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Latest Posts from No Credit Needed (page 8)

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 […]

Mortgage Payoff Progress for July 2012 with Chart

It’s that time again – time for an update on our mortgage payoff progress.  As a reminder – My wife and I have a conventional, fixed-rate 15-year mortgage.  Also, yesterday, we finalized the process of reducing the interest rate on our mortgage, and re-amortized our loan.  So, our August 1st payment was the last payment made under the old interest rate – and the September 1st payment will be the f […]

Lowered The Interest Rate On Our Current Mortgage

I have just completed and mailed the paperwork necessary to lower the interest rate on our current mortgage. As I mentioned just a few days ago, my wife and I have been considering refinancing our mortgage.  Interest rates on a 15-year fixed-rate mortgage are significantly lower now than they were when we financed our home nearly three years ago, so we decided to do some research. We contacted sev […]

Quickly Fund $1000 Emergency Fund

When my wife and I decided to get out of debt, the first thing we did, after creating a zero-based budget, was to fund a $1000 emergency fund.  We then put our credit cards in the back of our wallets – and began the real process of paying down our debt. Open a savings account.  If you don’t already have a savings account – now’s the time to open one.  Personally, I’m a big fan of both the Ing Dire […]

Discover More Zero Percent For 18 Months

I realize that it’s a bit odd for a site called No Credit Needed to feature an article about getting a credit card, but if I hate anything more than credit card debt – it’s credit card interest. […]

Mortgage Refinance Is Almost Here

We have been working hard to pay off our 15 year fixed-rate mortgage.  Recently, mortgage rates have dropped to all-time lows.  Our current loan is already at a low rate, but my wife and I feel that now is the time to refinance. I did some research and was amazed by some of the rates that I found.  I contacted three mortgage providers and three mortgage brokers.  One of the providers was from a la […]

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. […]