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	<title>Pass The Torch &#187; Self-Improvement</title>
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	<link>http://2passthetorch.com</link>
	<description>The better ME I can be, the better MOM I can be.</description>
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		<title>If I Had One Month to Live</title>
		<link>http://2passthetorch.com/2009/12/27/if-i-had-one-month-to-live-2/</link>
		<comments>http://2passthetorch.com/2009/12/27/if-i-had-one-month-to-live-2/#comments</comments>
		<pubDate>Sun, 27 Dec 2009 22:48:29 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[Stuff that Matters]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/?p=1990</guid>
		<description><![CDATA[Originally published October 2008.
My friend Genny is hosting a thoughtful project this month, based on a book she read entitled, One Month to Live.  Although I certainly won&#8217;t know when my 30 day clock will begin, it&#8217;s an interesting prospect to consider how I&#8217;d use my time.
In high school I made a &#8220;life list&#8221; [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/12/27/if-i-had-one-month-to-live-2/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Mortgage Payoff 101 &#8211; Lessons Learned</title>
		<link>http://2passthetorch.com/2009/10/19/mortgage-payoff-101-lessons-learned/</link>
		<comments>http://2passthetorch.com/2009/10/19/mortgage-payoff-101-lessons-learned/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 16:10:14 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Passing the Torch]]></category>
		<category><![CDATA[Readers' Favorites]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[Stuff that Matters]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/?p=1857</guid>
		<description><![CDATA[If you&#8217;ve been reading this series, you know our goal is to have our second mortgage paid off within a year.  Part One in this series is here.
You may think our plan is silly, or unattainable. You may think we&#8217;ve been frivolous in the past &#8211; or that the cuts we&#8217;re making are ludicrous. [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/10/19/mortgage-payoff-101-lessons-learned/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Mortgage Payoff 101 &#8211; Sell Your Stuff</title>
		<link>http://2passthetorch.com/2009/10/12/mortgage-payoff-101-sell-your-stuff/</link>
		<comments>http://2passthetorch.com/2009/10/12/mortgage-payoff-101-sell-your-stuff/#comments</comments>
		<pubDate>Mon, 12 Oct 2009 13:15:55 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/?p=1728</guid>
		<description><![CDATA[This is Part Four of my series outlining our plan for paying off our second mortgage in the next year.  Part One is here.
If you&#8217;ve been following along on my series, it&#8217;s quite possible you find yourself in a similar situation to mine:  you spent a lot of years accumulating stuff you don&#8217;t [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/10/12/mortgage-payoff-101-sell-your-stuff/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Mortgage Payoff 101 &#8211; The Credit Card Bill</title>
		<link>http://2passthetorch.com/2009/09/29/mortgage-payoff-101-the-credit-card-bill/</link>
		<comments>http://2passthetorch.com/2009/09/29/mortgage-payoff-101-the-credit-card-bill/#comments</comments>
		<pubDate>Tue, 29 Sep 2009 14:06:04 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[saving]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/?p=1727</guid>
		<description><![CDATA[This is part three of my series showing how we&#8217;ll pay off our second mortgage in the next year.  Part one is here.

We live on our credit card.  
Everything we purchase goes on it – even our utility bills &#8212; and we pay it off in full when we receive the bill each [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/09/29/mortgage-payoff-101-the-credit-card-bill/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Mortgage Payoff 101 &#8211; Monthly Charges</title>
		<link>http://2passthetorch.com/2009/09/22/mortgage-payoff-101-monthly-charges-2/</link>
		<comments>http://2passthetorch.com/2009/09/22/mortgage-payoff-101-monthly-charges-2/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 17:08:09 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/?p=1781</guid>
		<description><![CDATA[In Part One of Mortgage Payoff 101, I explained our family&#8217;s goal of paying off our second mortgage within the next 12 months.
In this second part of the series, I&#8217;d like to address one of the principles that has helped us to make this goal a very real possibility &#8211; evaluating monthly charges.
