No Credit Needed

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Latest Posts from No Credit Needed (page 21)

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 […]

The Plan Of Attack – How I Plan To Pay Off My Mortgage Early

My wife and recently purchased our first home.  Here is my plan to pay off our 15 year mortgage in 10 years – or less! Opening Fire – We will us online bill pay to make our regular, monthly mortgage payments.  I have already scheduled for our monthly payment to be sent from our bank to our mortgage company on the 15th of each month, the day after I receive my monthly paycheck.  […]

10 Ways To Save 10 Bucks Each Month

We’re all looking for ways – big and small – to save a few bucks. Here are 10 (relatively) painless ways to save 10 dollars (or more) each month! 1.  Eliminate premium cable / satellite channels – or just select a lower-tier channels package.  With my current satellite provider, we moved down from 250 channels to 150 channels, barely noticed the difference, and saved $10 per month. 2.  Reduce the […]

Working On My Taxes

I’ve just spent the last couple of hours working on my taxes.  Because my wife and I recently made our first new home purchase, we will be receiving the first-time homebuyer tax credit.  Instead of e-filing our return as we have for the past several years, the credit necessitates that we print out and mail in this years return.  From the IRS First-Time Homebuyer Credit website - […]

What Will It Take To Pay Off Our Mortgage Early?

In a few weeks, we will make our first mortgage payment.  Our mortgage is a fixed-rate 15 year mortgage.  Obviously, I’m not a fan of debt – and I’m going to work very, very hard to pay our mortgage off early.  Using a mortgage calculator I calculated the following the scenarios for paying the mortgage off early - 15 years and zero months = mortgage payment + $0 extra per month 1 […]

Quick Reminder And This Week’s Carnivals

I want to thank all of you for visiting No Credit Needed.  Once in a while, I like to encourage folks to subscribe to the site, via RSS or Email.  Once you do, you’ll have the very latest NCN content, delivered directly to your feed reader or email inbox, absolutely FREE.  Also, if you use Twitter, feel free to follow me and then say hello to me @NCN.  Now enough with the self-pr […]

The New House And New Goals For 2010

It’s been a full week and we are loving our new home.  We are still waiting for the new furniture for our living room to arrive, along with some bar stools for the kitchen, but other than those items, we are all settled.  (If you ever want to find out just how much stuff you have – move!  Whew.) Obviously, now that we have a house payment, our goals and plans for 2010 have change […]

We Are Buying A House!

I cannot tell you how excited my wife and I are.  This afternoon, we are closing on the purchase of our new house! For the past several years, we have lived in a house provided by my employer.  Recently, we decided that the time was right to buy a house of our own.  (Honestly, we have been looking for more than two years, but we really got serious about it this past fall.) Early […]

Space

It’s interesting how time and a little perspective can teach us things. When I started this site, I had just one goal – I wanted to get out of debt. With that singular goal, managing my finances became pretty simple.  Not easy, but simple. An emergency fund was funded. A debt reduction plan was created. Payments and extra-payments were made. Debt was reduced – and eventually – I […]