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Latest Posts from No Credit Needed (page 24)

The New Shed And The Playhouse

Way back in March of 2007, I started building a playhouse for my kids.  Two year later, the playhouse is (almost) complete.  (I actually completed most of the playhouse in just a few weeks, but I let the kids play in it for a while without installing sheet-rock.  This past March, my Dad came up, and he helped me finish out the inside.)  The playhouse still needs one more coat of paint and I have a […]

Carnival Of Debt Reduction 200

Welcome to No Credit Needed and the 200th edition of the Carnival of Debt Reduction. Credit Scores: Several of today’s articles deal with credit scores. Moolanomy has instructions for getting a free credit score from Annual Credit Report. Five Cent Nickel asks - What is a good credit score? Green Panda Treehouse has several ideas for fixing an inaccurate credit report. The Digerati Life answers - […]

No Credit Needed Will Host The 200th Carnival Of Debt Reduction

Monday, No Credit Needed will host the 200th Carnival of Debt Reduction.  If you are a blogger, click here submit a recently written debt reduction-related article before Sunday at 5:00 PM Eastern.  As incentive to submit articles and promote the carnival, Mighty Bargain Hunter (the carnival’s creator) is giving away some pretty sweet prizes.  Thank you in advance for your submissions, and please […]

The Savings Sweep - Today’s Quick Tip

Today’s Quick Tip - The Savings Sweep At the end of each pay cycle, right before I receive a paycheck, I’ll do a savings sweep.  I take a peak at my monthly budget, notice any categories where I might have “left over” money, and sweep that money from my checking account into my savings account. Benefits of Today’s Tip - Savings account pays higher interest rate than does checking account. Money i […]

Breaking Bad Financial Habits - It’s Only

It’s only twenty dollars… It’s only three percent… It’s only for six months… It’s only - Is there a more powerful, desire-justifying phrase in the English language?  How many times have I blown my budget, because I fell into the It’s only-trap?  Seriously, even those of us who are trying to follow our budgets tend to spend more, in bits and pieces, when we convince ourselves that twenty bucks, spe […]

Micro-Goals And Staying Motivated

I’ve been thinking about motivation. Where does it come from?  How can it be maintained? My primary motivation to get out debt was born out of a desire to have more control over my life.  To be frank, I was tired of living with the constant burden of interest payments.  Deciding to do something about my debt, I began to make major changes in my spending and saving habits. I’ve come to the conclusi […]

Breaking Bad Financial Habits - Impulse Purchases

As you read this, you already know something about yourself, something very important.  You know, without even having to think about it, if you are the kind of person who makes impulse purchases.  You also know, with equal certainty, if this tendency to make impulse purchases is negatively affecting your financial situation.  Over the next few weeks, I’m going to write a series of articles about b […]

Rebuilding Cash Reserves

I have made a (temporary) change to the amount I contribute to my 403(b) retirement account.  After making a few major purchases, it’s time to rebuild our cash reserves. Our income has been down, just a bit, as compared to this time last year - and expenses have been up.  We now have three kids, and our youngest is still in diapers.  As a family, we are trying to eat at home more often, and we are […]

No Longer Focusing On Credit Cards

It’s been several days since I last posted an article here at No Credit Needed.  I could easily blame my life, which has been hectic and filled with much to do, but I won’t.  I could also blame writer’s block, but I don’t have it.  Instead, just like every other article I’ve ever written, I’m going to be honest.  I haven’t written an article because I can’t get over a self-created (is that a phras […]

The Best Explanation I Have Heard For How The Credit Crisis Happened

I love talk radio.  I love podcasts.  One of my favorite radio programs - which is also available as a podcast - is This American Life.  This past Sunday’s episode, entitled The Watchmen, provides the clearest explanation of the current credit crisis, what it is, and how regulators failed to regulate it, that I have heard.  I strongly recommend that you visit the This American Life site and stream […]