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        <title>Credit Tips | Consumer Credit Counseling Service of Rochester</title>
        <link>http://www.cccsofrochester.org</link>
        <description>CCCS of Rochester, NY is a leading provider of credit counseling, financial education and debt repayment plans. We are a non-profit 501(3)-community service organization that is accredited by the Council on Accreditation for Children and Family Services. </description>
        <language>en-us</language>
        <item>
            <title><![CDATA[CARE Program- Credit Abuse Resistance Education]]></title>
            <link>http://www.cccsofrochester.org/tips/24/CARE_Program-_Credit_Abuse_Resistance_Education/</link>
            <description><![CDATA[CARE Program provides financial education to students.]]></description>
            <pubDate>Tue, 28 Apr 2009 11:19:26 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/24/</guid>
        </item>
        <item>
            <title><![CDATA[New Years Resolution- Improve your “Financial Fitness”]]></title>
            <link>http://www.cccsofrochester.org/tips/15/New_Years_Resolution-_Improve_your_%E2%80%9CFinancial_Fitness%E2%80%9D/</link>
            <description><![CDATA[If you are like most people, you have made some sort of New Year’s resolution.  Most people will resolve to eat better, exercise more and quit smoking.  Although each of these ha]]></description>
            <pubDate>Thu, 01 Jan 2009 13:08:44 EST</pubDate>
            <guid>http://www.cccsofrochester.org/tips/15/</guid>
        </item>
        <item>
            <title><![CDATA[Information about settlement companies]]></title>
            <link>http://www.cccsofrochester.org/tips/23/Information_about_settlement_companies/</link>
            <description><![CDATA[What debt settlement companies don't want you to know]]></description>
            <pubDate>Tue, 16 Dec 2008 12:11:22 EST</pubDate>
            <guid>http://www.cccsofrochester.org/tips/23/</guid>
        </item>
        <item>
            <title><![CDATA[HOW TO SUCCESSFULLY MANAGE YOUR CHECKING ACCOUNT]]></title>
            <link>http://www.cccsofrochester.org/tips/14/HOW_TO_SUCCESSFULLY_MANAGE_YOUR_CHECKING_ACCOUNT/</link>
            <description><![CDATA[         To manage your checking account successfully, it is necessary to understand two basic components:Check writingAccount balancingLet's get startedPrepare your checkbookInser]]></description>
            <pubDate>Sun, 07 Sep 2008 11:22:53 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/14/</guid>
        </item>
        <item>
            <title><![CDATA[How to Create a Budget and Stick to it]]></title>
            <link>http://www.cccsofrochester.org/tips/3/How_to_Create_a_Budget_and_Stick_to_it/</link>
            <description><![CDATA[Do you find yourself unable to put money away every month? Does the fear of an unexpected household or vehicle expense keep you awake at night? Are you sick of living life pay chec]]></description>
            <pubDate>Mon, 04 Aug 2008 11:22:28 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/3/</guid>
        </item>
        <item>
            <title><![CDATA[Recognize the early warning signs of debt trouble]]></title>
            <link>http://www.cccsofrochester.org/tips/6/Recognize_the_early_warning_signs_of_debt_trouble/</link>
            <description><![CDATA[You may be approaching a debt crisis if you are experiencing these signs.  You&rsquo;re behind on the the basics, like your mortgage or rent and utilities.  You&rsquo;re skipping s]]></description>
            <pubDate>Sat, 01 Mar 2008 11:29:33 EST</pubDate>
            <guid>http://www.cccsofrochester.org/tips/6/</guid>
        </item>
        <item>
            <title><![CDATA[Save Money At The Grocery Store Without Coupons]]></title>
            <link>http://www.cccsofrochester.org/tips/8/Save_Money_At_The_Grocery_Store_Without_Coupons/</link>
            <description><![CDATA[Very often when you go to the grocery store armed with your fistful of coupons, you find that the grocery bill is still higher than you wanted it to be.  If you look at the coupons]]></description>
            <pubDate>Thu, 27 Dec 2007 08:17:36 EST</pubDate>
            <guid>http://www.cccsofrochester.org/tips/8/</guid>
        </item>
        <item>
            <title><![CDATA[Develop a diversified savings plan]]></title>
