Guide To Commuter Bikes: Bicycle Commuting Saves Money and The Environment

I’d like to present to you a really cool article on how to cut costs on your commute. It’s a great guest post from, which covers eco-friendly solutions to living, using the right kind of products. You can subscribe to their feed here. We cover a lot of cutting-edge green products at […]

Review: Stimulated!

Every other Sunday, The Simple Dollar reviews a personal development, personal productivity, or career book. At almost every job I’ve ever worked at, from a minimum wage service job where I helped people print documents to a full time job in a research lab, creativity and initiative have been rewarded. […]

Bulk Food Bin Bags: How I Got Mine for Cheap

By Myscha Theriault You know that final hurdle in plastic bag transition I've been trying to jump? The one I was going to initiate with leftover bread bags? Well, I was able to make the full leap to fabric this weekend with over a fifty percent savings.  Turns out the answer was in the children's aisle at Jo Ann Fabrics. Wanna know how I finally got my bulk bin groove on? […]

If You Live in Central Iowa…

Watch the KCCI (channel 8) evening news tonight (Sunday) at either 5 PM or 10 PM. There’s going to be a story about me, my family, The Simple Dollar, and my book (365 Ways to Live Cheap). I was fairly nervous during the whole thing - I’m not exactly comfortable in front of a camera yet. […]

Prepping for College Exams Without Spending a Fortune

With a 16-year-old high school student in the house, we're preparing for the college entry exam also known as the Scholastic Aptitude Test (SAT).Paying for exam prep classes can be expensive. Prices range from $1,100 for a series of classes to about $3,400 for 26 hours of private tutoring. […]

Podcast 3: Credit Scores and the Credit Cardholders’ Bill of Rights

In today’s podcast, Tom Dziubek talks with Ken Lin from Credit Karma about credit scores. Tom also talks about credit scores and the Credit Cardholders’ Bill of Rights Act with MSN Money’s Liz Weston. To listen, use the player above (Adobe Flash required), download the podcast here, subscribe to the podcast RSS feed, or use the iTunes link. […]

The NCN Podcast Is Back!

I sat down last night and recorded a new episode of the No Credit Needed Podcast. For those who are new to the podcast, or podcasting in general, a podcast is an Internet radio show.  The show is free, and you can download it to your computer, listen to it via iTunes, or listen to it directly from the NCN Podcast website.  If you own an iPod, you can subscribe to the podcast via iTunes, and new ep […]

Making Financial Literacy Compelling to a Wide Audience

A reader that I’ll call “Maggie” writes in with an interesting question: I manage a federal TRiO grant at a community college in Arkansas. If our funding proposal is approved again next year, we are required to include programs on financial literacy, as required by the new Higher Ed Authorization Act. We currently offer a money management fair and one or two workshops per semester. […]

Free Personal Finance eBook from The Simple Dollar

A few years ago, Trent of The Simple Dollar wrote a post in which he boiled down all the salient points of personal finance onto five business cards. […]

Mother Knows Best: 5 Ways to Teach Your Kids About Money

For Mother’s Day, I invited blogger Amanda Steinberg of DailyWorth to write a guest post for moms. DailyWorth offers daily personal-finance tips for women. Recession talk is everywhere, even on Mother’s Day. At work, at home, at the supermarket, at the library, at soccer games, and on play dates. Everyone hates this recession, and most everyone is being affected by it. Especially mothers. Why? […]

Recent NCN Network Chart Updates

Here are the most recent updates from the No Credit Needed Network. LadyT 444goingup 2bdtfre snowedin Time4Change MoneyLibertyDebt - Completed Chart LooniesAndSense DebtDumbie LTsDebt SaveSaveSave GetDwn2zero debtmaven Click a link above to view a member’s chart. Click here to view the No Credit Needed Network homepage. The NCN Network is a place for members to post a financial goal […]

Tithe Rap

For those of you new to Free Money Finance, I post on The Bible and Money every Sunday. Here's why. I recently ran into a video on tithing that I thought was pretty funny. So today, I want to share it with you. This is my first shot at putting a YouTube video on my site, so I may mess it up. If so, you can click and see the video here. […]

Current Retirement Asset Class Allocation

Here’s a look at our current retirement investment portfolio.  These numbers are current as of today.  This breakdown does not include my wife’s pension plan, nor does it include money invested for college education savings.  We use four accounts to save for retirement (in addition to my wife’s pension).  My 403(b), my Roth IRA, my wife’s Roth IRA, and a SEP IRA for business income investing. Lar […]

Don’t Buy Stuff You Cannot Afford

One of the best things about running this site is reviewing all of the reader submissions. You folks send me tons of links and story ideas. But in the past three years, there’s one item that you have submitted more than any other. Every month several people forward a Saturday Night Live skit called “Don’t Buy Stuff You Cannot Afford”. […]

Trimming the Fat from Your Work-Related Spending

Doing my taxes this year was an interesting experience. In 2008, my income was down substantially as compared to 2007 - no real surprise, considering I quit my full time job in March 2008. What was really surprising for me, though, is that our family’s spending dropped almost as precipitously. Across the board, expenses were down. Way down. We spent less on food. We spent less on gas. […]

Money Tips Network

A couple months ago, Will and Greg at Wisebread asked me if I’d be interested in joining a new blog network they were creating, later to be dubbed the Money Tips Network. I’m a big fan of the work they do at Wisebread and so I was eager to join them on a project. […]

Some More No Credit Needed

After a long conversation with my wife, she has encouraged me to continue writing here at No Credit Needed.  She knows how important the site is to me.  So, please disregard the previous post, where I declared that I would no longer be writing articles for No Credit Needed. I want to thank those who left comments and sent emails.  My wife and I were touched by your kind words.  No Credit Needed is […]

No More No Credit Needed

Edit - At the request of my wonderful wife, I have decided to CONTINUE to post new articles here at No Credit Needed.  She insisted, especially after reading several of the kind emails and comments.  I have decided, however, to stop producing new content for several other sites, so that I can focus my attention here. Original Post - I have come to difficult decision.  I have decided to stop publi […]

How to Save Money on Car Insurance

As a followup to my earlier articles on how to save money on health insurance and life insurance, I thought I’d round things out with an article on car insurance. What follows is a list of six tips for reducing your premiums and saving a ton of money. Keep your driving record clean In other words, don’t get nailed for speeding like I did a few months back. […]

The Miser’s Peril: Why You Should Save for Tomorrow AND Enjoy Today

I recently dropped in to speak with my accountant (who is also a good friend). We chatted about my finances, and we spent a little time discussing Get Rich Slowly. Somehow the conversation turned to frugality, and he told me a little story about one of his clients. A true story Like many of us, Mr. and Mrs. Smith were careful with their money. Mr. […]