No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 22)

The More Things Change, The More They Change

A little back-story for those new to No Credit Needed - Back in April of 2005, my wife and I decided to get serious and do something about our debt reduction.  As part of our plan, I created this website to track our progess.  After ten months of planning, working hard, sacrificing, dealing with setbacks, and learning from our mistakes, we were able to celebrate – we were debt free!  Less than a y […]

Midnight Meanderings – Back To The Basics

Site Redesign - I’ve tweaked the look of No Credit Needed.  I hope you like the larger text and less-cluttered layout. From No Credit Needed – The first four articles in the Back to the Basics series - How To Eliminate Credit Card Debt How To Maximize Or Minimize Interest How To Stay On Track How To Stay Out Of Debt From No. […]

My Frugal Fix For The Broken Chair

We have this green chair that sits in our sun-room.  It’s a very comfortable chair and I like to sit in it when I’m studying my Bible or reading a book to the kids.  The fabric is in great shape – but two of the little legs on the bottom of the chair have become unstable.  The holes where the legs attach have become “wallered out” and the legs will no longer hold firmly to the bottom of the couch. […]

How To Stay Out Of Debt

1.  Live on a budget and plan for future purchases. If you are going to live without borrowing money, you will need to save for future purchases.  Saving for automobiles, furniture, and appliances requires a lot of discipline and a lot of planning.  The debt free life is awesome, but it does require that you spend some time mapping out your financial future.  We use the You Need A Budget software […]

Can I Rent A Car Without A Credit Card?

This information is provided in summary form and you should conduct your own research before using any of the companies listed.  Information is subject to change at anytime.  (Emphasis added) From the Hertz FAQs site: Debit Card Policy- Q: Can I use my Debit Card or Bank Card to reserve a Hertz car? A: At most Hertz locations, debit cards (sometimes called check cards) issued under a VISA or […]

How To Stay On Track

Lets be honest:  This whole debt reduction / saving money / getting our finances together thing can be difficult / boring / exhausting.  Perhaps, there are some steps that we can take to stay (or get back on) track – even as we push through those difficult / boring / exhausting days. 1.  Start with a solid game plan and a defined goal. Your first goal will depend on your starting point.  You may […]

Understand It Before You Do It – Today’s Quick Tip

Today’s Quick Tip – Understand It Before You Do It Before you make any financial decision, understand exactly what you are doing and why you are doing it. If you sign up for a credit card, understand the card’s terms and conditions. If you take out a mortgage, understand the mortgage’s terms and conditions. If you make an investment, understand the potential risks involved. If you buy and insuran […]

How To Maximize Or Minimize Interest

If you are working to get out of debt, one of your goals will be to minimize the amount of interest that your creditors will charge you.  If you are working to save money, one of your goals will be to maximize the amount of interest that your savings will earn.  Here’s how to minimize the amount you will be charged and maximize the amount you will earn. Minimize Interest Charged - 1.  Do not wait […]

How To Eliminate Credit Card Debt

1.  Create a list of your credit cards. Include account balances, interest rates, due dates, and minimum monthly payments. 2.  Make minimum payments to all credit cards, on time. 3.  Make an additional payment to one of the cards on your list. If you make an extra payment to the account with the smallest balance, you can quickly eliminate an entire card balance from your plan.  This may provide […]

Our Financial House – The Foundation

After digging and pouring the footer for our house, it’s time to set our foundation.  Our financial foundation needs to be solid, stable, and able to support the weight of our financial house. Three components of a solid financial foundation - Insurance At present, my wife and I have health insurance, term life insurance, disability insurance, automobile insurance, dental insurance, and renter’s i […]