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	<title>BLACK ENTERPRISE &#187; Credit &amp; Debt</title>
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	<description>Your Ultimate Source for Wealth Creation</description>
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		<title>Growing The Net Worth of Black Women</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 19:47:17 +0000</pubDate>
		<dc:creator>Sakina P. Spruell</dc:creator>
				<category><![CDATA[B.E. Exclusives]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Women of Power Exclusives]]></category>
		<category><![CDATA[assets]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[gender bias]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[liabilities]]></category>
		<category><![CDATA[net worth]]></category>
		<category><![CDATA[wealth]]></category>
		<category><![CDATA[wealth disparities]]></category>
		<category><![CDATA[wealth gap]]></category>
		<category><![CDATA[women and money]]></category>
		<category><![CDATA[women and work]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70873</guid>
		<description><![CDATA[Don't be alarmed by the recent news that African American women only have a median net worth of $100. I'm actually glad to see that it wasn't in the negative. The reality of the situation is that too many people define themselves based on income.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/19/growing-the-net-worth-of-black-women/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Resisting the Credit Temptation</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 17:49:51 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Credit Card spending]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=70331</guid>
		<description><![CDATA[When saying no to that impulse purchase is just too hard
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/18/cutting-edge-resisting-the-credit-temptation/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Pep Talk: Ready to be Debt-Free</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/16/pep-talk-ready-to-be-debt-free/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/16/pep-talk-ready-to-be-debt-free/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 20:58:52 +0000</pubDate>
		<dc:creator>Tennille M. Robinson</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[cutting spending]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[managing debt]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[reducing debt]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60095</guid>
		<description><![CDATA[I’m a 32-year-old mother of two and I’ve spent a great deal of time living paycheck to paycheck, but now I want to improve my credit and become financially responsible. I’ve cut down on spending, but my bank account is always overdrawn so bills go without payment. How can I get on track if I am always in the hole?        

]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/16/pep-talk-ready-to-be-debt-free/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why Financial Planning Ain&#8217;t Just For The Rich</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 20:53:38 +0000</pubDate>
		<dc:creator>Eric D. Grant</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial adviser]]></category>
		<category><![CDATA[financial advisor]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69340</guid>
		<description><![CDATA[Let’s say you’re a first year school teacher, with a Masters degree, and you're making about $45,000 a year. Yes, you need financial planning—and in all likelihood, a professional financial planner to help. How about the second-year city bus driver with no degree? Does he need help too? What about the union machinist? I’ve offered professional advice to these types of average, middle class clients for 24 years. Yes, everyone should do financial planning, and probably hire a financial planner. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/15/why-financial-planning-aint-just-for-the-rich/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Food for the Journey</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 17:36:43 +0000</pubDate>
		<dc:creator>Patricia Stallworth</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Personal Finance Exclusives]]></category>
		<category><![CDATA[Women of Power Articles]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=69128</guid>
		<description><![CDATA[According to Napoleon, an army marches on its stomach. On our journey we need something just as basic to keep ourselves nourished. We need a budget. ]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/15/food-for-the-journey/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cutting Edge: Bank of America Ends Overdraft Fees</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 23:53:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[Bank of America Corp.]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Cutting Edge]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[personal banking]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=67907</guid>
		<description><![CDATA[Bank of America customers say sayonara to overdraft fees.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/03/11/cutting-edge-bank-of-america-ends-overdraft-fees/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Credit Card Reform Starts Today</title>
		<link>http://www.blackenterprise.com/business/2010/02/22/credit-card-reform-starts-today/</link>
		<comments>http://www.blackenterprise.com/business/2010/02/22/credit-card-reform-starts-today/#comments</comments>
		<pubDate>Mon, 22 Feb 2010 21:00:17 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card issuers]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=61186</guid>
		<description><![CDATA[The landmark legislation that Obama signed in the spring of 2009 that was designed to protect consumers from abusive credit card practices went into effect Monday.

