It’s hard to believe. I have been completely debt-free for two years!

In April of 2005 I created No Credit Needed.

My purpose? To track my debt reduction and share my story with the world.

In less than 10 months, I paid off more than $11,500, and on February 6, 2006, I was able celebrate my ‘freedom’ from debt.

Click here to read the post I wrote, 2 years ago, about becoming debt-free.

I cannot express how important this site has become to me. I am thankful for the (ever increasing) number of readers, visitors, and subscribers. You motivate me. You challenge me. You push me to research, defend, and consider my positions and my ideas.

Along the way, numerous other bloggers have helped me, linked to me, informed me, encouraged me, and inspired me. Many of them are listed in my blogroll - and I dare not attempt to single any of them out by name, for fear that I’ll fail to include all of those who have been so good to me and the site.

I would like to thank all of my fellow bloggers, who have taken the time to link to my site. By referencing my site, you have helped grow my traffic, you have connected me with new readers, and you have helped to build my online reputation. I will be forever grateful.

If you are new to my site - I want thank you for stopping by - and I encourage you to stick around.

Here are five of my favorite posts from the past 5 years -

(Almost) Everything I Know About Debt Reduction

What I Like About Being Debt-Free

How I Plan To Stay Out Of Debt

Welcome Clark Howard Fans And WSB TV Viewers

$10 A Day Equals 3/4 Of A Million Dollars