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	<description>Life and Debt in Exotic Manchester</description>
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		<title>psychobanana</title>
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		<item>
		<title>My first annual review &#8211; 1 year of being on a Debt Management Plan</title>
		<link>http://psychobanana.wordpress.com/2008/12/06/my-first-annual-review-1-year-of-being-on-a-debt-management-plan/</link>
		<comments>http://psychobanana.wordpress.com/2008/12/06/my-first-annual-review-1-year-of-being-on-a-debt-management-plan/#comments</comments>
		<pubDate>Sat, 06 Dec 2008 16:17:53 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[banana]]></category>
		<category><![CDATA[banks]]></category>
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		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt management plan]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[money saving]]></category>
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		<category><![CDATA[psycho]]></category>
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		<guid isPermaLink="false">http://psychobanana.wordpress.com/?p=64</guid>
		<description><![CDATA[Yesterday, I had my first annual review of my Debt management Plan. So, what´s it been like my first year on a DMP? Was it easy? Has it been a struggle? Have I learnt anything useful that I can pass on to others in my predicament? Well, the answers are, interesting, no, yes and yes! [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=64&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://psychobanana.wordpress.com/2008/12/06/my-first-annual-review-1-year-of-being-on-a-debt-management-plan/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
	
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		<title>One Year to Clear My Debts</title>
		<link>http://psychobanana.wordpress.com/2008/08/04/one-year-to-clear-my-debts/</link>
		<comments>http://psychobanana.wordpress.com/2008/08/04/one-year-to-clear-my-debts/#comments</comments>
		<pubDate>Mon, 04 Aug 2008 01:44:31 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://psychobanana.wordpress.com/?p=57</guid>
		<description><![CDATA[I just read an email newsletter from the Motley Fool entitled ´Five Steps to Debt Free Heaven´, which says that 47 is the magic age when the number of people who have beaten their credit card debts exceeds the number who haven´t. That means I have just 214 days left to clear my debts! That [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=57&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>3</slash:comments>
	
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		<title>Time Management</title>
		<link>http://psychobanana.wordpress.com/2008/07/29/time-management/</link>
		<comments>http://psychobanana.wordpress.com/2008/07/29/time-management/#comments</comments>
		<pubDate>Tue, 29 Jul 2008 16:13:20 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[banana]]></category>
		<category><![CDATA[bank charges]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[blogging]]></category>
		<category><![CDATA[credit]]></category>
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		<category><![CDATA[psycho]]></category>
		<category><![CDATA[self improvement]]></category>
		<category><![CDATA[self-help books]]></category>
		<category><![CDATA[time-management]]></category>
		<category><![CDATA[writing]]></category>
		<category><![CDATA[achieving your goals]]></category>
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		<category><![CDATA[making progress]]></category>
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		<guid isPermaLink="false">http://psychobanana.wordpress.com/?p=51</guid>
		<description><![CDATA[Well, today, I was going to carry on where I left off yesterday, but unfortunately, lack of available time has got the better of me again. I´ve spent so much time doing other stuff that I haven´t left time to put much here. Anyway, I´ve been reading up on time management as well and along [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=51&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>Prevarication (again!)</title>
		<link>http://psychobanana.wordpress.com/2008/07/28/prevarication-again/</link>
		<comments>http://psychobanana.wordpress.com/2008/07/28/prevarication-again/#comments</comments>
		<pubDate>Mon, 28 Jul 2008 15:44:29 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[banana]]></category>
		<category><![CDATA[banks]]></category>
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		<category><![CDATA[foreign languages]]></category>
		<category><![CDATA[journalism]]></category>
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		<category><![CDATA[making money online]]></category>
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		<guid isPermaLink="false">http://psychobanana.wordpress.com/?p=46</guid>
		<description><![CDATA[Well, I´ve left it rather a long time again since my last post. I´ve been prevaricating, you see! Or rather you don´t because I haven´t produced any content. I´ve been spending my time considering all aspects of my life and really, I´ve come to the conclusion that it´s far too complicated &#8211; I have far [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=46&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>1</slash:comments>
	