]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/business/2010/02/22/credit-card-reform-starts-today/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get Ready For The New Credit Card Rules</title>
		<link>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/02/19/get-ready-for-the-new-credit-card-rules/</link>
		<comments>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/02/19/get-ready-for-the-new-credit-card-rules/#comments</comments>
		<pubDate>Fri, 19 Feb 2010 23:55:12 +0000</pubDate>
		<dc:creator>BLACK ENTERPRISE</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[CARD Act]]></category>
		<category><![CDATA[consumer credit]]></category>
		<category><![CDATA[consumer debt]]></category>
		<category><![CDATA[Credit Card Accountability Responsibility and Disclosure Act]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card issuers]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit counseling]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=60463</guid>
		<description><![CDATA[The clock is ticking toward implementation of the Credit Card Accountability Responsibility and Disclosure Act of 2009, commonly referred to as the CARD Act.  On February 22, consumers will have a new set of financial protections in place.  However, in order to maximize the provisions of the Act, consumers need to take action.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/lifestyle/consumer-affairs/2010/02/19/get-ready-for-the-new-credit-card-rules/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>A Life Raft for Student Loan Borrowers</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 08:29:09 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[higher education]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=52965</guid>
		<description><![CDATA[If you’re experiencing financial difficulty, student loan payments can feel like a weight on your chest. Thankfully, there might be help on the way.  In response to the squeeze the ailing economy has put on the middle class, President Obama announced initiatives to help alleviate the pain. The Task Force on the Middle Class, appointed by President Obama when he first took office, came up with several recommendations. In addition to proposals to assist families with rising child care costs and help those caring for elderly relatives, is a change that could help borrowers coping with crippling student loan debt.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/02/02/a-life-raft-for-student-loan-borrowers/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Credit Inquiries—Hard Pulls vs. Soft Pulls</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/#comments</comments>
		<pubDate>Fri, 29 Jan 2010 17:43:22 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=53808</guid>
		<description><![CDATA[Learn how certain types of inquiries on your credit report can impact your credit standing.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/29/credit-inquiries%e2%80%94hard-pulls-vs-soft-pulls/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>3 Things to Know About Debt Collectors</title>
		<link>http://www.blackenterprise.com/wealth-for-life/2010/01/15/3-things-to-know-about-debt-collectors/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/2010/01/15/3-things-to-know-about-debt-collectors/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 16:14:38 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Consumer Affairs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[managing debt]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=49674</guid>
		<description><![CDATA[While the days of debt collectors sending sheriffs to your home are long gone, for some, contemporary debt collection methods can still cross the line.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/2010/01/15/3-things-to-know-about-debt-collectors/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Help! My Dad Has a Credit Card in My Name</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 21:02:03 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit fraud]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[identity theft]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=48980</guid>
		<description><![CDATA[When “Jonathan” was 14-years-old, his Dad opened a few credit cards and acquired a few utilities in his name—unbeknownst to him. Fast-forward four years and Jon, now with enough money saved for a down payment on a vehicle, is denied financing from a used car dealership. Frustrated but not discouraged he tries another—rejected again. Annoyed but still not discouraged he tries another—rejected a third time. But this time Jon asked why. The car salesman explained to Jon that he pulled his 25-page credit report and found that his credit was terrible. You see, Dad never paid any of the bills he racked up in Jon’s name and now lawyers, bill collectors, and a sheriff with a warrant are coming after Jon—while Dad cannot be found.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2010/01/06/help-my-mom-has-a-credit-card-in-my-name/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>5 Ways to Reduce Debt</title>
		<link>http://www.blackenterprise.com/magazine/2010/01/01/5-ways-to-reduce-debt/</link>
		<comments>http://www.blackenterprise.com/magazine/2010/01/01/5-ways-to-reduce-debt/#comments</comments>
		<pubDate>Fri, 01 Jan 2010 04:10:07 +0000</pubDate>
		<dc:creator>Leslie E. Royal</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Magazine]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt reduction]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[managing debt]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[Shopsmart]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44100</guid>
		<description><![CDATA[In 2002, Kristen Tate decided that debt free was the way to be. With a debt load of $28,000 that included student loans, credit cards, and a car note, Tate, who earned $65,000 as an account manager for a global public relations firm, began to pay triple the minimum payment of $200 each month. Tate eventually withdrew money from her savings account and paid off the balance—by 2008, she was completely debt free. Now a self-employed communications consultant, the 29-year-old says she met her goals by drawing on the values she was raised with. “My parents and grandparents stressed the importance of being financially responsible. Rather than buying everything I wanted, I lived frugally and paid down my debt. I wanted the peace of mind of knowing I didn’t owe anyone.” 		       — 
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/magazine/2010/01/01/5-ways-to-reduce-debt/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Homebuyer&#8217;s Toolkit: How Your Credit Score Adds Up</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 16:09:24 +0000</pubDate>
		<dc:creator>LaToya M. Smith</dc:creator>
				<category><![CDATA[Blogs]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Homeownership]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[TransUnion]]></category>