            <link>http://www.cccsofrochester.org/tips/5/Develop_a_diversified_savings_plan/</link>
            <description><![CDATA[Savings should not be limited to retirement planning.  It’s important to save for a down payment to purchase a home or vehicle and other items like uncovered medical expenses.  M]]></description>
            <pubDate>Mon, 15 Oct 2007 00:00:00 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/5/</guid>
        </item>
        <item>
            <title><![CDATA[How to Dispute Credit Report Errors]]></title>
            <link>http://www.cccsofrochester.org/tips/12/How_to_Dispute_Credit_Report_Errors/</link>
            <description><![CDATA[Obtain a credit report from the three nationwide consumer reporting companies: Equifax, Experian and Transunion.In writing, tell the consumer reporting company the inaccurate infor]]></description>
            <pubDate>Mon, 01 Oct 2007 08:19:48 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/12/</guid>
        </item>
        <item>
            <title><![CDATA[How to Improve Your Credit.]]></title>
            <link>http://www.cccsofrochester.org/tips/11/How_to_Improve_Your_Credit./</link>
            <description><![CDATA[Your credit history is maintained by companies called credit bureaus; they collect information reported to them by banks, mortgage companies, department stores, and other creditors]]></description>
            <pubDate>Fri, 07 Sep 2007 08:21:06 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/11/</guid>
        </item>
        <item>
            <title><![CDATA[Money Saving Strategies for College Students]]></title>
            <link>http://www.cccsofrochester.org/tips/9/Money_Saving_Strategies_for_College_Students/</link>
            <description><![CDATA[The cost of higher education is increasing each year, taking that into account, here are some money saving strategies for college students.When buying books for classes buy used bo]]></description>
            <pubDate>Sat, 25 Aug 2007 09:55:38 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/9/</guid>
        </item>
        <item>
            <title><![CDATA[How is a Credit Score Calculated?]]></title>
            <link>http://www.cccsofrochester.org/tips/16/How_is_a_Credit_Score_Calculated%3F/</link>
            <description><![CDATA[How Is a Credit Score Calculated?The most widely used credit scores are based on the Fair Isaac &amp; Co. (FICO) credit scoring model. FICO develops credit scores based solely on i]]></description>
            <pubDate>Sat, 21 Jul 2007 10:09:39 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/16/</guid>
        </item>
        <item>
            <title><![CDATA[Don't suffer in silence, take action and get help]]></title>
            <link>http://www.cccsofrochester.org/tips/7/Don%27t_suffer_in_silence%2C_take_action_and_get_help/</link>
            <description><![CDATA[Call your creditors or seek helpful credit counseling.  Don't be afraid to call your creditors.  As soon as you know you're going to have problems contact your creditors and explai]]></description>
            <pubDate>Sat, 17 Mar 2007 09:57:31 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/tips/7/</guid>
        </item>
        <item>
            <title><![CDATA[Keep more of your money.]]></title>
            <link>http://www.cccsofrochester.org/tips/10/Keep_more_of_your_money./</link>
            <description><![CDATA[Being part of debt management program with C.C.C.S. is a step toward becoming debt free. While in the process of becoming debt free, we would like to offer a few suggestions to hel]]></description>
            <pubDate>Mon, 01 Jan 2007 10:03:14 EST</pubDate>
            <guid>http://www.cccsofrochester.org/tips/10/</guid>
        </item>
        <item>
            <title><![CDATA[Prioritize your expenses and spending]]></title>
            <link>http://www.cccsofrochester.org/tips/4/Prioritize_your_expenses_and_spending/</link>
            <description><![CDATA[After writing down your expenses, prioritize each expense based on your needs versus your wants.  Set spending limits and determine estimated costs for each expense.  If additional]]></description>
            <pubDate>Tue, 17 Jan 2006 00:00:00 EST</pubDate>
            <guid>http://www.cccsofrochester.org/tips/4/</guid>
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