<?xml version="1.0" encoding="utf-8"?>
<rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/">
<channel>
<title>Cheryl Johnson - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Cheryl_Johnson</link>
<pubDate>Wed, 15 Feb 2012 10:11:19 -0600</pubDate>
<image><title>Cheryl Johnson - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Cheryl_Johnson</link>
<url>http://EzineArticles.com/images/ea_logo.jpg</url>
</image>
<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Cheryl Johnson is a mother of four helping herself and others become and remain debt free. Publisher of the budgeting and debt management site Simple Debt Free Living -a self-help plan, ideas, and resources for debt reduction, personal budgeting, frugal living, and extra income opportunities.]]></description>
<lastBuildDate>Thu, 16 Feb 2006 11:20:30 -0600</lastBuildDate>
<atom:link rel="hub" href="https://pubsubhubbub.appspot.com" />
<item>
<title>Debt and Debtor's Disease - Do You Have It?</title>
<link>http://EzineArticles.com/146416</link>
<guid>http://EzineArticles.com/146416</guid>
<pubDate>Thu, 16 Feb 2006 11:20:30 -0600</pubDate>
<description><![CDATA[Debtor's disease is the silent killer of  respect, marriages, self control, and families.  There isn't a part of your life that it won't touch and destroy.....   ]]></description>
</item>
<item>
<title>Christmas After Credit Cards</title>
<link>http://EzineArticles.com/86183</link>
<guid>http://EzineArticles.com/86183</guid>
<pubDate>Mon, 24 Oct 2005 21:57:44 -0500</pubDate>
<description><![CDATA[It is especially important during the holiday season to keep focused on financial goals.  It's so easy to get distracted from goals with the excitement and anticipation of children mounting each day the holiday grows closer.]]></description>
</item>
<item>
<title>Budget Friendly Halloween Costumes</title>
<link>http://EzineArticles.com/77924</link>
<guid>http://EzineArticles.com/77924</guid>
<pubDate>Fri, 30 Sep 2005 08:02:48 -0500</pubDate>
<description><![CDATA[There was a time when Halloween costumes were much more original.  You were not likely to bump into three or four other characters that looked exactly like you.  There were of course  costumes of the same theme, but each was unique by comparison. So, don't let that little girl cry because you can't find her the purrrrrrrrrrr-fect cat costume.  You can create a much nicer one from everyday items and a few craft materials.]]></description>
</item>
<item>
<title>Frugal Gifts for Frugal Gals</title>
<link>http://EzineArticles.com/74046</link>
<guid>http://EzineArticles.com/74046</guid>
<pubDate>Wed, 21 Sep 2005 20:49:30 -0500</pubDate>
<description><![CDATA[If great minds think alike, the same is true of frugal minds.  Simply look within yourself.  The frugal gal can get excited about the most ordinary items. ]]></description>
</item>
<item>
<title>Back to School Savings</title>
<link>http://EzineArticles.com/73797</link>
<guid>http://EzineArticles.com/73797</guid>
<pubDate>Wed, 21 Sep 2005 09:36:33 -0500</pubDate>
<description><![CDATA[Tips to save you money on back to school supplies. Planning and a good shopping strategy are essential to maximize savings on back to school shopping. ]]></description>
</item>
<item>
<title>Frugal Lessons at Home - Raising Happy Children</title>
<link>http://EzineArticles.com/73803</link>
<guid>http://EzineArticles.com/73803</guid>
<pubDate>Wed, 21 Sep 2005 09:32:36 -0500</pubDate>
<description><![CDATA[Give your kids the gift of perspective.  The lessons you teach at home may prove to be the most valuable lessons they learn!]]></description>
</item>
<item>
<title>Find Your Niche in the Business World</title>
<link>http://EzineArticles.com/56755</link>
<guid>http://EzineArticles.com/56755</guid>
<pubDate>Thu, 04 Aug 2005 09:45:21 -0500</pubDate>
<description><![CDATA[Invest in yourself and your happiness.  Find your niche, or place, in the business world. It could be as easy as re-discovering yourself. ]]></description>
</item>
<item>
<title>Low Budget Wedding Reception</title>
<link>http://EzineArticles.com/56710</link>
<guid>http://EzineArticles.com/56710</guid>
<pubDate>Thu, 04 Aug 2005 06:16:59 -0500</pubDate>
<description><![CDATA[Keeping wedding expenses to a minimum is challenging. Many marriages start with huge financial burdens due to wedding costs alone.  This can put alot of stress on a marriage.  Choose a low budget wedding and start your married life together with one less financial worry.]]></description>
</item>
<item>
<title>Buying a House or a Home?</title>
<link>http://EzineArticles.com/47606</link>
<guid>http://EzineArticles.com/47606</guid>
<pubDate>Thu, 30 Jun 2005 21:27:44 -0500</pubDate>
<description><![CDATA[A house is just that, a house, until someone lives in it.  That's when it becomes a "Home."  There's a big difference.]]></description>
</item>
<item>
<title>Grocery Savings - Your Kitchen is a Goldmine!</title>
<link>http://EzineArticles.com/33353</link>
<guid>http://EzineArticles.com/33353</guid>
<pubDate>Tue, 03 May 2005 11:59:26 -0500</pubDate>
<description><![CDATA[Your grocery budget is the most flexible area of your household budget... If you haven't figured it out already, your kitchen is a Goldmine. There are numerous ways to reduce the grocery budget and free up funds to use in other areas. 
