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	<title>latoyairby &#8211; Finance Globe</title>
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	<title>latoyairby &#8211; Finance Globe</title>
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		<title>How to Build a Good Credit Score Without Racking Up Credit Card Debt</title>
		<link>https://www.financeglobe.com/post/how-to-build-a-good-credit-score-without-racking-up-credit-card-debt/</link>
					<comments>https://www.financeglobe.com/post/how-to-build-a-good-credit-score-without-racking-up-credit-card-debt/#respond</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Mon, 10 Feb 2020 22:54:11 +0000</pubDate>
				<category><![CDATA[Credit and Debt]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2020/02/10/how-to-build-a-good-credit-score-without-racking-up-credit-card-debt/</guid>

					<description><![CDATA[Many people have made the mistake of thinking building a good credit score requires that you go into debt, but that&#8217;s not actually true. Unfortunately, charging up high balances in an attempt to build your credit score can backfire. If you ever fall behind on a payment or two, you can wind up with worse&#8230;&#160;<a href="https://www.financeglobe.com/post/how-to-build-a-good-credit-score-without-racking-up-credit-card-debt/" rel="bookmark"><span class="screen-reader-text">How to Build a Good Credit Score Without Racking Up Credit Card Debt</span></a>]]></description>
		
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		<title>How the 50/30/20 Budget Works</title>
		<link>https://www.financeglobe.com/post/how-the-50-30-20-budget-works/</link>
					<comments>https://www.financeglobe.com/post/how-the-50-30-20-budget-works/#respond</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Wed, 23 Oct 2019 23:20:40 +0000</pubDate>
				<category><![CDATA[Your Money]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/10/23/how-the-50-30-20-budget-works/</guid>

					<description><![CDATA[One of the hardest parts of creating a budget is figuring out how much money you should spend on all your expenses. What&#8217;s the right amount to spend on housing? Or transportation? Or entertainment? Having a guide to building a budget helps keep your spending in line. That&#8217;s one of the benefits of the 50/30/20&#8230;&#160;<a href="https://www.financeglobe.com/post/how-the-50-30-20-budget-works/" rel="bookmark"><span class="screen-reader-text">How the 50/30/20 Budget Works</span></a>]]></description>
		
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		<title>5 Ways to Simplify Your Finances</title>
		<link>https://www.financeglobe.com/post/5-ways-to-simplify/</link>
					<comments>https://www.financeglobe.com/post/5-ways-to-simplify/#comments</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Sun, 20 Oct 2019 22:51:11 +0000</pubDate>
				<category><![CDATA[Your Money]]></category>
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					<description><![CDATA[The more complicated your finances are, the harder it is to keep up with everything. You&#8217;ll spend more time and effort trying to manage complicated finances and the stress of dealing with your finances may cause you to procrastinate. Overly complicated finances could lead to more expensive mistakes like missing a payment or overdrafting your&#8230;&#160;<a href="https://www.financeglobe.com/post/5-ways-to-simplify/" rel="bookmark"><span class="screen-reader-text">5 Ways to Simplify Your Finances</span></a>]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
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		<title>Why The APR is the Most Important Factor In Borrowing</title>
		<link>https://www.financeglobe.com/post/why-the-apr-is-the-most-important-factor-in-borrowing/</link>
					<comments>https://www.financeglobe.com/post/why-the-apr-is-the-most-important-factor-in-borrowing/#comments</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Mon, 30 Sep 2019 23:35:05 +0000</pubDate>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Your Money]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/09/30/why-the-apr-is-the-most-important-factor-in-borrowing/</guid>

					<description><![CDATA[Many people choose credit cards and loans based on the features, benefits, or the monthly payment, but there&#8217;s a more important factor to consider &#8211; the APR. This number tells you how much you&#8217;re actually paying to borrow money. The higher the APR, or annual percentage rate, the more you&#8217;re paying when you borrow money.&#8230;&#160;<a href="https://www.financeglobe.com/post/why-the-apr-is-the-most-important-factor-in-borrowing/" rel="bookmark"><span class="screen-reader-text">Why The APR is the Most Important Factor In Borrowing</span></a>]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
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		<title>Five Tips for Budgeting a Fluctuating Income</title>
		<link>https://www.financeglobe.com/post/tips-for-budgeting-a-fluctuating-income/</link>
					<comments>https://www.financeglobe.com/post/tips-for-budgeting-a-fluctuating-income/#respond</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Wed, 25 Sep 2019 23:17:27 +0000</pubDate>
				<category><![CDATA[Your Money]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/09/25/tips-for-budgeting-a-fluctuating-income/</guid>

					<description><![CDATA[Coming up with a solid budget is tough even when you have a regular income from a job or business. Budgeting a fluctuating income can be even more difficult because you can&#8217;t be sure how much money you&#8217;re bringing in. In these situations, having a plan for to manage an unpredictable income becomes even more&#8230;&#160;<a href="https://www.financeglobe.com/post/tips-for-budgeting-a-fluctuating-income/" rel="bookmark"><span class="screen-reader-text">Five Tips for Budgeting a Fluctuating Income</span></a>]]></description>
		
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			<slash:comments>0</slash:comments>
		
