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Latest Posts from No Credit Needed (page 27)

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 […]

Bossing Myself Around

Having read countless articles about personal finance and money management, I’ve come to the following conclusion.  The best thing that I can do to insure that I have a sound financial future is to be a better boss – of myself.  Allow me to explain. About four years ago, after spending almost 15 years working (with very little in savings to show for it, and several thousand dollars in credit card […]

Getting Ready For 2010

As preparation for 2010, I’ve spent some time updating automated contributions to various retirement, education, and cash savings accounts.  Here’s the breakdown - My Retirement Accounts - 403(b) – Monthly amount = $1375 A percentage of pre-tax income is deducted from each monthly paycheck. Roth IRA – Monthly amount = $312.50 My goal is to make the maximum allowable contribution for 2010.  For m […]

Financial Priorities And Principles

I think it’s important to focus on simple, achievable goals.  As such, here are my top five financial priorities and principles - Priorities - I will maintain adequate cash reserves, sufficient to replace my income for 12 months. I will remain debt free, paying upfront for all purchases. I will save for retirement, focusing on both pretax and after-tax accounts. I will teach my children sound fin […]

Check Out Cash Commons

I’ve been away from blogging for a few weeks, busy with work.  I want to thank those of you who reached out to say “hi” via Twitter or email.  You guys rock.  Things have settled down now and I should be back to my normal blogging routine. A few weeks ago, MBH from Mighty Bargain Hunter reached out to me and asked me to check out a new site he’s been working on – Cash Commons.  I’ve spent some tim […]

Taking My Daughter To The Bank To Open Her First Savings Account

I am so excited. I am going to take my oldest daughter to the bank and help her open her first savings account! She’s ten now, having recently celebrated her birthday, and she has some birthday-checks to cash.  One of our local banks offers a no-fee, no-minimum balance required savings account for children under 16.  This type of account will be perfect for my daughter. Over the past few years, my […]