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	<title>Comments on: Is the thought of debt ruling your life?</title>
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	<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/</link>
	<description>Family, Marriage, Finances &#38; Life</description>
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		<title>By: Peniaze a financie</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-2/#comment-18302</link>
		<dc:creator>Peniaze a financie</dc:creator>
		<pubDate>Thu, 17 Jan 2008 22:08:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-18302</guid>
		<description>Very inspiring post...thank you and get out of debt very soon</description>
		<content:encoded><![CDATA[<p>Very inspiring post&#8230;thank you and get out of debt very soon</p>
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	<item>
		<title>By: The little picture and the Big picture &#124; I've Paid For This Twice Already...</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-13484</link>
		<dc:creator>The little picture and the Big picture &#124; I've Paid For This Twice Already...</dc:creator>
		<pubDate>Thu, 04 Oct 2007 02:15:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-13484</guid>
		<description>[...] at Clever Dude, the Clever Dude himself asks Is the thought of debt ruling your life? and I have to answer, yes. I mean, I started a blog just to have a place to endlessly talk about it [...]</description>
		<content:encoded><![CDATA[<p>[...] at Clever Dude, the Clever Dude himself asks Is the thought of debt ruling your life? and I have to answer, yes. I mean, I started a blog just to have a place to endlessly talk about it [...]</p>
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	<item>
		<title>By: FIRE Finance</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-11290</link>
		<dc:creator>FIRE Finance</dc:creator>
		<pubDate>Wed, 22 Aug 2007 02:53:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-11290</guid>
		<description>&lt;strong&gt;Sunday Review #33!...&lt;/strong&gt;

...</description>
		<content:encoded><![CDATA[<p><strong>Sunday Review #33!&#8230;</strong></p>
<p>&#8230;</p>
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	</item>
	<item>
		<title>By: winyourmind.com &#187; Blog Archive &#187; Are Your Thoughts Ruining Your Life</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-11040</link>
		<dc:creator>winyourmind.com &#187; Blog Archive &#187; Are Your Thoughts Ruining Your Life</dc:creator>
		<pubDate>Sat, 18 Aug 2007 03:48:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-11040</guid>
		<description>[...] Clever Dude asks a very important question on his website - is the thought of debt ruining your life? Yes you may have debt, but are you paying your bills every month on time? Do you have creditors calling? Have you had to sell anything to pay a bill? If not, your situation may not be as bad as you imagine in your head. [...]</description>
		<content:encoded><![CDATA[<p>[...] Clever Dude asks a very important question on his website &#8211; is the thought of debt ruining your life? Yes you may have debt, but are you paying your bills every month on time? Do you have creditors calling? Have you had to sell anything to pay a bill? If not, your situation may not be as bad as you imagine in your head. [...]</p>
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	<item>
		<title>By: Look At The Financial Carnivals Galore, Are You Included? &#124; My Two Dollars</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-10819</link>
		<dc:creator>Look At The Financial Carnivals Galore, Are You Included? &#124; My Two Dollars</dc:creator>
		<pubDate>Tue, 14 Aug 2007 21:55:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-10819</guid>
		<description>[...] Dude writes &#8220;Is the thought of debt ruling your life?&#8220;. Plonkee Money wants you to remember that debt reduction is all in the mind. The Digerati [...]</description>
		<content:encoded><![CDATA[<p>[...] Dude writes &#8220;Is the thought of debt ruling your life?&#8220;. Plonkee Money wants you to remember that debt reduction is all in the mind. The Digerati [...]</p>
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	<item>
		<title>By: j_166</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-10808</link>
		<dc:creator>j_166</dc:creator>
		<pubDate>Tue, 14 Aug 2007 19:08:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-10808</guid>
		<description>HEY! I live in state college! This is a GREAT town to live in (assuming you don&#039;t mind traveling to phila, or pgh if you want to go to &quot;the city&quot;). The area has changed and grown alot in the past couple years. If you have any specific questions or concerns about the area, feel free to shoot me an email.</description>
		<content:encoded><![CDATA[<p>HEY! I live in state college! This is a GREAT town to live in (assuming you don&#8217;t mind traveling to phila, or pgh if you want to go to &#8220;the city&#8221;). The area has changed and grown alot in the past couple years. If you have any specific questions or concerns about the area, feel free to shoot me an email.</p>
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		<title>By: Minimum Wage</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-10796</link>
		<dc:creator>Minimum Wage</dc:creator>
		<pubDate>Tue, 14 Aug 2007 13:49:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-10796</guid>
		<description>Until you have $112,890 (or more) in total non-mortgage debt, then you really just don’t know how bad it feels. 
---------------------------------------------

