Monthly Archives: April 2006

Savings At 7000… Oh Yeah… I’ve Been Here 1 Year

So, in all the hustle and bustle of maintaining the 3 sites, working, parenting my 2 kids, enjoying my marriage, and leading FPU at our church, I MISSED my 1 year anniversary here at No Credit Needed! My first post was April 6, 2005, and if you want to check out my beginning debt balances, you can click here. 11K Plus. Now, about a year later, we have no debt, 7K in savings, and 2K in our checking. So, basically, that’s a 20K Plus change in our net worth. Yay!

I want to thank all of you for visiting, reading the blog, joining the NCN Network, listening to the podcasting, typing emails, and leaving comments. You guys rock! I hope you will check out my blogroll, and visit all of the blogs that I like. (If you’d like to find your way onto my blogroll, just hit me up with a comment or an email, and I’ll gladly check out your site… No promises, but if it’s a decent site, I’ll be glad to add it.)

As for my current goals: 20K in savings by 10-10-2006 and then it is on to some serious retirement savings.

(I sent in 200 dollars this week to make a grand total of 7K in savings.)

Last thing, I’ve been able to give out a few ING Direct referrals this week, and I’d love to give out a few more! If you deposit 250 bucks or more, you get 25 bucks and I get 10. Hit me up with an email at and I’ll be glad to send you a referral.

Oh yeah, check out the NCN Network page for our April Updates. You’ll be amazed!

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10 Free Computer Products I Use Everyday

1. OpenOffice from OpenOffice.Org. Free word processor, speadsheet, etc. I like it much better than Microsoft Office.

2. Firefox. The best browser, by far.

3. AVG Anti-Virus. Free, easy to use.

4. Thunderbird Email Application. See Firefox.

5. Yahoo Finance / Google Finance.


7. Audacity. An awesome audio recording program. I use it for my podcast!

8. Itunes.

9. ABC. Another BitTorrent Client.

10. Blogrolling / Feedburner. I use blogroll to manage my links, and feedburner to manage my feeds.

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10 Money Savers (That You Will Actually DO!)

What can I say… I’m loving the lists:

Here are 10 Money Savers (That You Will Actually DO!)

The problem with a lot of frugal ideas is that most people will not actually take the time to implement them. Why? Because they take effort or time or some combination of the two. The following are simple, easy, almost effortless, and they save you money. Ready? Good!

1. When you eat out, ask for a glass of water as opposed to a glass of soda. Simple, easy, saves you 1.50 per meal. Plus, it’s healthy!

2. Don’t buy books. Go to the Library. It’s free.

3. Stop drinking coffee from a coffee shop. Make your own. (When did drinking coffee become cool? HOW did drinking coffee become cool? Drinking coffee is for old people in house-coats.)

4. Use the cheapest gas you can find. Your car will run fine. In fact, most cars are designed for the lower octane gas, not the higher. (Refer to your owner’s manual if you have questions. Yeah right, your going to go dig up your owner’s manual… Just use the cheap stuff.)

5. Stand up. Turn around. See those lights that are on. Turn them off. Now, walk around your house, turning off all of the lights that are not necessary. Repeat 5 times a day.

6. Wash your clothing in cold water. Most clothes will be just fine. (Read the label..blah, blah.)

7. Going to a restaurant with your spouse? Good! You need a little “together-time.” How about sharing an entree and/or dessert? It’s cheap…and romantic! (This one comes via my wife!)

8. Hot? Drink a cool glass of water. Cold? Put on a sweater. You don’t always have to bump the thermostat back and forth.

9. Stop worrying about what your neighbors think. (They’re broke TOO!)

10. Try to go a (week, month, day, year) without buying (food, clothes, etc.). In other words, create some silly “goal” for yourself, and try to stick to it. It will create a challenge, and we all like challenges. (Remember “I double-dog dare you” from elementary school? Same thing.)

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