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Latest Posts from No Credit Needed (page 9)

How We Found Our House

Published Tuesday, February 22, 2011 - 07:00 by No Credit Needed

Three years ago, right before the birth of our third child, my wife and I started looking for a new house.  After two years of saving, searching, and praying, last February, we purchased our new house.  We love the house – and couldn’t be happier with out decision. Before we ever started looking, we made a list of what we wanted in the new house.  We have three kids, two girls and a boy, so we kne […]

My First Raised Bed Garden – The Build

Published Monday, February 14, 2011 - 18:58 by No Credit Needed

Over the past few weeks I have been gathering supplies in preparation for building my first raised bed garden.  The weather has been unusually cold this winter, so I was very pleased when I woke up this morning and it was nice outside.  Time to build the raised beds! Before I get to the pictures of the actual build – a little back story.  Several years ago I stumbled across Mel Bartholomew’s awes […]

How To Stock A Pantry

Published Monday, February 14, 2011 - 07:45 by No Credit Needed

With grocery prices on the rise and the recent spate of bad weather, I have been busy stocking our pantry with nonperishable foods and household items.  Here’s how I stock out pantry and ensure that goods are in-date and readily accessible. Find a location for pantry items - Technically, a pantry is a small storeroom for foods, but you can use a large kitchen cabinet, a couple of shelves in the l […]

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Published Saturday, February 12, 2011 - 14:12 by No Credit Needed

I want to thank those of you who regularly visit No Credit Needed and have already subscribed to the site. For those of you who are new to the site, welcome! […]

Plan For Our Tax Refund

Published Friday, February 11, 2011 - 23:26 by No Credit Needed

I have almost finished working on our 2010 tax returns.  We will owe a very small amount in state taxes, but it looks like we’ll get a refund (think hundreds, not thousands) from Uncle Sam. Instead of using the money to go on a vacation, or to make a down-payment on a new car, or for buying a big screen television, every penny will go towards paying down our mortgage.  This week’s articles about […]

My First Raised Bed Garden – Getting Ready

Published Thursday, February 10, 2011 - 15:43 by No Credit Needed

I am in the process of building my first raised bed vegetable garden.  One of my goals for 2011 is to eat fresh foods – especially fresh fruits and vegetables.  I am in the alpha-stage of planning the garden, and I thought it might be beneficial to track my progress, from start to (hopefully successful) finish. I plan to grow strawberries, cucumbers, zucchinis, watermelons, cantaloupes, butter be […]

Debt Reduction Success With The Happy Rock

Published Wednesday, February 9, 2011 - 17:32 by No Credit Needed

I recently conducted an email interview with one of my fellow personal finance writers, Frank from over at The Happy Rock.  Frank has written about his own debt reduction success, having paid off $70,000 in four years! Here’s my favorite snippet from his post- We watched our spending, trimmed our expenses, and put every extra penny towards debt. […]

Inspiration To Get Out Of Debt

Published Tuesday, February 8, 2011 - 08:21 by No Credit Needed

The following resources both inspired me to get out of consumer-debt and keep me motivated as I strive to pay off my mortgage.  Check out- Financial Calculators - A random search of the Internet lead me these debt calculators from over at Dinkytown.  Once I plugged in my own credit card debt and automobile debt, and ran the calculations for various payment methods, I was off and running. Radio Pr […]

We Are Living Debt Free – 5 Years And Counting

Published Monday, February 7, 2011 - 08:30 by No Credit Needed

As I mentioned in yesterday’s post, my wife and I just celebrated our fifth year of living debt free. Here’s how our decision to get out of consumer debt changed our lives: We do not pay interest.  We earn it. This one is pretty obvious.  Instead of paying interest to various credit card companies or financial institutions, we earn interest on our savings.  Even though rates are relatively low, i […]

Our Plan For Remaining Consumer-Debt Free

Published Monday, February 7, 2011 - 07:00 by No Credit Needed

This week marks our fifth year of living debt free.  In a previous article, I shared how our decision to get out of debt has changed our lives.  Now, it’s time to share our plan for remaining (consumer) debt free – and paying off our mortgage. We continue to live on a budget. One of the benefits of being debt free can quickly become a curse – “extra” cash.  Think about it.  Without monthly paymen […]