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No Credit Needed

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No Credit Needed, a personal finance blog with over 4000 subscribers, averages 40,000 unique visitors per month and over 75,000 page views per month. Advertisers looking to reach people who are interested in debt reduction, banking, insurance, credit cards, financial information, retirement, investing, stocks, budgeting, and credit management, have come to the right place.

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Latest Posts from No Credit Needed (page 8)

Structure And Freedom

Published Thursday, June 23, 2011 - 07:00 by No Credit Needed

Over the years I have learned the true value of creating structure and following a routine.  My wife and I use the following structured systems to control spending, plan for saving, and manage our finances. Monthly Calendar – Each month we sit down and plan out that month’s events and scheduled activities.  We brainstorm and try to be thorough.  We list doctors visits, school functions, church eve […]

Saving For A Car

Published Monday, June 13, 2011 - 07:00 by No Credit Needed

I drive a 2001 Honda Accord.  It’s a great little car.  Right now, it has a little over 175,000 miles on it.  Sooner or later (let’s hope, later) I’m going to need to buy a newer automobile.  Here’s my process for saving for a car – or any other major purchase. 1.  Using the super-handy You Need a Budget software, I create a budget category labeled: Automobile Replacement. 2.  I estimate the numbe […]

Debt Reduction Basics

Published Monday, June 6, 2011 - 07:00 by No Credit Needed

I want to thank those of you who have been reading No Credit Needed for years – and welcome new readers.  No Credit Needed is the story of our journey from “being in debt” to “being financially free”.  Over the past six years, we’ve accomplished a great deal – but we still have so much more to do! At its core, No Credit Needed is, primarily, a “debt reduction blog”.  While I write about a wide arr […]

Two Rocking Chairs

Published Saturday, June 4, 2011 - 01:56 by No Credit Needed

There are these two white rocking chairs on our front porch.  The one on the right is mine, the one on the left is my wife’s.  Like most things in marriage, I’m not sure how we arrived at this particular sitting arrangement, but arrive at it, we did. Most evenings, right before the sun sets, we’ll sit on the front porch, rocking, and watching our kids play.  Our youngest will usually be near us, c […]

Mortgage Payoff Progress For May With Chart

Published Friday, June 3, 2011 - 01:16 by No Credit Needed

In February of 2010 my wife and I purchased our very first home.  We have a conventional 15-year mortgage and our plan is to pay it off in less than 10 years.  Our stretch goal is to pay it off in less than 7. As of May 31, 2011, we have made 15 regular mortgage payments – and several, additional, principal-only payments. When I posted February’s update, we had paid off 5.72% of our mortgage debt. […]

Ants In Air Conditioner

Published Wednesday, May 11, 2011 - 11:07 by No Credit Needed

We have two HVAC systems.  One controls the temperature downstairs, while the other controls the temperature upstairs. Less than two months ago, I had both HVAC systems cleaned and inspected, so I was shocked when one of them started acting up.  I would turn on the upstairs system, air would circulate, but instead cooling, the room remained warm.  Upon inspection, I noticed that the fan, inside th […]

Mortgage Payoff Progress For April With Chart

Published Thursday, May 5, 2011 - 08:46 by No Credit Needed

In February of 2010 my wife and I purchased our very first home.  We have a conventional 15-year mortgage and our plan is to pay it off in less than 10 years.  Our stretch goal is to pay it off in less than 7. As of March 31, 2011, we have made 13 regular mortgage payments – and several additional principal-only payments. When I posted February’s update, we had paid off 5.72% of our mortgage debt. […]

Increasing Emergency Fund Balance

Published Monday, May 2, 2011 - 00:17 by No Credit Needed

We have decided to increase the amount of money that we keep in our emergency fund. One of our goals is to keep an amount equal to six months’ worth of expenses in our emergency fund.  The primary purpose for the money in our emergency fund is to replace (or supplement reduced) income. Income designated for mid- and long-term savings goals (like automobile replacement, new furniture, etc.) is kept […]

Mortgage Payoff Progress For March With Chart

Published Friday, April 1, 2011 - 22:33 by No Credit Needed

In February of 2010 my wife and I purchased our very first home.  We have a conventional 15-year mortgage and our plan is to pay it off in less than 10 years.  Our stretch goal is to pay it off in less than 7. As of March 31, 2011, we have made 13 regular mortgage payments – and several additional principal-only payments. When I posted last month’s update, we had paid off 5.72% of our mortgage deb […]

Mortgage Payoff Progress For February With Chart

Published Monday, February 28, 2011 - 20:52 by No Credit Needed

In February of 2010 my wife and I purchased our very first home.  We have a conventional 15-year mortgage and our plan is to pay it off in less than 10 years.  Our stretch goal is to pay it off in less than 7. As of February 28, 2011, we have made 12 regular mortgage payments – and several additional principal-only payments. When I posted last month’s update, we had paid off 4.95% of our mortgage […]