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	<title>Klingtocash &#187; Pay it off</title>
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	<description>Helping you keep more of it.</description>
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		<title>The return of layaway</title>
		<link>http://klingtocash.com/saving-money/the-return-of-layaway/</link>
		<comments>http://klingtocash.com/saving-money/the-return-of-layaway/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 04:38:08 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Bob's Discount Furniture]]></category>
		<category><![CDATA[Christmas club]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[GameStop]]></category>
		<category><![CDATA[KMart]]></category>
		<category><![CDATA[layaway]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[wal-mart]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=1040</guid>
		<description><![CDATA[Layaway is a concept that a lot of younger people are not familiar with. When credit cards became popular, layaway programs started to disappear until they had become extinct. I am pleased to see these programs have returned. Instead of using a credit card to pay for a purchase after making it, layaway allows you [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Occupy your own financial life</title>
		<link>http://klingtocash.com/getting-everything-you-deserve/occupy-your-own-financial-life/</link>
		<comments>http://klingtocash.com/getting-everything-you-deserve/occupy-your-own-financial-life/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 13:25:21 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Getting everything you deserve]]></category>
		<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=1027</guid>
		<description><![CDATA[One of the things I love about blogging is reading what others are writing about money. Carl Richards has a great post on his NYT blog called &#8220;It&#8217;s time to Occupy Your Checkbook.&#8221; While many people are focusing on the wrongs of the banking industry, big business and the government in the current financial mess, few [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Help! I need Tag Sale Tips</title>
		<link>http://klingtocash.com/planning-ahead/help-i-need-tag-sale-tips/</link>
		<comments>http://klingtocash.com/planning-ahead/help-i-need-tag-sale-tips/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 19:57:38 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Planning ahead]]></category>
		<category><![CDATA[Tag sale tips]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=522</guid>
		<description><![CDATA[I am having my first ever tag sale this weekend. I need to sell a lot of stuff and my neighbor is also participating. Everything will be clean and organized. Everything will be priced to sell. Clothing will be hung up and clean. We are putting the listing on craig&#8217;s list and we&#8217;ll have signs [...]]]></description>
		<wfw:commentRss>http://klingtocash.com/planning-ahead/help-i-need-tag-sale-tips/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Are you getting a bonus in July?</title>
		<link>http://klingtocash.com/getting-everything-you-deserve/are-you-getting-a-bonus-in-july/</link>
		<comments>http://klingtocash.com/getting-everything-you-deserve/are-you-getting-a-bonus-in-july/#comments</comments>
		<pubDate>Fri, 26 Jun 2009 12:00:32 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Getting everything you deserve]]></category>
		<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[bonus]]></category>
		<category><![CDATA[extra paycheck]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=359</guid>
		<description><![CDATA[When I do our budget, I always budget for two pay periods each month. My husband gets paid every two weeks. In July, he&#8217;ll have three pay periods. We look at this extra check as a bonus. If you get paid every two weeks, you might be seeing an extra check next month as well. [...]]]></description>
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		<slash:comments>4</slash:comments>
		</item>
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		<title>My husband&#8217;s interpretation of yesterday&#8217;s grocery experience</title>
		<link>http://klingtocash.com/pay-it-off/my-husbands-interpretation-of-yesterdays-grocery-experience/</link>
		<comments>http://klingtocash.com/pay-it-off/my-husbands-interpretation-of-yesterdays-grocery-experience/#comments</comments>
		<pubDate>Fri, 29 May 2009 23:21:24 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Just because]]></category>
		<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Jeff]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=301</guid>
		<description><![CDATA[There are two sides to every story. This is Jeff&#8217;s version of yesterday&#8217;s events: The Veteran and the Wife were trapped in the muddy trenches of some place she called the “Grocery Store.” The Veteran coolly slipped through the jungle maze of food and deals when he finally saw their opportunity to escape. However, his [...]]]></description>
		<wfw:commentRss>http://klingtocash.com/pay-it-off/my-husbands-interpretation-of-yesterdays-grocery-experience/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
