No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 25)

Dealing With Trial Periods

Let’s face it, we live busy lives.  I’m pretty sure that most companies are aware of this.  I’m also pretty sure that that’s why many companies entice customers with trial periods.  Think about it.  How many times have you signed up for a service because it was free for 3 months, with the real intention of canceling said service at the end of the trial period, only to forget to call and actually c […]

The Success Of The Kids’ Fun Fund

Our family recently returned from a week of vacation, and I’m proud to report that the Kids’ Fun Fund that I mentioned a few months ago worked just as I had hoped.  Throughout 2009, my kids have been doing little chores around the house, chores for which they can earn a little money.  A portion of this money gets deposited into the Kids’ Fun Fund - just a plastic square container decorated with th […]

Debt Reduction Game Plan

I love to watch football, especially my beloved Atlanta Falcons.  When I was a little kid, I played both running back and safety.  I really enjoyed being on offense, but I also learned the value of a good defense.  Throw in a little special teams unit, and you have yourself a complete team. Thinking about debt reduction, I was reminded of the importance of the “team” concept.  I think it’s importa […]

Frugal 51 Weeks A Year

I’m on vacation with my wife and our kids.  The weather is glorious - 85 degrees, sunny, slight breeze.  The beach is beautiful and the kids are really enjoying the pool. When I’m on vacation, I’m ON vacation.  I try not to check my email or worry about work.  Instead, I focus on hanging out with the kids and enjoying the week off.  The past few months - years really - I have been very, very busy. […]

The Day It Clicked

I had a very interesting conversation with a good friend yesterday.  We were talking about our finances (he reads No Credit Needed and I asked his permission to share a bit of our conversation with you guys) and he said - I think that the most important thing, no matter the system that you use for managing your money, is that you have to have a day where it just “clicks” - a day when you decide to […]

10 Things To Do Before Creating Your Next Budget

Before you create your next budget or monthly spending plan - 1.  Track your spending for one month. Use a spreadsheet, pen and paper, or online software, and track your spending for one month.  Track all payments - including those made by check, debit card, cash, (and credit card, if you choose to use one).  Remember to also include any payments that are automatically withdrawn from your checking […]

The NCN Podcast Is Back!

I sat down last night and recorded a new episode of the No Credit Needed Podcast. For those who are new to the podcast, or podcasting in general, a podcast is an Internet radio show.  The show is free, and you can download it to your computer, listen to it via iTunes, or listen to it directly from the NCN Podcast website.  If you own an iPod, you can subscribe to the podcast via iTunes, and new ep […]

Recent NCN Network Chart Updates

Here are the most recent updates from the No Credit Needed Network. LadyT 444goingup 2bdtfre snowedin Time4Change MoneyLibertyDebt - Completed Chart LooniesAndSense DebtDumbie LTsDebt SaveSaveSave GetDwn2zero debtmaven Click a link above to view a member’s chart. Click here to view the No Credit Needed Network homepage. The NCN Network is a place for members to post a financial goal […]

Current Retirement Asset Class Allocation

Here’s a look at our current retirement investment portfolio.  These numbers are current as of today.  This breakdown does not include my wife’s pension plan, nor does it include money invested for college education savings.  We use four accounts to save for retirement (in addition to my wife’s pension).  My 403(b), my Roth IRA, my wife’s Roth IRA, and a SEP IRA for business income investing. Lar […]

Some More No Credit Needed

After a long conversation with my wife, she has encouraged me to continue writing here at No Credit Needed.  She knows how important the site is to me.  So, please disregard the previous post, where I declared that I would no longer be writing articles for No Credit Needed. I want to thank those who left comments and sent emails.  My wife and I were touched by your kind words.  No Credit Needed is […]