Monthly Archives: April, 2008
Debt Reduction Guide: Moving Beyond The Basics
No Credit Needed Debt Reduction Guide Section Two: Moving Beyond The Basics Reduce Monthly Interest Charges: Send minimum payments and extra payments as early in the payment cycle as you possibly can. This reduces your average daily balance which reduces the amount of interest charged. Transfer Balances Carefully: Consider transferring debt from one creditor to [...]
Debt Reduction Guide: Getting Started
No Credit Needed Debt Reduction Guide Section One: Getting Started Tools: pen / paper / calculator / most recent bank statements / loan documents / credit card statements Calculate Total Starting Balance: List all of your debts – Create columns to list creditors, balances, due dates, minimum payments, and interest rates. Add up all balances [...]
How My Fellow Money Blog Network Members Have Helped Save Me Money
As many of you know, No Credit Needed is a member of the Money Blog Network. I’m consistently impressed by my fellow members – and the content of their sites. I thought it would be cool to highlight a few of their posts, and how those posts have helped me save money and kept me [...]
The $100-A-Day-Rule Prevents Impulse Buying
I like stuff – gadgets, gizmos, and thingamajigs. I also like saving money. So, I’ve created the $100-A-Day-Rule. For every $100 that I want to spend on the purchase of a new product, I must wait one day before I make the purchase. This creates a self-imposed ‘cooling-off’ period. If a new gadget costs $100, [...]
