No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 21)

Opened A New Checking Account

When we moved in February, the distance between our house and our bank doubled.  No longer desiring to drive almost forty minutes, just to deposit a check, I recently opened a new checking account at a small, locally-owned bank, just two minutes from our house. My wife an I now have four checking accounts – a free, no-frills personal account, at our old bank, a free, business-only account, at our […]

Use The Debt Reduction Mindset To Save For Future Purchases

Determined. Back when I was getting out of debt, I was the very definition of determined.  I worked hard, extremely hard, to stay on budget, earn extra money, and rapidly pay down my debts. Once I paid off my debts, I remained determined, and worked hard to fully-fund my emergency fund.  I also worked hard to fund retirement and education savings accounts.  I was motivated, pumped about the progr […]

I Mailed A Payment To The Wrong Business Address

Have you ever - lost your wallet? - forgotten to mail a payment? - misplaced an important financial document? - overdrawn your checking account? - spent more than you could afford to spend? - maxed-out a credit card? - made any number of finance-related mistakes? If you answered yes to any (or all) of the questions above – welcome, you are among friends. Just last month, I mailed a check, which I […]

Amended Our Tax Return

I did something today that I’ve never done before – I filed an amended tax return.  Back in March, I filed my taxes but didn’t claim the first-time homebuyer credit.  Armed with the proper paperwork, forms, and software, it took, literally, 10 minutes to amend the return. According to the IRS website, returns claiming the first-time homebuyer credit must be mailed, with correct documentation, and […]

Hidden Costs Of Home Improvements

This past Saturday, I had my kids playhouse moved from our old house to our new one.  The playhouse paint didn’t match our new house, so I spent some time today painting it.  I also repaired a few shingles that were damaged during the move.  Oh, and I also installed a small window-unit air conditioner, so the kids can play in the house and be comfortable. I have a list, a mile long, of home impro […]

My Favorite Podcasts

Here’s a list of my favorite podcasts - History Podcasts - Norman Centuries – A Norman History podcast created by Lars Brownworth. 12 Byzantine Rules – The History of the Byzantine Empire by Lars Brownworth. Hardcore History – An unconventional look at history by Dan Carlin. History of Rome – A weekly podcast about the history of Rome. Sports Podcasts - Dan Patrick – A daily podcast, in three pa […]

A Simple, Productive Day

You know you’re getting older when you a.) spend your “off-day” doing chores around the the house and b.) you enjoy doing them. I have been extremely busy for the past six month, twelve months, two years, forever, so it was good to take a day “off” from the world – and just focus on getting some things done around the house. First, I replaced a broken light-fixture in our master bathroom.  I trie […]

Daily-Use Fees And Free Days For State Parks

I live in Georgia and am a big fan of our State Parks System.  I recently visited one of our state parks and learned that there was no daily-use charge for visitors who visited on Wednesdays.  That bit of information sparked my interest and was the reason for this post.  I’ve attempted to list the daily-use fees from all 50 states and their state parks. Alabama State Parks – From […]

Creating A Financial Timeline

The goal of the financial timeline is to plan for future major purchases. I define a major purchase as any item costing more than $1000. My financial timeline focuses on purchases to be made in the next 5 years. I create a list of items that I plan to purchase.  I am careful to consider items that might need replacing, such as the dishwasher or refrigerator, larger items like a n […]

Living Debt Free – Part 2

I have decided to do a series of posts, ten in all, exploring the concept of living debt free.  This is the second post in that series. Click here to read Living Debt Free – Part 1. Planning For Future Major Purchases If we are going to live debt free, we have to have a solid plan for making future major purchases.  It’s never good enough for us to simply save money and hope th […]