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      <title>Top Ten by Isabelle Cress</title>
      <link>https://padlet.com/isabellecress/y2nqvsxr6cv4</link>
      <description>Money Managment</description>
      <language>en-us</language>
      <pubDate>2017-03-17 04:41:28 UTC</pubDate>
      <lastBuildDate>2017-03-18 04:34:17 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Number Ten</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160818070</link>
         <description><![CDATA[<div>Be sure you know everything you can about the specific creditor before you go into any agreement with them.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-17 14:57:57 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160818070</guid>
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      <item>
         <title>Number Seven</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160821078</link>
         <description><![CDATA[<div>When signing with a creditor or a credit company, get the best protection plan you can get and afford.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-17 15:08:20 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160821078</guid>
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         <title>Number Nine</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160823571</link>
         <description><![CDATA[<div>Educate yourself about the dangers of fraud while taking every precaution possible.</div>]]></description>
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         <pubDate>2017-03-17 15:16:18 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160823571</guid>
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         <title>Number Eight</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160827284</link>
         <description><![CDATA[<div>Make yourself aware of your consumer/customer rights, no matter what creditor you are using.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-17 15:28:10 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160827284</guid>
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         <title>Number Six</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160866526</link>
         <description><![CDATA[<div>Check your balances and spending as often as possible to make sure there are no mistakes. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-17 18:02:53 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160866526</guid>
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      <item>
         <title>Number Five</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160868978</link>
         <description><![CDATA[<div>Before you sign with a creditor or a credit company be sure that you are being treated fairly as a consumer/customer.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-17 18:12:59 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160868978</guid>
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         <title>Number Four</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160869413</link>
         <description><![CDATA[<div>When you owe debt, be sure of all the risks you're taking by doing so (debt collectors, credit score lowering, and many other factors).</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-17 18:14:49 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160869413</guid>
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      <item>
         <title>Number Three</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160905131</link>
         <description><![CDATA[<div>Research the after entry APR increases or decreases. As well as the late fees </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-18 00:47:45 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160905131</guid>
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      <item>
         <title>Number Two</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160909645</link>
         <description><![CDATA[<div>Make sure you have a lawyer to help with all the potential legal work dealing with credit (debts, fraud, mistakes, etc..)</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-18 04:11:09 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160909645</guid>
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      <item>
         <title>Number One</title>
         <author>isabellecress</author>
         <link>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160909919</link>
         <description><![CDATA[<div>The best advice that I like to use is to not accumulate more debt than you can afford. You don't want to dig yourself  whole deeper than what you can get out of.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-03-18 04:26:12 UTC</pubDate>
         <guid>https://padlet.com/isabellecress/y2nqvsxr6cv4/wish/160909919</guid>
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