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	<title>ByDesign</title>
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	<description>Credit Counseling Solutions</description>
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		<title>A Healthy Diet Of Plastic: How Many Credit Cards?</title>
		<link>http://www.bydesignsolutions.org/archives/1711</link>
		<comments>http://www.bydesignsolutions.org/archives/1711#comments</comments>
		<pubDate>Tue, 24 Aug 2010 19:23:25 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[amount of credit]]></category>
		<category><![CDATA[CCCS]]></category>
		<category><![CDATA[clearpoint]]></category>
		<category><![CDATA[clearpoint credit counseling solutions]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[how many credit cards]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1711</guid>
		<description><![CDATA[Take a look into your purse or wallet. How many credit cards do you have? Is the amount of credit you carry just right? Not enough? Too much?
According to a 2010 survey conducted by the Federal Reserve Bank of Boston, the average credit card carrying consumer has 3.5 credit cards. A similar report from FICO [...]]]></description>
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		<title>Little Known Facts About Debt Settlement</title>
		<link>http://www.bydesignsolutions.org/archives/1704</link>
		<comments>http://www.bydesignsolutions.org/archives/1704#comments</comments>
		<pubDate>Wed, 11 Aug 2010 16:49:48 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Scams]]></category>
		<category><![CDATA[credit counselor]]></category>
		<category><![CDATA[dangers of debt negotiation]]></category>
		<category><![CDATA[dangers of debt settlement]]></category>
		<category><![CDATA[debt negotiation]]></category>
		<category><![CDATA[debt negotiation scams]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[debt settlement companies]]></category>
		<category><![CDATA[debt settlement company]]></category>
		<category><![CDATA[debt settlement scams]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1704</guid>
		<description><![CDATA[(Jonathan is a credit counselor at ClearPoint.)
I’ve counseled numerous clients seeking advice after debt settlement companies haven’t delivered on their promises.
One client worked with a debt settlement company that collected funds, but made no payments to the creditors and then refused to give the client a refund. Another received a summons from a creditor seeking [...]]]></description>
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		<title>Coupons: Friend or Foe?</title>
		<link>http://www.bydesignsolutions.org/archives/1701</link>
		<comments>http://www.bydesignsolutions.org/archives/1701#comments</comments>
		<pubDate>Tue, 10 Aug 2010 19:26:57 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[clipping coupons]]></category>
		<category><![CDATA[coupons]]></category>
		<category><![CDATA[grocery shopping]]></category>
		<category><![CDATA[online coupons]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1701</guid>
		<description><![CDATA[Recently I started using online coupons from my preferred grocery store’s web site. At first I was amazed at the possible savings. To save money, I was only going to buy items that were on sale or that I had a coupon for.  I clipped all of the coupons I could and went out for [...]]]></description>
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		<title>Put The Cool In Back-To-School Saving</title>
		<link>http://www.bydesignsolutions.org/archives/1597</link>
		<comments>http://www.bydesignsolutions.org/archives/1597#comments</comments>
		<pubDate>Thu, 29 Jul 2010 18:30:11 +0000</pubDate>
		<dc:creator>Jennifer</dc:creator>
				<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[back-to-school]]></category>
		<category><![CDATA[back-to-school saving]]></category>
		<category><![CDATA[back-to-school spending]]></category>
		<category><![CDATA[tax-exempt holiday]]></category>
		<category><![CDATA[tax-exempt holidays]]></category>
		<category><![CDATA[tax-free holiday]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1597</guid>
		<description><![CDATA[To save on back-to-school spending, the credit counselors at ClearPoint recommend doing the bulk of your shopping on your state’s tax-exempt back-to-school holiday.  If your state already enjoys no sales tax, or if your state doesn’t participate in this type of promotion, you’ll need to find other ways to save.  See if you can use [...]]]></description>
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		<title>Congratulations! You won a brand new credit card!</title>
		<link>http://www.bydesignsolutions.org/archives/1587</link>
		<comments>http://www.bydesignsolutions.org/archives/1587#comments</comments>
		<pubDate>Mon, 26 Jul 2010 19:29:26 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit counselor]]></category>
		<category><![CDATA[debt management plan]]></category>
		<category><![CDATA[debt management program]]></category>
		<category><![CDATA[DMP]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1587</guid>
		<description><![CDATA[(Jonathan, a financial specialist at ClearPoint, was the following client&#8217;s credit counselor.)
