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	<title>Comments on: The M-Network Series on Dave Ramsey&#8217;s 7 Baby Steps</title>
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	<description>Save Money @ BeingFrugal.Net</description>
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		<title>By: * Need Help With Debt, Where To Find Debt Advice I Can Trust?</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-22194</link>
		<dc:creator>* Need Help With Debt, Where To Find Debt Advice I Can Trust?</dc:creator>
		<pubDate>Sun, 31 Jan 2010 20:51:57 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-22194</guid>
		<description>[...] always like to follow Dave Ramsey&#8217;s advice when it comes to getting out of debt. Work hard on building up a small emergency fund, so you [...]</description>
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<p>[...] always like to follow Dave Ramsey&#8217;s advice when it comes to getting out of debt. Work hard on building up a small emergency fund, so you [...]</p>
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		<title>By: John</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-16277</link>
		<dc:creator>John</dc:creator>
		<pubDate>Fri, 24 Apr 2009 02:40:14 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-16277</guid>
		<description>I really enjoy the content of your blog, since I am a blog addict I shall return, lol</description>
		<content:encoded><![CDATA[<p>I really enjoy the content of your blog, since I am a blog addict I shall return, lol</p>
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		<title>By: Chris Hutcherson</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-11669</link>
		<dc:creator>Chris Hutcherson</dc:creator>
		<pubDate>Mon, 29 Sep 2008 20:13:49 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-11669</guid>
		<description>The biggest thing ever to help our family was reading Total Money Makeover by Dave Ramsey.  Not only did we cut our credit card bills in half each month, but we only took out half the amount of trash as we normal did, one can instead of two!  Amazing how far a little effort goes. :)</description>
		<content:encoded><![CDATA[<p>The biggest thing ever to help our family was reading Total Money Makeover by Dave Ramsey.  Not only did we cut our credit card bills in half each month, but we only took out half the amount of trash as we normal did, one can instead of two!  Amazing how far a little effort goes. :)</p>
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		<title>By: How to Get a Payday Loan (if you must) &#124; Smarter Money Management</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-9140</link>
		<dc:creator>How to Get a Payday Loan (if you must) &#124; Smarter Money Management</dc:creator>
		<pubDate>Thu, 12 Jun 2008 11:48:25 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-9140</guid>
		<description>[...] Dave Ramsey&#8217;s Baby Steps - Being Frugal, Dave Ramsey&#8217;s Baby Steps - I&#8217;ve Paid For This Twice [...]</description>
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<p>[...] Dave Ramsey&#8217;s Baby Steps &#8211; Being Frugal, Dave Ramsey&#8217;s Baby Steps &#8211; I&#8217;ve Paid For This Twice [...]</p>
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		<title>By: Dave Ramsey&#8217;s Baby Step 6: Pay Off Home Early &#124; Moolanomy</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5100</link>
		<dc:creator>Dave Ramsey&#8217;s Baby Step 6: Pay Off Home Early &#124; Moolanomy</dc:creator>
		<pubDate>Mon, 10 Mar 2008 22:46:25 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5100</guid>
		<description>[...] Wrap Up at Being Frugal and I&#8217;ve Paid For This Twice [...]</description>
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<p>[...] Wrap Up at Being Frugal and I&#8217;ve Paid For This Twice [...]</p>
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		<title>By: The Power of the Snowball &#124; One Caveman's Financial Journey</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5072</link>
		<dc:creator>The Power of the Snowball &#124; One Caveman's Financial Journey</dc:creator>
		<pubDate>Mon, 10 Mar 2008 15:37:43 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5072</guid>
		<description>[...] change. If you haven&#8217;t already done so, take a read through M-Network&#8217;s break-down of Dave Ramsey&#8217;s 7 Baby Steps (Baby Step #2 is paying off debt with the debt [...]</description>
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<p>[...] change. If you haven&#8217;t already done so, take a read through M-Network&#8217;s break-down of Dave Ramsey&#8217;s 7 Baby Steps (Baby Step #2 is paying off debt with the debt [...]</p>
