<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd"
xmlns:rawvoice="http://www.rawvoice.com/rawvoiceRssModule/"

	xmlns:media="http://search.yahoo.com/mrss/"
	>

<channel>
	<title>Living In Financial Excellence &#187; Beating Debt</title>
	<atom:link href="http://financialexcellence.net/category/personal-finance/beating-debt/feed/" rel="self" type="application/rss+xml" />
	<link>http://financialexcellence.net</link>
	<description>Normal is Broke and in Debt. Choose to be WEIRD. Be DEBT FREE!</description>
	<lastBuildDate>Sun, 05 Feb 2012 03:54:57 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.3.1</generator>
<!-- podcast_generator="Blubrry PowerPress/2.0.4" -->
	<itunes:new-feed-url>http://feeds.feedburner.com/financialexcellence/XEgm</itunes:new-feed-url>
	<itunes:summary>Embracing Debt Free Living and Building Wealth the old fashioned way - by working hard and saving money! Tips and Tools for L.I.F.E. - Living In Financial Excellence</itunes:summary>
	<itunes:author>Matt Wegner</itunes:author>
	<itunes:explicit>clean</itunes:explicit>
	<itunes:image href="http://financialexcellence.net/podcast/PodcastCoverArt600x600.jpg" />
	<itunes:owner>
		<itunes:name>Matt Wegner</itunes:name>
		<itunes:email>matt@mattwegnercoaching.com</itunes:email>
	</itunes:owner>
	<managingEditor>matt@mattwegnercoaching.com (Matt Wegner)</managingEditor>
	<copyright>Copyright &#xA9;  2011 Financial Excellence, all rights reserved</copyright>
	<itunes:subtitle>Where L.I.F.E. and Money Come Together</itunes:subtitle>
	<itunes:keywords>money, financial freedom, career, small business, investing, budget, debt, free, credit, budgeting, business, finance</itunes:keywords>
	<image>
		<title>Living In Financial Excellence &#187; Beating Debt</title>
		<url>http://financialexcellence.net/wp-content/uploads/powerpress/Podcast_Cover_Art-217.jpg</url>
		<link>http://financialexcellence.net/category/personal-finance/beating-debt/</link>
	</image>
	<itunes:category text="Business" />
	<itunes:category text="Education" />
	<itunes:category text="Kids &amp; Family" />
		<rawvoice:rating>TV-G</rawvoice:rating>
		<rawvoice:location>Financial Excellence Studios, Sheboygan, WI</rawvoice:location>
		<rawvoice:frequency>Weekly</rawvoice:frequency>
		<item>
		<title>Can You Live Debt Free and Still Have Credit Cards?</title>
		<link>http://financialexcellence.net/can-you-live-debt-free-and-still-have-credit-cards/</link>
		<comments>http://financialexcellence.net/can-you-live-debt-free-and-still-have-credit-cards/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 06:03:24 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt elimination]]></category>
		<category><![CDATA[the truth about credit cards]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=44384</guid>
		<description><![CDATA[The debate on credit cards vs. all cash lifestyle Lately it seems like I end up in a lot of conversations about the use of credit cards and whether or not you should use them. In one corner, you have &#8230; <a class="more-link" href="http://financialexcellence.net/can-you-live-debt-free-and-still-have-credit-cards/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/can-you-live-debt-free-and-still-have-credit-cards/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/can-you-live-debt-free-and-still-have-credit-cards/feed/</wfw:commentRss>
		<slash:comments>20</slash:comments>
	The debate on credit cards vs. all cash lifestyle Lately it seems like I end up in a lot of conversations about the use of credit cards and whether or not you should use them. In one corner, you have &#8230; <a class="more-link" href="http://financialexcellence.net/can-you-live-debt-free-and-still-have-credit-cards/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/can-you-live-debt-free-and-still-have-credit-cards/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>Your Debt Free Date</title>
		<link>http://financialexcellence.net/your-debt-free-date/</link>
		<comments>http://financialexcellence.net/your-debt-free-date/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 06:29:07 +0000</pubDate>
		<dc:creator>Steve MoneyPlanSOS Stewart</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Debt Free Date]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[living debt free]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=44029</guid>
