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No Credit Needed



Saving Money and Reducing Debt



Last Build Date: Wed, 07 Jun 2017 04:01:48 +0000

 



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)



Paying Off Our Mortgage – Update For February 2017 With Chart

Mon, 20 Feb 2017 20:06:57 +0000

My wife and I are working to pay off our fixed-rate, conventional, fifteen-year mortgage. Our goal is to eliminate our mortgage debt in less than 10 years.  We have been paying off our mortgage for 7 years now – and it’s cool to see more and more of our monthly payment go towards our principal.  I use a simple pie-chart to track our progress – and post our updates here at No Credit Needed. Having a visualization keeps us motivated!  Here’s a chart with details for our current progress –   The percentages above represent the amount of our mortgage we have paid – 42% – and the amount we still owe – 58%. Our process is pretty simple –…(image)



Day 3: The Shed Must Be Organized!

Wed, 30 Nov 2016 03:46:48 +0000

Several years ago, I purchased a really nice barn-style shed to store my lawn mower and a few tools. Since then, I have added a lean-to to the side of the shed – and now park my mower there. As of right now, the inside of the shed is literally over-flowing with tools, Christmas decorations, and an assortment of other stuff/junk. Before you think bad of me, allow me a few more details. I was recently gifted with a huge selection of power tools, fasteners, hardware supplies, and other belongs-in-the-shed type items – but I haven’t had the time to organized them. They’re just in the shed, ready to be sorted. That’s this week’s after-work project. Here’s a picture of…(image)



Deals On Stuff They’ll Love – And Use!

Sun, 27 Nov 2016 19:24:57 +0000

It’s that time of year – time to buy gifts for our friends and family.  I love giving gifts, I love saving money, and I would prefer that the gifts that I give be practical. I’ll skip over some of the more traditional gifts – and focus on things that can be used, year-long. Here are a few of the things I’m purchasing (or have purchased) this year: Click on the individual items for up-to-date pricing! The Zinus Memory Foam mattresss is awesome.  It is comfortable, holds its shape, and has more than 70% 5-star reviews.  We have one – and will be buying another, for our youngest. (This item is discounted, today!) The Coleman Quad Chair is perfect for…(image)