		
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		<title>Getting Your Credit Back on Track After Bankruptcy</title>
		<link>https://www.financeglobe.com/post/getting-your-credit-bank-on-track-after-bankruptcy/</link>
					<comments>https://www.financeglobe.com/post/getting-your-credit-bank-on-track-after-bankruptcy/#comments</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Sat, 21 Sep 2019 23:40:24 +0000</pubDate>
				<category><![CDATA[Credit and Debt]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/09/21/getting-your-credit-bank-on-track-after-bankruptcy/</guid>

					<description><![CDATA[Filing bankruptcy can affect your credit more than almost anything else, but that doesn&#8217;t mean you should avoid bankruptcy if it&#8217;s the best solution to get your finances back on track. Bankruptcy can be the perfect opportunity to start over and rebuild your credit. Here&#8217;s how you can do it. Make sure your bankruptcy is&#8230;&#160;<a href="https://www.financeglobe.com/post/getting-your-credit-bank-on-track-after-bankruptcy/" rel="bookmark"><span class="screen-reader-text">Getting Your Credit Back on Track After Bankruptcy</span></a>]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
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		<title>Why Debt Collectors Check Your Credit Report</title>
		<link>https://www.financeglobe.com/post/why-debt-collectors-check-your-credit-report/</link>
					<comments>https://www.financeglobe.com/post/why-debt-collectors-check-your-credit-report/#comments</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Sat, 31 Aug 2019 23:40:57 +0000</pubDate>
				<category><![CDATA[Credit and Debt]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/08/31/why-debt-collectors-check-your-credit-report/</guid>

					<description><![CDATA[Debt collectors do several things to try and collect debts from you. If you&#8217;ve ever had an account in collections, then you&#8217;re already aware of the phone calls, letters, and placing the debt on your credit report. They also pull your credit report to get more information on you. Unlike most other businesses, debt collectors&#8230;&#160;<a href="https://www.financeglobe.com/post/why-debt-collectors-check-your-credit-report/" rel="bookmark"><span class="screen-reader-text">Why Debt Collectors Check Your Credit Report</span></a>]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
			</item>
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		<title>6 Signs You Don&#8217;t Need a Rewards Credit Card</title>
		<link>https://www.financeglobe.com/post/6-signs-you-don-t-need-a-rewards-credit-card/</link>
					<comments>https://www.financeglobe.com/post/6-signs-you-don-t-need-a-rewards-credit-card/#comments</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Wed, 28 Aug 2019 19:38:09 +0000</pubDate>
				<category><![CDATA[Credit Cards]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/08/28/6-signs-you-don-t-need-a-rewards-credit-card/</guid>

					<description><![CDATA[Rewards credit cards hard to resist. Credit card issuers are constantly improving their rewards programs, offering bigger signup bonuses and more opportunities to earn. Even if you&#8217;re not on the market for a new credit card, you may change your mind after seeing what many of the latest credit cards have to offer. As tempting&#8230;&#160;<a href="https://www.financeglobe.com/post/6-signs-you-don-t-need-a-rewards-credit-card/" rel="bookmark"><span class="screen-reader-text">6 Signs You Don&#8217;t Need a Rewards Credit Card</span></a>]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
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		<title>What Things Can Make Your Credit Score Drop</title>
		<link>https://www.financeglobe.com/post/what-things-can-make-your-credit-score-drop/</link>
					<comments>https://www.financeglobe.com/post/what-things-can-make-your-credit-score-drop/#comments</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Wed, 31 Jul 2019 23:03:43 +0000</pubDate>
				<category><![CDATA[Credit and Debt]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/07/31/what-things-can-make-your-credit-score-drop/</guid>

					<description><![CDATA[Your credit score is an important number to keep up with, especially if you have a major loan coming up. For example, if you&#8217;re planning to buy a house or car in the next few months, your credit score affects whether you&#8217;re approved for a loan and the terms. Your credit score also impacts whether&#8230;&#160;<a href="https://www.financeglobe.com/post/what-things-can-make-your-credit-score-drop/" rel="bookmark"><span class="screen-reader-text">What Things Can Make Your Credit Score Drop</span></a>]]></description>
		
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			<slash:comments>2</slash:comments>
		
		
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		<title>How Long is Debt Valid?</title>
		<link>https://www.financeglobe.com/post/how-long-is-debt-valid/</link>
					<comments>https://www.financeglobe.com/post/how-long-is-debt-valid/#comments</comments>
		
		<dc:creator><![CDATA[latoyairby]]></dc:creator>
		<pubDate>Mon, 29 Jul 2019 23:29:29 +0000</pubDate>
				<category><![CDATA[Credit and Debt]]></category>
		<guid isPermaLink="false">https://www.financeglobe.com/tools/2019/07/29/how-long-is-debt-valid/</guid>

					<description><![CDATA[If you&#8217;re dealing with multiple debts on your credit report or you&#8217;re getting calls and letters from debt collectors, you may wonder if the debt is still valid. Debts generally don&#8217;t &#8220;go away&#8221; just because they get older. However, older debts do reach a period where they should no longer affect you or your credit.&#8230;&#160;<a href="https://www.financeglobe.com/post/how-long-is-debt-valid/" rel="bookmark"><span class="screen-reader-text">How Long is Debt Valid?</span></a>]]></description>
		
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			<slash:comments>2</slash:comments>
		
		
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