No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

Press Mentions of No Credit Needed

Mentioned in NY Times, Interviewed on Oprah Radio (Jean Chatzky Show), Clark Howard WSBTV Show, Money Magazine, and more.

Advertise with No Credit Needed

No Credit Needed, a personal finance blog with over 4000 subscribers, averages 40,000 unique visitors per month and over 75,000 page views per month. Advertisers looking to reach people who are interested in debt reduction, banking, insurance, credit cards, financial information, retirement, investing, stocks, budgeting, and credit management, have come to the right place.

More info at NCN's advertiser page

Latest Posts from No Credit Needed (page 22)

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 […]

Next Month Syndrome

There was a time when I was infected with a terrible condition – Next Month Syndrome When my credit card bill came in the mail, I would make a promise to myself - Next month, I’m going to do better. When I reached for my credit card to make ends meet, I would promise myself - Next month, I’m going to do better. When a friend would mention that he was living on a budget, I would promise myself - Ne […]

Keeping A Close Eye On Those Medical Bills

I recently had to have a kidney stone removed.  The hospital estimated the cost of the procedure, and offered me a 20% discount – if I paid my portion on the day of the procedure.  I paid the estimated amount and had the procedure. Today, I received the actual explanation of benefits from my insurance company.  I am happy to report that my portion of the cost of the procedure is several hundred do […]