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Latest Posts from No Credit Needed

Paying Off Our Mortgage – Update With Chart July 2016

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 purchased our home in February of 2010 – so we have a little over four years to reach our goal.  (Realistically, it looks like it might take us a total of 12 years – but we’re still trying!) I use a simple pie-chart to track our progress – […]

Get Out Of Debt – Quick Tips

I love hearing stories about how folks are getting out of debt – and living debt free! Several years ago, my wife and I paid off all of our consumer debt – and we are now in the process of paying off our mortgage. I created an illustrated guide for debt reduction – t0 show the process that we used to eliminate our debt. Here are few quick tips which have helped us reduce – and eliminate – our debt […]

Get Out Of Debt – A Better Budget

I recently wrote about our debt reduction process – a simple one-page guide to getting out of debt. Step 2 of our process was: We created (and followed) a zero-based budget. […]

DIY Digest – Some Of My Favorite DIY Youtube Channels

Welcome to the DIY Digest – featuring DIY tips, techniques and resources. I love DIY projects – and these 6 DIY Youtube Channels inspire me to tackle projects around the house and in the shop. I have included a link to each channel page – and an example video from each channel. […]

Get Out Of Debt – The Emergency Fund

I recently wrote about our debt reduction process – a simple one-page guide to getting out of debt. Over the next few days, I plan to elaborate on each of the steps mentioned in the article, starting today with a few notes about step 1 – and the emergency fund. My wife and I have our primary checking account with our local bank.  This allows us to deposit our paychecks locally – and is a great pla […]

Get Out Of Debt – One-Page Summary Of Our Process

It’s been a minutes since I last wrote about debt reduction – so I thought I would write out a simple, one-page summary of the steps that my wife and I have taken to eliminate our debt. 1. We established a small emergency fund. We started with $1000 in cash – and our fund fluctuated between $800 and $2000 during our debt reduction process. 2. We created a (and followed) a zero-based budget. […]

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 […]