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Latest Posts from No Credit Needed (page 10)

Cool Posts – Tax Holidays – Visualize – Celebrate

Here are this week’s cool posts from my fellow personal finance writers - Financial Ramblings has compiled a list of the 17 states that are observing some form of state sales tax holiday in 2013.  School is just around the corner and it’s time to buy school supplies.  We take advantage of our state’s sales tax holiday each year. Girl Meets Debt had one of those awesome moments of pride that come […]

Printable Grocery Price Book

We use a grocery price book to monitor the fluctuating prices of groceries at our local supermarkets.  When specific items go down in price, we purchase those items in quantity.  The grocery price book helps us know when to purchase – and when to wait. I have created a printable grocery price book for my readers.  It’s the same, simple-to-use price book that we have been using for years to save mo […]

How We Found Our Home

Four years ago, my wife and I decided that the time was right for our family to purchase a new home.  With a down-payment in our savings, we started our search.  Here’s how we found our home - We began our search within a 20 mile radius of my wife’s workplace.  We live in a rural part of our state – but there are several small neighborhoods within our desired area. Once or twice a week, I would ch […]

Dollar For Dollar Debt Reduction

My wife and I continue to work towards paying off our mortgage.  Each month we make our regular mortgage payment – and then we make an additional, principal-only payment. For those curious, we send the regular mortgage payment on the first day of the month – and the principal-only payment on the second day.  Our mortgage company (actually, the mortgage company that purchased our mortgage from our […]

Put That First Debt Balance In The Rear-View

After establishing an emergency fund, my wife and I began to eliminate our debt.  Here’s what we did. We made minimum payments to all of our creditors.  We never missed a payment and all payments were made on-time. We listed our creditors in order, by balance owed, smallest to largest. We attacked the first balance on our list, by sending principal-only payments to our creditor.  Click to read abo […]

Establish An Emergency Fund

When my wife and I decided to get out of consumer and credit card debt eight years ago, the first thing we did was establish an emergency fund. Our reasoning, based on the awesome book – The Total Money Makeover – was quite simple. We wanted to be able to deal with unforeseen expenses without adding to our credit card debt. […]

Save Money And Consume Less In The Kitchen

I love coupons, and routinely use them to save money on groceries.  However, I think that it is also important to focus on, shall we say, post-purchase frugality. Start with smaller portions - We are a family of five, with three children.  Often, our kids will put more on their plates than they can actually eat.  Start them off with a smaller portion and then allow for seconds.  This also works fo […]

Mortgage Payoff Progress For June 2013

My wife and I continue to work hard to payoff our mortgage. As of the end of June 2013, my wife and I will have lived in our home for 3 years and 4 months. We have a conventional, fixed-rate, 15-year mortgage and our goal is to pay off our mortgage in less than ten total years. As of July 1, 2013, we will have made 40 regular, monthly mortgage payments. We have also made several additional princip […]

Mortgage Payoff Progress End of April 2013

My wife an I are working hard to achieve our goal of paying off our mortgage early. As of May 2013, my wife and I will have lived in our home for 3 years and 2 months. We have a conventional, fixed-rate, 15-year mortgage. Our goal is to pay off our mortgage in less than ten total years. As of May 1, 2013, we will have made 38 regular, monthly mortgage payments. We have also made several additional […]