		<description><![CDATA[Whether you realize it or not, you already have a debt free date. Whether you are already on a plan to pay everything off or you aren&#8217;t even paying attention, you are already on a path to becoming debt free &#8230; <a class="more-link" href="http://financialexcellence.net/your-debt-free-date/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/your-debt-free-date/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/your-debt-free-date/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	Whether you realize it or not, you already have a debt free date. Whether you are already on a plan to pay everything off or you aren&#8217;t even paying attention, you are already on a path to becoming debt free &#8230; <a class="more-link" href="http://financialexcellence.net/your-debt-free-date/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/your-debt-free-date/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>Debt is Debt. Except When it Isn&#8217;t?</title>
		<link>http://financialexcellence.net/debt-is-debt-except-when-it-isnt/</link>
		<comments>http://financialexcellence.net/debt-is-debt-except-when-it-isnt/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 15:17:32 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[avoiding debt]]></category>
		<category><![CDATA[debt elimination]]></category>
		<category><![CDATA[good debt vs. bad debt]]></category>
		<category><![CDATA[keep the mortgage to invest]]></category>
		<category><![CDATA[mortgage debt]]></category>
		<category><![CDATA[paying cash for purchases]]></category>
		<category><![CDATA[paying off debt]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=43016</guid>
		<description><![CDATA[Debt is Debt no Matter How you Phrase It. I love how there are so many different ideas about debt. Some people say debt is bad. Some people say debt is good. Some people say debt is a tool. Some &#8230; <a class="more-link" href="http://financialexcellence.net/debt-is-debt-except-when-it-isnt/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/debt-is-debt-except-when-it-isnt/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/debt-is-debt-except-when-it-isnt/feed/</wfw:commentRss>
		<slash:comments>19</slash:comments>
	Debt is Debt no Matter How you Phrase It. I love how there are so many different ideas about debt. Some people say debt is bad. Some people say debt is good. Some people say debt is a tool. Some &#8230; <a class="more-link" href="http://financialexcellence.net/debt-is-debt-except-when-it-isnt/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/debt-is-debt-except-when-it-isnt/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>Winning With Money Part 1: Stop Digging</title>
		<link>http://financialexcellence.net/winning-with-money-part-1-stop-digging/</link>
		<comments>http://financialexcellence.net/winning-with-money-part-1-stop-digging/#comments</comments>
		<pubDate>Mon, 15 Aug 2011 21:12:36 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[can't dig your way out of a hole]]></category>
		<category><![CDATA[digging out of debt]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[how to dig your way out of debt]]></category>
		<category><![CDATA[winning with money]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=43595</guid>
		<description><![CDATA[In October 2010, a group of 33 miners were trapped 2,000 feet underground in Chile. They were stuck there for over two months before a rescue team was able to drill a new shaft to get them on an elevator ride out of the hole.

As I watched that situation unfold on the news, I noticed something interesting. <a class="more-link" href="http://financialexcellence.net/winning-with-money-part-1-stop-digging/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/winning-with-money-part-1-stop-digging/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/winning-with-money-part-1-stop-digging/feed/</wfw:commentRss>
		<slash:comments>24</slash:comments>
	In October 2010, a group of 33 miners were trapped 2,000 feet underground in Chile. They were stuck there for over two months before a rescue team was able to drill a new shaft to get them on an elevator ride out of the hole.

