No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 21)

The Needs Improvement List

My budget-analysis for 2010 reveals that I need to improve in the following areas - I need to spend less money on convenience store items – bottled water, sodas, chips, etc.  When I fill up at the gas station, I almost always grab a snack, too.  This habit is bad for both my waist line and my wallet.  Add this to the top of my 2011 resolutions. I need to rework my grocery store price book – and s […]

Over 8 Million Users Stopped Using Credit Cards In 2010

According to a recent press release from credit bureau TransUnion - TransUnion’s analysis estimates that more than eight million consumers stopped actively using bank-issued, general purpose credit cards over the past year. […]

Do You Know How Your Mortgage Lender Applies Additional Principal?

Each month I make my regular monthly mortgage payment – the fixed payment amount found on my monthly statement.  I use billpay from my bank. My lender requires that a full, monthly mortgage payment be made.  In other words, I cannot split my payment into two payments, sending half on the first day of the month and the other half on the fifteenth.  I have to send the full, fixed payment amount, by […]

More Than Just The Numbers

Sometimes, money management is about the numbers, the percentages, and the rates.  Often, however, it is about attitudes, choices, and behaviors.  When it comes to staying motivated, and moving forward, here’s what works for me: I consult the Scriptures and pray about our finances.  As a Christian, every area of my life is important to Jesus, including my family’s  finances.  It’s always comforti […]

Financial Stress Level

I recently went to the doctor with back pain.  While I was there, I was asked to describe the pain and assign it a number on the pain scale, with 1 being no pain and 10 being excruciating pain.  (For those interested, I gave my pain a 6, for distressing.  The doc gave me some medication.  I took it for a week and my back now feels just fine.) It was interesting how such a simple scale allowed me […]

Carnival of Debt Reduction

Welcome to No Credit Needed and this week’s Carnival of Debt Reduction: Studenomics leads things off, reminding us about how we get into debt in the first place. […]

Personal Finance Blogs – Find Read Connect

When I started No Credit Needed in 2005 there were just a hand full of personal finance blogs.  Now there are thousands of them.  Keeping up with all of the great content and content producers can be difficult, but not impossible. Here are the tools and sites that I use to find the latest content from my favorite personal finances bloggers, connect with them, and share their articles. Find Latest […]

Preparing For Debt Reduction Success

Get Organized - 1.  Find a manila file folder and label it “debt reduction plan“.  This folder will contain all of the information that you will need to succeed. 2.  Use the telephone and online access to your credit accounts and find out your current balances, current interest rates, due dates for all loans / credit cards, telephone numbers for each creditor, and addresses where creditors accept […]

Save Money On Lawn Care

When I was a kid, I never thought I would type the following sentence: I really enjoy yard work. Seriously.  I look forward to mowing the lawn, planting plants, raking leaves, and just spending time around the house, sprucing things up. I also like sharing money saving tips, and here are a few of mine, for saving money on lawn care.  These are things I actually do (or have done) to save money and […]

I Spend One Day Managing Finances And Then Enjoy The Month

My current system for managing our household finances is super-simple.  Here’s the entire process: Monthly Review On the last day of each month, I review that month’s budget, income, and expenses.  I make a note of any budget overages or shortfalls  I also balance our checkbook. Budget Creation After reviewing our budget, I use the awesome You Need A Budget software to create a zero-based budget […]