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)

Personal Finance Blogs – Find Read Connect

When I started No Credit Needed in 2005 there were just a hand full of personal finance blogs.  Now there are thousands of them.  Keeping up with all of the great content and content producers can be difficult, but not impossible. Here are the tools and sites that I use to find the latest content from my favorite personal finances bloggers, connect with them, and share their articles. Find Latest […]

Preparing For Debt Reduction Success

Get Organized - 1.  Find a manila file folder and label it “debt reduction plan“.  This folder will contain all of the information that you will need to succeed. 2.  Use the telephone and online access to your credit accounts and find out your current balances, current interest rates, due dates for all loans / credit cards, telephone numbers for each creditor, and addresses where creditors accept […]

Save Money On Lawn Care

When I was a kid, I never thought I would type the following sentence: I really enjoy yard work. Seriously.  I look forward to mowing the lawn, planting plants, raking leaves, and just spending time around the house, sprucing things up. I also like sharing money saving tips, and here are a few of mine, for saving money on lawn care.  These are things I actually do (or have done) to save money and […]

I Spend One Day Managing Finances And Then Enjoy The Month

My current system for managing our household finances is super-simple.  Here’s the entire process: Monthly Review On the last day of each month, I review that month’s budget, income, and expenses.  I make a note of any budget overages or shortfalls  I also balance our checkbook. Budget Creation After reviewing our budget, I use the awesome You Need A Budget software to create a zero-based budget […]

Debt Reduction Success Stories

Debt Reduction Success Stories: I recently asked my twitter.com/NCN followers to share their debt reduction success stories.  Here are some of my favorites: @Elle_CM has a great article about How To Pay Off Car Loan over at CoupleMoney. @FCN from Five Cent Nickel did an awesome thing and paid off his mortgage – in less than 10 years!  That’s pretty cool. @CanadianFinance recently hit a major mil […]

Early Mortgage Payoff Update 1

Back in February my wife and I purchased our first home.  Our first payment was due April 1, and posted on April 10.    As of today, we have made 6 regular, scheduled monthly payments.  We have also made 4 additional payments – payments which are applied directly towards the mortgage principal. We have a conventional 15-year mortgage and we want to pay it off as soon as is possible.  Our mortgage […]

How To Deal When You Set A Goal But Come Up Short

It’s hard to believe, but I’ve been blogging about debt reduction for more than 5 years.  In all that time, there are two dates that really stick out for me: The first date is a fun date to remember – February 6, 2006 – the day that I paid off all of my debt, was one of the most awesome days of my life. The second date is… not… so… fun… to remember – October 7, 2005 – the day I realized that I wo […]

Building My DIY Homemade Rain Barrel

I have just finished building and installing my very first homemade DIY rain barrel.  I’m super excited to have finished this project, which will provide for collection, storage, and supply of free water for my plants.  Here are the details: The Materials - 1 – 55 gallon plastic barrel (free) 1 – tube of silicon ($3) 1 – roll of plumber’s tape ($1) 1 – 3 inch piece of 3/4 inch galvanized pipe, t […]

Opened A New Checking Account

When we moved in February, the distance between our house and our bank doubled.  No longer desiring to drive almost forty minutes, just to deposit a check, I recently opened a new checking account at a small, locally-owned bank, just two minutes from our house. My wife an I now have four checking accounts – a free, no-frills personal account, at our old bank, a free, business-only account, at our […]

Use The Debt Reduction Mindset To Save For Future Purchases

Determined. Back when I was getting out of debt, I was the very definition of determined.  I worked hard, extremely hard, to stay on budget, earn extra money, and rapidly pay down my debts. Once I paid off my debts, I remained determined, and worked hard to fully-fund my emergency fund.  I also worked hard to fund retirement and education savings accounts.  I was motivated, pumped about the progr […]