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		<title>Top 10 Steps to getting very badly into debt</title>
		<link>http://psychobanana.wordpress.com/2008/05/20/top-10-rules-for-getting-very-badly-into-debt/</link>
		<comments>http://psychobanana.wordpress.com/2008/05/20/top-10-rules-for-getting-very-badly-into-debt/#comments</comments>
		<pubDate>Tue, 20 May 2008 16:05:29 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[banks]]></category>
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		<category><![CDATA[credit cards]]></category>
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		<category><![CDATA[money saving]]></category>
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		<category><![CDATA[top 10]]></category>
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		<guid isPermaLink="false">http://psychobanana.wordpress.com/?p=35</guid>
		<description><![CDATA[1. Get a credit card 2. Spend on the credit card up to your limit 3. Wait for the credit card company to increase your limit 4. Spend up to that limit 5. Repeat steps 3 and 4. 6. Get a new credit card with a balance transfer offer 7. Transfer the balance from the [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=35&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://psychobanana.wordpress.com/2008/05/20/top-10-rules-for-getting-very-badly-into-debt/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
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		<title>Making the first call to the CCCS</title>
		<link>http://psychobanana.wordpress.com/2008/03/17/making-the-first-call-to-the-cccs/</link>
		<comments>http://psychobanana.wordpress.com/2008/03/17/making-the-first-call-to-the-cccs/#comments</comments>
		<pubDate>Mon, 17 Mar 2008 13:25:06 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://psychobanana.wordpress.com/?p=33</guid>
		<description><![CDATA[So, on the 25th October 2007, after sitting around most of the day finding first one excuse and then another to put off the awful moment, and more time spent sat there frozen like a rabbit in the headlights, my brain refusing to let me pick up the phone or even to process any thoughts [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=33&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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		<title>Making the Decision to do a Debt Management Plan</title>
		<link>http://psychobanana.wordpress.com/2007/12/19/making-the-decision-to-do-a-debt-management-plan/</link>
		<comments>http://psychobanana.wordpress.com/2007/12/19/making-the-decision-to-do-a-debt-management-plan/#comments</comments>
		<pubDate>Wed, 19 Dec 2007 13:24:08 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[banana]]></category>
		<category><![CDATA[bank charges]]></category>
		<category><![CDATA[banks]]></category>
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		<category><![CDATA[credit]]></category>
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		<guid isPermaLink="false">http://psychobanana.wordpress.com/2007/12/19/making-the-decision-to-do-a-debt-management-plan/</guid>
		<description><![CDATA[Well, it&#8217;s been ages since I&#8217;ve posted anything on here. The reason is that things got so bad with my debts that I was spending hours every day trying to figure out how to, well,  rob Peter to pay Paul, I suppose. What initially pushed me over the edge was the holiday my other half [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=29&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://psychobanana.wordpress.com/2007/12/19/making-the-decision-to-do-a-debt-management-plan/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
	
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		<title>Doing a Debt Management Plan (or Prevarication is the root of all evil!)</title>
		<link>http://psychobanana.wordpress.com/2007/09/13/prevarication-is-the-root-of-all-evil/</link>
		<comments>http://psychobanana.wordpress.com/2007/09/13/prevarication-is-the-root-of-all-evil/#comments</comments>
		<pubDate>Thu, 13 Sep 2007 23:00:02 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[banana]]></category>
		<category><![CDATA[banks]]></category>
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		<category><![CDATA[customer service]]></category>
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		<guid isPermaLink="false">http://psychobanana.wordpress.com/2007/09/13/prevarication-is-the-root-of-all-evil/</guid>
		<description><![CDATA[I haven&#8217;t managed to post anything on this site for weeks now. I do have an excuse though. I&#8217;ve been considering doing a Debt Management Plan to try and pay off my debts. I am desperate &#8211; ever since I came back off the holiday I didn&#8217;t want to go on in May, that my [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=28&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://psychobanana.wordpress.com/2007/09/13/prevarication-is-the-root-of-all-evil/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
	
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		<title>Changing your phone provider from BT to Talk Talk</title>
		<link>http://psychobanana.wordpress.com/2007/08/09/changing-your-phone-provider-from-bt-to-talk-talk/</link>
		<comments>http://psychobanana.wordpress.com/2007/08/09/changing-your-phone-provider-from-bt-to-talk-talk/#comments</comments>
		<pubDate>Thu, 09 Aug 2007 16:28:14 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[banana]]></category>
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		<category><![CDATA[british telecom]]></category>
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		<guid isPermaLink="false">http://psychobanana.wordpress.com/2007/08/09/changing-your-phone-provider-from-bt-to-talk-talk/</guid>
		<description><![CDATA[We recently swapped over our phone from BT to Talk Talk. To say it didn&#8217;t go smoothly is something of an understatement! You can read the full story here, but it is quite a story!<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=27&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://psychobanana.wordpress.com/2007/08/09/changing-your-phone-provider-from-bt-to-talk-talk/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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		<title>Spending my time (and money I don&#8217;t have)!</title>
		<link>http://psychobanana.wordpress.com/2007/07/03/wot-ive-been-up-to/</link>
		<comments>http://psychobanana.wordpress.com/2007/07/03/wot-ive-been-up-to/#comments</comments>
		<pubDate>Tue, 03 Jul 2007 16:09:43 +0000</pubDate>
		<dc:creator>psychobanana</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://psychobanana.wordpress.com/2007/07/03/wot-ive-been-up-to/</guid>
		<description><![CDATA[Just been looking back through my diary to see what I&#8217;ve been doing while I haven&#8217;t been posting anything on here. The first thing I noticed was how much time I spent trying to cobble together some spending money for our week&#8217;s holiday in Kos. Just in case you didn&#8217;t know, I&#8217;m rather heavily in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=psychobanana.wordpress.com&amp;blog=1090259&amp;post=21&amp;subd=psychobanana&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	
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