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	<title>Total Debt Freedom</title>
	<link>http://blog.totaldebtfreedom.ca</link>
	<description>Avoid Bankruptcy – Live Totally Debt Free</description>
	<lastBuildDate>Mon, 17 Jun 2013 17:41:11 +0000</lastBuildDate>
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		<title>What is a Consumer Proposal?</title>
		<description><![CDATA[A consumer proposal is similar to debt settlement; you propose to settle your debt and if accepted you get out of debt for less than you owe.  However a consumer proposal is administered by a trustee in...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/06/what-is-a-consumer-proposal/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/06/what-is-a-consumer-proposal/</link>
			</item>
	<item>
		<title>Non Profit Credit Counselling, Are They The Good Guys?</title>
		<description><![CDATA[I&#8217;ve been vocal on credit counselling for some time now.  There are two camps on Credit Counselling.  Those that trust in it, and those that are critical. I lean more towards the critical camp; the services a...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/06/whats-up-with-non-profit-credit-counselling-are-they-the-good-guys/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/06/whats-up-with-non-profit-credit-counselling-are-they-the-good-guys/</link>
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		<title>5 Cheap Ideas For Fathers Day</title>
		<description><![CDATA[Men are really simple to please, we like good food, sports, horsepower, the outdoors and sex.  You don&#8217;t need to blow a fortune on us for fathers day, so here are 5 cheap ideas for you to...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/05/5-cheap-ideas-for-fathers-day/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/05/5-cheap-ideas-for-fathers-day/</link>
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		<title>Why Non-Profit Credit Counsellors Should Not Be Offering Debt Settlement.</title>
		<description><![CDATA[In December 2012, I placed a “mystery shopper” call by fluke to a non-profit credit counselling company.  The website is nomoredebts.org.  I was doing some research online on the keyword &#8220;debt settlement&#8221; and their advertisement...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/05/why-non-profit-credit-counsellors-should-not-be-offering-debt-settlement/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/05/why-non-profit-credit-counsellors-should-not-be-offering-debt-settlement/</link>
			</item>
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		<title>DEBT REDUCTION VS WEIGHT REDUCTION</title>
		<description><![CDATA[As I try to understand what our clients go through with settling their debts and the struggles that it takes, I look back to my own personal journey of losing weight and can see a...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/04/debt-reduction-vs-weight-reduction/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/04/debt-reduction-vs-weight-reduction/</link>
			</item>
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		<title>THE SPRING CLEAN</title>
		<description><![CDATA[Welcome to my favourite time of year, its spring cleaning time.  It is time to come out of your slumber, and get motivated.  I know for me this is the time when we go through...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/03/the-spring-clean/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/03/the-spring-clean/</link>
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		<title>IS IT TRULY A REWARD???</title>
		<description><![CDATA[What do you think about the rewards, or points systems attached to your credit cards?  Don’t you think that it is scary that these companies offer you points for spending money at a high interest...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/03/is-it-truly-a-reward/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/03/is-it-truly-a-reward/</link>
			</item>
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		<title>THE BLIND SIDE</title>
		<description><![CDATA[Hello again friends, I’m writing this week to share some new information that has been brought to my attention.  I was not aware that at anytime my credit card information can be sold to a...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/02/the-blind-side/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/02/the-blind-side/</link>
			</item>
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		<title>VALENTINE’S DAY</title>
		<description><![CDATA[Here we go again, it’s the day of love and appreciation for those people that have a loved one that is special to them.  It is the one of the most commercialized days next to...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/02/valentine%e2%80%99s-day/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/02/valentine%e2%80%99s-day/</link>
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		<title>Why Creditors Want You On Their Plan, And Not Our Plan</title>
		<description><![CDATA[Canadian banks are insanely profitable, in a recent episode titled “busting the banks” CBC Marketplace revealed how Canada’s 5 biggest banks, earned a record $28 BILLON in profit and how they make some of that...<br/><br/><a href="http://blog.totaldebtfreedom.ca/2013/02/why-banks-want-you-on-their-plan-and-not-our-plan/" class="continue-reading">Continue Reading</a>]]></description>
		<link>http://blog.totaldebtfreedom.ca/2013/02/why-banks-want-you-on-their-plan-and-not-our-plan/</link>
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