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	<title>PF Under 30</title>
	<atom:link href="http://kirak.wordpress.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://kirak.wordpress.com</link>
	<description>Personal finance under 30 - for those on a single income. Watch me as I strive to consolidate and simplify my [financial] life.</description>
	<pubDate>Wed, 02 Jul 2008 22:48:49 +0000</pubDate>
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	<language>en</language>
			<item>
		<title>TrueCredit for $9.95/month</title>
		<link>http://kirak.wordpress.com/2008/07/02/truecredit-for-995month/</link>
		<comments>http://kirak.wordpress.com/2008/07/02/truecredit-for-995month/#comments</comments>
		<pubDate>Wed, 02 Jul 2008 22:48:49 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=201</guid>
		<description><![CDATA[Just re-signed up for credit monitoring today. As many of you know I cancelled my AMEX Gold last month. With that, American Express Credit Secure also dropped me because I was no longer a personal card holder. So, since then I&#8217;ve been pocketing the $11.99/month and putting it toward my debt snowball.
However, one of my [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/07/02/truecredit-for-995month/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>2008 Goals Mid-year check up</title>
		<link>http://kirak.wordpress.com/2008/06/18/2008-goals-mid-year-check-up/</link>
		<comments>http://kirak.wordpress.com/2008/06/18/2008-goals-mid-year-check-up/#comments</comments>
		<pubDate>Wed, 18 Jun 2008 20:26:37 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[CC Debt Progress]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=200</guid>
		<description><![CDATA[Been looking around today for a HSA and disability insurance (per my recent interest in Dave Ramsey and my USAA Financial Health Assessment). Anyway, I got to thinking&#8230;. how good am I actually doing on my 2008 Goals? So I went and checked.
I felt so pleased with the results, that I thought I would post [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/06/18/2008-goals-mid-year-check-up/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>I saved $709.35 on my new wardrobe</title>
		<link>http://kirak.wordpress.com/2008/06/16/i-saved-70935-on-my-new-wardrobe/</link>
		<comments>http://kirak.wordpress.com/2008/06/16/i-saved-70935-on-my-new-wardrobe/#comments</comments>
		<pubDate>Mon, 16 Jun 2008 22:42:35 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[Credit and Debt]]></category>

		<category><![CDATA[Deals and Steals]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=199</guid>
		<description><![CDATA[Everytime I saved money at the grocery store, or by not spending it somewhere else, I&#8217;ve been applying the savings to my debt snowball.
Well, I just got a new job (which requires me to look semi-presentable) and therefore went out looking for a new wardrobe. I found Stein Mart - and after discovering their 75% [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/06/16/i-saved-70935-on-my-new-wardrobe/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>I ditched Amex Today!</title>
		<link>http://kirak.wordpress.com/2008/06/05/i-ditched-amex-today/</link>
		<comments>http://kirak.wordpress.com/2008/06/05/i-ditched-amex-today/#comments</comments>
		<pubDate>Thu, 05 Jun 2008 20:42:17 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[American Express]]></category>

		<category><![CDATA[Credit and Debt]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=197</guid>
		<description><![CDATA[
That&#8217;s right - you can delete American Express as one of my creditors. I owe them zero! Nothing! Nada!
Today was the day I called and cancelled my Amex Gold. I told them I had the USAA Amex- they didn&#8217;t even try to keep me. Hmmh.
I get the feeling lots of people have been ditching their [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/06/05/i-ditched-amex-today/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>7 Money Mistakes to Avoid</title>
		<link>http://kirak.wordpress.com/2008/05/21/money-mistakes-to-avoid/</link>
		<comments>http://kirak.wordpress.com/2008/05/21/money-mistakes-to-avoid/#comments</comments>
		<pubDate>Wed, 21 May 2008 19:59:25 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[401(K)]]></category>

