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	<title>Free Debt Management Program</title>
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	<link>http://www.freedebtmanagementprogram.com</link>
	<description>A Credit Card Debt Blogger&#039;s AKPK Free Debt Management Program Progress</description>
	<lastBuildDate>Thu, 04 Mar 2010 02:32:26 +0000</lastBuildDate>
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		<title>AKPK Debt Management Program Blogger&#8217;s Trip In Kuala Lumpur</title>
		<link>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-bloggers-trip-in-kuala-lumpur.html</link>
		<comments>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-bloggers-trip-in-kuala-lumpur.html#comments</comments>
		<pubDate>Thu, 04 Mar 2010 01:07:05 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[Spending / Expenses]]></category>
		<category><![CDATA[AKPK]]></category>
		<category><![CDATA[AKPK debt management program]]></category>
		<category><![CDATA[AKPK debt management program blogger]]></category>
		<category><![CDATA[bus fare]]></category>
		<category><![CDATA[spend money]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=2072</guid>
		<description><![CDATA[


Wow, I have been away from my AKPK debt management program&#8217;s progress blog for a while! February was long gone and March is here and will be here for a few more weeks.
Time flies, right? Christmas and Chinese New Year was like yesterday only and now it&#8217;s March the 4th.
After spending 3D 2N in Kuala [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Use A Personal Loan Or Debt Management Program To Pay Credit Card Debt?</title>
		<link>http://www.freedebtmanagementprogram.com/use-a-personal-loan-or-debt-management-program-to-pay-credit-card-debt.html</link>
		<comments>http://www.freedebtmanagementprogram.com/use-a-personal-loan-or-debt-management-program-to-pay-credit-card-debt.html#comments</comments>
		<pubDate>Sat, 27 Feb 2010 08:48:33 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[Debt Management Companies]]></category>
		<category><![CDATA[Debt Management Programs]]></category>
		<category><![CDATA[Questions & Answers]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit counseling agency]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[make small money]]></category>
		<category><![CDATA[monthly payments]]></category>
		<category><![CDATA[non-profit counseling agency]]></category>
		<category><![CDATA[pay off credit card debt]]></category>
		<category><![CDATA[personal loan]]></category>
		<category><![CDATA[stocks and bonds]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=2064</guid>
		<description><![CDATA[


Question: Should I use a personal loan or debt management program to pay off my credit card debt?
I have about $25,000 of debt but can still pay monthly payments on time and have never missed a payment. 
If I try to get a personal loan as opposed to a debt management program, which looks better [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/use-a-personal-loan-or-debt-management-program-to-pay-credit-card-debt.html/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Entering Into Credit Counseling With A Debt Management Program?</title>
		<link>http://www.freedebtmanagementprogram.com/entering-into-credit-counseling-with-a-debt-management-program.html</link>
		<comments>http://www.freedebtmanagementprogram.com/entering-into-credit-counseling-with-a-debt-management-program.html#comments</comments>
		<pubDate>Fri, 19 Feb 2010 08:40:17 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[Credit Counselors]]></category>
		<category><![CDATA[Debt Management Companies]]></category>
		<category><![CDATA[Debt Management Programs]]></category>
		<category><![CDATA[Questions & Answers]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[credit counseling company]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[minimum balance]]></category>
		<category><![CDATA[payment]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=2045</guid>
		<description><![CDATA[Question: Entering into credit counseling with a debt management program or &#8230; ?
I am entering into a debt management program with a credit counseling company. I have about $17,500 in debt and my payment with the company would be about $400 a month.  
My question is, would creditors be willing to accept 1/2 of [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/entering-into-credit-counseling-with-a-debt-management-program.html/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>AKPK Debt Management Program Blogger Says No To Chinese New Year</title>
		<link>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-blogger-says-no-to-chinese-new-year.html</link>
		<comments>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-blogger-says-no-to-chinese-new-year.html#comments</comments>
		<pubDate>Tue, 16 Feb 2010 13:10:57 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[AKPK Debt Management Plan]]></category>
		<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[Income Streams]]></category>
		<category><![CDATA[Spending / Expenses]]></category>
		<category><![CDATA[AKPK]]></category>
		<category><![CDATA[AKPK debt management program blogger]]></category>
		<category><![CDATA[Ang Pao]]></category>
		<category><![CDATA[Chinese New Year]]></category>
		<category><![CDATA[Chinese New Year goodies]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt management programme]]></category>
		<category><![CDATA[debt management programs]]></category>
		<category><![CDATA[extra money]]></category>
		<category><![CDATA[good dual income]]></category>
		<category><![CDATA[money giving]]></category>
		<category><![CDATA[money spending festival]]></category>
		<category><![CDATA[saving account]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=2030</guid>
		<description><![CDATA[


A few days before Chinese New Year, hubby asked me to watch the video clip of Namewee&#8217;s latest song.
