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	<title>Comments on: 10 Steps to Take Before Having a Baby</title>
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	<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/</link>
	<description>The best Credit Card Debt Blog online</description>
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		<title>By: trish</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-10004</link>
		<dc:creator>trish</dc:creator>
		<pubDate>Thu, 11 Dec 2008 05:27:20 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-10004</guid>
		<description>wow ben.</description>
		<content:encoded><![CDATA[<p>wow ben.</p>
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		<title>By: ben</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-3806</link>
		<dc:creator>ben</dc:creator>
		<pubDate>Mon, 21 Jul 2008 13:00:12 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-3806</guid>
		<description>&quot;pay your bills down&quot;? what does that actually mean? I&#039;ve never heard that expression in my life and have spent most of it in some kind of debt. As someone who has NEVER posted a reply in a thread I have to say that this article is a complete waste of time and an inane omnibus repeat of advice we all should know but, for reasons of our own, do not follow. I loathe myself for posting as much as you should.</description>
		<content:encoded><![CDATA[<p>&#8220;pay your bills down&#8221;? what does that actually mean? I&#8217;ve never heard that expression in my life and have spent most of it in some kind of debt. As someone who has NEVER posted a reply in a thread I have to say that this article is a complete waste of time and an inane omnibus repeat of advice we all should know but, for reasons of our own, do not follow. I loathe myself for posting as much as you should.</p>
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		<title>By: FinancialGuruOnline.com &#187; Carnival of Financial Planning - June 7 2008 Edition</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-3335</link>
		<dc:creator>FinancialGuruOnline.com &#187; Carnival of Financial Planning - June 7 2008 Edition</dc:creator>
		<pubDate>Tue, 15 Jul 2008 05:09:53 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-3335</guid>
		<description>[...] Your Card presents 10 Steps to Take Before Having a Baby posted at Master Your Card, saying, &#8220;Whether you are out-to-here pregnant, or you’re just [...]</description>
		<content:encoded><![CDATA[<p>[...] Your Card presents 10 Steps to Take Before Having a Baby posted at Master Your Card, saying, &#8220;Whether you are out-to-here pregnant, or you’re just [...]</p>
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		<title>By: Carnival of Financial Goals Financial Freedom Edition &#124; Military Finance Network</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-3082</link>
		<dc:creator>Carnival of Financial Goals Financial Freedom Edition &#124; Military Finance Network</dc:creator>
		<pubDate>Thu, 03 Jul 2008 23:46:12 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-3082</guid>
		<description>[...] Your Card presents 10 Steps to Take Before Having a Baby posted at Master Your Card, saying, &#8220;Hiya - not really sure exactly which category this post [...]</description>
		<content:encoded><![CDATA[<p>[...] Your Card presents 10 Steps to Take Before Having a Baby posted at Master Your Card, saying, &#8220;Hiya &#8211; not really sure exactly which category this post [...]</p>
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		<title>By: Jonathan</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-2424</link>
		<dc:creator>Jonathan</dc:creator>
		<pubDate>Tue, 03 Jun 2008 20:32:37 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-2424</guid>
		<description>Sarah: Good call - at 24 you&#039;re still a baby yourself :) Well, not quite - but as you say you&#039;ve still got plenty of time.

I think you&#039;re right on about getting your finances in order first - that way you&#039;ll be able to enjoy parenthood all the more. 

