No Credit Needed

Debt Reduction Rocks - We Are Living Debt Free!

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Latest Posts from No Credit Needed (page 7)

Credit Cards On Pause

When my wife and I decided to get out of debt, we did three things. First, we created a simple to use zero-based budget. Second, we established an emergency fund. Third, we stopped using our credit cards. Essentially, we put them on pause. We didn’t cancel them and we didn’t cut them up.  Instead, we simply stopped using them. Here are the details: Why did we stop using our credit cards? We were s […]

Debt Reduction Takes Attitude

Over at Money Smart Life, there’s a great article about personality traits and how they can help pay off debt.  I particularly like Miranda’s take on the importance of patience - Sometimes, it’s not about the impetuous and grand gesture. Sometimes it’s about patiently sticking to your plan for the next three years. […]

Personal Finance Books For The New Year

January, with its New Year’s resolutions, is just around the corner. Now is a great time to read a couple of personal finance books, dust off the old calculator, and get prepared for an awesome 2013. Personal finance books make for great gifts, too! Below, you will find links to my favorite books about personal finance. Each one, in its own way, helped me, motivated me, challenged me, inspired me, […]

Getting Out Of Debt

I love this time of year.  I love giving gifts, hanging out with family, and enjoying time off from work. What I don’t love about this time of year – and what many families struggle with after this time of year – is credit card debt. So, let’s put together a plan of action, so that when those bills arrive in January, we’re ready to pay off that credit card debt – and be in a position to pay cash f […]

Hit The Brakes – Get Real About Your Debt

This article is step 2 of the Hit The Brakes – Get Real series.  I encourage you to read step 1 – Get Real About Your Expenses. In this series, we’ll examine ways to stop adding to current debt balances, create a basic budget, and begin the process of moving forward with a solid debt reduction plan. Now that you have a list of next month’s expenses – it’s time to get real about your debt. You’ll n […]

Hit The Brakes – Get Real About Your Expenses

Being in debt stinks.  For real. I know.  For years I lived with credit card and automobile debt, worried and frustrated.  So, one day, I decided to do something about my debt. I hit the brakes. I stopped – took a look at where I was – and decided to go in a whole new direction. No Credit Needed was born and my life changed – forever. I think it’s time for a new series here – one I’m calling Hit t […]

Mortgage Payoff Progress for October 2012 with Chart

It has been quite some time since I last updated you guys on our mortgage reduction progress.  First, a couple of reminders: My wife and I have a conventional 15-year mortgage and we recently reduced our interest rate.  Our September payment was the first payment to made at our new interest rate. My wife and I purchased our first home back in February of 2010. […]

Georgia Sales Tax Holiday 2012 August 10 – 11

This Friday and Saturday, Georgia shopper’s can take advantage of the state’s first sales tax holiday since 2009. According to the official Sales Tax Holiday Fact Sheet - available as a PDF on the Georgia Department of Revenue website - During the August 10-11 sales tax holiday, the following items will be exempt: Clothing (including footwear) with a sales price of $100.00 or less per item Single […]

Tree Limb Fell On My Truck And Totaled It

A few weeks ago, I walked outside ready to mow the lawn.  As I backed the lawn mower out of the shed, something caught my eye.  My old truck – surrounded by a huge pile of tree limbs. It was parked on the opposite of our yard, facing away from where I was standing.  I couldn’t really see the front of the truck, but I could see the tree limbs, scattered all around it. So, I parked the lawn mower, w […]