I discovered we [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/09/22/mortgage-payoff-101-monthly-charges-2/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Mortgage Payoff 101 &#8211; Getting Started</title>
		<link>http://2passthetorch.com/2009/09/15/mortgage-payoff-101-getting-started-2/</link>
		<comments>http://2passthetorch.com/2009/09/15/mortgage-payoff-101-getting-started-2/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 00:04:34 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Order from Chaos]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[Stuff that Matters]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/?p=1761</guid>
		<description><![CDATA[When we moved to our current school district two years ago, we bought a house there, without selling the previous one.  This meant we ended up with two mortgages &#8211; one humongous and the other on a 10-year track to payoff.  This necessitated the serious need for a budget.
We&#8217;ve always considered ourselves pretty [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/09/15/mortgage-payoff-101-getting-started-2/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>A Joyful Idea &#8211; Donating School Supplies</title>
		<link>http://2passthetorch.com/2009/08/11/a-joyful-idea-donating-school-supplies/</link>
		<comments>http://2passthetorch.com/2009/08/11/a-joyful-idea-donating-school-supplies/#comments</comments>
		<pubDate>Tue, 11 Aug 2009 12:55:23 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[*Empowerment]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[Stuff that Matters]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[donation]]></category>
		<category><![CDATA[school]]></category>
		<category><![CDATA[supplies]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/2009/08/11/a-joyful-idea-donating-school-supplies/</guid>
		<description><![CDATA[It&#8217;s our year to host Christmas for my husband&#8217;s family, and rather than exchanging gifts, we&#8217;ve decided to play a game with &#8220;white elephant&#8221; gifts and put our cash to better use.  
In his letter to family, my husband wrote about a population he serves as principal in his rural Northwestern Wisconsin school district:
I [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/08/11/a-joyful-idea-donating-school-supplies/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Billboard to Boat Cover &#8211; Ultimate Recycle</title>
		<link>http://2passthetorch.com/2009/07/21/billboard-to-boat-cover-ultimate-recycle/</link>
		<comments>http://2passthetorch.com/2009/07/21/billboard-to-boat-cover-ultimate-recycle/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 13:03:16 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[boat lift]]></category>
		<category><![CDATA[recycling]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/2009/07/21/billboard-to-boat-cover-ultimate-recycle/</guid>
		<description><![CDATA[Our boat lift cover had disintegrated a couple years ago, and we&#8217;d been getting by with large tarps.  But the wind that comes across our wide part of the lake was far too great for the thin vinyl.  We were unwilling to purchase a new cover, since the cheapest one we could find [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/07/21/billboard-to-boat-cover-ultimate-recycle/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kelly&#8217;s Excellent Summer Book List</title>
		<link>http://2passthetorch.com/2009/06/30/kellys-excellent-summer-book-list/</link>
		<comments>http://2passthetorch.com/2009/06/30/kellys-excellent-summer-book-list/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 13:14:53 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Self-Improvement]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/2009/06/30/kellys-excellent-summer-book-list/</guid>
		<description><![CDATA[Summer seems to be the only season I take the time to read books for pleasure.  I&#8217;m pretty selective about what I pick up, since I only have those few weeks to get my annual page count read, so I only read what&#8217;s tried and true &#8211; and highly recommended by people I respect. [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/06/30/kellys-excellent-summer-book-list/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My 40-Year-Old Self Gives My 30-Self a Hug</title>
		<link>http://2passthetorch.com/2009/04/06/my-40-year-old-self-gives-my-30-self-a-hug/</link>
		<comments>http://2passthetorch.com/2009/04/06/my-40-year-old-self-gives-my-30-self-a-hug/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 11:00:59 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Hundred things]]></category>
		<category><![CDATA[Readers' Favorites]]></category>
		<category><![CDATA[Self-Improvement]]></category>
		<category><![CDATA[Stuff that Matters]]></category>
		<category><![CDATA[40 years old]]></category>
		<category><![CDATA[letter to myself]]></category>

		<guid isPermaLink="false">http://2passthetorch.com/2009/04/06/my-40-year-old-self-gives-my-30-self-a-hug/</guid>
		<description><![CDATA[Dear 30-Year-Old Self,
Today we turn 40.
There are a lot of things I wish I could tell you. 
For you, the next decade will be a roller-coaster ride, with exhilarating opportunity and success, coupled with stressful self-doubt and sadness.
I would encourage you to slow down, but that simply isn&#8217;t your personality right now.  You&#8217;ll drive [...]]]></description>
		<wfw:commentRss>http://2passthetorch.com/2009/04/06/my-40-year-old-self-gives-my-30-self-a-hug/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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