No Credit Needed

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Latest Posts from No Credit Needed (page 22)

Twitter Finds And Friends

I am a big fan of Twitter.  It’s amazing how quickly information can flow, from tweet to tweet, and person to person. If you haven’t done so, feel free to follow my tweets, and say Hello. Today’s Twitter Finds And Friends - Finds - Do you like bean bag chairs?  Do you like personal finance forums?  Then, you’ll love Moolanomy’s current giveaway.  Register for the new Moolanomy Answers and you coul […]

Recent NCN Network Chart Updates

Here are the most recent chart updates from the No Credit Needed Network - DebtFree4ever marissa outofthered1 SavingInDebtOut SickNTiredEFund ChrystaGoingBroke DebtFreePostDeployment SockinItToDebt Snowflake Snowballer KeepMyMoney Jocelyn Time4Change Caryatid Canuck in Debt Click here to see a complete list of NCN Network members and their charts. Follow me via Twitter […]

How I Plan To Save Money Next Week - State Sales Tax Holiday

My oldest daughter is going into the fourth grade and my son is starting kindergarten.  They need school supplies!  Thankfully, Georgia’s 2009 Sales Tax Holiday begins next week.  I should be able to save a little money, buying school supplies and some clothing, sales tax free. Several states offer Sales Tax Holidays, including the state where we live, Georgia.  (Click here to visit the Georgia De […]

What Works For Me - Checking And Savings System

I have three checking accounts - a primary checking account at our local bank, a business checking account with the same bank, and an online interest-bearing checking account with ING Direct.  I also have an online savings account, also with ING Direct. Click here to read about how I use these four accounts to manage the flow of my money. Right Now - I’m pretty satisfied with my current setup.  My […]

The New Shed And The Playhouse

Way back in March of 2007, I started building a playhouse for my kids.  Two year later, the playhouse is (almost) complete.  (I actually completed most of the playhouse in just a few weeks, but I let the kids play in it for a while without installing sheet-rock.  This past March, my Dad came up, and he helped me finish out the inside.)  The playhouse still needs one more coat of paint and I have a […]

Carnival Of Debt Reduction 200

Welcome to No Credit Needed and the 200th edition of the Carnival of Debt Reduction. Credit Scores: Several of today’s articles deal with credit scores. Moolanomy has instructions for getting a free credit score from Annual Credit Report. Five Cent Nickel asks - What is a good credit score? Green Panda Treehouse has several ideas for fixing an inaccurate credit report. The Digerati Life answers - […]

No Credit Needed Will Host The 200th Carnival Of Debt Reduction

Monday, No Credit Needed will host the 200th Carnival of Debt Reduction.  If you are a blogger, click here submit a recently written debt reduction-related article before Sunday at 5:00 PM Eastern.  As incentive to submit articles and promote the carnival, Mighty Bargain Hunter (the carnival’s creator) is giving away some pretty sweet prizes.  Thank you in advance for your submissions, and please […]

The Savings Sweep - Today’s Quick Tip

Today’s Quick Tip - The Savings Sweep At the end of each pay cycle, right before I receive a paycheck, I’ll do a savings sweep.  I take a peak at my monthly budget, notice any categories where I might have “left over” money, and sweep that money from my checking account into my savings account. Benefits of Today’s Tip - Savings account pays higher interest rate than does checking account. Money i […]

Breaking Bad Financial Habits - It’s Only

It’s only twenty dollars… It’s only three percent… It’s only for six months… It’s only - Is there a more powerful, desire-justifying phrase in the English language?  How many times have I blown my budget, because I fell into the It’s only-trap?  Seriously, even those of us who are trying to follow our budgets tend to spend more, in bits and pieces, when we convince ourselves that twenty bucks, spe […]

Micro-Goals And Staying Motivated

I’ve been thinking about motivation. Where does it come from?  How can it be maintained? My primary motivation to get out debt was born out of a desire to have more control over my life.  To be frank, I was tired of living with the constant burden of interest payments.  Deciding to do something about my debt, I began to make major changes in my spending and saving habits. I’ve come to the conclusi […]