Monthly Archives: November 2005

That’s Awesome, Baby!

Here are some of my favorite free things:

Firefox Browser. I love, love, love firefox. Okay, I don’t really love it. But, it is way better than I.E. and it is free. Go download it now and check it out.

Avant Browser. Okay, this isn’t a stand-alone browser. It sits on “top” of I.E., but I still like it. Uses tabs and is updated regularly. When a site calls for I.E. only, I use Avant.

Podcasts. I really, really do love podcasts. My favorites:
The Bitterest Pill, Verge of the Fringe, RetroCrush, and, of course, This Week In Tech.
(Hey, some of these guys use “adult” language from time to time, so, be warned.)

Advice from the older members of our church. Seriously. Go hang out with a few older people from time to time, and just be quiet and LISTEN to them. They know tons and tons and tons of stuff. Not EVERYTHING that matters happened after 1995.

OpenOffice software. It does almost everything Microsoft Office does, and it is free.

Hugs.

I am a lame, lame old man. God, I love my kids. I never knew that I could LOVE anyone as much as I love my kids. Number one reason I want to get out of debt? I want to just HAND my kids a hunk of cash when they get out of school and say, “Go…go and dream your dreams.”

Crest Pro-Health Mouthwash from my gym. There are these little sample bottles of the stuff, and I pick one up every week or so. I leave it in my car, and I have great, fresh breath everywhere I go. This is the definitive Mouthwash for me. NCN APPROVED!

Verizon’s In-Calling. Okay, not technically “free” because I pay for the service, but my wife uses a TON of minutes, well over 1000 a month, and she can talk to our entire family for “free”.

Email. Really, what did we all do before EMAIL?

Church Carnivals, Pot-Lucks, Homecomings, Etc. We have a great church, filled with grace, and we have a blast just hanging out.

Haircuts. My wife’s best friend is a beautician and she cuts our hair FOR FREE! So cool. Now, I am no “mooch”, so I always bring her a huge stack of grocery coupons that I have cut from the Sunday papers. She buys stuff that we don’t use, so it is win, win all the way around.

Radio. Come-ON! How long would that trip be without radio. (Although, I do miss my XM!)

Your momma jokes. Seriously, I have wasted more hours of my life than I can count telling and listening to your momma jokes. My favorite? Your mom is so religious, her car has stained-glass windows. Second favorite? Your mom is so fat, she puts butter on her aspirin.

The library. I love the smell of the library, the feel of the library, the “sound” of the library. I have been reading since I was 3, and I always have at least 5 books lying around the house, partially read. I read everyday, and have for over 25 years.

Fat grandmothers. Their arms make great pillows. I miss mine. Everyday.

Salvation. Proving that something can be free without being cheap. He died that I might live. His life for mine. The best deal going…Period.

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Sleepy Sleepy Go Night Night

Have your recovered from “Turkey-Fest 2005″? Wow, I ate a ton of turkey. I am pretty sure that I now have sharp talons and tail feathers.

Debt re-payment is on pause for a day or two, as we assess the damage from Friday Christmas Shopping. We did really well, purchasing just the items we wanted to get for the kids, and we did not spend too much money. We DID not use our credit cards, for the first time in our marriage. Wow, what a concept! We used OUR money to buy what we wanted. Seriously, every year at this time we would get all worked up, and rack up tons of credit card debt. This year? If we don’t have it to spend, we don’t spend it. Cool beans…

By the way, there were two “comments” left here at No Credit Needed that I just HAVE to say something about. I left one of them, but I had to delete the other, because it was just TOO stupid. 1st, someone asked about how I felt about debt CONsolidation companies. I hate them. They take away personal responsibility, they allow laziness, and they end up costing their clients money. Plus, in some circumstances, they can hurt your credit score. If you want to get out of debt, you can do everything that I consolidation company can do, and you can do it better, faster, and CHEAPER. 2nd, some dude left a link request to a home-equity-mortgage site. Ummm…NO! I HATE home equity loans. I think that it is FOOLISH borrow against your HOME. Putting your primary residence up as collateral to buy a car, refinish a floor, or to “pay-off” other debts is just dumb. WHY? It’s your HOUSE! It should be a refuge. The home-equity loan should be a loan of “last resort”, not the first option because of the supposed tax advantages. STOP looking for ways to move your debt around, and get to paying it off and saving money so that you can PAY for things!

I hope you all had a great Thanksgiving, and I hope you are looking forward to a blessed, stress-free Merry Christmas. (Sorry, around here we don’t say “Happy Holidays” … )

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Carnival Of Debt Reduction

Hey, Welcome to the Carnival of Debt Reduction…
Check out these submissions:
Boston Gal’s Open Wallet: Focused On Getting Out Of Debt
Mighty Bargain Hunter: Double The Minimum
Free Money Finance: Nine Ways To Pay Off Debt
Frugal For Life: What Is Powdered Milk?
No Credit Needed: Tough Decisions

Check out these articles I rounded up:
Consumerism Commentary: Credit Reports Information
BluePrint For Financial Prosperity: Check Before canceling Old Cards
Everybody Loves Your Money: Money Nut (URL Broken)
Get Debt Free: Tracking My Money
How To Be Poor: Family Lending Issues (URL Broken)
My Money Blog: Giving In To Credit Cards
Personal Finance For The New Age: Debt Consolidation

Thanks for checking out the carnival…Things have been a little sloooow lately in Blog-land, due to the holidays and people being away from their computers.

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OCD

I will be HOSTING the Carnival of Debt Reduction next week. Please send your submissions to ncnblog at gmail.com

Well, I am nuts. I sit around, and think about how tight our budget already is, and then I think, what can I do to get just a little more wiggle room. So, I ebayed some baby clothes and some old electronics, and pushed around some numbers, and came up with 590 more dollars for debt re-payment. My wife will get paid Tuesday for November, so I set the bill-pay to go out Wednesday. This leaves us with an even TWO THOUSAND dollars left to pay. Just think, from April until now, that is 9510.22 GONE. In that same time, our take-home pay was about 28,000 dollars. So, we have paid over 82 Percent of our Debt, and it has taken roughly one-third of our take-home pay to do it. Some would call it sacrifice. Others would call it insanity. I just call it FREEEEEEEEEEE-DOMMMM!!!!

Check out the chart on the right, to see just how much debt we have gotten rid of. Also, check out this weeks carnivals. I “cleaned” up my blog-roll, and removed sites that no longer seem to be publishing. If I “cut” your link, and you want back in, just hit me up with an email or comment. No problem.

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