No Credit Needed

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Latest Posts from No Credit Needed (page 27)

Our Financial House – The Footer

Back when I was a kid, maybe 13 or 14, my Dad inherited some land from a relative.  My parents soon decided to build a house on the land.  As part of the preparation for building the house, we had to dig a footer (also know as a footing).  For those who are unfamiliar with the term, a footer is a reinforced concrete pad that sits below the foundation of a house.  Digging and pouring a footer is ha […]

What Works For Me – Combining Our Finances

My wife and I have been married for almost thirteen years.  For that entire time, even before we got serious about managing our money, we believed in combining our finances.  Here’s our simple system and what works for us. Our Combined Finances - Checking Accounts - We have one, joint, primary checking account.  My wife and I can both write checks from this account.  We both have debit cards assoc […]

Next Month Syndrome

There was a time when I was infected with a terrible condition – Next Month Syndrome When my credit card bill came in the mail, I would make a promise to myself - Next month, I’m going to do better. When I reached for my credit card to make ends meet, I would promise myself - Next month, I’m going to do better. When a friend would mention that he was living on a budget, I would promise myself - Ne […]

Keeping A Close Eye On Those Medical Bills

I recently had to have a kidney stone removed.  The hospital estimated the cost of the procedure, and offered me a 20% discount – if I paid my portion on the day of the procedure.  I paid the estimated amount and had the procedure. Today, I received the actual explanation of benefits from my insurance company.  I am happy to report that my portion of the cost of the procedure is several hundred do […]

What Works For Me – Budget Categories

There are dozens of budgeting products on the market.  I’m partial to the You Need A Budget system, but there are other great systems available.  Find a system that works with you, fine tune it to meet your needs, and then use your budget as a tool. After selecting a budgeting system, it’s important to create specific budget categories.  When I first started budgeting, I had way too many categorie […]

$4 And $10 Generic Prescriptions From Walmart, Kroger, and Target

Two weeks ago, I had a procedure to remove a kidney stone.  After the procedure, my doctor gave me a prescription for an antibiotic.  I had my local pharmacist fill the prescription.  I am feeling much better and I am happy to be kidney stone-free. The antibiotic that I was prescribed is covered by our health care plan and was available at our local pharmacy for a discounted price.  While I mentio […]

What Works For Me – Debt Reduction Mindset

There are thousands of websites and hundreds of books about debt reduction and debt reduction techniques.  Personally, I’ve written several articles about my own debt reduction journey, a comprehensive guide covering how to get out of debt, and I’ve even created my own personal debt reduction method. Today, I thought it might be beneficial to look beyond the methods and techniques, and really thin […]

Twitter Finds And Friends

I am a big fan of Twitter.  It’s amazing how quickly information can flow, from tweet to tweet, and person to person. If you haven’t done so, feel free to follow my tweets, and say Hello. Today’s Twitter Finds And Friends - Finds - Do you like bean bag chairs?  Do you like personal finance forums?  Then, you’ll love Moolanomy’s current giveaway.  Register for the new Moolanomy Answers and you coul […]

Recent NCN Network Chart Updates

Here are the most recent chart updates from the No Credit Needed Network - DebtFree4ever marissa outofthered1 SavingInDebtOut SickNTiredEFund ChrystaGoingBroke DebtFreePostDeployment SockinItToDebt Snowflake Snowballer KeepMyMoney Jocelyn Time4Change Caryatid Canuck in Debt Click here to see a complete list of NCN Network members and their charts. Follow me via Twitter […]