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	<title>Comments on: Developing a Snowflaking Mentality</title>
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	<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/</link>
	<description>Frugal living and debt reduction tips for a better financial future.  This is one family's story.</description>
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		<title>By: Trisha Donaldson</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-367161</link>
		<dc:creator>Trisha Donaldson</dc:creator>
		<pubDate>Tue, 21 Jun 2011 15:04:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-367161</guid>
		<description>THANK YOU!  The devil is always in the details and your article has helped me to really be motivated on my debt free project.  Just to give you a 50K overview..I am 66 and we purchased a house about 3 years ago and moved to the mountains - along way out in the country.  The company I worked for (from home) went bankrupt and I got behind on my mortgage..so I went for a modification.  The payment did come down but they put us on a FORTY YEAR mortgage.  I would be 106 when it is paid off...but with a good debt reduction plan...it will be paid off in less than 10 years...or sooner with snowflakes!!!</description>
		<content:encoded><![CDATA[<p>THANK YOU!  The devil is always in the details and your article has helped me to really be motivated on my debt free project.  Just to give you a 50K overview..I am 66 and we purchased a house about 3 years ago and moved to the mountains &#8211; along way out in the country.  The company I worked for (from home) went bankrupt and I got behind on my mortgage..so I went for a modification.  The payment did come down but they put us on a FORTY YEAR mortgage.  I would be 106 when it is paid off&#8230;but with a good debt reduction plan&#8230;it will be paid off in less than 10 years&#8230;or sooner with snowflakes!!!</p>
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		<title>By: Steve in W MA</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-146007</link>
		<dc:creator>Steve in W MA</dc:creator>
		<pubDate>Wed, 31 Mar 2010 09:10:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-146007</guid>
		<description>@ &quot;I’ve had one (credit card account) that I could make as many payments as I wanted (CapitalOne) and one that I am limited to 4 payments per billing cycle (Citi).&quot;

Strictly speaking, this is most likely a cap on electronic payments that you have them initiate through their own website. It&#039;s very unlikely (and probably illegal) for a credit card company to  put a cap on how many times you pay them electronically if you originate the payment from your own checking account.</description>
		<content:encoded><![CDATA[<p>@ &#8220;I’ve had one (credit card account) that I could make as many payments as I wanted (CapitalOne) and one that I am limited to 4 payments per billing cycle (Citi).&#8221;</p>
<p>Strictly speaking, this is most likely a cap on electronic payments that you have them initiate through their own website. It&#8217;s very unlikely (and probably illegal) for a credit card company to  put a cap on how many times you pay them electronically if you originate the payment from your own checking account.</p>
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		<title>By: Good posts from last week. &#124; rocket finance</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-142085</link>
		<dc:creator>Good posts from last week. &#124; rocket finance</dc:creator>
		<pubDate>Wed, 10 Mar 2010 00:32:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-142085</guid>
		<description>[...] all can get something from another snowflake post by Jaime at I&#8217;ve Paid for This Twice Already. Join the snowflake [...]</description>
		<content:encoded><![CDATA[<p>[...] all can get something from another snowflake post by Jaime at I&#8217;ve Paid for This Twice Already. Join the snowflake [...]</p>
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		<title>By: Financial Planning- Snowflakes &#124; Dare2Shine</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-117403</link>
		<dc:creator>Financial Planning- Snowflakes &#124; Dare2Shine</dc:creator>
		<pubDate>Sun, 16 Aug 2009 20:29:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-117403</guid>
		<description>[...] love to hear your thoughts on this. Simplemom also referred me to another site, paidtwice, who breaks the snowball theory down into smaller steps of any amount of money called [...]</description>
		<content:encoded><![CDATA[<p>[...] love to hear your thoughts on this. Simplemom also referred me to another site, paidtwice, who breaks the snowball theory down into smaller steps of any amount of money called [...]</p>
