No Credit Needed

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Latest Posts from No Credit Needed

What To Do With A Tax Refund

My wife and I filed our taxes this evening.  The process was pretty straightforward and only took a few hours.  We have a small refund heading our way – we plan to use it to help rebuild our long-term cash savings. Over the years, we have used our tax refunds for:- funding our emergency fund, […] […]

Paying Off Our Mortgage – Update For February 2017 With Chart

My wife and I are working to pay off our fixed-rate, conventional, fifteen-year mortgage. Our goal is to eliminate our mortgage debt in less than 10 years.  We have been paying off our mortgage for 7 years now – and it’s cool to see more and more of our monthly payment go towards our principal. […] […]

Day 3: The Shed Must Be Organized!

Several years ago, I purchased a really nice barn-style shed to store my lawn mower and a few tools. Since then, I have added a lean-to to the side of the shed – and now park my mower there. As of right now, the inside of the shed is literally over-flowing with tools, Christmas decorations, […] […]

Deals On Stuff They’ll Love – And Use!

It’s that time of year – time to buy gifts for our friends and family.  I love giving gifts, I love saving money, and I would prefer that the gifts that I give be practical. I’ll skip over some of the more traditional gifts – and focus on things that can be used, year-long. Here […] […]

Free And Discounted Prescriptions

Over the past few months, I’ve dealt with some now-resolved health issues.  I’m doing great now, but I have a deeper appreciation for free and discounted prescription drugs.  Here’s an updated list of pharmacies, drug stores, and supermarkets that offer free or discounted prescriptions.  Information is subject to change.  Check each store website for full […] […]

Day 2: More Calls More Money (Saved)

It’s Day Two of my plan to reorganize my finances and improve this website.  Today I spent some time making a few phone calls and working on organization.  Here’s what I accomplished (and what I didn’t) – My first goal was to call our satellite television provider and discuss options for lowering our monthly bill.  […] […]

Podcasts Are Awesome – These Are My Favorites

It makes sense that I would love podcasts, because I learn by listening.  Once in a while, I like to share my favorite podcasts with my readers – as a way to thank the various podcast creators and promote cool, free audio.  Click on the podcast titles for more information – and on podcast-creator names […] […]

$25 Off $100 In Dewalt Tools On Amazon

I am a big fan of Dewalt tools – and between now and December 22, 2016, you can save $25 when you purchase $100 of select products.  Click the link to see a list of tools included in this offer and to view terms and conditions. I personally own the awesome compact drill driver – […] […]

Turn Minutes Into Money

Last night, I set about the task of eliminating or reducing expenses. Each trip to the store, phone call or web visit took just a few minutes, and resulted in some pretty decent savings.  By the way, when I use the word savings, I use it in its loosest form.  I’m not only referring to […] […]

Day One: Getting Started

It’s Day One of my plan to reorganize my finances and improve this website.  Today’s tasks took just a few minutes each to complete – and set the groundwork for future steps.  Here’s what I did – I checked our credit scores.  We are considering a mortgage refinance in the new year, after we file […] […]