]]></description>
</item>
<item>
<title>Considering a Car?  Car Buying Tips</title>
<link>http://EzineArticles.com/33367</link>
<guid>http://EzineArticles.com/33367</guid>
<pubDate>Tue, 03 May 2005 11:16:37 -0500</pubDate>
<description><![CDATA[As one of the "major purchases" in life, car buying is one to be carefully considered. Your first task will be to determine exactly what market you're going for... "You are what you drive?" I don't think so. ]]></description>
</item>
<item>
<title>Gift Ideas from the Heart</title>
<link>http://EzineArticles.com/33330</link>
<guid>http://EzineArticles.com/33330</guid>
<pubDate>Tue, 03 May 2005 09:49:29 -0500</pubDate>
<description><![CDATA[Coming up with gift ideas on a budget may seem difficult at first. Put some thought into your gifts and you will be rewarded not only with lower costs but more practical, useful, gifts for the recipient.]]></description>
</item>
<item>
<title>Budgeting and Debt Management</title>
<link>http://EzineArticles.com/33322</link>
<guid>http://EzineArticles.com/33322</guid>
<pubDate>Tue, 03 May 2005 09:07:26 -0500</pubDate>
<description><![CDATA[Together, budgeting and debt management build financial security and independence.  Like "peanut butter and jelly" most of us can't have one without the other. ]]></description>
</item>
<item>
<title>Biggest Budget Blunders</title>
<link>http://EzineArticles.com/29099</link>
<guid>http://EzineArticles.com/29099</guid>
<pubDate>Wed, 20 Apr 2005 19:38:21 -0500</pubDate>
<description><![CDATA[Does your budget never seem to balance the way it should?  Are you constantly digging into the savings to make ends meet? ...plan for inevitable expenses that we naively refer to as "unexpected." .....Start counting on the car breaking down instead of hoping it doesn't!  
]]></description>
</item>
<item>
<title>Vacation Values</title>
<link>http://EzineArticles.com/27685</link>
<guid>http://EzineArticles.com/27685</guid>
<pubDate>Thu, 14 Apr 2005 21:49:46 -0500</pubDate>
<description><![CDATA[The family vacation is a tradition intended to bring families closer together and one that many of us would just not think of giving up.]]></description>
</item>
<item>
<title>Frugal Freedom</title>
<link>http://EzineArticles.com/27687</link>
<guid>http://EzineArticles.com/27687</guid>
<pubDate>Thu, 14 Apr 2005 21:25:47 -0500</pubDate>
<description><![CDATA[People who live a frugal lifestyle often live with less stress.  Much of the transition from spendthrift to frugal is within the mind. It's not so much a physical shedding of the luxuries of life. Rather...]]></description>
</item>
<item>
<title>Resourceful Redecorating - Budget Friendly Home Decorating</title>
<link>http://EzineArticles.com/27714</link>
<guid>http://EzineArticles.com/27714</guid>
<pubDate>Thu, 14 Apr 2005 21:13:37 -0500</pubDate>
<description><![CDATA[This is a great time to bring some new ideas into your home and liven things up!  Before you buy, shop at your own home. If you have "stuff" laying around the garage or home that can compliment your desired decorating theme, use it.
