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Latest Posts from No Credit Needed (page 9)

Make The Payment To Yourself

My wife and I have been saving up for a new-to-us automobile. Instead of financing the purchase of a newer car, we have been making monthly payments to ourselves. Each month I initiate a transfer from my local checking account to my online savings account.  (ING Direct makes these transfers super-simple to set up.) The amount transferred is equal to the estimated cost of the vehicle, divided by th […]

Beginning And Ending And Beginning Again

Over the past several weeks, I have been working on several projects around the house.  I built my son a bunk bed (picture below).  I constructed a storage-and-shelving unit for the shed.  I installed a new mailbox, with a a new post, and I tilled and planted a new flower bed, around the post. I love working on a project, especially when it has a definitive beginning and ending.  For instance, the […]

Refinancing Our Mortgage

In an effort to both save money on interest and lower our monthly mortgage payment, we have decided to consider refinancing our mortgage.  I have spoken with several lenders and it looks like we can refinance our loan – and reduce or interest rate by more than a full percentage point. When we purchased our home nearly two years ago, rates were already very low (historically speaking).  We happy wi […]

Mortgage Payoff Progress For August With Chart

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 September 16, 2011, we have made 18 regular mortgage payments – and several, additional, principal-only payments. When I posted February’s update, we had paid off 5.72% of our mortgage […]

Buy 1 Photo Book And Get 2 Free From Snapfish

Between now and September 19, 2011 Snapfish is offering a Buy 1, Get 2 deal on  Photo Books with Code:LOVE8X11 Exp: 9/19. Click the link and enter the code at checkout for the deal. We have three kids – and two sets of grandparents. […]

Opened An Online Savings Account For Our Child

My son has the awesome Digital Football Coin Bank.  He uses it to collect and count “spare change”.  A couple of months ago, he and his grandfather started a contest – to see who could be the first to collect $100.  My son won.  Handily. So, building on his new found enthusiasm for saving money, I asked him if he wanted to open his own online savings account.  He’s seven – so you already know, his […]

One Month At The New Adventure

I have been at my new job for a little over a month now – and I’m loving it.  As I mentioned in my last post, I am working with a group of very dedicated folks, starting a new church in our area.  I have been extremely busy – getting to know everyone at the new church, figuring out how to best allocate our resources, and working hard to share our message with the community. Today, I took (most) of […]

A New Adventure

I haven’t posted at No Credit Needed for the past few weeks, because my family and I have been preparing for a major change in our lives – a new adventure, if you will. Today, I am starting a new job! Over the past ten years, I have worked in Christian ministry with a great group of people at a great place.  A few months ago, God began to open the door for me to move to a new ministry, one that I’ […]

Mortgage Payoff Progress For June With Chart

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 June 27, 2011, we have made 16 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 […]