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beach  card debt  credit card  credit  debt  drawer  emergency fund  home  kitchen  money  ready  sale  saved  yard sale  yard 
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Preview: No Credit Needed

No Credit Needed

Saving Money and Reducing Debt

Last Build Date: Wed, 26 Jul 2017 11:00:20 +0000


Pay Down Credit Card Debt

Wed, 26 Jul 2017 11:00:20 +0000

I started No Credit Needed as a place to track our progress while getting out of debt.  Here’s what we did to pay off our credit card debt, step-by-step: We created a zero-based budget. We established a savings account for our $1000 emergency fund.  While getting out of debt, we had two mini-emergencies and were very thankful for our emergency fund. We listed our debts, smallest balance to highest balance. We chose this classic snowball-method, because it suited us.  We liked the victories associated with paying off those smaller balances, quickly. We made minimum payments to all of our accounts, on time. We made an extra, principal-only payment to the first account on our list. Throughout the month, as we…(image)

How To Quickly Sort And Organize A Room

Tue, 25 Jul 2017 12:00:20 +0000

As i mentioned yesterday, we are getting ready for a multi-family yard sale.  I thought folks might like a little more information about how we sort through our stuff and organize a room.  Our goal is to have a functional, comfortable space. Let’s start with the kitchen – home of the dreaded junk-drawer. In our kitchen, we have seven drawers – a drawer for silverware, a drawer for sharp knives, a drawer for various utensils (spatulas, tongs), a drawer for kitchen towels and wash cloths, a drawer for electronics (chargers, charging cords), a drawer for home office supplies (pens, pencils), and a drawer for bills and paperwork. Our process is pretty straightforward.  The contents from a drawer is removed and…(image)

Getting Ready For A Yard Sale

Mon, 24 Jul 2017 12:00:00 +0000

We a planning to participate in a multi-family yard sale the first Saturday in August.  I’m pumped.  We should be able to make a few bucks, get rid of some clutter, and better organize our home. We have secured a location for the yard sale and obtained all of the necessary permits.  We plan to spend the Friday evening before the yard sale, pricing specific items and getting ready for the sale.  Also, we’ll have change on hand and a secure place to store any money we will receive.  After the sale is over, we’ll donate any of the remaining items to a local charity. Beginning last week, I divided our house into manageable sections – and began to sort…(image)

Money And Our Summer Vacation

Wed, 07 Jun 2017 04:01:48 +0000

My family and I recently returned from an awesome week at the beach.  The weather was great – not too hot, but warm enough for swimming and hanging out at the beach.  We had a blast. Each year, we visit that same area – but shop around for the best deal on a local condo.  This year, we found an amazing, three-bedroom, three-bathroom condominium, just across the road from the beach. We saved money by picking a non-beachfront unit.  By walking about 100 extra feet, we saved several hundred dollars. Our kids are now old enough to move about the condo complex on their own – so we also saved a little money by being on the fourth floor, rather…(image)

What To Do With A Tax Refund

Mon, 13 Mar 2017 03:14:00 +0000

My wife and I filed our taxes this evening.  The process was pretty straightforward and only took a few hours.  We have a small refund heading our way – we plan to use it to help rebuild our long-term cash savings. Over the years, we have used our tax refunds for:- funding our emergency fund, purchasing furniture for our new home, paying off credit card debt, and going on vacation. In a perfect world, we would have our withholding dialed in, and our refund would be very, very small.  As many have stated before, there’s no reason to give the government a “tax free loan”.  The reality is, our income fluctuates each year, and we would rather play it safe…(image)