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Latest Posts from No Credit Needed

I Still Buy Stuff I Do Not Need

I have been writing about personal finance (as in, my own) for nearly a decade.  In that time, I’ve had some financial success – paying off my consumer debt, purchasing a new home – and some blogging success – mentioned in the New York Times, interviewed on television and on radio – but the truth is: I still buy stuff I do not need. I also use unnecessary dashes and commas when I write, but that’s […]

Fight For Your Independence And Get Out Of Debt

Let’s not wait until January 1st to focus on getting out of debt.  It’s July – It’s time.  Fight for your independence-  and get out of debt, today! No doubt, a little dramatic, but you get the point.  Today is the day to start planning for tomorrow.  Here’s how I paid off my consumer debt – including credit cards and an automobile loan – plus some tips and tricks I’ve learned along the way. Stop […]

How To Stay Motivated While Getting Out Of Debt

Let’s be real.  The idea of getting out of debt sounds awesome.  The day-to-day grind of getting out of debt… not so much. Here’s how to stay motivated while getting out of debt - Celebrate Your Progress – Check those numbers and get excited about the amount of debt you have already paid off!  For our family, we are working to pay off our mortgage (update this week!) – and while our progress has b […]

Envelope System Video – Simple Cash Management

I created this video 7  years ago (wow!) to demonstrate my favorite cash management system – the envelope system. I have been using the envelope system for nearly a decade and it really is a great system for managing cash and household expenses. Watching this video always makes me smile. The quality is so cheesy-awesome – but the concept is so super-simple. […]

History Podcasts – My Favorites

It’s been a while since I listed my favorite history podcasts.  There are a number of high quality, entertaining, free podcasts available and these are my favorites: History Podcasts - Revolutions – Mike’s awesome podcast, covering the revolutions which shaped the modern world. The History of Byzantium – This podcast tracks the history of the Eastern Roman Empire.  This is a subject about which I […]

State Park Parking Fees For Parks In All 50 States

Below is a summary of state park parking fees for parks in all 50 states.  This is an update to a summary from 4 years ago.  We love our state parks here in Georgia – and we enjoy visiting state parks when we travel.  I thought this list might be helpful for others.  Information is subject to change, so please check with the individual park you plan to visit, prior to your trip.  For some states, […]

Simple Ways To Save Money While On Vacation

My family and I just recently returned from a week at the beach.  We had an awesome time – and we even figured out some simple ways to save money while on vacation. Check online for attraction discounts, coupons, and codes.  Our three kids like putt-putt and the water-park.  A simple online search, and I found coupons for both attractions.  We saved 50% on the putt-putt – and 60% at the water-park […]

Silver Coins – List Of U.S. Coins Containing Silver

Silver coins are easier to find than you might think.  My son and I recently began collecting coins – and we are finding silver coins. The cool thing is – we are finding these (partially) silver coins while sorting through rolls of commonly used U.S. […]

Round Up To Reduce Debt

When making our monthly mortgage payment, I always round up. I use a zero-based budget to manage our household finances. When calculating the allocation for the mortgage payment category – I round up to the nearest 100′s place. I do this, because I like easy-to-do math.  This works in our situation, because our payment ends with 60.12.  So, rounding up adds approximately $40 to our monthly payment […]

Focus On The Loan Principal

A few basic terms – loan principal, interest, and interest rate. The loan principal is the amount of money a borrower receives from a lender. Interest is the fee that the borrower pays to the lender, for the right to borrow the loan principal. The interest rate is the rate at which interest is paid to the lender. The interest rate is usually expressed as a percentage of loan principal for a perio […]