No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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No Credit Needed, a personal finance blog with over 4000 subscribers, averages 40,000 unique visitors per month and over 75,000 page views per month. Advertisers looking to reach people who are interested in debt reduction, banking, insurance, credit cards, financial information, retirement, investing, stocks, budgeting, and credit management, have come to the right place.

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Latest Posts from No Credit Needed (page 11)

Buy 1 Photo Book And Get 2 Free From Snapfish

Between now and September 19, 2011 Snapfish is offering a Buy 1, Get 2 deal on  Photo Books with Code:LOVE8X11 Exp: 9/19. Click the link and enter the code at checkout for the deal. We have three kids – and two sets of grandparents. […]

Opened An Online Savings Account For Our Child

My son has the awesome Digital Football Coin Bank.  He uses it to collect and count “spare change”.  A couple of months ago, he and his grandfather started a contest – to see who could be the first to collect $100.  My son won.  Handily. So, building on his new found enthusiasm for saving money, I asked him if he wanted to open his own online savings account.  He’s seven – so you already know, his […]

One Month At The New Adventure

I have been at my new job for a little over a month now – and I’m loving it.  As I mentioned in my last post, I am working with a group of very dedicated folks, starting a new church in our area.  I have been extremely busy – getting to know everyone at the new church, figuring out how to best allocate our resources, and working hard to share our message with the community. Today, I took (most) of […]

A New Adventure

I haven’t posted at No Credit Needed for the past few weeks, because my family and I have been preparing for a major change in our lives – a new adventure, if you will. Today, I am starting a new job! Over the past ten years, I have worked in Christian ministry with a great group of people at a great place.  A few months ago, God began to open the door for me to move to a new ministry, one that I’ […]

Mortgage Payoff Progress For June With Chart

In February of 2010 my wife and I purchased our very first home.  We have a conventional 15-year mortgage and our plan is to pay it off in less than 10 years.  Our stretch goal is to pay it off in less than 7. As of June 27, 2011, we have made 16 regular mortgage payments – and several, additional, principal-only payments. When I posted February’s update, we had paid off 5.72% of our mortgage debt […]

Break The Credit Card Cycle

It has been several years since my wife and I regularly used credit cards for monthly purchases.  Instead, we use cash, debit cards, and online bill pay.  Here’s how we broke our credit card cycle - 1.  We put our credit cards in our wallets – and just left them there.  We didn’t cut them up.  We didn’t cancel them.  We didn’t put them in the freezer.  We simply made a decision not to use them on […]

Structure And Freedom

Over the years I have learned the true value of creating structure and following a routine.  My wife and I use the following structured systems to control spending, plan for saving, and manage our finances. Monthly Calendar – Each month we sit down and plan out that month’s events and scheduled activities.  We brainstorm and try to be thorough.  We list doctors visits, school functions, church eve […]

Saving For A Car

I drive a 2001 Honda Accord.  It’s a great little car.  Right now, it has a little over 175,000 miles on it.  Sooner or later (let’s hope, later) I’m going to need to buy a newer automobile.  Here’s my process for saving for a car – or any other major purchase. 1.  Using the super-handy You Need a Budget software, I create a budget category labeled: Automobile Replacement. 2.  I estimate the numbe […]

Debt Reduction Basics

I want to thank those of you who have been reading No Credit Needed for years – and welcome new readers.  No Credit Needed is the story of our journey from “being in debt” to “being financially free”.  Over the past six years, we’ve accomplished a great deal – but we still have so much more to do! At its core, No Credit Needed is, primarily, a “debt reduction blog”.  While I write about a wide arr […]