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		<title>Have you attended Dave Ramsey&#8217;s FPU?</title>
		<link>http://klingtocash.com/getting-everything-you-deserve/have-you-attended-dave-ramseys-fpu/</link>
		<comments>http://klingtocash.com/getting-everything-you-deserve/have-you-attended-dave-ramseys-fpu/#comments</comments>
		<pubDate>Thu, 09 Apr 2009 15:55:19 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Getting everything you deserve]]></category>
		<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[financial workshops]]></category>
		<category><![CDATA[FPU]]></category>
		<category><![CDATA[paying down debt]]></category>
		<category><![CDATA[Total Money Makeover]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=201</guid>
		<description><![CDATA[Next week, I&#8217;m starting Dave Ramsey&#8217;s Financial Peace University at my church. It&#8217;s a 13-week financial course, two hours per week. I&#8217;m sure some of you are thinking Kristin, you&#8217;re a CPA. Why are you attending a financial course? I&#8217;ve read two of Dave&#8217;s books: The Total Money Makeover and Financial Peace Revisited. I loved [...]]]></description>
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		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Sundays are for&#8230; well, lots of different things</title>
		<link>http://klingtocash.com/being-cheap/sundays-are-for-well-lots-of-different-things/</link>
		<comments>http://klingtocash.com/being-cheap/sundays-are-for-well-lots-of-different-things/#comments</comments>
		<pubDate>Sun, 14 Dec 2008 18:05:18 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Being Cheap]]></category>
		<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Recipes]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[candy]]></category>
		<category><![CDATA[cookies]]></category>
		<category><![CDATA[credit limits]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[gifts]]></category>
		<category><![CDATA[homemade]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=81</guid>
		<description><![CDATA[I want to thank all my friends on Facebook for the many topic suggestions. I&#8217;ve got a lot of work ahead of me. You guys are the best. I&#8217;ve been getting a lot of reports regarding credit card credit limits. As I said in my post about changes in terms of service, make sure you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Watch out for changes to your credit card terms</title>
		<link>http://klingtocash.com/saving-money/watch-out-for-changes-to-your-credit-card-terms/</link>
		<comments>http://klingtocash.com/saving-money/watch-out-for-changes-to-your-credit-card-terms/#comments</comments>
		<pubDate>Tue, 25 Nov 2008 14:42:54 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[changing of terms]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=70</guid>
		<description><![CDATA[Yesterday, I got a letter from Citibank outlining changes to my credit card terms. I just about had a heart attack. Citibank wanted to change my interest rate to the LIBOR average (a rate banks use to lend money to each other) plus 21.99%. The new minimum rate on the card would be 24.99%. That&#8217;s [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Investing in your retirement and saving for your future</title>
		<link>http://klingtocash.com/getting-everything-you-deserve/investing-in-your-retirement-and-saving-for-your-future/</link>
		<comments>http://klingtocash.com/getting-everything-you-deserve/investing-in-your-retirement-and-saving-for-your-future/#comments</comments>
		<pubDate>Tue, 14 Oct 2008 18:13:49 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Getting everything you deserve]]></category>
		<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[Planning ahead]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=48</guid>
		<description><![CDATA[I&#8217;ve been watching the market, as I&#8217;m sure many of you have, wondering how low it will go.  The only money I have is in the market, since we are not in a position where we have excess money to invest. I am not a financial planner and my advice should not be relied upon [...]]]></description>
		<wfw:commentRss>http://klingtocash.com/getting-everything-you-deserve/investing-in-your-retirement-and-saving-for-your-future/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting out of debt</title>
		<link>http://klingtocash.com/pay-it-off/getting-out-of-debt/</link>
		<comments>http://klingtocash.com/pay-it-off/getting-out-of-debt/#comments</comments>
		<pubDate>Thu, 09 Oct 2008 18:50:31 +0000</pubDate>
		<dc:creator>Kristin</dc:creator>
				<category><![CDATA[Pay it off]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[payoff]]></category>
		<category><![CDATA[snowball method]]></category>

		<guid isPermaLink="false">http://klingtocash.com/?p=46</guid>
		<description><![CDATA[So far, we&#8217;ve discussed budgeting and tightening our belts. Now, it&#8217;s time to work on getting out of debt. There are a ton of different theories for paying off your debt and which debts to tackle first. Some say pay the one with with highest interest rate; some say pay the one with the smallest [...]]]></description>
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		<slash:comments>0</slash:comments>
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