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Latest Posts from No Credit Needed (page 21)

The Best Thing About My Old Truck

I have this old truck – a 1994 Ford.  (It’s not THAT old, but at 15 years, it has its share of scrapes and dings.)  I use it, mainly, to haul off the trash, but it’s also good for towing a trailer or bringing home supplies from the lumber yard. I bought the truck, used, almost 10 years ago.  I really like my old truck.  It’s not much to look at, but it’s fun to drive and it gets me where I need to […]

Bossing Myself Around

Having read countless articles about personal finance and money management, I’ve come to the following conclusion.  The best thing that I can do to insure that I have a sound financial future is to be a better boss – of myself.  Allow me to explain. About four years ago, after spending almost 15 years working (with very little in savings to show for it, and several thousand dollars in credit card […]

Getting Ready For 2010

As preparation for 2010, I’ve spent some time updating automated contributions to various retirement, education, and cash savings accounts.  Here’s the breakdown - My Retirement Accounts - 403(b) – Monthly amount = $1375 A percentage of pre-tax income is deducted from each monthly paycheck. Roth IRA – Monthly amount = $312.50 My goal is to make the maximum allowable contribution for 2010.  For m […]

Financial Priorities And Principles

I think it’s important to focus on simple, achievable goals.  As such, here are my top five financial priorities and principles - Priorities - I will maintain adequate cash reserves, sufficient to replace my income for 12 months. I will remain debt free, paying upfront for all purchases. I will save for retirement, focusing on both pretax and after-tax accounts. I will teach my children sound fin […]

Check Out Cash Commons

I’ve been away from blogging for a few weeks, busy with work.  I want to thank those of you who reached out to say “hi” via Twitter or email.  You guys rock.  Things have settled down now and I should be back to my normal blogging routine. A few weeks ago, MBH from Mighty Bargain Hunter reached out to me and asked me to check out a new site he’s been working on – Cash Commons.  I’ve spent some tim […]

Taking My Daughter To The Bank To Open Her First Savings Account

I am so excited. I am going to take my oldest daughter to the bank and help her open her first savings account! She’s ten now, having recently celebrated her birthday, and she has some birthday-checks to cash.  One of our local banks offers a no-fee, no-minimum balance required savings account for children under 16.  This type of account will be perfect for my daughter. Over the past few years, my […]

How A Silly Little Experiment Helped Me Get Out Of Debt

I once sent a credit card company $5 per day, every day, for a month.  Seriously. The year was 2005 and I was in full on debt reduction mode.  Pumped up by the comments left by my readers – and ready to be debt free – I spent most of my waking-hours thinking about ways to reduce my debt. Somehow, the thought struck me:  What if I manage to save $5 a day – say by skipping my morning trip to the con […]

Only Six Months Left To Make Year 2009 Contributions To Roth IRA Or Traditional IRA

My wife and I both have contributions to the retirement plans offered by our employers deducted from our paychecks.  In addition to those pre-tax retirement contributions, we also make monthly contributions to our Roth IRAs. For me, the annual contribution limit to my Roth IRA is $5000.  (See IRS Publication 590 for complete information about contribution and income limits.)  My wife’s limit is th […]

Some Thoughts About Thinking

Isn’t it amazing how our thoughts work?  I’m sitting here, typing this article, and it’s October 7, 2009.  There’s a part of my brain that is occupied with next word I’m going to type.  There’s another part that’s focusing on an appointment that I have tomorrow – and yet another part that’s thinking about next year’s summer vacation.  Even if I tried, it would be impossible to control just how far […]

How To Save Money On Groceries

I’ll admit it.  I actually enjoy shopping for groceries.  I usually shop on Tuesdays and I try to go to the store when there are fewer customers shopping.  Over the years, I’ve learned how to save money (and a little time) while shopping for groceries.  Here’s what works for me - 1.  Use a grocery store price book to track the prices of regularly purchased items.  (I’ve created a free printable ve […]