No Credit Needed

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Latest Posts from No Credit Needed (page 9)

Discover it Credit Card: 0% Balance Transfers

As I mentioned a few days ago, I am a big fan of finding ways to reduce interest rates. One thing that my wife and I did when getting out of debt was take advantage of a 0% interest rate via a credit card balance transfer. The transfer rate that we took advantage of was for 12 months. Well, Discover has just launched their new Discover it Card, featuring a 0% interest rate for 18 months. Click her […]

Simplify. Everything.

My main goal for 2013? Simplify.  Everything. Over the past few years, I have worked very hard to simplify my life – to focus on  the essential, important things, people, and opportunities in my life. In my relationships, with friends and family, at church and in the community, I have learned to connect with and care for people who add to my life.  This is not to say that I have no time or room fo […]

How I Reduced Monthly Interest and Finance Charges

When my wife and I were getting out of credit card debt, we worked hard to reduce two things - the total debt balance – what we owed to all of our creditors (total credit card debt) and the total amount of interest we were paying each month to finance our credit card debt. When we first started paying off our debt, we were not overly concerned with out various interest rates.  Instead, we focused […]

Happy New Year From No Credit Needed

I hope that you have a blessed and happy New Year! 2012 was an interesting year for me and my family.  On a personal level, it was one of the most fulfilling years of my life.  I have been encouraged in my professional and spiritual life – and I am very excited about 2013. Blogging has changed a lot since I started No Credit Needed back in 2005.  I started the site over at “blogger” – and at that […]

Mortgage Payoff Progress for December 2012 with Chart

My wife and I moved in to our new home in February of 2010. We have a conventional, fixed-rate, 15-year mortgage.  We recently reduced the interest rate on our mortgage. Our goal is to pay it off our mortgage in less than ten total years. As of December, we have made 33 regular, monthly mortgage payments. We have also made several additional principal-only payments. Our mortgage payment is drafted […]

Plant A Garden

Last year, I planted a small garden. Throughout the spring and summer, we had fresh strawberries, butter beans, and onions. This year, I plan to expand my garden.  I will be adding a couple of raised beds – and trying my hand at growing watermelons, potatoes, and assorted beans. My goal is to be healthy – and frugal.  Here are some tips for planting a garden, without breaking the bank. Place your […]

Travel With A Plan

I love the beach. When I retire, I want to live where 50 degrees is considered “cold weather” – and I can rock flip-flops 300 days a year. As it stands right now, a couple of trips to the beach each summer will have to do, seeing as how my wife and I have jobs, three kids, a mortgage, and are both years from retirement. So, when we do get a chance to go the beach – we want our trips to be memorabl […]

Credit Cards On Pause

When my wife and I decided to get out of debt, we did three things. First, we created a simple to use zero-based budget. Second, we established an emergency fund. Third, we stopped using our credit cards. Essentially, we put them on pause. We didn’t cancel them and we didn’t cut them up.  Instead, we simply stopped using them. Here are the details: Why did we stop using our credit cards? We were s […]

Debt Reduction Takes Attitude

Over at Money Smart Life, there’s a great article about personality traits and how they can help pay off debt.  I particularly like Miranda’s take on the importance of patience - Sometimes, it’s not about the impetuous and grand gesture. Sometimes it’s about patiently sticking to your plan for the next three years. […]

Personal Finance Books For The New Year

January, with its New Year’s resolutions, is just around the corner. Now is a great time to read a couple of personal finance books, dust off the old calculator, and get prepared for an awesome 2013. Personal finance books make for great gifts, too! Below, you will find links to my favorite books about personal finance. Each one, in its own way, helped me, motivated me, challenged me, inspired me, […]