No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 25)

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  Remember to also include any payments that are automatically withdrawn from your checking […]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 […]

No More No Credit Needed

Edit - At the request of my wonderful wife, I have decided to CONTINUE to post new articles here at No Credit Needed.  She insisted, especially after reading several of the kind emails and comments.  I have decided, however, to stop producing new content for several other sites, so that I can focus my attention here. Original Post - I have come to difficult decision.  I have decided to stop publi […]

How Can I Lower My Credit Card Interest Rate?

Call the company that issued your credit card and ask the CSR for a lower rate. Be civil Speak with authority If a lower rate is not offered, ask to speak to a supervisor. Ask the supervisor for a lower rate. Be civil Speak with authority Mention any plans that you might have of transferring your balance to another credit card company. Remind the supervisor that you would prefer to remain with […]

Great News - My Parents Are Debt Free!

I have some awesome news that I want to share with you  guys. My parents are debt free! I just got off the phone with my Dad, and he was so excited.  For more than two years, my Dad has been focused on paying off his mortgage.  Month after month, he made his regular payments, and then used every, extra available dollar to reduce his principal.  Today, he was able to walk into his credit union, han […]