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Latest Posts from No Credit Needed (page 23)

We Are Buying A House!

I cannot tell you how excited my wife and I are.  This afternoon, we are closing on the purchase of our new house! For the past several years, we have lived in a house provided by my employer.  Recently, we decided that the time was right to buy a house of our own.  (Honestly, we have been looking for more than two years, but we really got serious about it this past fall.) Early […]


It’s interesting how time and a little perspective can teach us things. When I started this site, I had just one goal – I wanted to get out of debt. With that singular goal, managing my finances became pretty simple.  Not easy, but simple. An emergency fund was funded. A debt reduction plan was created. Payments and extra-payments were made. Debt was reduced – and eventually – I […]

Lawn Mower Maintenance

After two weeks of very cold weather (for us), the temperatures have returned to “normal”.  It’s in the mid-50’s and perfect weather for doing a little yard work. Back in April, I purchased a lawn mower.  I really, really like my lawn mower, and since it has mulching blades, I use it to mulch pine straw and leaves in the yard.  Unfortunately, when I opened my shed this morning, t […]

Reader Feedback Request – Alternative To New Couches

I have a few questions for you guys, my awesome readers.  First, a little information. My wife and I have a couple of couches.  Structurally, they’re both in great shape.  However, one of them has some damaged fabric on its arms, and the other has been faded by the sunshine.  We’d love to keep the couches – they’re both very comfortable – so there’s no real (non-cosmetic) reason […]

Principles Reinforced By Favorite Television Show – Holmes On Homes

I love Holmes on Homes.  If you haven’t seen the show, you really should check it out.  Originally produced for Canadian television, episodes now air on HGTV.  The show stars general contractor and renovation specialist Mike Holmes and his crew of workers. Holmes on Homes features families who have had unsatisfactory work done to their homes.  Mike and his crew come in, assess the situation – and […]

You Need A Budget – Success Story From NCN Reader James – YNAB

No Credit Needed reader, James, uses the You Need A Budget budgeting system to manage his household finances.  He recently sent me an awesome email and I’m happy to share it with you: I don’t believe that I have ever taken the opportunity to thank you for mentioning YNAB on your blog. […]

Financial “Spring” Cleaning Is In The Air

As I mentioned in the previous post, I’m going through my financial documents and doing a little financial “spring” cleaning.  Granted, it’s the middle of winter, but it’s a great time to get my things in order. Taking a break for a bit of lunch, I surfed over to Twitter (click to follow yours truly) and noticed that a couple of my fellow pf bloggers are also in the mood to organize and de-clutter […]

A Little Financial “Spring” Cleaning

I know.  I know.  It’s freezing cold outside and we are right smack-dab in the middle of winter – but I feel the need to do a little financial spring cleaning. First, I need to go through my filing cabinet and gather up all income tax-related documents.  W-2’s will arrive soon – and I want to file my taxes as soon as possible this year.  I also want to go through my old tax returns, label them, an […]

Saying Goodbye To A Strange Year

It’s time to say goodbye to 2009 and hello to 2010.  I hope all of my readers will have a blessed and profitable 2010. For me, 2009 was a bit of a strange year.  I dealt with a couple of health issues, including kidneys stones and some back pain.  I never really got into a good “groove” in 2009.  I can’t describe it, but for some reason, 2009 just felt like a throw-away year. Financially, I worked […]

The Best Thing About My Old Truck

I have this old truck – a 1994 Ford.  (It’s not THAT old, but at 15 years, it has its share of scrapes and dings.)  I use it, mainly, to haul off the trash, but it’s also good for towing a trailer or bringing home supplies from the lumber yard. I bought the truck, used, almost 10 years ago.  I really like my old truck.  It’s not much to look at, but it’s fun to drive and it gets me where I need to […]