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Latest Posts from No Credit Needed (page 2)

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 […]

10 Debt Reduction Quick Tips

Are you working hard to get out of consumer debt? Awesome! Check out these 10 Quick Tips – ways to decrease spending, increase savings, and speed up your debt reduction - Early and Often After making regular monthly payments on all accounts, make extra principal-only payments as soon – and as often – as you can. […]

Grace And The Wild Blackberries

They grow in the field behind our house. Wild. Free. Blackberries! My son and I just picked a small, bucket-full of fresh, wild blackberries. A harvest of delicious and nutritious bites of awesome. A small bowl of delicious, wild blackberries. Picking blackberries is pretty simple. Watch out for the thorns. Be careful not to squish each berry. […]

Mortgage Payoff Progress With Chart – April 2014

My family and I have lived in our current home for 4 years. We are working hard to payoff our 15-year, conventional mortgage. I keep track of our progress using a simple spreadsheet and pie chart.  This provides motivation to keep going, especially when we are tempted to feel frustrated with our progress. Here’s a chart with details for our current progress - The percentages above represent the a […]

Garden Planning

It’s almost Spring – which means it’s time for a bit of garden planning. This year, I’m keeping things very, very simple: I am going to plant vegetables that do well in our climate and are relatively easy to care for. I am going to use a single raised-bed for the garden.  In the past, I’ve started out with several beds – only to get frustrated with local deer, the lack of rain, and the lack of pro […]

How We Started Collecting Coins

My son and I have recently started collecting coins. Several months ago, my son received an Electronic Piggy Bank: Digital Counting Money Coin Jar with LCD Display as a gift.  After the jar was filled with pennies, he decided that he wanted to deposit his money in his savings account. As we were sorting through the coins, in preparation for our trip to the bank, I noticed a few “wheat-back” pennie […]

10 Ideas For What To Do With An Income Tax Refund

I have been working on my taxes and it looks like my wife and I will be getting an income tax refund this year.  That’s good news, because we are in the process of paying off our mortgage and every extra penny counts! A certain portion of our household income comes through self-employment, so judging withholding can be a bit tricky.  We tend to ere on the conservative-side and over-withhold – whic […]

Tools That Rock

I am an amateur wood-worker.  Right now, I am working on a few Christmas gifts for friends and family.  I thought I’d share a few of the tools that rock – and make wood-working fun. Last year, I purchased the PORTER-CABLE 20-volt Lithium Ion Impact Driver. Man, this is one awesome tool. It is powerful – and perfect for outdoor jobs. I used mine to build a deck for my shed. […]