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	<title>Comments on: How I Effectively Use Credit Cards</title>
	<link>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/</link>
	<description>The Official Self Help &#038; Personal Development Blog for INeedMotivation.com by Frederic Premji</description>
	<pubDate>Mon, 01 Dec 2008 23:26:33 +0000</pubDate>
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		<title>By: 5 Tips To Avoid Paying Bank Fees</title>
		<link>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-6061</link>
		<dc:creator>5 Tips To Avoid Paying Bank Fees</dc:creator>
		<pubDate>Thu, 07 Aug 2008 20:33:43 +0000</pubDate>
		<guid>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-6061</guid>
		<description>[...] you buy, you already have the money for in your bank account. You might want to read up my article How I Effectively Use Credit Cards, it will show you how you can benefit from credit card usage while saving you money and gaining [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] you buy, you already have the money for in your bank account. You might want to read up my article How I Effectively Use Credit Cards, it will show you how you can benefit from credit card usage while saving you money and gaining [&#8230;]</p>
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		<title>By: debt consolidation</title>
		<link>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4664</link>
		<dc:creator>debt consolidation</dc:creator>
		<pubDate>Thu, 17 Jul 2008 05:06:49 +0000</pubDate>
		<guid>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4664</guid>
		<description>There are various financial services in the market that offer credit card debt management for people who are not able to manage their multiple credit card debts. Hopefully people can find the help they need to eliminate debt. Thanks for the info!</description>
		<content:encoded><![CDATA[<p>There are various financial services in the market that offer credit card debt management for people who are not able to manage their multiple credit card debts. Hopefully people can find the help they need to eliminate debt. Thanks for the info!</p>
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		<title>By: Frederic Premji</title>
		<link>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4573</link>
		<dc:creator>Frederic Premji</dc:creator>
		<pubDate>Mon, 14 Jul 2008 23:39:37 +0000</pubDate>
		<guid>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4573</guid>
		<description>That's it....once you change your philosophy that it's not free money because you pay later....it changes completely how you use the card and turns you from someone that pays interest to someone that can gain from using a credit card.</description>
		<content:encoded><![CDATA[<p>That&#8217;s it&#8230;.once you change your philosophy that it&#8217;s not free money because you pay later&#8230;.it changes completely how you use the card and turns you from someone that pays interest to someone that can gain from using a credit card.</p>
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		<title>By: Cathy</title>
		<link>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4571</link>
		<dc:creator>Cathy</dc:creator>
		<pubDate>Mon, 14 Jul 2008 22:57:59 +0000</pubDate>
		<guid>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4571</guid>
		<description>My philosphy is very simple if I do not have the cash in the bank to pay it off right away I do not charge..</description>
		<content:encoded><![CDATA[<p>My philosphy is very simple if I do not have the cash in the bank to pay it off right away I do not charge..</p>
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		<title>By: How I Effectively Use Credit Cards</title>
		<link>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4562</link>
		<dc:creator>How I Effectively Use Credit Cards</dc:creator>
		<pubDate>Mon, 14 Jul 2008 21:34:12 +0000</pubDate>
		<guid>http://www.ineedmotivation.com/blog/2008/07/how-i-effectively-use-credit-cards/#comment-4562</guid>
		<description>[...] Vic wrote an interesting post today onHere&#8217;s a quick excerpt [...]</description>
		<content:encoded><![CDATA[<p>[&#8230;] Vic wrote an interesting post today onHere&#8217;s a quick excerpt [&#8230;]</p>
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