It&#8217;s his Chinese New Year Song that some people, especially the elderly, may get offended. But not hubby and I. Hubby is in his early fifties and I, the AKPK debt management program blogger, am in my [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-blogger-says-no-to-chinese-new-year.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Any Advice On Entering A Debt Management Program?</title>
		<link>http://www.freedebtmanagementprogram.com/any-advice-on-entering-a-debt-management-program.html</link>
		<comments>http://www.freedebtmanagementprogram.com/any-advice-on-entering-a-debt-management-program.html#comments</comments>
		<pubDate>Mon, 15 Feb 2010 08:40:34 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[Debt Management Programs]]></category>
		<category><![CDATA[Questions & Answers]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt management programme]]></category>
		<category><![CDATA[debt relief solution]]></category>
		<category><![CDATA[paying down debt]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=2027</guid>
		<description><![CDATA[Question: Any advice on entering a debt management program?
I am considering entering a debt management programme because I am way over my head in credit card debt. 
I know it may not be the best debt relief solution but it seems I keep putting it off, getting no where paying down my debt.  
Does [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/any-advice-on-entering-a-debt-management-program.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>AKPK Debt Management Program Blogger, Please Count Your Blessings!</title>
		<link>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-blogger-please-count-your-blessings.html</link>
		<comments>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-blogger-please-count-your-blessings.html#comments</comments>
		<pubDate>Thu, 11 Feb 2010 10:22:59 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[AKPK DMP Blogger's Online Biz]]></category>
		<category><![CDATA[AKPK Debt Management Plan]]></category>
		<category><![CDATA[Auto Installment Loans]]></category>
		<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[Emergency Funds]]></category>
		<category><![CDATA[Home Installment Loans]]></category>
		<category><![CDATA[Income Streams]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Spending / Expenses]]></category>
		<category><![CDATA[Utility Bills / Phone Bills]]></category>
		<category><![CDATA[500 saving goal]]></category>
		<category><![CDATA[AKPK]]></category>
		<category><![CDATA[AKPK debt management program]]></category>
		<category><![CDATA[Ang Pao money]]></category>
		<category><![CDATA[auto and home loan installments]]></category>
		<category><![CDATA[bonus]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[debt management program blogger]]></category>
		<category><![CDATA[emergency fund]]></category>
		<category><![CDATA[extra money]]></category>
		<category><![CDATA[flat rental]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[lower monthly repayments]]></category>
		<category><![CDATA[money gift]]></category>
		<category><![CDATA[online tasks]]></category>
		<category><![CDATA[pay down credit card debt]]></category>
		<category><![CDATA[personal saving]]></category>
		<category><![CDATA[RM3]]></category>
		<category><![CDATA[salary raise]]></category>
		<category><![CDATA[saving account]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[utility bills]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=2005</guid>
		<description><![CDATA[How&#8217;s my savings going on? Well, sehr gut or very good. From RM1,500 when I mentioned it in December&#8217;s blog post, Thank God for AKPK Debt Management Program, Steady Income and Good Health, to RM3,000 now.  
An increase of RM1,500 in two months! Amazing, right? This has got to do with a sudden increase [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/akpk-debt-management-program-blogger-please-count-your-blessings.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Debt Management Program The Right Way To Go?</title>
		<link>http://www.freedebtmanagementprogram.com/is-debt-management-program-the-right-way-to-go.html</link>
		<comments>http://www.freedebtmanagementprogram.com/is-debt-management-program-the-right-way-to-go.html#comments</comments>
		<pubDate>Tue, 09 Feb 2010 06:28:24 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[Debt Management Companies]]></category>
		<category><![CDATA[Debt Management Programs]]></category>
		<category><![CDATA[Questions & Answers]]></category>
		<category><![CDATA[debt management agency]]></category>
		<category><![CDATA[debt management company]]></category>
		<category><![CDATA[debt management programs]]></category>
		<category><![CDATA[drowning in debt]]></category>
		<category><![CDATA[minimum monthly payments]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=1989</guid>
		<description><![CDATA[Question: Is debt management program the right way to go?
