No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 5)

Get Out of Debt – Get Focused and Get Free

Several years ago, my wife and I decided to get out of debt.  That decision changed our lives.  We focused our time, effort, and energy – and paid off all of our consumer debt.  We paid off our cars and our credit cards – we were free. Some time later, we made a down-payment on a new home and I changed jobs.  We were able to take both of these “life steps” because we were free from the burden of c […]

DIY Videos – Preparing To Build New Cabinets And Greenhouse

I am a big fan of DIY projects.  Over the past few months, I have built a picnic table, replaced our garbage disposal unit, and repaired our clothes dryer.  I tackled all of these projects using two sources of information – my Dad, who is an awesome handyman – and youtube. I have a couple of projects planned for the coming months, so I thought I would share the videos I’ve bookmarked for both info […]

See Your Life And Save Money

A few weeks ago, two huge trees were removed from the property directly behind our house.  The trees were massive oaks, 100+ years old.  Unfortunately, both were diseased and had to come down. After the trees were felled, I noticed something.  Right next to both trees, “hidden” in plain sight, were four smaller trees – all ready to leaf-out for Spring. We tend to focus on the “oaks” in our lives – […]

Mortgage Payoff Progress End Of February 2013 With Chart

My wife an I are working hard to achieve our goal of paying off our mortgage early. As of March 2013, my wife and I will have lived in our new home for 3 full years. We have a conventional, fixed-rate, 15-year mortgage. […]

What We Plan To Do With Our Tax Refund

I have been working on our taxes and it looks like we will be getting back a small refund – think hundreds, not thousands. My wife and I usually over-estimate withholding, just a bit, due to the fact that I have self-employment income, which tends to vary from year to year.  We prefer to send in a bit more, just to be on the safe side. We will use our modest tax return for three things - Vacation […]

Working On Website

It has been several years since I changed the look of No Credit Needed. In an effort to simplify things, I have removed much of the clutter from the side-bar, changed the layout, and removed unnecessary code. I like the new green and gray color scheme. I may or may not update the header with a new graphic.  Right now, I’m digging the super-simple interface of this theme. Check the site out – and f […]

Working On Our Taxes

I spent an hour last night working on our taxes. I have entered information about our income, child care costs, and various deductions. I am still waiting on a couple of tax-related documents, so for a trial-run, I estimated.  It looks like we will be receiving a small refund from the federal government and owe a small amount to our state government. I can remember the first time I filed taxes.  I […]

Zero Percent Balance Transfer From Discover

I dislike debt.  I loathe paying interest. I recently managed to lower the interest rate on our home mortgage. With a lower rate, more of our monthly payment goes towards principal reduction and eliminating our mortgage. When were digging our way out of credit card debt, we used a zero percent balance transfer to reduce the interest rate on a portion of our credit card debt. Discover recently laun […]

Save Money When Eating Out

My wife and I have 3 kids.  We prefer to feed them home-cooked meals, but there are times when it’s fun and/or convenient to eat out.  Here are a few ways that we have learned to save money when eating out – with kids! Budget for eating out. This is critical.  Folks often underestimate how much they are going to spend on eating out – and run into problems at the end of the month.  If you are going […]

Paying Off Mortgage Progress January 2013

My wife an I are working hard to achieve our goal of paying off our mortgage early. As of February 2013, my wife and I will have lived in our new home for 3 years. We have a conventional, fixed-rate, 15-year mortgage.  We recently reduced the interest rate on our mortgage. Our goal is to pay it off our mortgage in less than ten total years. As of February 1, 2013, we will have made 35 regular, mon […]