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		<title>Substitution – The First Step To Having More Money</title>
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		<pubDate>Thu, 07 Oct 2010 13:51:05 +0000</pubDate>
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		<description><![CDATA[By Dr. Rosilyn H. Overton, CFP&#174; &#160; You are in college. It costs lots of money. You may only be responsible for yourself or you may have kids that you have to support.&#160;Whether you are single or married, male or female, you probably have bills to pay, and not much in reserve.&#160;You know you should [...]]]></description>
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		<title>Getting Started On The Path To Financial Success, Part 1</title>
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		<pubDate>Thu, 07 Oct 2010 13:55:54 +0000</pubDate>
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		<description><![CDATA[By Rosilyn H. Overton, Ph.D., CFP® Before people will trust you to manage their organization, whether it is a store, a museum, or a theater, you have to demonstrate your competence by managing your own life well. In addition, having control over your money gives you freedom. If you are in debt, you are imprisoned because [...]]]></description>
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		<title>Getting Started On The Path To Financial Success, Part 2</title>
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		<pubDate>Thu, 07 Oct 2010 13:57:56 +0000</pubDate>
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		<description><![CDATA[By Rosilyn Overton, Ph.D., CFP&#174; You have decided that you want financial success and that you are willing to do whatever it takes to get there.&#160;Financial success is not really a goal unto itself.&#160;Financial success is defined differently by differently by different people, but it usually means being able to do what you want to [...]]]></description>
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		<title>Major Steps to Financial Success</title>
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		<pubDate>Mon, 04 Apr 2011 14:39:00 +0000</pubDate>
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		<description><![CDATA[By Rosilyn H. Overton, Ph.D., CFP&#174; Here are some steps that you can take, regardless of your income, to move forward on the pathway to financial independence and success. Look for specifics on how to do each step here on the FLEX site. &#160;If you don&#8217;t have debt, don&#8217;t create any.&#160; If you do have [...]]]></description>
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		<title>Help! I messed up and now have a bad credit rating. What can I do?</title>
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		<pubDate>Thu, 14 Jun 2012 14:27:40 +0000</pubDate>
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		<description><![CDATA[Help! I messed up and now I have a bad credit rating. What can I do? &#160; You get a bad credit rating because you were late in making payments or maybe, didn’t pay at all.  This usually happens because you wanted something and it was so easy to buy it with a credit card, [...]]]></description>
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