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	<title>Comments on: Have you had an IHHE Moment?</title>
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	<description>Personal Finances Blog Personal Finance Tools Dave Ramsey David Bach Robert Kiyosaki Debt Relief Investing Compound Interest Saving</description>
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		<title>By: JosephSangl.com &#187; 5 Ways Joe Sangl Has FAILED With Money &#8211; Living With No Margin</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-439419</link>
		<dc:creator>JosephSangl.com &#187; 5 Ways Joe Sangl Has FAILED With Money &#8211; Living With No Margin</dc:creator>
		<pubDate>Fri, 27 May 2011 06:01:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-439419</guid>
		<description>[...] have NEVER established financial margin, YOU HAVE NO IDEA what this means.Â  I had experienced my IHHE Moment on December 2, 2002.Â  Living with no margin means that you are constantly faced with surprise and [...]</description>
		<content:encoded><![CDATA[<p>[...] have NEVER established financial margin, YOU HAVE NO IDEA what this means.Â  I had experienced my IHHE Moment on December 2, 2002.Â  Living with no margin means that you are constantly faced with surprise and [...]</p>
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	<item>
		<title>By: Donna</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-437780</link>
		<dc:creator>Donna</dc:creator>
		<pubDate>Mon, 23 May 2011 20:44:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-437780</guid>
		<description>My husband and I have heard you speak several times. I don&#039;t recall when my exact IHHE moment. I do know that with our careers we should NOT have been living pay check to pay check. We took your tools and your lessons and applied them and are almost out of debt (car and house).  We do not use credit cards anymore. Since applying your tools and ideas we have been able to be in control of our money. We give more to our church and charity. We were able to pay cash for an adoption. I have gone back to school to work on additional degrees required for pay increases, and we pay cash each semester. It is nice to no longer be a slave to debt.</description>
		<content:encoded><![CDATA[<p>My husband and I have heard you speak several times. I don&#8217;t recall when my exact IHHE moment. I do know that with our careers we should NOT have been living pay check to pay check. We took your tools and your lessons and applied them and are almost out of debt (car and house).  We do not use credit cards anymore. Since applying your tools and ideas we have been able to be in control of our money. We give more to our church and charity. We were able to pay cash for an adoption. I have gone back to school to work on additional degrees required for pay increases, and we pay cash each semester. It is nice to no longer be a slave to debt.</p>
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	<item>
		<title>By: JosephSangl.com &#187; SERIES: Working Together To Win With Money - Part 1</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-176623</link>
		<dc:creator>JosephSangl.com &#187; SERIES: Working Together To Win With Money - Part 1</dc:creator>
		<pubDate>Mon, 22 Sep 2008 08:02:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-176623</guid>
		<description>[...] If you have a financial mess, it is time to have an IHHE Moment - read HERE [...]</description>
		<content:encoded><![CDATA[<p>[...] If you have a financial mess, it is time to have an IHHE Moment &#8211; read HERE [...]</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: I Was Broke.  Now I'm Not!</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-111732</link>
		<dc:creator>I Was Broke.  Now I'm Not!</dc:creator>
		<pubDate>Mon, 17 Mar 2008 13:50:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-111732</guid>
		<description>&lt;strong&gt;Share YOUR Success Story!&lt;/strong&gt;

I love hearing the success stories of those who have had their IHHE Moment and began the journey to debt freedom!



Would you take the time to inspire others with your success story?  Click the blue &quot;Success Stories&quot; box above and share your sto...</description>
		<content:encoded><![CDATA[<p><strong>Share YOUR Success Story!</strong></p>
<p>I love hearing the success stories of those who have had their IHHE Moment and began the journey to debt freedom!</p>
<p>Would you take the time to inspire others with your success story?  Click the blue &#8220;Success Stories&#8221; box above and share your sto&#8230;</p>
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	</item>
	<item>
		<title>By: I Was Broke.  Now I'm Not!</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-108616</link>
		<dc:creator>I Was Broke.  Now I'm Not!</dc:creator>
		<pubDate>Wed, 05 Mar 2008 13:29:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-108616</guid>
		<description>&lt;strong&gt;Marching To Debt Freedom - Couple #1 - Month 06&lt;/strong&gt;

Introduction
Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now SIX months into their march.  Here is this month&#039;s update.