		<guid isPermaLink="false">http://www.blackenterprise.com/?p=44649</guid>
		<description><![CDATA[Do you request your credit report every year? Admittedly, I have to say I don’t. I’ve probably accessed it twice in the past four years. But after attending this week’s homebuyer’s class sponsored by the Bedford Central Community Development Corp., I was reminded of how important it is to monitor and review my report annually.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/12/14/the-homebuyers-toolkit-how-your-credit-score-adds-up/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Relief for Student Loan Borrowers</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/07/01/relief-for-student-loan-borrowers/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/07/01/relief-for-student-loan-borrowers/#comments</comments>
		<pubDate>Wed, 01 Jul 2009 21:55:37 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[BE Next]]></category>
		<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[college financing]]></category>
		<category><![CDATA[Department of Education]]></category>
		<category><![CDATA[financial aid]]></category>
		<category><![CDATA[money for college]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=37059</guid>
		<description><![CDATA[College graduates facing mounting student loan debt may find relief in the new Income-Based Repayment plan that took effect Wednesday. Designed to take into account monthly income and family size, graduates with outstanding federal loans can see their minimum payments cut to less than 10% of their earnings.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/07/01/relief-for-student-loan-borrowers/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: When to File Bankruptcy</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/02/05/women-money-when-to-file-bankruptcy/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/02/05/women-money-when-to-file-bankruptcy/#comments</comments>
		<pubDate>Thu, 05 Feb 2009 21:10:11 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=24140</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part “Women &#038; Money” series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/02/05/women-money-when-to-file-bankruptcy/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Your Finances at Your Life Stage</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/29/woman-money-your-finances-at-your-life-stage/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/29/woman-money-your-finances-at-your-life-stage/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 18:54:30 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23534</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/29/woman-money-your-finances-at-your-life-stage/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Conflict Resolution for Your Financial Woes</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/28/women-money-conflict-resolution-for-your-financial-woes/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/28/women-money-conflict-resolution-for-your-financial-woes/#comments</comments>
		<pubDate>Wed, 28 Jan 2009 15:12:31 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[conflict]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23469</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/28/women-money-conflict-resolution-for-your-financial-woes/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: When &#8216;Mine&#8217; Becomes &#8216;His &amp; Hers&#8217;</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/27/women-money-when-mine-becomes-his-hers/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/27/women-money-when-mine-becomes-his-hers/#comments</comments>
		<pubDate>Tue, 27 Jan 2009 14:30:32 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23417</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/27/women-money-when-mine-becomes-his-hers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Handling Your Spouse&#8217;s Financial Missteps</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/26/women-money-handling-your-spouses-financial-missteps/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/26/women-money-handling-your-spouses-financial-missteps/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 20:46:27 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23379</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part "Women &#038; Money" series. Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/26/women-money-handling-your-spouses-financial-missteps/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Tips for Financial Empowerment</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/23/women-money-tips-for-financial-empowerment-2/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/23/women-money-tips-for-financial-empowerment-2/#comments</comments>
		<pubDate>Fri, 23 Jan 2009 17:49:44 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[H.E. Freeman Enterprises]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[salary]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23228</guid>
		<description><![CDATA[Over the next two weeks, we’ll have money management tips and strategies from Harrine Freeman, CEO and owner of H.E. Freeman Enterprises, a credit counseling service.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/23/women-money-tips-for-financial-empowerment-2/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Women &amp; Money: Tips for Financial Empowerment</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/22/women-money-tips-for-financial-empowerment/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/22/women-money-tips-for-financial-empowerment/#comments</comments>
		<pubDate>Thu, 22 Jan 2009 14:45:51 +0000</pubDate>
		<dc:creator>BlackEnterprise.com</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Harrine Freeman]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[money management]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=23168</guid>
		<description><![CDATA[Savvy money management skills are a necessity to weather these tough economic times. BlackEnterprise.com has got you covered with our supplement to the magazine’s three-part Women &#038; Money series.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2009/01/22/women-money-tips-for-financial-empowerment/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>What You Should Know Before Filing for Bankruptcy</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2/#comments</comments>
		<pubDate>Fri, 26 Dec 2008 16:10:02 +0000</pubDate>
		<dc:creator>Ilana Polyak</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=21778</guid>
		<description><![CDATA[It was the daily flood of phone calls that finally did it. They became so overwhelming that Sabrina Young stopped answering her phone and resolved to give out her phone number to family, friends, and a few chosen others. As many as four creditors a day would call, demanding payment.

