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Zero Percent Balance Transfer From Discover
I dislike debt. I loathe paying interest. I recently managed to lower the interest rate on our home mortgage. With a lower rate, more of our monthly payment goes towards principal reduction and...
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Working On Our Taxes
I spent an hour last night working on our taxes. I have entered information about our income, child care costs, and various deductions. I am still waiting on a couple of tax-related documents, so for a...
View ArticleWorking On Website
It has been several years since I changed the look of No Credit Needed. In an effort to simplify things, I have removed much of the clutter from the side-bar, changed the layout, and removed...
View ArticleWhat We Plan To Do With Our Tax Refund
I have been working on our taxes and it looks like we will be getting back a small refund – think hundreds, not thousands. My wife and I usually over-estimate withholding, just a bit, due to the fact...
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Mortgage Payoff Progress End Of February 2013 With Chart
My wife an I are working hard to achieve our goal of paying off our mortgage early. As of March 2013, my wife and I will have lived in our new home for 3 full years. We have a conventional, fixed-rate,...
View ArticleSee Your Life And Save Money
A few weeks ago, two huge trees were removed from the property directly behind our house. The trees were massive oaks, 100+ years old. Unfortunately, both were diseased and had to come down. After...
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DIY Videos – Preparing To Build New Cabinets And Greenhouse
I am a big fan of DIY projects. Over the past few months, I have built a picnic table, replaced our garbage disposal unit, and repaired our clothes dryer. I tackled all of these projects using two...
View ArticleGet Out of Debt – Get Focused and Get Free
Several years ago, my wife and I decided to get out of debt. That decision changed our lives. We focused our time, effort, and energy – and paid off all of our consumer debt. We paid off our cars...
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Mortgage Payoff Progress End Of March 2013 With Chart
My wife an I are working hard to achieve our goal of paying off our mortgage early. As of April 2013, my wife and I will have lived in our home for 3 years and 1 month. We have a conventional,...
View ArticleA Day For Organizing
It had to be done. Yesterday, I spent several hours organizing paperwork, responding to emails, paying bills, cleaning out my desk, and filing documents. It was boring, headache-educing, and, as my...
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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,...
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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...
View ArticleSave 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...
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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...
View ArticlePut 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...
View ArticleDollar 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...
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Zero Percent Interest For 18 Months
If I dislike anything more than credit card debt – it’s credit card interest. I have searched through the many credit card offers that hit my inbox – and the many offers that I get to promote specific...
View ArticleHow 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...
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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...
View ArticleCool 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....
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