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Latest Posts from No Credit Needed

A Day Organizing Documents

2015 has been an incredibly busy year around the old NCN household.  Honestly, I’ve slacked off a bit with my bookkeeping and document organization – so I took a few hours today to clean things up and get things tidy.  I am now much better prepared for next year. First, I sorted, organized, paid, and filed this year’s remaining bills.  I am finished with 2015 – and ready for 2016. Second, I sorted […]

How I Find Free, Inexpensive, And Cheap Tools

Tools for DIY projects can get expensive.  Over the years, I’ve managed to accumulate a pretty decent set of hand tools and power tools – most at discount prices, and some for free.  Here’s how – I shop the discounted / returned items section at “big box” stores.  I purchased a gasoline-powered pressure washer for 50% off retail a few years ago.  The original buyer couldn’t figure out how to conne […]

A Simple DIY Way To Make Mulch

Like many folks, we have shrubbery beds surrounding our home.  Today, I had a few extra hours after work, so I grabbed my favorite pruning shears and began the process of pruning our shrubs. We have five major shrubbery beds – one for each side of the house and one that encircles a stand of oaks.  Over the years, I’ve used various material for mulching the beds – pines straw, fallen leaves, and ba […]

Paying Off Our Mortgage – Update With Chart May 2015

Whew!  We have had a busy few months – but I’m back with an update on our progress to payoff our mortgage.  For those new to the site – We have a fixed, conventional, fifteen-year mortgage. Our goal is to pay it off in less than 10 years. […]

Paying Off Our Mortgage – Update With Chart March 2015

It’s time for an update on our progress to payoff our mortgage – early.  Our progress chart is below, but first, a few words about our mortgage. We have a fixed, conventional, fifteen-year mortgage.  Our goal is to pay it off in less than 10 years.  Our progress for the first five years was decent – and we managed to reduce the length of our mortgage by 7 months!  However, that’s much slower than […]

Paying Off Our Mortgage – Update With Chart March 2015

It’s time for an update on our progress to payoff our mortgage – early.  Our progress chart is below, but first, a few words about our mortgage. We have a fixed, conventional, fifteen-year mortgage.  Our goal is to pay it off in less than 10 years.  Our progress for the first five years was decent – and we managed to reduce the length of our mortgage by 7 months!  However, that’s much slower than […]

DIY Projects – Fixing Stuff Around The House

Over the past several weeks, I’ve spent my evenings and weekends working on various projects around the house: I replaced our dishwasher.  Our house is ten years old.  We have lived in it for five of those years.  Several months ago, our dishwasher stopped working properly.  I repaired it twice – changing out its pump and replacing the drain hose – but two weeks ago – it just died.  So, we purchas […]

5 Years In Our New House – Mortgage Update!

I was reminded by my son: As of today, we have lived in our new house for 5 years. So, it’s time for a mortgage update – with handy-dandy chart! When my wife and I financed the purchase of our new home five years ago, our goal was to pay it off in less than ten years. We have a fixed, conventional, fifteen-year mortgage. I use a simple pie-chart to track our progress. […]

5 Years In Our New House – Mortgage Update!

I was reminded by my son: As of today, we have lived in our new house for 5 years. So, it’s time for a mortgage update – with handy-dandy chart! When my wife and I financed the purchase of our new home five years ago, our goal was to pay it off in less than ten years. We have a fixed, conventional, fifteen-year mortgage. I use a simple pie-chart to track our progress. […]