No Credit Needed

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Latest Posts from No Credit Needed (page 7)

Establish An Emergency Fund

When my wife and I decided to get out of consumer and credit card debt eight years ago, the first thing we did was establish an emergency fund. Our reasoning, based on the awesome book – The Total Money Makeover – was quite simple. We wanted to be able to deal with unforeseen expenses without adding to our credit card debt. […]

Save Money And Consume Less In The Kitchen

I love coupons, and routinely use them to save money on groceries.  However, I think that it is also important to focus on, shall we say, post-purchase frugality. Start with smaller portions - We are a family of five, with three children.  Often, our kids will put more on their plates than they can actually eat.  Start them off with a smaller portion and then allow for seconds.  This also works fo […]

Mortgage Payoff Progress For June 2013

My wife and I continue to work hard to payoff our mortgage. As of the end of June 2013, my wife and I will have lived in our home for 3 years and 4 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. As of July 1, 2013, we will have made 40 regular, monthly mortgage payments. We have also made several additional princip […]

Mortgage Payoff Progress End of April 2013

My wife an I are working hard to achieve our goal of paying off our mortgage early. As of May 2013, my wife and I will have lived in our home for 3 years and 2 months. We have a conventional, fixed-rate, 15-year mortgage. Our goal is to pay off our mortgage in less than ten total years. As of May 1, 2013, we will have made 38 regular, monthly mortgage payments. We have also made several additional […]

A Day For Organizing

It had to be done. Yesterday, I spent several hours organizing paperwork, responding to emails, paying bills, cleaning out my desk, and filing documents. It was boring, headache-educing, and, as my youngest would say, “none fun”. Normally, I’m a pretty organized person.  I have several systems in place for managing bills, paperwork, etc.  However, the past two months were filled with much activity […]

Mortgage Payoff Progress End Of March 2013 With Chart

My wife an I are working hard to achieve our goal of paying off our mortgage early. As of April  2013, my wife and I will have lived in our home for 3 years and 1 month. We have a conventional, fixed-rate, 15-year mortgage. Our goal is to pay off our mortgage in less than ten total years. As of April 1, 2013, we will have made 37 regular, monthly mortgage payments. We have also made several additi […]

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. […]