As I watched that situation unfold on the news, I noticed something interesting. <a class="more-link" href="http://financialexcellence.net/winning-with-money-part-1-stop-digging/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/winning-with-money-part-1-stop-digging/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>Apparently Nobody Likes a Quitter: My Debt Free Experience</title>
		<link>http://financialexcellence.net/apparently-nobody-likes-a-quitter-my-debt-free-experience/</link>
		<comments>http://financialexcellence.net/apparently-nobody-likes-a-quitter-my-debt-free-experience/#comments</comments>
		<pubDate>Fri, 29 Jul 2011 13:30:00 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Relationships & Money]]></category>
		<category><![CDATA[get out of debt]]></category>
		<category><![CDATA[leveraging your money]]></category>
		<category><![CDATA[living debt free]]></category>
		<category><![CDATA[pay off debt]]></category>
		<category><![CDATA[pay off your house]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=43472</guid>
		<description><![CDATA[Join the forum discussion on this postHow Quitting Debt Affected my Relationships Nobody likes a quitter. Winners never quit and quitters never win. I heard these expressions a lot growing up and I certainly agree with them for the most &#8230; <a class="more-link" href="http://financialexcellence.net/apparently-nobody-likes-a-quitter-my-debt-free-experience/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/apparently-nobody-likes-a-quitter-my-debt-free-experience/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/apparently-nobody-likes-a-quitter-my-debt-free-experience/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
	Join the forum discussion on this postHow Quitting Debt Affected my Relationships Nobody likes a quitter. Winners never quit and quitters never win. I heard these expressions a lot growing up and I certainly agree with them for the most &#8230; <a class="more-link" href="http://financialexcellence.net/apparently-nobody-likes-a-quitter-my-debt-free-experience/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/apparently-nobody-likes-a-quitter-my-debt-free-experience/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>I&#8217;m Working On My Debit Score</title>
		<link>http://financialexcellence.net/im-working-on-my-debit-score/</link>
		<comments>http://financialexcellence.net/im-working-on-my-debit-score/#comments</comments>
		<pubDate>Wed, 27 Jul 2011 14:52:06 +0000</pubDate>
		<dc:creator>Steve MoneyPlanSOS Stewart</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Money Myths]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[avoiding debt]]></category>
		<category><![CDATA[borrowing money]]></category>
		<category><![CDATA[components of a credit score]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[why you don't need a credit score]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=43445</guid>
		<description><![CDATA[I have a motto: “Say NO to FICO, I’m working on my DEBIT SCORE”. FICO is the company that collects consumer credit data.  They are in the business to sell this information to companies and offer to sell it to you with your “Credit &#8230; <a class="more-link" href="http://financialexcellence.net/im-working-on-my-debit-score/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/im-working-on-my-debit-score/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/im-working-on-my-debit-score/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	I have a motto: “Say NO to FICO, I’m working on my DEBIT SCORE”. FICO is the company that collects consumer credit data.  They are in the business to sell this information to companies and offer to sell it to you with your “Credit &#8230; <a class="more-link" href="http://financialexcellence.net/im-working-on-my-debit-score/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/im-working-on-my-debit-score/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>Are We a Free Nation … Really?</title>
		<link>http://financialexcellence.net/are-we-a-free-nation-%e2%80%a6-really/</link>
		<comments>http://financialexcellence.net/are-we-a-free-nation-%e2%80%a6-really/#comments</comments>
		<pubDate>Sun, 24 Jul 2011 13:37:08 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[financial coaching]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[paying off debt]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=43426</guid>
		<description><![CDATA[Matt&#8217;s note: This is a guest post by Sheri Geyer, a Certified Financial &#38; Life Coach at SimpleWisdomforLiving.com How do we spell freedom? Freedom can be the privilege of choosing what to say, when and where. It can be the &#8230; <a class="more-link" href="http://financialexcellence.net/are-we-a-free-nation-%e2%80%a6-really/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/are-we-a-free-nation-_e2_80_a6-really/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/are-we-a-free-nation-%e2%80%a6-really/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	Matt&#8217;s note: This is a guest post by Sheri Geyer, a Certified Financial &#38; Life Coach at SimpleWisdomforLiving.com How do we spell freedom? Freedom can be the privilege of choosing what to say, when and where. It can be the &#8230; <a class="more-link" href="http://financialexcellence.net/are-we-a-free-nation-%e2%80%a6-really/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/are-we-a-free-nation-_e2_80_a6-really/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>Why 0% Interest Isn&#8217;t Free Money</title>
