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Latest Posts from No Credit Needed (page 12)

Two Rocking Chairs

There are these two white rocking chairs on our front porch.  The one on the right is mine, the one on the left is my wife’s.  Like most things in marriage, I’m not sure how we arrived at this particular sitting arrangement, but arrive at it, we did. Most evenings, right before the sun sets, we’ll sit on the front porch, rocking, and watching our kids play.  Our youngest will usually be near us, c […]

Mortgage Payoff Progress For May 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 May 31, 2011, we have made 15 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. […]

Ants In Air Conditioner

We have two HVAC systems.  One controls the temperature downstairs, while the other controls the temperature upstairs. Less than two months ago, I had both HVAC systems cleaned and inspected, so I was shocked when one of them started acting up.  I would turn on the upstairs system, air would circulate, but instead cooling, the room remained warm.  Upon inspection, I noticed that the fan, inside th […]

Mortgage Payoff Progress For April 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 March 31, 2011, we have made 13 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. […]

Increasing Emergency Fund Balance

We have decided to increase the amount of money that we keep in our emergency fund. One of our goals is to keep an amount equal to six months’ worth of expenses in our emergency fund.  The primary purpose for the money in our emergency fund is to replace (or supplement reduced) income. Income designated for mid- and long-term savings goals (like automobile replacement, new furniture, etc.) is kept […]

Mortgage Payoff Progress For March 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 March 31, 2011, we have made 13 regular mortgage payments – and several additional principal-only payments. When I posted last month’s update, we had paid off 5.72% of our mortgage deb […]

Mortgage Payoff Progress For February 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 February 28, 2011, we have made 12 regular mortgage payments – and several additional principal-only payments. When I posted last month’s update, we had paid off 4.95% of our mortgage […]

How We Found Our House

Three years ago, right before the birth of our third child, my wife and I started looking for a new house.  After two years of saving, searching, and praying, last February, we purchased our new house.  We love the house – and couldn’t be happier with out decision. Before we ever started looking, we made a list of what we wanted in the new house.  We have three kids, two girls and a boy, so we kne […]

My First Raised Bed Garden – The Build

Over the past few weeks I have been gathering supplies in preparation for building my first raised bed garden.  The weather has been unusually cold this winter, so I was very pleased when I woke up this morning and it was nice outside.  Time to build the raised beds! Before I get to the pictures of the actual build – a little back story.  Several years ago I stumbled across Mel Bartholomew’s awes […]

How To Stock A Pantry

With grocery prices on the rise and the recent spate of bad weather, I have been busy stocking our pantry with nonperishable foods and household items.  Here’s how I stock out pantry and ensure that goods are in-date and readily accessible. Find a location for pantry items - Technically, a pantry is a small storeroom for foods, but you can use a large kitchen cabinet, a couple of shelves in the l […]