No Credit Needed

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Latest Posts from No Credit Needed (page 3)

Avoid These Budgeting Mistakes

My family and I have been living on a budget for nearly 10 years.  Over that time, we’ve made our share of mistakes – and we’ve adopted some valuable habits.  When making your budget, consider the following – Do not wait until the last minute to make your budget.  Our budget begins on the first of each month, so we sit down and write ours out a week or more before then.  This gives us a chance to […]

How To Save Money On Repairs

Here are a few tips and tricks for saving money on repairs – Keep track of your manuals.  I have a binder wherein I keep the manuals for all of the tools and appliances that we buy.  Quick tip – If you’ve lost your manual, check online.  Search by manufacturer and model number. Check to see if the item is under warranty.  Remember those little warranty cards that come with the stuff you buy?  They […]

How We Are Paying Off Our Mortgage

We have a 15-year fixed-rate home mortgage – and we are working hard to pay it off in less than 10 years. We purchased our home in February of 2010.  The original mortgage term of our our loan was 180 months, with the loan due to be paid off in March of 2025.  So far, we have whittled away 7 months from that date. Here’s what we do – Each month we make our monthly mortgage payment.  We do so via a […]

Getting Our House Ready For Fall

A quick Google check confirms it:  The first day of fall is September 22. I had to look that up just to be sure, because the high today was 91 degrees, which is decidedly un-fall-ish. In just a few weeks (hopefully!) the weather will turn and fall will be here.  In preparation, I’ve been working hard to get our house ready for fall – and the winter to follow. Outside – Rain Gutters – At the end of […]

My DIY Adventures

Over the past few years, I’ve worked to improve my DIY skills.  Here are a few of the projects I’ve tackled – with an eye towards saving money and doing it myself. I replaced the garbage disposal below our kitchen sink. […]

My DIY Adventures

Over the past few years, I’ve worked to improve my DIY skills.  Here are a few of the projects I’ve tackled – with an eye towards saving money and doing it myself. I replaced the garbage disposal below our kitchen sink. […]

I Still Buy Stuff I Do Not Need

I have been writing about personal finance (as in, my own) for nearly a decade.  In that time, I’ve had some financial success – paying off my consumer debt, purchasing a new home – and some blogging success – mentioned in the New York Times, interviewed on television and on radio – but the truth is: I still buy stuff I do not need. I also use unnecessary dashes and commas when I write, but that’s […]

Fight For Your Independence And Get Out Of Debt

Let’s not wait until January 1st to focus on getting out of debt.  It’s July – It’s time.  Fight for your independence-  and get out of debt, today! No doubt, a little dramatic, but you get the point.  Today is the day to start planning for tomorrow.  Here’s how I paid off my consumer debt – including credit cards and an automobile loan – plus some tips and tricks I’ve learned along the way. Stop […]

How To Stay Motivated While Getting Out Of Debt

Let’s be real.  The idea of getting out of debt sounds awesome.  The day-to-day grind of getting out of debt… not so much. Here’s how to stay motivated while getting out of debt - Celebrate Your Progress – Check those numbers and get excited about the amount of debt you have already paid off!  For our family, we are working to pay off our mortgage (update this week!) – and while our progress has b […]

Envelope System Video – Simple Cash Management

I created this video 7  years ago (wow!) to demonstrate my favorite cash management system – the envelope system. I have been using the envelope system for nearly a decade and it really is a great system for managing cash and household expenses. Watching this video always makes me smile. The quality is so cheesy-awesome – but the concept is so super-simple. […]