		<link>http://financialexcellence.net/why-0-interest-isnt-free-money/</link>
		<comments>http://financialexcellence.net/why-0-interest-isnt-free-money/#comments</comments>
		<pubDate>Wed, 20 Jul 2011 14:00:00 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Frugal Tips]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[avoiding debt]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt free.]]></category>
		<category><![CDATA[interest free loans]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[money saving tip]]></category>
		<category><![CDATA[money saving tips]]></category>
		<category><![CDATA[no interest]]></category>
		<category><![CDATA[No payments]]></category>
		<category><![CDATA[Other People's Money]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=43365</guid>
		<description><![CDATA[No Interest Loans Still Cost You Plenty It seems like every day I hear someone talking about how they got a great deal on something because they got 0% financing. 0% means it’s free money, right? Well, it sounds like &#8230; <a class="more-link" href="http://financialexcellence.net/why-0-interest-isnt-free-money/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/why-0-interest-isnt-free-money/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/why-0-interest-isnt-free-money/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	No Interest Loans Still Cost You Plenty It seems like every day I hear someone talking about how they got a great deal on something because they got 0% financing. 0% means it’s free money, right? Well, it sounds like &#8230; <a class="more-link" href="http://financialexcellence.net/why-0-interest-isnt-free-money/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/why-0-interest-isnt-free-money/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>What are you Willing to Sacrifice to be Debt Free?</title>
		<link>http://financialexcellence.net/what-are-you-willing-to-sacrifice-to-be-debt-free/</link>
		<comments>http://financialexcellence.net/what-are-you-willing-to-sacrifice-to-be-debt-free/#comments</comments>
		<pubDate>Sat, 16 Jul 2011 14:45:38 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[beat debt]]></category>
		<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[sacrificing to reach goals]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=42973</guid>
		<description><![CDATA[Join the forum discussion on this post I was thinking a little about the process of eliminating your debt, and I know the speed at which you become debt free is directly related to your intensity. Basically, that means you &#8230; <a class="more-link" href="http://financialexcellence.net/what-are-you-willing-to-sacrifice-to-be-debt-free/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/what-are-you-willing-to-sacrifice-to-be-debt-free/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/what-are-you-willing-to-sacrifice-to-be-debt-free/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	Join the forum discussion on this post I was thinking a little about the process of eliminating your debt, and I know the speed at which you become debt free is directly related to your intensity. Basically, that means you &#8230; <a class="more-link" href="http://financialexcellence.net/what-are-you-willing-to-sacrifice-to-be-debt-free/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/what-are-you-willing-to-sacrifice-to-be-debt-free/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
		<item>
		<title>Higher Education Doesn’t Mean Higher Income</title>
		<link>http://financialexcellence.net/higher-education-doesnt-mean-higher-income/</link>
		<comments>http://financialexcellence.net/higher-education-doesnt-mean-higher-income/#comments</comments>
		<pubDate>Wed, 13 Jul 2011 14:41:12 +0000</pubDate>
		<dc:creator>Matt Wegner</dc:creator>
				<category><![CDATA[Beating Debt]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[college planning]]></category>
		<category><![CDATA[college savings]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://financialexcellence.net/?p=42999</guid>
		<description><![CDATA[A College Degree Won&#8217;t Guarantee Financial Success There are a lot of people these days heading back to school to get a higher education. I&#8217;ve talked to quite a few of them who are pursuing a college degree in an &#8230; <a class="more-link" href="http://financialexcellence.net/higher-education-doesnt-mean-higher-income/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/higher-education-doesnt-mean-higher-income/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://financialexcellence.net/higher-education-doesnt-mean-higher-income/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	A College Degree Won&#8217;t Guarantee Financial Success There are a lot of people these days heading back to school to get a higher education. I&#8217;ve talked to quite a few of them who are pursuing a college degree in an &#8230; <a class="more-link" href="http://financialexcellence.net/higher-education-doesnt-mean-higher-income/" onclick="pageTracker._trackPageview('/outgoing/financialexcellence.net/higher-education-doesnt-mean-higher-income/?referer=');">Continue reading <span class="meta-nav">&#8594;</span></a>
	</item>
	</channel>
</rss>

<!-- Served from: www.mattwegnercoaching.com @ 2012-02-07 08:04:04 by W3 Total Cache -->
