No Credit Needed

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Latest Posts from No Credit Needed (page 10)

How We Paid Off Our Credit Card Debt

Several years ago, my wife and I paid off our credit card debt.  Here’s how we did it - We changed our spending habits. We stopped using our credit cards and started using the envelope system. We started to have weekly budget meetings and created a zero-based budget. We reduced or eliminated non-essential monthly expenses. We created a debt reduction plan. We chose to follow the debt snowball, ill […]

What To Do With All That Change

We continue to use the envelope system to manage our cash.  We also have three kids, who get paid for some chores – so we always have change around our house. My son, in particular, likes to collect coins.  Right now, he’s into sorting pennies and saving a few in his coin collecting books.  Once he goes through a roll of pennies, he’ll keep the ones that he needs for his collection, and put the re […]

Getting Ready For 2014

It’s almost Christmas!  I cannot believe (he says, in old-man voice) just how quickly this year has flown by.  It’s almost 2014.  Wow. This year has been an interesting year for our family.  We continue to move forward with our financial plan – paying off mortgage and saving for the future – and we are excited for the next year. My wife and I have created a list of financial goals for 2014.  I’ll […]

Forgotten Budget Categories – Home Maintenance

When making a monthly budget, it is easy to forget certain budget categories. One of the most often overlooked and underfunded categories is Home Maintenance. It’s easy to understand.  None of us want to think about stuff breaking – especially in our home – so we tend to ignore this vital category. Over the years, we have employed two different techniques for including Home Maintenance in our mont […]

We Have Paid Off 20% Of Our Mortgage – October Update

My wife and I continue to work hard to payoff our home mortgage. As of the end of October 2013, my wife and I will have lived in our home for 3 years and 8 months. We have paid off more than 20% of our mortgage balance! 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 November 1, 2013, we will have made 44 regular, mon […]

It Never Hurts To Call

I got dinged with a late-payment fee. It happens. Last month, it happened to me.  Twice. I’m usually very thorough when it comes to paying our bills on time.  However, last month, something happened, and not one, but two bills went unpaid.  Once I realized that I had missed the payments, it was too late.  They were past-due and we had been charged late fees. So, two days ago, I paid both bills, in […]

Mortgage Payoff Progress For August 2013

My wife and I continue to work hard to payoff our mortgage. As of the end of August 2013, my wife and I will have lived in our home for 3 years and 6 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. […]

The Coolest DIY Youtube Channels

I love resources that encourage self-sufficiency – and help us save money.  I also love DIY projects – like my DIY rain barrel, the kids’ playhouse, and our compost bin made from old pallets. Youtube is my “go to” site for DIY videos. […]

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 […]