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	<title>Carrie and Danielle &#187; Valencia Higuera</title>
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	<link>http://carrieanddanielle.com</link>
	<description>Simplify, Beautify and Prosper in all areas of your life.</description>
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		<title>Which is Better: Joint or Separate Accounts?</title>
		<link>http://carrieanddanielle.com/which-is-better-joint-or-separate-accounts/</link>
		<comments>http://carrieanddanielle.com/which-is-better-joint-or-separate-accounts/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 22:00:15 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Wealth]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[marriage]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=7966</guid>
		<description><![CDATA[
I rarely talk about money or my personal finances with others. But occasionally, a conversation will come up in which I’ll reveal routine financial matters. Over the years, I’ve casually mentioned the fact that my husband and I have separate bank accounts. He pays his portion of the bills from his account, and I do [...]


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		<title>Simple and Smart Ways to Consolidate Debt</title>
		<link>http://carrieanddanielle.com/simple-and-smart-ways-to-consolidate-debt/</link>
		<comments>http://carrieanddanielle.com/simple-and-smart-ways-to-consolidate-debt/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 20:00:31 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Wealth]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finances]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=7774</guid>
		<description><![CDATA[Looking for an easier way to manage your finances or eliminate debt? Or perhaps a faster way to eliminate debt? Debt consolidation has helped millions of people. You can combine all your outstanding balances into one loan, enjoy easy account management, reduce your interest rates and monthly payments, and ultimately get out of debt quicker.
Everyone [...]


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		<slash:comments>3</slash:comments>
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		<title>Top Five Get Out of Debt Mistakes</title>
		<link>http://carrieanddanielle.com/top-five-get-out-of-debt-mistakes/</link>
		<comments>http://carrieanddanielle.com/top-five-get-out-of-debt-mistakes/#comments</comments>
		<pubDate>Wed, 10 Feb 2010 15:00:08 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Wealth]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=5975</guid>
		<description><![CDATA[
I cannot get enough of CNN and talk about the economy. I’ve always been interested in ways to improve my finances. Like most people, I’ve made some serious money and credit mistakes. I acquired three credit cards after graduating from high school; and in less than a year, they were maxed out. I spent that [...]


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		<slash:comments>7</slash:comments>
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		<title>How to Use a Credit Card Like a Pro</title>
		<link>http://carrieanddanielle.com/how-to-use-a-credit-card-like-a-pro/</link>
		<comments>http://carrieanddanielle.com/how-to-use-a-credit-card-like-a-pro/#comments</comments>
		<pubDate>Thu, 12 Feb 2009 20:00:38 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Wealth]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[minimum payment]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=8816</guid>
		<description><![CDATA[
I’m always amazed at how credit-card companies successfully entice consumers to use credit for whimsical high-end purchases. I know you’ve seen those American Express commercials where someone is in a retail store about to make a purchase only to have the sales clerk whisper that the card has been declined because it&#8217;s over the limit. [...]


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		<slash:comments>1</slash:comments>
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		<title>The Greatness of Online-Account Management</title>
		<link>http://carrieanddanielle.com/the-greatness-of-online-account-management/</link>
		<comments>http://carrieanddanielle.com/the-greatness-of-online-account-management/#comments</comments>
		<pubDate>Sun, 08 Feb 2009 00:00:17 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[Budget planning]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Internet Content]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Wealth]]></category>
		<category><![CDATA[Internet payments]]></category>
		<category><![CDATA[paying bills]]></category>
		<category><![CDATA[writing a check]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=8623</guid>
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In my opinion, the Internet is the best invention ever. Aside from the fact that I can research any topic, buy any item, and do practically everything online, I love the convenience that comes with paying my bills through the computer. And up until two weeks ago, I thought that everyone else took advantage of [...]