Best of luck - it sounds like you&#039;ll make a great Mom!</description>
		<content:encoded><![CDATA[<p>Sarah: Good call &#8211; at 24 you&#8217;re still a baby yourself :) Well, not quite &#8211; but as you say you&#8217;ve still got plenty of time.</p>
<p>I think you&#8217;re right on about getting your finances in order first &#8211; that way you&#8217;ll be able to enjoy parenthood all the more. </p>
<p>Best of luck &#8211; it sounds like you&#8217;ll make a great Mom!</p>
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		<title>By: Jonathan</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-2423</link>
		<dc:creator>Jonathan</dc:creator>
		<pubDate>Tue, 03 Jun 2008 20:30:12 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-2423</guid>
		<description>Baz: I hear you! I&#039;m working on a post that will hopefully give you a couple of ideas for making some extra money on the side. Try not to let things get you down too much - keep reading the PF blogs and stay focused. It will pay off in the end, I promise!</description>
		<content:encoded><![CDATA[<p>Baz: I hear you! I&#8217;m working on a post that will hopefully give you a couple of ideas for making some extra money on the side. Try not to let things get you down too much &#8211; keep reading the PF blogs and stay focused. It will pay off in the end, I promise!</p>
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		<title>By: Sarah F.</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-2419</link>
		<dc:creator>Sarah F.</dc:creator>
		<pubDate>Tue, 03 Jun 2008 17:50:36 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-2419</guid>
		<description>Great post. My husband and I are totally in this mindset. We don&#039;t want to start a family until we&#039;ve paid off all of our consumer debt (about 8K), and bumped up our emergency fund. Sometimes I have a little bit of baby fever (we&#039;re 24 and 25, so we still have time), but remind myself that we really don&#039;t want the time, money, and attention spent worrying about paying these debts off to detract from the joy and excitement of having a new baby. First things first.</description>
		<content:encoded><![CDATA[<p>Great post. My husband and I are totally in this mindset. We don&#8217;t want to start a family until we&#8217;ve paid off all of our consumer debt (about 8K), and bumped up our emergency fund. Sometimes I have a little bit of baby fever (we&#8217;re 24 and 25, so we still have time), but remind myself that we really don&#8217;t want the time, money, and attention spent worrying about paying these debts off to detract from the joy and excitement of having a new baby. First things first.</p>
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		<title>By: Baz L</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-2418</link>
		<dc:creator>Baz L</dc:creator>
		<pubDate>Tue, 03 Jun 2008 17:12:20 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-2418</guid>
		<description>Lately, reading financial blogs only serves to depress me more :).

Because, it&#039;s come to a point where I&#039;m already doing everything in the suggestions that apply to my situation.

I go down through your list here and just keep thinking: did that, did that, doing that, I don&#039;t do that so I can&#039;t &lt;strong&gt;stop doing it&lt;/strong&gt;, etc.

At at the end of the day, I&#039;m still broke. :(

I guess it boils down to the magic recipe of personal finance: Save more or Make more. But the latter is far easier said than done. :(</description>
		<content:encoded><![CDATA[<p>Lately, reading financial blogs only serves to depress me more :).</p>
<p>Because, it&#8217;s come to a point where I&#8217;m already doing everything in the suggestions that apply to my situation.</p>
<p>I go down through your list here and just keep thinking: did that, did that, doing that, I don&#8217;t do that so I can&#8217;t <strong>stop doing it</strong>, etc.</p>
<p>At at the end of the day, I&#8217;m still broke. :(</p>
<p>I guess it boils down to the magic recipe of personal finance: Save more or Make more. But the latter is far easier said than done. :(</p>
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		<title>By: MyMoneyAdventure</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-2415</link>
		<dc:creator>MyMoneyAdventure</dc:creator>
		<pubDate>Tue, 03 Jun 2008 14:50:27 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-2415</guid>
		<description>Great post.  My Fiancee and I are looking to start a family in 4-6 years, so it is good we are on track.  We seem to be tackling everything you have listed fairly well.</description>
		<content:encoded><![CDATA[<p>Great post.  My Fiancee and I are looking to start a family in 4-6 years, so it is good we are on track.  We seem to be tackling everything you have listed fairly well.</p>
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		<title>By: Curt</title>
		<link>http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/comment-page-1/#comment-2409</link>
		<dc:creator>Curt</dc:creator>
		<pubDate>Tue, 03 Jun 2008 04:16:58 +0000</pubDate>
		<guid isPermaLink="false">http://masteryourcard.com/blog/2008/06/02/10-steps-to-take-before-having-a-baby/#comment-2409</guid>
		<description>Thanks for the post. We are having a baby next month, so we are in the process of getting everything ready.</description>
		<content:encoded><![CDATA[<p>Thanks for the post. We are having a baby next month, so we are in the process of getting everything ready.</p>
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