No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 12)

When all is Said and Done, it is the Done that Counts

When all is said and done, it is the done that counts. Lots of folks spend their time talking about their problems, especially their financial problems.  Only a select few ever commit to the task of fixing those problems.  The talking is important, but only if it actually leads to real changes.  Decisions must be made, goals must be created, and plans must be implemented.  Real progress demands re […]

Reduce Debt and Save Money on Groceries

With so many of us focusing on improving our finances in 2012 – I thought it might be beneficial to link to a few of my favorite personal finance-related resources: Free Printable Grocery Store Price Book - I created this printable price book to track fluctuations in the prices of grocery store items.  Download the price book and print several pages.  You can track prices for multiple stores and m […]

The Emergency Fund

Savings.  Rainy-day Fund.  Cash Reserves. The Emergency Fund.  It goes by many names, and whatever you want to call it, ours helped us to get out of debt. Why we established an emergency fund before attacking our debt - When we first decided to start paying off our consumer debt, we were pumped.  It would have been very easy for us to have used every extra dollar to reduce our debts.  However, we […]

Free Antibiotics Prescriptions from Publix plus $4 and $10 Prescription Programs

With three kids, I am always looking for ways to save money on prescription medication.  A few years ago, I found out about the prescription discount programs offered by Walmart, Target, and Kroger.  Each of these stores offer a selection of $4 and $10 medications. I recently spoke with a friend who shops at Publix – and he noted that Publix offers a discounted prescription plan, which features a […]

No Fuss Debt Reduction

If you are ready to get out of debt – and you like to keep-things-simple – you have come to the right place!  Here’s my simple plan for no fuss debt reduction. In just a few minutes, you can create an easy-to-implement debt reduction plan. Grab a pen, a sheet of paper, and your calculator.  You will also need login information for your online banking accounts and for your various creditors.  If yo […]

Get Rid Of The Stuff You Do Not Use

Several years ago, I decided to take control and rid myself of the stuff that I did not use.  I gathered some cardboard boxes, and went to work, removing the clutter from our home.  I went through our closets, cabinets, dressers, and drawers.  I separated our unused stuff in to four boxes. Box 1 – Give It  – I encourage everyone to consider donating a portion (or all) of any unneeded items to a lo […]

Take Back Control

Happy New Year! Here’s how I rid myself of consumer debt – and took back control of my financial future.  (No gimmicks necessary…) First, I sat down with my wife and had an honest conversation about our finances.  We talked about where we were, where we were headed, and where we wanted to be.  This conversation – and the many similar conversations that followed it – changed our lives.  I will ever […]

Making Plans For An Awesome 2012

2011 was an amazing year for me and my family.  I am excited about 2012 – and I thought I would share a few of the plans I have for the coming year. Writing - In 2011, time available for writing was extremely limited.  Thankfully, my schedule has settled a bit, and my passion for writing appears to have returned.  I plan to write (a minimum of) two articles per day, one here at No Credit Needed an […]

Starting Over With Debt Reduction

As we zoom towards the new year, I thought it might be beneficial to write a few posts about “starting over” – and finding renewed enthusiasm for both debt reduction and saving money. It’s easy to lose our initial zeal for debt reduction.  Making extra payments, and the more extra payments, and then more extra payments, can become tedious.  Throw in a couple of new charges on the old credit card – […]