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	<title>David On Finance</title>
	<link>http://davidonfinance.com</link>
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		<title>Revisiting Expenses</title>
		<description><![CDATA[When I was first getting out of debt, I found many little ways to save bits of money here and there to put towards my debt payoff. At the time, I needed every extra cent. Frugality was the name of the game. Now, my perspective has shifted. I&#8217;m not desperate anymore, because I&#8217;m out from [...]]]></description>
		<link>http://davidonfinance.com/2010/02/07/revisiting-expenses/</link>
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		<title>Snowflaking Redux</title>
		<description><![CDATA[Now that my debt is paid off, I still find myself with a steady snowflaking income! I still make bits of money here and there, and have updated my Snowflaking Page to show some of the ways I&#8217;m doing it now. But since my revolving debt is gone, I&#8217;m now faced with some options

I could [...]]]></description>
		<link>http://davidonfinance.com/2010/01/29/snowflaking-redux/</link>
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		<title>Having a Baby! (On a Budget)</title>
		<description><![CDATA[Well, my wife and I just got the exciting news that we are going to have a baby this August! While we have a healthy fear about this, as the person responsible for our budget, I have a very real fear about how much this will cost. Put simply, babies are expensive! From the moment [...]]]></description>
		<link>http://davidonfinance.com/2010/01/19/having-a-baby-on-a-budget/</link>
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		<title>Investing With Purpose</title>
		<description><![CDATA[Recently, my life has become crowded. Being married, working, serving in church, trying to work on the side&#8230; it all adds up. It seems everyone I know is in this predicament. Too many things to do, only 24 hours per day. So, I have been discovering the brilliance of living by purpose. Put simply, this [...]]]></description>
		<link>http://davidonfinance.com/2009/12/01/investing-with-purpose/</link>
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		<title>Weak Dollar = Debt Payoff?</title>
		<description><![CDATA[Recently I have seen quite a few searches related to the weak dollar and debt payoff. I hope to give my perspective on this, and maybe a few more searchers will have what they are really looking for.
For those new to economics, a weak dollar is what it sounds like &#8211; weak. As a quick [...]]]></description>
		<link>http://davidonfinance.com/2009/09/21/weak-dollar-debt-payoff/</link>
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		<title>An update</title>
		<description><![CDATA[It has been awhile since I&#8217;ve posted, primarily because I have sorted out my financial issues. I have a few final months of payments to eradicate my remaining debt. Work has gotten better, and I&#8217;m up to about 80% salary, where I&#8217;ll be until I change jobs. I am now married and have moved to [...]]]></description>
		<link>http://davidonfinance.com/2009/09/15/an-update/</link>
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		<title>Weathering the Tough Times</title>
		<description><![CDATA[We got bad news at work last week. There&#8217;s an issue with cash flow, and our pay has to be cut in half for the next month, maybe two at most. While the economy is finally improving and we have work coming in, we&#8217;re simply out of money. Perils of a small business, I suppose. [...]]]></description>
		<link>http://davidonfinance.com/2009/04/10/weathering-the-tough-times/</link>
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		<title>Losing Weight (On a Budget)</title>
		<description><![CDATA[After reading the blog 344 Pounds, I noticed many similarities to myself. I am very obese, at 320 pounds, but thus far have been healthy, had good self-esteem, and generally had no good reason to lose weight. I have great blood pressure, cholesterol, and have no risk of diabetes or heart/liver condition. However, I have [...]]]></description>
		<link>http://davidonfinance.com/2009/03/09/losing-weight-on-a-budget/</link>
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		<title>A Macroeconomic Look at Credit Cards</title>
		<description><![CDATA[Ok, if you&#8217;re reading this, you probably agree that credit cards are bad. After all, we&#8217;re in debt more than ever, and only now that our economy has tanked are we starting to realize that it&#8217;s imperative to get rid of our debt. Personally, I&#8217;m down to slightly more than $2k. I&#8217;ve found there is [...]]]></description>
		<link>http://davidonfinance.com/2009/02/09/a-macroeconomic-look-at-credit-cards/</link>
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		<title>Niche-Industry and Internationalism</title>
		<description><![CDATA[There is a lot of talk today about how bad of a state the US is in right now. Of course, gas prices are high, unemployment is high, wages are low, and all signs point to economic recession. However, I have more work to do in my office than I&#8217;ve ever had before, and our [...]]]></description>
		<link>http://davidonfinance.com/2008/06/17/niche-industry-and-internationalism/</link>
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		<title>Apologies, Snowflaking, and Updates</title>
		<description><![CDATA[Yes, it&#8217;s been more than two months since my last post. I&#8217;m a bad blogger! But I see that people are still subscribed, and I get a lot of visits here these days, so I will try my best to add content from time to time. To balance the long wait in-between posts, I will [...]]]></description>
		<link>http://davidonfinance.com/2008/06/10/apologies-snowflaking-and-updates/</link>
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		<title>Would You Refinance Your Debt at 7% Interest?</title>
		<description><![CDATA[I believe I have the golden opportunity, here. For once, my financial aid finally went through for school, and while I wasn&#8217;t approved for &#8220;free money&#8221; like grants or need-based scholarships, I was approved for federal stafford loans. Not only does this mean I can go back to school in summer, but it also means [...]]]></description>
		<link>http://davidonfinance.com/2008/03/17/would-you-refinance-your-debt-at-7-interest/</link>
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		<title>FAQ (or, Searches That Found This Blog)</title>
		<description><![CDATA[I&#8217;ve maintained a variety of websites, but this blog has turned up some fairly unique Google searches compared to the other sites! I don&#8217;t know if other finance bloggers have the same results, but I&#8217;ve had some hilarious searches. So, in an effort to make those people feel at home here, I&#8217;ll attempt to give [...]]]></description>
		<link>http://davidonfinance.com/2008/02/22/faq-or-searches-that-found-this-blog/</link>
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		<title>Carnival of Debt Reduction #127</title>
		<description><![CDATA[Yesterday, Paid Twice posted the latest edition of the Carnival of Debt Reduction, and my article about my upcoming vacation made it! Also mentioned was the launch of the &#8220;Snowflake Revolution&#8220;, a place where snowflaking bloggers combine efforts to, er, create a giant snowball? Seriously though, while I won&#8217;t be a part of the Snowflake [...]]]></description>
		<link>http://davidonfinance.com/2008/02/20/carnival-of-debt-reduction-127/</link>
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		<title>The Failure of Neglect (or, Vacationing on a Budget)</title>
		<description><![CDATA[One of the misconceptions I&#8217;ve had in this journey to becoming debt free is that I had to tighten my belt and not do the things I&#8217;ve wanted. To an extent, it is a wise idea for sure; I carefully budget for movies, eating out, and going out with friends. Having a set limit means [...]]]></description>
		<link>http://davidonfinance.com/2008/02/12/the-failure-of-neglect-or-vacationing-on-a-budget/</link>
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