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		<title>By: Kim</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-70345</link>
		<dc:creator>Kim</dc:creator>
		<pubDate>Sat, 27 Dec 2008 16:31:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-70345</guid>
		<description>I don&#039;t know how I missed this post the first time around (found the link on www.GreenPandaTreehouse.com.)  Just wanted to let you know how much I like this concept.  It is simple and so easy to visualize.  Almost makes saving money a zen-like experience. Thanks!</description>
		<content:encoded><![CDATA[<p>I don&#8217;t know how I missed this post the first time around (found the link on <a href="http://www.GreenPandaTreehouse.com" rel="nofollow">http://www.GreenPandaTreehouse.com</a>.)  Just wanted to let you know how much I like this concept.  It is simple and so easy to visualize.  Almost makes saving money a zen-like experience. Thanks!</p>
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		<title>By: 2008 Best Personal Finance Posts &#8212; Green Panda Treehouse</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-70252</link>
		<dc:creator>2008 Best Personal Finance Posts &#8212; Green Panda Treehouse</dc:creator>
		<pubDate>Sat, 27 Dec 2008 09:38:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-70252</guid>
		<description>[...] Developing A Snowflaking Mentality [...]</description>
		<content:encoded><![CDATA[<p>[...] Developing A Snowflaking Mentality [...]</p>
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		<title>By: How I Started Snowflaking &#124; I've Paid For This Twice Already...</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-22069</link>
		<dc:creator>How I Started Snowflaking &#124; I've Paid For This Twice Already...</dc:creator>
		<pubDate>Thu, 10 Apr 2008 10:05:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-22069</guid>
		<description>[...] paid random amounts of money to different debts in the past, but it took more than that for me to become a snowflaker.  For a few years before I learned about and actually started snowflaking, I would randomly throw [...]</description>
		<content:encoded><![CDATA[<p>[...] paid random amounts of money to different debts in the past, but it took more than that for me to become a snowflaker.  For a few years before I learned about and actually started snowflaking, I would randomly throw [...]</p>
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		<title>By: Investment Snowflaking at MSN</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-20411</link>
		<dc:creator>Investment Snowflaking at MSN</dc:creator>
		<pubDate>Fri, 21 Mar 2008 18:43:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-20411</guid>
		<description>[...] Developing a Snowflaking Mentality at Paid Twice [...]</description>
		<content:encoded><![CDATA[<p>[...] Developing a Snowflaking Mentality at Paid Twice [...]</p>
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		<title>By: 7 Key Factors to Build Successful Alternative Income Streams &#124; Moolanomy</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-19970</link>
		<dc:creator>7 Key Factors to Build Successful Alternative Income Streams &#124; Moolanomy</dc:creator>
		<pubDate>Mon, 17 Mar 2008 13:00:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-19970</guid>
		<description>[...] by little &#8211; The nice thing about diversifying and having a lot of income streams is that little things do add up to a lot. Just like they said, &#8220;A dollar here, a dollar there. The savings add up&#8221; &#8212; in [...]</description>
		<content:encoded><![CDATA[<p>[...] by little &#8211; The nice thing about diversifying and having a lot of income streams is that little things do add up to a lot. Just like they said, &#8220;A dollar here, a dollar there. The savings add up&#8221; &#8212; in [...]</p>
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		<title>By: Frequent Snowflakes a Snowstorm Makes - The Snowflake Revolution Has Begun</title>
		<link>http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-19957</link>
		<dc:creator>Frequent Snowflakes a Snowstorm Makes - The Snowflake Revolution Has Begun</dc:creator>
		<pubDate>Mon, 17 Mar 2008 10:58:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.paidtwice.com/2008/01/24/developing-a-snowflaking-mentality/#comment-19957</guid>
		<description>[...] snowflaking to be effective, it needs to be frequent. There are different levels of frequency of course, and different abilities at different times. [...]</description>
		<content:encoded><![CDATA[<p>[...] snowflaking to be effective, it needs to be frequent. There are different levels of frequency of course, and different abilities at different times. [...]</p>
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