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		<title>By: Sunday Morning Link Love ~ Clocks Forward Edition &#124; I've Paid For This Twice Already...</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5030</link>
		<dc:creator>Sunday Morning Link Love ~ Clocks Forward Edition &#124; I've Paid For This Twice Already...</dc:creator>
		<pubDate>Sun, 09 Mar 2008 15:24:40 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5030</guid>
		<description>[...] Frugal: The M-Network Series on Dave Ramsey&#8217;s Baby Steps. Lynnae wrote a great wrapup of the series highlighting a quote from each member&#8217;s post - [...]</description>
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<p>[...] Frugal: The M-Network Series on Dave Ramsey&#8217;s Baby Steps. Lynnae wrote a great wrapup of the series highlighting a quote from each member&#8217;s post &#8211; [...]</p>
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		<title>By: Share the love: What's your latest post about? - Wise Bread Forums</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5006</link>
		<dc:creator>Share the love: What's your latest post about? - Wise Bread Forums</dc:creator>
		<pubDate>Sat, 08 Mar 2008 07:14:50 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5006</guid>
		<description>[...] latest post is a wrap-up of the M-Network&#039;s group writing project on Dave Ramsey&#039;s Baby Steps.  __________________ Lynnae [...]</description>
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<p>[...] latest post is a wrap-up of the M-Network&#8217;s group writing project on Dave Ramsey&#8217;s Baby Steps.  __________________ Lynnae [...]</p>
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		<title>By: Dave Ramsey's Baby Steps</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5004</link>
		<dc:creator>Dave Ramsey's Baby Steps</dc:creator>
		<pubDate>Sat, 08 Mar 2008 02:46:22 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5004</guid>
		<description>[...] Dave Ramsey&#8217;s Baby Steps - Being Frugal, Dave Ramsey&#8217;s Baby Steps - I&#8217;ve Paid For This Twice Already.   [...]</description>
		<content:encoded><![CDATA[<div style="clear: both;margin: 3px 0px 10px 0px;padding: 10px 10px 10px 10px;width: 490px;background: #FFCCFF url(images/comment.gif) no-repeat top;">
<p>[...] Dave Ramsey&#8217;s Baby Steps &#8211; Being Frugal, Dave Ramsey&#8217;s Baby Steps &#8211; I&#8217;ve Paid For This Twice Already.   [...]</p>
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		<title>By: Dana</title>
		<link>http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5003</link>
		<dc:creator>Dana</dc:creator>
		<pubDate>Sat, 08 Mar 2008 01:39:52 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/2008/03/07/dave-ramsey-baby-steps-m-network/#comment-5003</guid>
		<description>I know the Debt Snowball generates controversy over interest rates, but Dave covers that in his book (I don&#039;t own it, but I&#039;ve checked out of the library).  He says he&#039;s aware of the interest rate issue, and that the reason he recommends paying debts off from smallest to largest is for the psychological payoff of having paid off debts.  And you know, for some people that is going to be really beneficial.

It&#039;s especially helpful when you don&#039;t have a lot of income, as in my situation.  My debt feels like a huge mountain with a really steep grade and you know, I&#039;m afraid of heights.  :)  Being able to say I paid anything off at all is a huge emotional charge and inspires me to go after the rest of it, sort of like how you tackle the smaller elevations before you go trying to climb Mount Everest.</description>
		<content:encoded><![CDATA[<p>I know the Debt Snowball generates controversy over interest rates, but Dave covers that in his book (I don&#8217;t own it, but I&#8217;ve checked out of the library).  He says he&#8217;s aware of the interest rate issue, and that the reason he recommends paying debts off from smallest to largest is for the psychological payoff of having paid off debts.  And you know, for some people that is going to be really beneficial.</p>
<p>It&#8217;s especially helpful when you don&#8217;t have a lot of income, as in my situation.  My debt feels like a huge mountain with a really steep grade and you know, I&#8217;m afraid of heights.  :)  Being able to say I paid anything off at all is a huge emotional charge and inspires me to go after the rest of it, sort of like how you tackle the smaller elevations before you go trying to climb Mount Everest.</p>
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