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 21)

Planning To Replace My Old Car

I own a 2001 Honda Accord.  It’s a great little car, and even though it’s a decade old, it still gets really great gas mileage.  The paint and the interior are both in pretty decent shape, despite the fact that the right-front panel was recently damaged and repaired.  I like the car, but with growing kids and the fact that it has nearly 200,000 miles, it’s time to think about rep […]

Working On The Website

I am working on a new look for No Credit Needed.  I recently upgraded some of the software that I use to manage the site – and I am in the process of creating a new, cleaner, easier-to-use interface.  Thank you for your patience while I complete the upgrade.  You guys rock! […]

Building A Lean-To On The Side Of The Shed

Last year, before we moved into our new house, I bought a shed.  I really like the shed.  It’s nice and big and has plenty of space for all of my tools.  I just have one problem - I also have a lawn mower. When I put the lawn mower in the shed, it’s difficult to get to my tools.  I really don’t want to store the lawn mower in the garage, it’s taking up to much space in the shed, […]

5 Simple Debt Reduction Tips

I like to write about an array of personal finance topics, but my true passion is debt reduction. Tip 1 - Send in credit card payments as soon as is possible.  This reduces your average daily balance and total interest charges. Tip 2 - Be both analytical and emotional. […]

The Revelatory Nature Of The Common Sense Budget

Several years ago, long before No Credit Needed, I actually gave budgeting a shot.  I can’t, for the life of me, remember the name of the budgeting tool that I tried to use, but I do remember that it was very, very complicated.  After a couple of months trying to make the system work – I just gave up. It wasn’t until some years later, just before starting No Credit Needed, that I […]

Air Conditioner Spring Cleaning

Our new house has two air conditioning units, one for upstairs and one for downstairs.  One of the things that we knew the house needed, when we bought it, was an additional return for the downstairs unit.  (Technically, we have an HVAC, which provides air conditioning and air heating, but we just call it the air conditioner.) While he was here adding the return, I asked the tech […]

Murphy – NCN, NCN – Murphy

Anything that can go wrong will go wrong. - Murphy’s Law It’s been a very interesting couple of weeks around No Credit Needed land.  As many will recall, we recently purchased our first home.  The first month in the new house was awesome.  The second month? […]

First Extra Principal Payment Has Been Sent

A few days ago, I made my very first mortgage payment.  It felt so good, today, when I logged on to our mortgage company’s website and saw that the payment has posted.  It felt not-so-good to see just how much of our payment was applied to interest – and how little was applied to principal. If I continue to make our mortgage payment, as scheduled, we’ll own our home in 15 years.  […]

Automated And It Feels So Good

I’ve always resisted fully automating our finances.  Recently, however, I’ve had a change of heart.  Now, not only are most of our monthly bills paid online, but I’ve also automated deposits for savings, and payments towards our mortgage. We have a power bill, a telephone bill, a satellite bill, and a cellphone bill.  Each of these is delivered electronically, via email.  The onl […]

Are You “Over” Spending?

Have you gotten to the point where you are “over” spending – as in -you just don’t feel like buying “stuff” anymore? There was a time when I wanted “stuff” – a nicer car, a bigger television, a newer computer, but now I’m “over” that stage in my life.  Seriously.  I just want to enjoy the “stuff” I already have, hang out with my family, and live life. It’s funny how, over-time, o […]