We are drowning in debt. So far we have managed to get our MINIMUM monthly payments out each month but we are getting no where.  
Would a debt management program be a good option for us? 
What exactly is a debt management program or debt [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/is-debt-management-program-the-right-way-to-go.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Can You Get A Home Equity Loan While In A Debt Management Program?</title>
		<link>http://www.freedebtmanagementprogram.com/can-you-get-a-home-equity-loan-while-in-a-debt-management-program.html</link>
		<comments>http://www.freedebtmanagementprogram.com/can-you-get-a-home-equity-loan-while-in-a-debt-management-program.html#comments</comments>
		<pubDate>Sat, 06 Feb 2010 06:23:34 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[Debt Management Programs]]></category>
		<category><![CDATA[Questions & Answers]]></category>
		<category><![CDATA[consolidate debt]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[DMP]]></category>
		<category><![CDATA[home equity loan]]></category>
		<category><![CDATA[home improvements]]></category>
		<category><![CDATA[vehicle loans]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=1966</guid>
		<description><![CDATA[Question: Can I get a home equity loan while in a debt management program?
I just entered a debt management program to get control over my credit card debts. I have done this separate from my husband so that only my credit is affected.  
Just after I entered into the program, my husband started showing [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/can-you-get-a-home-equity-loan-while-in-a-debt-management-program.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Thinking Of Losing Your House To A Foreclosure? Think Twice!</title>
		<link>http://www.freedebtmanagementprogram.com/thinking-of-losing-your-house-to-a-foreclosure-think-twice.html</link>
		<comments>http://www.freedebtmanagementprogram.com/thinking-of-losing-your-house-to-a-foreclosure-think-twice.html#comments</comments>
		<pubDate>Thu, 04 Feb 2010 01:11:41 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[AKPK Debt Management Plan]]></category>
		<category><![CDATA[Credit Card Debts]]></category>
		<category><![CDATA[Financial News & Updates]]></category>
		<category><![CDATA[Home Installment Loans]]></category>
		<category><![CDATA[AKPK]]></category>
		<category><![CDATA[AKPK free debt management program]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[deficiency judgment]]></category>
		<category><![CDATA[financial relief]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[losing house to foreclosure]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[short sale]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=1947</guid>
		<description><![CDATA[I used to think losing a house to foreclosure is a financial relief. Well, I was wrong! It is a relief only if there&#8217;s NO &#8220;deficiency judgment&#8221; or difference  between what you owed on your mortgage and what the bank sold it for at auction.
There was once upon a time when my credit card [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/thinking-of-losing-your-house-to-a-foreclosure-think-twice.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Make $300,000 Life Insurance Proceeds Last A Lifetime?</title>
		<link>http://www.freedebtmanagementprogram.com/how-to-make-300000-life-insurance-proceeds-last-a-lifetime.html</link>
		<comments>http://www.freedebtmanagementprogram.com/how-to-make-300000-life-insurance-proceeds-last-a-lifetime.html#comments</comments>
		<pubDate>Wed, 03 Feb 2010 07:41:42 +0000</pubDate>
		<dc:creator>Vedis the DMP Blogger</dc:creator>
				<category><![CDATA[Financial News & Updates]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Questions & Answers]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[$300000 life insurance proceeds]]></category>
		<category><![CDATA[expenses]]></category>
		<category><![CDATA[financial aspect]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[immediate annuity]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[lifetime income]]></category>
		<category><![CDATA[money topics]]></category>
		<category><![CDATA[retirement budget]]></category>
		<category><![CDATA[retirement fund]]></category>
		<category><![CDATA[retirement savings]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[tax]]></category>

		<guid isPermaLink="false">http://www.freedebtmanagementprogram.com/?p=1944</guid>
		<description><![CDATA[I think I, the AKPK DMP blogger, am taking my financial aspect more seriously now than ever. I find myself reading tax, insurance, home mortgage, retirement fund and a few money topics which I previously hated a lot.  
They still don&#8217;t interest me much, but I am doing my best to know more. Life [...]]]></description>
		<wfw:commentRss>http://www.freedebtmanagementprogram.com/how-to-make-300000-life-insurance-proceeds-last-a-lifetime.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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