No Credit Needed

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Latest Posts from No Credit Needed (page 2)

We Found The Perfect House For Us

Four years ago, my wife and I purchased a new home.  With three kids, we needed a place that was big enough for a family of five, close to work, and within our budget.  Here’s how we found the perfect house for our family – First, we looked for a house located within reasonable driving-distance from where we worked.  There are several neighborhoods in our area, but we managed to narrow our list do […]

We Bought The House We Could Afford

Four years ago, my wife and I began to search for a new home.  Our family had grown and we were looking for a new place to live – our home for the next 20+ years. Before looking for our new home, we spent several months saving up enough money for a down-payment.  Our goal was to avoid PMI – private mortgage insurance.  Once we had saved up our down-payment, we began the process of looking for our […]

We Bought The House We Could Afford

Four years ago, my wife and I began to search for a new home.  Our family had grown and we were looking for a new place to live – our home for the next 20+ years. Before looking for our new home, we spent several months saving up enough money for a down-payment.  Our goal was to avoid PMI – private mortgage insurance.  Once we had saved up our down-payment, we began the process of looking for our […]

24 Hours Of Saving Money

24 Hours of Saving Money:  This is an around-the-clock look at some of the financial decisions we make – and how those decisions affect our pocketbook, our family, and our future.  My wife and I have three kids, we live busy lives, and we are work hard.  Here’s a typical day for our family – broken down by how we save money – and when. 5:00 AM – Enjoy a brisk walk or an at-home workout. Savings = […]

24 Hours Of Saving Money

24 Hours of Saving Money:  This is an around-the-clock look at some of the financial decisions we make – and how those decisions affect our pocketbook, our family, and our future.  My wife and I have three kids, we live busy lives, and we are work hard.  Here’s a typical day for our family – broken down by how we save money – and when. 5:00 AM – Enjoy a brisk walk or an at-home workout. Savings = […]

Paying Off Our Mortgage Progress With Chart November 2014

My family and I have lived in our current home for almost 5 years.  We are working hard – paying off our 15-year, conventional mortgage. I use a simple pie-chart to track our progress.  Having a visualization keeps us motivated and excited about the progress we are making. We purchased our home in February of 2010.  Hopefully, we’ll pay it off in less than 10 years – which is our stretch goal – bu […]

Paying Off Our Mortgage Progress With Chart November 2014

My family and I have lived in our current home for almost 5 years.  We are working hard – paying off our 15-year, conventional mortgage. I use a simple pie-chart to track our progress.  Having a visualization keeps us motivated and excited about the progress we are making. We purchased our home in February of 2010.  Hopefully, we’ll pay it off in less than 10 years – which is our stretch goal – bu […]

What To Do After You Pay Off That Credit Card

You have selected and begun to execute your plan for getting out of debt – and you have just paid off that first credit card debt. You are awesome! Paying off that first account is an important milestone.  There’s a tremendous feeling of satisfaction which accompanies the completion of any worthy goal.  Take a while to enjoy the success – and then get pumped to move on to the next step in your pla […]

What To Do After You Pay Off That Credit Card

You have selected and begun to execute your plan for getting out of debt – and you have just paid off that first credit card debt. You are awesome! Paying off that first account is an important milestone.  There’s a tremendous feeling of satisfaction which accompanies the completion of any worthy goal.  Take a while to enjoy the success – and then get pumped to move on to the next step in your pla […]

Call For Discounts

This tip is an oldie but a goodie – and it works for me: From time to time, I call the companies with which I do business – and ask for discounts. I just (literally, one minute ago) got off the phone with our television provider – and was able to reduce our monthly bill by nearly 30%. All I did was call the company – and after trudging through their labyrinth of language-selection, account number- […]