What went well this month …
WOW! This is like when you can fit int...</description>
		<content:encoded><![CDATA[<p><strong>Marching To Debt Freedom &#8211; Couple #1 &#8211; Month 06</strong></p>
<p>Introduction<br />
Couple #1 is THROUGH with debt!  They have been married for many years and have two children.  They are now SIX months into their march.  Here is this month&#8217;s update.</p>
<p>What went well this month …<br />
WOW! This is like when you can fit int&#8230;</p>
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	</item>
	<item>
		<title>By: I Was Broke.  Now I'm Not!</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-105706</link>
		<dc:creator>I Was Broke.  Now I'm Not!</dc:creator>
		<pubDate>Tue, 26 Feb 2008 14:13:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-105706</guid>
		<description>&lt;strong&gt;$4.99 Mac-n-Cheese&lt;/strong&gt;

I HAVE HAD ENOUGH!

I had an IHHE Moment recently.



My family traveled up to Burlington, NC to teach the Financial Learning Experience.  We arrived on Saturday evening and went out to get dinner.

My lovely bride spotted a restaurant that doe...</description>
		<content:encoded><![CDATA[<p><strong>$4.99 Mac-n-Cheese</strong></p>
<p>I HAVE HAD ENOUGH!</p>
<p>I had an IHHE Moment recently.</p>
<p>My family traveled up to Burlington, NC to teach the Financial Learning Experience.  We arrived on Saturday evening and went out to get dinner.</p>
<p>My lovely bride spotted a restaurant that doe&#8230;</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: I Was Broke.  Now I'm Not!</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-56268</link>
		<dc:creator>I Was Broke.  Now I'm Not!</dc:creator>
		<pubDate>Tue, 13 Nov 2007 14:17:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-56268</guid>
		<description>&lt;strong&gt;Another couple has started their Debt March!&lt;/strong&gt;

So Robert and Helena have joined the ranks of those marching toward debt freedom!

Today, Robert and Helena brought me this picture of their credit cards.



They SHREDDED their credit cards to spell the words &quot;NO NEW DEBT!!!&quot;

And guess what...</description>
		<content:encoded><![CDATA[<p><strong>Another couple has started their Debt March!</strong></p>
<p>So Robert and Helena have joined the ranks of those marching toward debt freedom!</p>
<p>Today, Robert and Helena brought me this picture of their credit cards.</p>
<p>They SHREDDED their credit cards to spell the words &#8220;NO NEW DEBT!!!&#8221;</p>
<p>And guess what&#8230;</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: JosephSangl.com &#187;</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-56157</link>
		<dc:creator>JosephSangl.com &#187;</dc:creator>
		<pubDate>Tue, 13 Nov 2007 02:07:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-56157</guid>
		<description>[...] Have you had an IHHE Moment? [...]</description>
		<content:encoded><![CDATA[<p>[...] Have you had an IHHE Moment? [...]</p>
]]></content:encoded>
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	<item>
		<title>By: Sistah Ant</title>
		<link>http://www.josephsangl.com/2007/11/08/have-you-had-an-ihhe-moment/comment-page-1/#comment-55339</link>
		<dc:creator>Sistah Ant</dc:creator>
		<pubDate>Fri, 09 Nov 2007 19:53:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.josephsangl.com/?p=488#comment-55339</guid>
		<description>My IHHE moment was when I realized that my debt was almost the equivalent of two years of my salary.  I knew my future was shot if I didn&#039;t start taking action.  I said to myself, &quot;This is as bad as my finances will EVER be!&quot;  I meant it, I&#039;m changing, and everyone I know is tired of hearing about it.</description>
		<content:encoded><![CDATA[<p>My IHHE moment was when I realized that my debt was almost the equivalent of two years of my salary.  I knew my future was shot if I didn&#8217;t start taking action.  I said to myself, &#8220;This is as bad as my finances will EVER be!&#8221;  I meant it, I&#8217;m changing, and everyone I know is tired of hearing about it.</p>
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