		<category><![CDATA[Credit and Debt]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=195</guid>
		<description><![CDATA[I found this on USAA.com some time ago, and continue reading it repeatedly. We all have done (or are still doing) at least one of these things. This list is really a goal checklist for me and my financial freedom. Hopefully, one day I will have every single of these things in the &#8220;Already taken [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/05/21/money-mistakes-to-avoid/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>CC Debt Progress - May</title>
		<link>http://kirak.wordpress.com/2008/05/15/cc-debt-progress-may/</link>
		<comments>http://kirak.wordpress.com/2008/05/15/cc-debt-progress-may/#comments</comments>
		<pubDate>Thu, 15 May 2008 21:56:54 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[CC Debt Progress]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=194</guid>
		<description><![CDATA[Time for me to get on the bandwagon again. Today is my birthday and there&#8217;s plenty of room to look back and see where I&#8217;ve come from and start new resolutions. Hence my posting my balances (again) on the 15th.
Here’s how far I&#8217;ve come:

American Express Gold: $0.00
Citibank Platinum: $10,056.00
Costco American Express: $8,959
USAA Amex: $100.00

TOTAL Credit [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/05/15/cc-debt-progress-may/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>Places I love to shop&#8230;..</title>
		<link>http://kirak.wordpress.com/2008/05/13/places-i-love-to-shop/</link>
		<comments>http://kirak.wordpress.com/2008/05/13/places-i-love-to-shop/#comments</comments>
		<pubDate>Tue, 13 May 2008 21:47:24 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=193</guid>
		<description><![CDATA[Especially in a recession, where we get our goods and materials is tricky. Because I don&#8217;t want to spend my time running around finding stuff, or spend the cost of gas today (just filled up @ $3.51 a gallon) it&#8217;s really caused me to focus on my consumption, spending, and what&#8217;s wasteful.
I&#8217;m starting to trip [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/05/13/places-i-love-to-shop/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>6 Things I&#8217;m too cheap to pay for</title>
		<link>http://kirak.wordpress.com/2008/05/12/6-things-im-too-cheap-to-pay-for/</link>
		<comments>http://kirak.wordpress.com/2008/05/12/6-things-im-too-cheap-to-pay-for/#comments</comments>
		<pubDate>Mon, 12 May 2008 21:39:01 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[Living Expenses]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=192</guid>
		<description><![CDATA[I&#8217;ve been thinking about this post for a few days now and thought I would finally take the time to post it. We all have those things that are just readily available to us thru gifts, friends, family, or just the area we live in. There&#8217;s a few things that I am just too cheap [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/05/12/6-things-im-too-cheap-to-pay-for/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>Where&#8217;s my $600 IRS?</title>
		<link>http://kirak.wordpress.com/2008/05/06/wheres-my-600-irs/</link>
		<comments>http://kirak.wordpress.com/2008/05/06/wheres-my-600-irs/#comments</comments>
		<pubDate>Tue, 06 May 2008 17:02:02 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[Living Expenses]]></category>

		<category><![CDATA[Refunds and Rebates]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=191</guid>
		<description><![CDATA[The IRS still owes me my $600. I know I&#8217;m not scheduled to get it until May 9th (Friday) but they&#8217;ve been sending out Direct Deposits early. What&#8217;s up with that? I&#8217;ve been logging on to USAA.com every day this week and last. No love from the IRS.
They better not have forgotten about me or [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/05/06/wheres-my-600-irs/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
		</media:content>
	</item>
		<item>
		<title>FICO dispute update</title>
		<link>http://kirak.wordpress.com/2008/05/01/fico-dispute-update/</link>
		<comments>http://kirak.wordpress.com/2008/05/01/fico-dispute-update/#comments</comments>
		<pubDate>Thu, 01 May 2008 22:20:02 +0000</pubDate>
		<dc:creator>honda654</dc:creator>
		
		<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://kirak.wordpress.com/?p=190</guid>
		<description><![CDATA[So after 4 weeks of riding around in my car, I finally mailed off the 12 different FICO disputes at the post office last Friday. These were Certified Mail for a grand total of $25. Think it was worth it? Definately!
I have already received a call from one of them - FirstAgain. They said they [...]]]></description>
		<wfw:commentRss>http://kirak.wordpress.com/2008/05/01/fico-dispute-update/feed/</wfw:commentRss>
	
		<media:content url="http://a.wordpress.com/avatar/honda654-128.jpg" medium="image">
			<media:title type="html">Kirak</media:title>
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