]]></description>
</item>
<item>
<title>More Money? My Cup Runneth Over...But I'm Still Thirsty</title>
<link>http://EzineArticles.com/13735</link>
<guid>http://EzineArticles.com/13735</guid>
<pubDate>Wed, 09 Feb 2005 11:03:33 -0600</pubDate>
<description><![CDATA[It's a strange phenomenon.  It seems the more money you have, the more you need.  It makes perfect sense. Given more money, most people would increase their standard of living. ]]></description>
</item>
<item>
<title>Budget Planning - It's Elementary My Dear Watson</title>
<link>http://EzineArticles.com/11019</link>
<guid>http://EzineArticles.com/11019</guid>
<pubDate>Mon, 24 Jan 2005 14:14:19 -0600</pubDate>
<description><![CDATA[You don't have to be a financial wizard to solve this mystery.  And you certainly don't have to be Sherlock Holmes. You see it really is an elementary concept.]]></description>
</item>
<item>
<title>OOPS! Did I Forget the Free Fun?</title>
<link>http://EzineArticles.com/10219</link>
<guid>http://EzineArticles.com/10219</guid>
<pubDate>Wed, 19 Jan 2005 11:31:48 -0600</pubDate>
<description><![CDATA[In my recent article "Kids Just Wanna Have Fun" I offered some ideas to keep your fun hungry kids happy.  But, duhhhhh... I forgot the FREE FUN STUFF! Well ya' know that's the most important stuff. ]]></description>
</item>
<item>
<title>Budgeting your Savings - Did You Let Your Piggy Bank Get Away?</title>
<link>http://EzineArticles.com/10239</link>
<guid>http://EzineArticles.com/10239</guid>
<pubDate>Wed, 19 Jan 2005 11:11:43 -0600</pubDate>
<description><![CDATA[Some how we forget to feed the little piggy.  And, like most neglected "pets", your piggy bank will disappear if you don't feed it. ]]></description>
</item>
<item>
<title>Save Money on your Clothing Budget - Tame the Closet Monster!</title>
<link>http://EzineArticles.com/9592</link>
<guid>http://EzineArticles.com/9592</guid>
<pubDate>Sat, 15 Jan 2005 18:44:00 -0600</pubDate>
<description><![CDATA[Never spend more than $5 on a piece of clothing again and still be dressed like the best!]]></description>
</item>
<item>
<title>Internet Home Business Welcomes Newbies</title>
<link>http://EzineArticles.com/9588</link>
<guid>http://EzineArticles.com/9588</guid>
<pubDate>Sat, 15 Jan 2005 17:18:57 -0600</pubDate>
<description><![CDATA[It's a brain explosion, no it's intellectual overload, no... it's just "simply" too much all at once.  It's a scary thought, but sure 'nuf, I am a Newbie.]]></description>
</item>
<item>
<title>You Can Work at Home and Love It</title>
<link>http://EzineArticles.com/8294</link>
<guid>http://EzineArticles.com/8294</guid>
<pubDate>Fri, 07 Jan 2005 13:54:46 -0600</pubDate>
<description><![CDATA[What are you passionate about?  What do you believe in? If you pursue what you love and are passionate about, YOU WILL BE SUCCESSFUL! 
]]></description>
</item>
<item>
<title>Kids Just Wanna Have Fun!</title>
<link>http://EzineArticles.com/8292</link>
<guid>http://EzineArticles.com/8292</guid>
<pubDate>Fri, 07 Jan 2005 12:52:51 -0600</pubDate>
<description><![CDATA["Kids Just Wanna Have Fun."  And who could blame them?  I don't think there are many of us who haven't longed for the carefree, playful days of our youth. I have four of these carefree fun hungry kids. Keeping them entertained on a tight budget is always a challenge.  
]]></description>
</item>
<item>
<title>Money Saving Tips.  Maximize Savings on Everyday Items!</title>
<link>http://EzineArticles.com/6460</link>
<guid>http://EzineArticles.com/6460</guid>
<pubDate>Thu, 09 Dec 2004 01:48:03 -0600</pubDate>
<description><![CDATA[Frugal living is more than a lifestyle.  It's a passion. 
Call Me Crazy!  I love It!

Why, who wouldn't love getting paid to buy products that they use everyday?
]]></description>
</item>
</channel>
</rss>
