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		By: Step 1 to Debt Freedom: How to Create a Zero-Based Budget		</title>
		<link>https://milkandhoney.blog/my-finance-journey-3/#comment-15</link>

		<dc:creator><![CDATA[Step 1 to Debt Freedom: How to Create a Zero-Based Budget]]></dc:creator>
		<pubDate>Mon, 07 Jul 2025 12:58:57 +0000</pubDate>
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					<description><![CDATA[[&#8230;] Okay, if you’re new here, welcome to my Finance Journey. [&#8230;]]]></description>
			<content:encoded><![CDATA[<p>[&#8230;] Okay, if you’re new here, welcome to my Finance Journey. [&#8230;]</p>
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