link>
		<dc:creator>&#160; How I Live Without Borrowing Money&#160;by&#160;No Credit Needed</dc:creator>
		<pubDate>Thu, 02 Oct 2008 03:10:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-130489</guid>
		<description>[...] How I Live Without Credit Cards [...]</description>
		<content:encoded><![CDATA[<p>[...] How I Live Without Credit Cards [...]</p>
]]></content:encoded>
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	<item>
		<title>By: dennisS</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-127512</link>
		<dc:creator>dennisS</dc:creator>
		<pubDate>Tue, 02 Sep 2008 07:45:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-127512</guid>
		<description>In addition to the envelope system, I also have a savings account which I use as a &quot;line of credit.&quot; Amy money I take from this automatically becomes a bill which must be paid just as I do the lights, cable, insurance, etc. In essence, I have my own private credit card. In addition to any monthly payments, I also add  a set amount to it every paycheck so my &quot;credit line&quot; continually grows.  I have found it is a lot easier, and a lot less expensive to loan myself money than to get it from the credit card companies.</description>
		<content:encoded><![CDATA[<p>In addition to the envelope system, I also have a savings account which I use as a &#8220;line of credit.&#8221; Amy money I take from this automatically becomes a bill which must be paid just as I do the lights, cable, insurance, etc. In essence, I have my own private credit card. In addition to any monthly payments, I also add  a set amount to it every paycheck so my &#8220;credit line&#8221; continually grows.  I have found it is a lot easier, and a lot less expensive to loan myself money than to get it from the credit card companies.</p>
]]></content:encoded>
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		<title>By: Marketing Direct Mail Marketing Add Link</title>
		<link>http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/comment-page-1/#comment-126155</link>
		<dc:creator>Marketing Direct Mail Marketing Add Link</dc:creator>
		<pubDate>Sat, 23 Aug 2008 00:54:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/#comment-126155</guid>
		<description>&lt;strong&gt;Marketing Direct Mail Marketing Add Link...&lt;/strong&gt;

I didn&#039;t agree with you first, but last paragraph makes sense for me...</description>
		<content:encoded><![CDATA[<p><strong>Marketing Direct Mail Marketing Add Link&#8230;</strong></p>
<p>I didn&#8217;t agree with you first, but last paragraph makes sense for me&#8230;</p>
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