No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 22)

5 Simple Debt Reduction Tips

I like to write about an array of personal finance topics, but my true passion is debt reduction. Tip 1 - Send in credit card payments as soon as is possible.  This reduces your average daily balance and total interest charges. Tip 2 - Be both analytical and emotional. […]

The Revelatory Nature Of The Common Sense Budget

Several years ago, long before No Credit Needed, I actually gave budgeting a shot.  I can’t, for the life of me, remember the name of the budgeting tool that I tried to use, but I do remember that it was very, very complicated.  After a couple of months trying to make the system work – I just gave up. It wasn’t until some years later, just before starting No Credit Needed, that I […]

Air Conditioner Spring Cleaning

Our new house has two air conditioning units, one for upstairs and one for downstairs.  One of the things that we knew the house needed, when we bought it, was an additional return for the downstairs unit.  (Technically, we have an HVAC, which provides air conditioning and air heating, but we just call it the air conditioner.) While he was here adding the return, I asked the tech […]

Murphy – NCN, NCN – Murphy

Anything that can go wrong will go wrong. - Murphy’s Law It’s been a very interesting couple of weeks around No Credit Needed land.  As many will recall, we recently purchased our first home.  The first month in the new house was awesome.  The second month? […]

First Extra Principal Payment Has Been Sent

A few days ago, I made my very first mortgage payment.  It felt so good, today, when I logged on to our mortgage company’s website and saw that the payment has posted.  It felt not-so-good to see just how much of our payment was applied to interest – and how little was applied to principal. If I continue to make our mortgage payment, as scheduled, we’ll own our home in 15 years.  […]

Automated And It Feels So Good

I’ve always resisted fully automating our finances.  Recently, however, I’ve had a change of heart.  Now, not only are most of our monthly bills paid online, but I’ve also automated deposits for savings, and payments towards our mortgage. We have a power bill, a telephone bill, a satellite bill, and a cellphone bill.  Each of these is delivered electronically, via email.  The onl […]

Are You “Over” Spending?

Have you gotten to the point where you are “over” spending – as in -you just don’t feel like buying “stuff” anymore? There was a time when I wanted “stuff” – a nicer car, a bigger television, a newer computer, but now I’m “over” that stage in my life.  Seriously.  I just want to enjoy the “stuff” I already have, hang out with my family, and live life. It’s funny how, over-time, o […]

The Plan Of Attack – How I Plan To Pay Off My Mortgage Early

My wife and recently purchased our first home.  Here is my plan to pay off our 15 year mortgage in 10 years – or less! Opening Fire – We will us online bill pay to make our regular, monthly mortgage payments.  I have already scheduled for our monthly payment to be sent from our bank to our mortgage company on the 15th of each month, the day after I receive my monthly paycheck.  […]

10 Ways To Save 10 Bucks Each Month

We’re all looking for ways – big and small – to save a few bucks. Here are 10 (relatively) painless ways to save 10 dollars (or more) each month! 1.  Eliminate premium cable / satellite channels – or just select a lower-tier channels package.  With my current satellite provider, we moved down from 250 channels to 150 channels, barely noticed the difference, and saved $10 per month. 2.  Reduce the […]

Working On My Taxes

I’ve just spent the last couple of hours working on my taxes.  Because my wife and I recently made our first new home purchase, we will be receiving the first-time homebuyer tax credit.  Instead of e-filing our return as we have for the past several years, the credit necessitates that we print out and mail in this years return.  From the IRS First-Time Homebuyer Credit website - […]