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		<slash:comments>0</slash:comments>
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		<title>3 Ideas for a Fun Night In</title>
		<link>http://carrieanddanielle.com/3-ideas-for-a-fun-night-in/</link>
		<comments>http://carrieanddanielle.com/3-ideas-for-a-fun-night-in/#comments</comments>
		<pubDate>Wed, 04 Feb 2009 00:00:08 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Leisure]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[Travel & Leisure]]></category>
		<category><![CDATA[Monopoly]]></category>
		<category><![CDATA[Taboo]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=8477</guid>
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I don’t consider myself a party animal, and I haven’t stepped inside a night club in about seven years. Still, I love going out&#8211;but I’m not talking about the “partying until I can barely walk” type of going out. It doesn’t matter whether I’m going to the movies, eating out, or walking down the aisles [...]


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		<slash:comments>5</slash:comments>
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		<title>3 Rules for Meeting the Parents</title>
		<link>http://carrieanddanielle.com/3-rules-for-meeting-the-parents/</link>
		<comments>http://carrieanddanielle.com/3-rules-for-meeting-the-parents/#comments</comments>
		<pubDate>Fri, 30 Jan 2009 16:00:13 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[Intimate Relationships]]></category>
		<category><![CDATA[Potential partners]]></category>
		<category><![CDATA[Relationships]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=8340</guid>
		<description><![CDATA[
So, you think you’re ready to meet your girlfriend or boyfriend’s parents&#8211;or your significant other does, anyway. This can be a time of mixed emotions. On one hand, you may be thrilled to meet the parents if it indicates that your significant other is ready to take the relationship to the next level. On the [...]


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		<slash:comments>0</slash:comments>
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		<title>Store Credit Cards: Not The Best Idea</title>
		<link>http://carrieanddanielle.com/store-credit-cards-not-the-best-idea/</link>
		<comments>http://carrieanddanielle.com/store-credit-cards-not-the-best-idea/#comments</comments>
		<pubDate>Tue, 13 Jan 2009 16:00:42 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Wealth]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=7932</guid>
		<description><![CDATA[
If you shop at department stores or mall clothing stores, you likely know how the transaction will go. The salesperson will offer a greeting, ask if you were able to find everything okay &#8211; and before ringing up your purchase, they’ll ask whether you want to open an account with the store and save 10 [...]


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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Three Money Mistakes Made by Newlyweds</title>
		<link>http://carrieanddanielle.com/three-money-mistakes-made-by-newlyweds/</link>
		<comments>http://carrieanddanielle.com/three-money-mistakes-made-by-newlyweds/#comments</comments>
		<pubDate>Sat, 10 Jan 2009 14:00:03 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Wealth]]></category>
		<category><![CDATA[marriage]]></category>
		<category><![CDATA[responsibility]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=7850</guid>
		<description><![CDATA[
The average newlywed doesn’t have a lot of money, but this doesn’t stop them from renting or buying expensive homes or using credit to furnish this beautiful space. I can’t tell you how many times I’ve run into new couples who spend money and use credit cards like it’s their last day on earth. I [...]


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		<slash:comments>4</slash:comments>
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		<item>
		<title>How to Protect Kids from Identity Theft</title>
		<link>http://carrieanddanielle.com/how-to-protect-kids-from-identity-theft/</link>
		<comments>http://carrieanddanielle.com/how-to-protect-kids-from-identity-theft/#comments</comments>
		<pubDate>Sat, 03 Jan 2009 14:00:40 +0000</pubDate>
		<dc:creator>Valencia Higuera</dc:creator>
				<category><![CDATA[Money]]></category>
		<category><![CDATA[parenting]]></category>

		<guid isPermaLink="false">http://carrieanddanielle.com/?p=7623</guid>
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I can’t understand how someone could have the audacity to swipe an innocent child’s personal information and open fraudulent credit accounts in their name, but then again, I shouldn’t be surprised. I know of many situations where parents have opened accounts in their children’s name; they didn’t pay the bill, and their child spends the [...]


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		<slash:comments>10</slash:comments>
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