]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/26/what-you-should-know-before-filing-for-bankruptcy-2/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>An Alternative to Credit: Layaway</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway/#comments</comments>
		<pubDate>Wed, 10 Dec 2008 16:07:27 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Burlington Coat Factory]]></category>
		<category><![CDATA[layaway]]></category>
		<category><![CDATA[Marshalls]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[retail]]></category>
		<category><![CDATA[T.J. Maxx]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=18616</guid>
		<description><![CDATA[With its roots in the Great Depression, layaway allows shoppers who don’t have enough money to pay for merchandise at once to put the item on hold while they pay over time. While layaway gives shoppers more leeway over purchases, is it a good deal for consumers in today's economy?]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/12/10/an-alternative-to-credit-layaway/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Don&#8217;t Have to Cancel Christmas, but&#8230;</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/11/16/you-dont-have-to-cancel-christmas-but/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/11/16/you-dont-have-to-cancel-christmas-but/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 00:17:40 +0000</pubDate>
		<dc:creator>Alfred Edmond, Jr.</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Christmas]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[emergency savings]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[The Doug Banks & DeDe McGuire Show]]></category>

		<guid isPermaLink="false">http://blackenterprise.com/?p=7406</guid>
		<description><![CDATA[ I've stressed that the two most important things we need to do to survive the current financial crisis is to focus on building up emergency savings and paying down our credit card debt. However, with the economy in dire straights, the pressure has already started to get us to start our holiday shopping and [...]]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/11/16/you-dont-have-to-cancel-christmas-but/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>From Wall Street to Main Street</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/09/26/from-wall-street-to-main-street/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/09/26/from-wall-street-to-main-street/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 18:16:56 +0000</pubDate>
		<dc:creator>Renita Burns</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[rescue plan]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/?p=8410</guid>
		<description><![CDATA[The wave of bank failures and the wrangling in Congress over a $700 billion rescue plan for banks has many investors and small businesses reeling at the turmoil's possible impact. The events hit close to home for many, yesterday, as JP Morgan Chase purchased parts of Washington Mutual after a government seizure. With the effects now rippling into Main Street, individual investors and small business owners can take steps to weather the crisis and possibly gain from it too.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/09/26/from-wall-street-to-main-street/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Risky Solutions to Debt Elimination</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination/#comments</comments>
		<pubDate>Fri, 01 Aug 2008 05:00:00 +0000</pubDate>
		<dc:creator>Zakiyyah El-Amin</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt consolidation]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/08/01/risky-solutions-to-debt-elimination/</guid>
		<description><![CDATA[Desperate for alternative ways to pay down debt, many people rely on quick-fix solutions that often cause more harm than good.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/08/01/risky-solutions-to-debt-elimination/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Deep in Business Debt?</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/07/08/deep-in-business-debt/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/07/08/deep-in-business-debt/#comments</comments>
		<pubDate>Tue, 08 Jul 2008 01:15:00 +0000</pubDate>
		<dc:creator>Wendy Harris</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Small Business Administration]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/07/08/deep-in-business-debt/</guid>
		<description><![CDATA[If you’re like most small business owners, at some point you have robbed Peter to pay Paul.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/07/08/deep-in-business-debt/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Boost Your Credit Score</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/30/boost-your-credit-score/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/30/boost-your-credit-score/#comments</comments>
		<pubDate>Fri, 30 May 2008 23:35:00 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[TransUnion]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/05/30/boost-your-credit-score/</guid>
		<description><![CDATA[Ever since subprime mortgages became more "sub" than "prime," lenders have been tightening up on credit. The days of the nothing-down, no-documentation mortgage are gone.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/30/boost-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>21</slash:comments>
		</item>
		<item>
		<title>Good News For College Loans</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/13/good-news-for-college-loans/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/13/good-news-for-college-loans/#comments</comments>
		<pubDate>Tue, 13 May 2008 12:25:00 +0000</pubDate>
		<dc:creator>Donald Jay Korn</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/05/13/good-news-for-college-loans/</guid>
		<description><![CDATA[If you’re the parent of a college student, you know how expensive higher education
can be. For many families, the only way to pay the bills is to borrow money. Millions of students need billions of dollars in loans each year.
