Dead-Head Delight: Free Grateful Dead Music Till Dec. 8

Things that are "free" on the web usually come with strings attached. But if you like the Dead, here's music to your ears - 30 free songs: really! […]

Coping with College Expenses

The following is a guest post from Marotta Asset Management. (Editor's note: The author is from Virginia, hence the reference at the end.) An old axiom states that nothing is certain except death and taxes. […]

Three Posters About Personal Finance

I’m a sucker for charts and graphs. I once attended an Edward Tufte course just for kicks. […]

Thank You For A Great November

I want to thank my readers for visiting No Credit Needed during the month of November. Back when I started this site – way back in 2005 – I had no idea that I would connect with (and be inspired by) so many folks.  I’ve said it before, but it needs to be said again:  You rock! I also want to thank my fellow personal finance bloggers, many of whom send readers from their sites to mine.  Linking to […]

Shop MasterCard MarketPlace For 20% to 50% Discounts

Earning or using rewards while you shop is no longer a novel idea. There are online cash back shopping sites that give you rewards when you go shopping through their portal. For instance, Ebates often holds double cash back events on special occasions. Go anywhere right about now and you’ll be inundated with holiday specials. Well, even card companies are getting in on the action. […]

Will the Bush Era Tax Cuts Be Extended?

In case you haven’t heard, the House of Representatives voted yesterday to extend the Bush-era tax cuts into 2011, but only for individuals making less than $200k and married couples making less than $250k. […]

Out With The Old, In With The New: Figure Out Your Biggest Mistake

Throughout the month of December, The Simple Dollar is posting a daily series focusing on specific activities you can do right now to set the stage for a great 2011. Out with the old, in with the new. 3. […]

Linking to Wikileaks Will Hurt Chances of Landing Federal Jobs

Linking to Wikileaks documents or commenting on them online may affect your chances of getting a job with the federal government, warns a recent email from Columbia University's Career Services Office to its students. The advice came from a Columbia alumnus who is working at the State Department. A Columbia University student forwarded me t […]

Citi Limited Time Holiday Student $50 Cash Back Offer

Students in need of a credit card for holiday spending or spring semester expenses can look at Citibank’s new limited-time offer. From now until January 15, 2011, Citi is offering a $50 cash bonus for their three major student credit cards, mtvU, Forward and Dividend. […]

Friday Finance Findings for December 3rd

We are finally approaching the end of another year, and it’s always a busy time for most of us. The holidays keep us busy and can often do damage to the budget as well. So, there’s no better time than now to start brushing up on some finance tips to get you geared up for the coming new year. […]

Making It All Work – Getting Perspective: Gracie’s Gardens Revisited

This is the eighteenth entry in a twenty part series discussing the wonderful time and priority management book Making It All Work by David Allen. […]

How Parents Save Money at Costco

Many of our friends are big Costco shoppers and for years talked about how much money they saved at Costco. They couldn't believe that we weren't members and encouraged us to join. […]

The Importance of Friendly Letters

Today's youth are experts when it comes to using technology to keep in touch with their friends and family, but they are lacking some important etiquette skills like writing friendly letters. […]

That Sneaky Bank Almost Got Me

It was as much luck as anything else, but I just managed to avoid $30 in bank charges. It's a good example of rule number one for avoiding bank fees: pay attention.  I'd actually gotten the document with the details I needed to know a month ago. I'd even looked at it. […]

Personal Balance Sheet, November 2010 ($494,715, +6.1%)

If you’ve been following Consumerism Commentary for some time, you may know that I post my balance sheet at the beginning of each month. I take this time to review my finances and determine whether I’m moving forward. In addition to my balance sheet, I review my expenses and income.I’ve been posting these monthly updates for more than seven years, with only a few breaks during that time. […]

Your Take: Should Online Purchases Be Taxed?

Right now, sales tax is only collected on online purchases if the vendor has a presence in your state. In the case of Amazon, sales tax is collected if the purchases are shipped to Kansas, Kentucky, New York, North Dakota, and Washington. […]

Ask the Readers: How Do You Build a Wardrobe on a Budget?

If you were building your wardrobe from scratch, how would you do it? Would you prioritize quality? Would you emphasize cost? Or is there some happy balance between the two? That’s what GRS reader author J.D. wants to know. He writes: I’m a 40-something guy who’s lost 40-something pounds over the past year. This is a good thing. But now my old clothes don’t fit. […]

Buying Coins From the Mint

Last night, I finally sat down and placed an order for some Presidential dollar coins from the US Mint. As I noted in a previous post, I’m very close to breaking through a reward tier on my Amex Delta credit card. In short, once I hit the prescribed spending level, I’ll receive a block of 10k bonus miles. But these aren’t regular bonus miles. […]

Americans Trying to Save Money by Cutting Back

Here are the results of a survey taken this past October that show Americans are cutting back on certain purchases to save money. 3,000 people were asked what money-saving techniques they’d used in the past six months and the results were compared to answers from June 2009. […]