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Latest Posts from No Credit Needed (page 22)

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 […]

Site Upgrade In Progress

Please pardon my progress as I work to upgrade the look of No Credit Needed.  There was a conflict between my old theme and the latest Wordpress upgrade, so I need to make a few changes.  I should have everything sorted out soon.  Thanks. Follow me via TwitterSite Upgrade In Progress Tweet This!Stumble upon something good? […]

Four Years Without A Car Payment

I was sifting through some old paperwork today, and I stumbled across an old letter from our bank.  It was dated September 8, 2005.  I was pleased to see that it was a notice from our bank, informing us that our car loan had been paid-in-full.  I smiled as I put the letter back in its place and then I went searching through the No Credit Needed Archives – for a quick trip down memory lane. On Augu […]

Debt Reduction Tools And Calculators

For those who are ready to get our of debt, here’s a list of debt reduction resources - Debt Snowball Calculator over at What’s The Cost – This free online tool will help you quickly create a debt repayment plan. iPhone and iPod Touch Debt Snowball Application – Created by Blunt Money, this application, which sells for $2.99, will help you create a debt snowball using your iPhone or iPod Touch. De […]

How We Organize Our Finances

Here’s a quick rundown of how we organize our finances and our financial documents - Extremely Important Documents - We keep our tax returns, marriage license, birth certificates, car titles, etc. […]

Our Financial House – The Footer

Back when I was a kid, maybe 13 or 14, my Dad inherited some land from a relative.  My parents soon decided to build a house on the land.  As part of the preparation for building the house, we had to dig a footer (also know as a footing).  For those who are unfamiliar with the term, a footer is a reinforced concrete pad that sits below the foundation of a house.  Digging and pouring a footer is ha […]

What Works For Me – Combining Our Finances

My wife and I have been married for almost thirteen years.  For that entire time, even before we got serious about managing our money, we believed in combining our finances.  Here’s our simple system and what works for us. Our Combined Finances - Checking Accounts - We have one, joint, primary checking account.  My wife and I can both write checks from this account.  We both have debit cards assoc […]