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Latest Posts from No Credit Needed (page 7)

Printable Coupons For August 2012

For several years I have been using a printable grocery price book to track the prices of groceries.  Coupling the price book with coupons – especially free printable coupons – I manage to save quite a bit of money on groceries each month. Now, No Credit Needed is able to offer free, printable coupons, right here on the site! […]

What I Learned From My Old Jobs

When I was fourteen, I got my first, real, paycheck-at-the-end-of-the-week, job.  I spent the summer working on a blueberry farm in South Georgia. The work was hard.  If memory serves, we began harvesting in June and worked through the end of July.  It was hot – but we couldn’t wear shorts or t-shirts.  We had to wear jeans and long-sleeved shirts, because of the briers and wasps that loved to liv […]

Mortgage Payoff Progress for June 2012 with Chart

It’s time for an update on our mortgage payoff progress.  As a reminder – My wife and I purchased our first home back in February of 2010.  Since then, we have been working hard to reduce our mortgage principal and payoff our mortgage early. We have a conventional, fixed-rate 15-year mortgage. […]

Mortgage Payoff Progress for May 2012 with Chart

Two years and two months ago my wife and I purchased our very first home.  We love our new home – and we are working hard to pay off our mortgage. We have a conventional, fixed-rate 15-year mortgage. Our goal is to pay it off our mortgage in less than ten years. As of May 9, 2012, we have made 26 regular monthly mortgage payments. […]

Catching Up

After several weeks of limited posting, I thought it would be nice to catch up with all of you guys.  First off, I hope that you are all doing well!  Here in Georgia, we had a very mild winter – and it already feels like summer.  I think it hit 92 degrees today! My kids and I planted a “garden” this year.  I use the quotes, because we only managed to plant some onions, some strawberries, and some […]

Mortgage Payoff Progress for April 2012 with Chart

Two years ago my wife and I purchased our very first home. We have a conventional, fixed-rate 15-year mortgage. Our goal is to pay it off our mortgage in less than ten years. As of April 9, 2012, we have made 25 regular monthly mortgage payments. We have also made several additional principal-only payments. Our mortgage payment is drafted from our primary checking on the first day of each month. […]

2011 Income Taxes Filed

I have just finished filing my 2011 income taxes.  I used H&R Block at Home Online (now offering a 15% discount). Due to the fact that I changed jobs mid-year, my annual income was a little lower in 2011 than it was in 2010.  Couple that with the fact that we now have a mortgage (and mortgage interest) – and we received a little-bit-bigger-than-anticipated refund. I am not a big fan of “loaning” t […]

Mortgage Payoff Progress for January 2012 with Chart

Two years ago my wife and I purchased our very first home. We have a conventional, fixed-rate 15-year mortgage.  Our goal is to pay it off our mortgage in less than ten years. As of January 13, 2011, we have made 22 regular monthly mortgage payments.  We have also made several additional principal-only payments. Our mortgage payment is drafted from our primary checking on the first day of each mon […]

When all is Said and Done, it is the Done that Counts

When all is said and done, it is the done that counts. Lots of folks spend their time talking about their problems, especially their financial problems.  Only a select few ever commit to the task of fixing those problems.  The talking is important, but only if it actually leads to real changes.  Decisions must be made, goals must be created, and plans must be implemented.  Real progress demands re […]