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/13/good-news-for-college-loans/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Capital Crunch for Black Businesses</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/08/capital-crunch-for-black-businesses/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/08/capital-crunch-for-black-businesses/#comments</comments>
		<pubDate>Thu, 08 May 2008 02:00:00 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[SBA]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/05/08/capital-crunch-for-black-businesses/</guid>
		<description><![CDATA[A Federal Reserve report released this week underscores the increasing difficulty that small business owners are facing in securing loans during the current economic climate. It is a reality that has both African American entrepreneurs and legislators looking for solutions.
]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/05/08/capital-crunch-for-black-businesses/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Economic Woes Could Seep into the Student Loan Market</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/03/17/economic-woes-could-seep-into-the-student-loan-market/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/03/17/economic-woes-could-seep-into-the-student-loan-market/#comments</comments>
		<pubDate>Mon, 17 Mar 2008 17:45:00 +0000</pubDate>
		<dc:creator>Tamara E. Holmes</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[Consumer Bankers Association]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[National Association of Student Financial Aid Administr]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/03/17/economic-woes-could-seep-into-the-student-loan-market/</guid>
		<description><![CDATA[With the annual cost of tuition and fees at a four-year private institution averaging $23,712, it’s no surprise that students sought more than $148 billion in financial aid during the 2006–2007 academic school year. However, funding for college may not be as readily available, as some low-cost federal student loan programs dry up and private student loans become harder to get.]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/03/17/economic-woes-could-seep-into-the-student-loan-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Proposed Education Cuts</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/03/14/proposed-education-cuts/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/03/14/proposed-education-cuts/#comments</comments>
		<pubDate>Fri, 14 Mar 2008 22:40:00 +0000</pubDate>
		<dc:creator>Ann Brown</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[HBCU]]></category>
		<category><![CDATA[Lezli Baskerville]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/03/14/proposed-education-cuts/</guid>
		<description><![CDATA[President Bush’s 2009 education budget proposal has many black educators concerned about the impact of federal cuts on historically black colleges and universities (HBCUs).]]></description>
		<wfw:commentRss>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/03/14/proposed-education-cuts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A New FICO Scoring Model</title>
		<link>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/01/11/a-new-fico-scoring-model/</link>
		<comments>http://www.blackenterprise.com/wealth-for-life/credit-debt/2008/01/11/a-new-fico-scoring-model/#comments</comments>
		<pubDate>Fri, 11 Jan 2008 02:00:00 +0000</pubDate>
		<dc:creator>Sheiresa Ngo</dc:creator>
				<category><![CDATA[Credit & Debt]]></category>
		<category><![CDATA[Add new tag]]></category>
		<category><![CDATA[FICO]]></category>

		<guid isPermaLink="false">http://content.blackenterprise.com/2008/01/11/a-new-fico-scoring-model/</guid>
		<description><![CDATA[Fair Isaac Corp., creators of the FICO credit score, announced a new scoring model expected to take effect this spring.]]></description>
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