I disagree.  I think &quot;how bad it feels&quot; is a function of your total non-mortgage debt relative to your disposable income.

My debt is far, far less than $112,890.  BUT I earn minimum wage, which means that almost all of my net income just covers the most basic living expenses - leaving little to be applied toward debt.  How bad does THAT feel?</description>
		<content:encoded><![CDATA[<p>Until you have $112,890 (or more) in total non-mortgage debt, then you really just don’t know how bad it feels.<br />
&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;</p>
<p>I disagree.  I think &#8220;how bad it feels&#8221; is a function of your total non-mortgage debt relative to your disposable income.</p>
<p>My debt is far, far less than $112,890.  BUT I earn minimum wage, which means that almost all of my net income just covers the most basic living expenses &#8211; leaving little to be applied toward debt.  How bad does THAT feel?</p>
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		<title>By: Stephanie</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-10793</link>
		<dc:creator>Stephanie</dc:creator>
		<pubDate>Tue, 14 Aug 2007 13:35:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-10793</guid>
		<description>hmm, reading your post made me realize that I don&#039;t really have any plans/goals about what comes next, besides paying off my student loans.  And I agree, I&#039;m not struggling to pay them off, I just know it&#039;s going to take a while.  But it does sort of overwhelm my thinking...I don&#039;t plan so much about what&#039;s next (like the possibility of going back to school, or what my career goals are.)  Thanks for reminding me that I probably should be planning things!</description>
		<content:encoded><![CDATA[<p>hmm, reading your post made me realize that I don&#8217;t really have any plans/goals about what comes next, besides paying off my student loans.  And I agree, I&#8217;m not struggling to pay them off, I just know it&#8217;s going to take a while.  But it does sort of overwhelm my thinking&#8230;I don&#8217;t plan so much about what&#8217;s next (like the possibility of going back to school, or what my career goals are.)  Thanks for reminding me that I probably should be planning things!</p>
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	<item>
		<title>By: Daily Links: Debt Reduction, Stupidity, and Mutual Funds ∞ Get Rich Slowly</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-10758</link>
		<dc:creator>Daily Links: Debt Reduction, Stupidity, and Mutual Funds ∞ Get Rich Slowly</dc:creator>
		<pubDate>Tue, 14 Aug 2007 04:40:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.cleverdude.com/articles/finances/is-the-thought-of-debt-ruling-your-life/#comment-10758</guid>
		<description>[...] Clever Dude asks, &#8220;Is the thought of debt ruining your life?&#8220; [...]</description>
		<content:encoded><![CDATA[<p>[...] Clever Dude asks, &#8220;Is the thought of debt ruining your life?&#8220; [...]</p>
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		<title>By: Best Debt Posts from Carnival of Debt Reduction #100 at Clever Dude Personal Finance &#38; Money</title>
		<link>http://www.cleverdude.com/content/is-the-thought-of-debt-ruling-your-life/comment-page-1/#comment-10750</link>
		<dc:creator>Best Debt Posts from Carnival of Debt Reduction #100 at Clever Dude Personal Finance &#38; Money</dc:creator>
		<pubDate>Tue, 14 Aug 2007 01:28:29 +0000</pubDate>
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		<description>[...] Suggested Articles on Is the thought of debt ruling your life? [...]</description>
		<content:encoded><![CDATA[<p>[...] Suggested Articles on Is the thought of debt ruling your life? [...]</p>
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