No Credit Needed

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Latest Posts from No Credit Needed (page 6)

We Have Paid Off 20% Of Our Mortgage – October Update

My wife and I continue to work hard to payoff our home mortgage. As of the end of October 2013, my wife and I will have lived in our home for 3 years and 8 months. We have paid off more than 20% of our mortgage balance! We have a conventional, fixed-rate, 15-year mortgage and our goal is to pay off our mortgage in less than ten total years. As of November 1, 2013, we will have made 44 regular, mon […]

It Never Hurts To Call

I got dinged with a late-payment fee. It happens. Last month, it happened to me.  Twice. I’m usually very thorough when it comes to paying our bills on time.  However, last month, something happened, and not one, but two bills went unpaid.  Once I realized that I had missed the payments, it was too late.  They were past-due and we had been charged late fees. So, two days ago, I paid both bills, in […]

Mortgage Payoff Progress For August 2013

My wife and I continue to work hard to payoff our mortgage. As of the end of August 2013, my wife and I will have lived in our home for 3 years and 6 months. We have a conventional, fixed-rate, 15-year mortgage and our goal is to pay off our mortgage in less than ten total years. […]

The Coolest DIY Youtube Channels

I love resources that encourage self-sufficiency – and help us save money.  I also love DIY projects – like my DIY rain barrel, the kids’ playhouse, and our compost bin made from old pallets. Youtube is my “go to” site for DIY videos. […]

Cool Posts – Tax Holidays – Visualize – Celebrate

Here are this week’s cool posts from my fellow personal finance writers - Financial Ramblings has compiled a list of the 17 states that are observing some form of state sales tax holiday in 2013.  School is just around the corner and it’s time to buy school supplies.  We take advantage of our state’s sales tax holiday each year. Girl Meets Debt had one of those awesome moments of pride that come […]

Printable Grocery Price Book

We use a grocery price book to monitor the fluctuating prices of groceries at our local supermarkets.  When specific items go down in price, we purchase those items in quantity.  The grocery price book helps us know when to purchase – and when to wait. I have created a printable grocery price book for my readers.  It’s the same, simple-to-use price book that we have been using for years to save mo […]

How We Found Our Home

Four years ago, my wife and I decided that the time was right for our family to purchase a new home.  With a down-payment in our savings, we started our search.  Here’s how we found our home - We began our search within a 20 mile radius of my wife’s workplace.  We live in a rural part of our state – but there are several small neighborhoods within our desired area. Once or twice a week, I would ch […]

Dollar For Dollar Debt Reduction

My wife and I continue to work towards paying off our mortgage.  Each month we make our regular mortgage payment – and then we make an additional, principal-only payment. For those curious, we send the regular mortgage payment on the first day of the month – and the principal-only payment on the second day.  Our mortgage company (actually, the mortgage company that purchased our mortgage from our […]

Put That First Debt Balance In The Rear-View

After establishing an emergency fund, my wife and I began to eliminate our debt.  Here’s what we did. We made minimum payments to all of our creditors.  We never missed a payment and all payments were made on-time. We listed our creditors in order, by balance owed, smallest to largest. We attacked the first balance on our list, by sending principal-only payments to our creditor.  Click to read abo […]