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	<title>Wealth Virtues Journal &#187; Credit and Debt</title>
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	<link>http://www.wealthvirtues.com/journal</link>
	<description>Improve Your Self, Improve Your Wealth</description>
	<lastBuildDate>Sun, 22 Jan 2012 20:55:07 +0000</lastBuildDate>
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		<title>How to Suck it up and Eliminate Credit Card Debt (Unless You Want to Retire Broke)</title>
		<link>http://www.wealthvirtues.com/journal/2012/01/11/how-to-suck-it-up-and-eliminate-credit-card-debt-unless-you-want-to-retire-broke/</link>
		<comments>http://www.wealthvirtues.com/journal/2012/01/11/how-to-suck-it-up-and-eliminate-credit-card-debt-unless-you-want-to-retire-broke/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 00:30:54 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[Franklin's Virtues: A Way to Wealth]]></category>
		<category><![CDATA[401K]]></category>
		<category><![CDATA[creating wealth]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[eliminate debt]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Humility]]></category>
		<category><![CDATA[Resolution]]></category>
		<category><![CDATA[Tranquility]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=639</guid>
		<description><![CDATA[The key is to change the way you think and your behavior. Start with practicing the virtues of Benjamin Franklin and apply them to your finances.  Wealth Virtues will help you do this.  ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Will Credit Card Reform Really Help the Consumer? Consumers Need to Help Themselves</title>
		<link>http://www.wealthvirtues.com/journal/2010/02/24/will-credit-card-reform-really-help-the-consumer-consumers-need-to-help-themselves/</link>
		<comments>http://www.wealthvirtues.com/journal/2010/02/24/will-credit-card-reform-really-help-the-consumer-consumers-need-to-help-themselves/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 23:15:32 +0000</pubDate>
		<dc:creator>James Ward</dc:creator>
				<category><![CDATA[Credit and Debt]]></category>
		<category><![CDATA[accountability]]></category>
		<category><![CDATA[consequence]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card reform]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Justice]]></category>

		<guid isPermaLink="false">http://www.wealthvirtues.com/journal/?p=165</guid>
		<description><![CDATA[Now before you start feeling victorious over those big nasty Wall Street cigar smoking fat cats, consider that the banks who issued credit cards have had to write off over $35 Billion in bad debt last year. Where will they look to recoup the loss?]]></description>
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