No Credit Needed

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Latest Posts from No Credit Needed (page 9)

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 […]

Reduce Debt and Save Money on Groceries

With so many of us focusing on improving our finances in 2012 – I thought it might be beneficial to link to a few of my favorite personal finance-related resources: Free Printable Grocery Store Price Book - I created this printable price book to track fluctuations in the prices of grocery store items.  Download the price book and print several pages.  You can track prices for multiple stores and m […]

The Emergency Fund

Savings.  Rainy-day Fund.  Cash Reserves. The Emergency Fund.  It goes by many names, and whatever you want to call it, ours helped us to get out of debt. Why we established an emergency fund before attacking our debt - When we first decided to start paying off our consumer debt, we were pumped.  It would have been very easy for us to have used every extra dollar to reduce our debts.  However, we […]

Free Antibiotics Prescriptions from Publix plus $4 and $10 Prescription Programs

With three kids, I am always looking for ways to save money on prescription medication.  A few years ago, I found out about the prescription discount programs offered by Walmart, Target, and Kroger.  Each of these stores offer a selection of $4 and $10 medications. I recently spoke with a friend who shops at Publix – and he noted that Publix offers a discounted prescription plan, which features a […]

No Fuss Debt Reduction

If you are ready to get out of debt – and you like to keep-things-simple – you have come to the right place!  Here’s my simple plan for no fuss debt reduction. In just a few minutes, you can create an easy-to-implement debt reduction plan. Grab a pen, a sheet of paper, and your calculator.  You will also need login information for your online banking accounts and for your various creditors.  If yo […]

Get Rid Of The Stuff You Do Not Use

Several years ago, I decided to take control and rid myself of the stuff that I did not use.  I gathered some cardboard boxes, and went to work, removing the clutter from our home.  I went through our closets, cabinets, dressers, and drawers.  I separated our unused stuff in to four boxes. Box 1 – Give It  – I encourage everyone to consider donating a portion (or all) of any unneeded items to a lo […]