I recently had the pleasure of celebrating with a client who became debt free after spending two years on our Debt Management Program (DMP).
This client stood out because of how he got into debt.  When he turned 18, he went into a national retail [...]]]></description>
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		<title>Grocery Shopping for Less</title>
		<link>http://www.bydesignsolutions.org/archives/1573</link>
		<comments>http://www.bydesignsolutions.org/archives/1573#comments</comments>
		<pubDate>Tue, 20 Jul 2010 19:05:19 +0000</pubDate>
		<dc:creator>TJ</dc:creator>
				<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[grocery bill]]></category>
		<category><![CDATA[reduce food bill]]></category>
		<category><![CDATA[reduce food costs]]></category>
		<category><![CDATA[reducing expenses]]></category>
		<category><![CDATA[save on food]]></category>
		<category><![CDATA[save on grocery shopping]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1573</guid>
		<description><![CDATA[How you shop for groceries can have huge impact on your budget.  Food accounts for 13% of our annual expenditures—only housing and transportation exceed that amount.  So, we all have a great opportunity to save on this line of our household budget.
Overall, plan meals in advance of your shopping trips, make a list and stick [...]]]></description>
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		<title>Are Payday Loans The Fast Food of Credit?</title>
		<link>http://www.bydesignsolutions.org/archives/1558</link>
		<comments>http://www.bydesignsolutions.org/archives/1558#comments</comments>
		<pubDate>Tue, 13 Jul 2010 18:31:18 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[debt management plan]]></category>
		<category><![CDATA[debt management plans]]></category>
		<category><![CDATA[pay day loans]]></category>
		<category><![CDATA[payday loans]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1558</guid>
		<description><![CDATA[Payday loans can be tempting. Like fast food they offer a quick fix at the expense of your health.
Do you think 13% to 29% credit card and traditional loan interest rates are outrageous? Consumers are charged on average between 200% and 500% APR for payday loans.
On top of that, consumers who use payday loans are [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Ins and Outs of Opting in for Overdraft Protection</title>
		<link>http://www.bydesignsolutions.org/archives/1552</link>
		<comments>http://www.bydesignsolutions.org/archives/1552#comments</comments>
		<pubDate>Thu, 01 Jul 2010 20:15:26 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Legislative Reforms]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[counseling]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[help]]></category>
		<category><![CDATA[overdraft]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1552</guid>
		<description><![CDATA[Always be mindful of your balance so that you are not in danger of overdrawing your account.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Summer Vacations for Less</title>
		<link>http://www.bydesignsolutions.org/archives/1543</link>
		<comments>http://www.bydesignsolutions.org/archives/1543#comments</comments>
		<pubDate>Tue, 29 Jun 2010 18:33:46 +0000</pubDate>
		<dc:creator>Jonathan</dc:creator>
				<category><![CDATA[Ways to Save]]></category>
		<category><![CDATA[budget vacation tips]]></category>
		<category><![CDATA[budget vacations]]></category>
		<category><![CDATA[cheap vacations]]></category>
		<category><![CDATA[save on vacations]]></category>
		<category><![CDATA[vacation]]></category>
		<category><![CDATA[vacations]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1543</guid>
		<description><![CDATA[Money is tight for most American families and summer vacation is here.
Here are 6 quick tips to travel further with your dollar.
1. Use traveler’s checks.
Set aside a certain amount for each day and stick to the budget.&#160; Having to sign each check before the purchase is made will help you be much more conscious of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Dangers of Fast Cash and Quick Loan Offers</title>
		<link>http://www.bydesignsolutions.org/archives/1528</link>
		<comments>http://www.bydesignsolutions.org/archives/1528#comments</comments>
		<pubDate>Wed, 23 Jun 2010 23:35:21 +0000</pubDate>
		<dc:creator>Bruce</dc:creator>
				<category><![CDATA[Scams]]></category>
		<category><![CDATA[cash scams]]></category>
		<category><![CDATA[loan scams]]></category>
		<category><![CDATA[payday loans]]></category>
		<category><![CDATA[quick cash]]></category>

		<guid isPermaLink="false">http://www.bydesignsolutions.org/?p=1528</guid>
		<description><![CDATA[Easy money can become a difficult problem for those who don’t look before they leap into quick cash loan offers on the Internet&#8211;fertile ground for scam artists and thieves who are looking for fresh victims. How can you protect yourself from these predators, what are your alternatives, and where can you turn for relief when [...]]]></description>
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		<slash:comments>0</slash:comments>
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