Comments on: No Credit Needed Debt Reduction Guide Free eBook Download http://www.ncnblog.com/2008/05/13/no-credit-needed-debt-reduction-guide-free-ebook/ Debt Reduction Rocks - We Are Living Debt Free! Sun, 12 Oct 2008 19:59:18 +0000 http://wordpress.org/?v=2.6 By: Free EbookS Download http://www.ncnblog.com/2008/05/13/no-credit-needed-debt-reduction-guide-free-ebook/#comment-120579 Free EbookS Download Tue, 15 Jul 2008 19:13:41 +0000 http://www.ncnblog.com/?p=1218#comment-120579 Owww, this is good and nice ebook , i love this book, thank you Jamber Owww, this is good and nice ebook , i love this book, thank you

Jamber

]]> By: gunasekara http://www.ncnblog.com/2008/05/13/no-credit-needed-debt-reduction-guide-free-ebook/#comment-118375 gunasekara Tue, 01 Jul 2008 11:15:49 +0000 http://www.ncnblog.com/?p=1218#comment-118375 can you please a make hotel booking can you please a make hotel booking

]]> By: gunasekara http://www.ncnblog.com/2008/05/13/no-credit-needed-debt-reduction-guide-free-ebook/#comment-118374 gunasekara Tue, 01 Jul 2008 11:08:02 +0000 http://www.ncnblog.com/?p=1218#comment-118374 can you please make a hotel booking can you please make a hotel booking

]]> By: In Deep http://www.ncnblog.com/2008/05/13/no-credit-needed-debt-reduction-guide-free-ebook/#comment-116281 In Deep Thu, 19 Jun 2008 20:34:42 +0000 http://www.ncnblog.com/?p=1218#comment-116281 Hi There: One little tip that I use that may help some folks is called "ghost money". In order not to touch my savings account due to an overdraft, I keep extra money in my checking account that "doesn't exist" on my balance sheets. What I did, is I took $10 from each of my paychecks and deducted it under what I called " overdraft protection fund" on my balance sheet. The money is technically still in my account, I just have opted to subtract it from my balance so I don't think it is there. It has saved my husband and I on several occaisions and it keeps us from having to tap into the emergency fund in case one of us spends without talking to the other. We have over $400 extra in our checking account as a cushion and maybe one day we will "redeem" that extra money for a trip or something. Just think, 26 paychecks in a year (if you get paid bi-weekly) times $10 is $260 extra! I hope my explanation made sense! Good luck to everyone! Hi There:

One little tip that I use that may help some folks is called “ghost money”. In order not to touch my savings account due to an overdraft, I keep extra money in my checking account that “doesn’t exist” on my balance sheets. What I did, is I took $10 from each of my paychecks and deducted it under what I called ” overdraft protection fund” on my balance sheet. The money is technically still in my account, I just have opted to subtract it from my balance so I don’t think it is there. It has saved my husband and I on several occaisions and it keeps us from having to tap into the emergency fund in case one of us spends without talking to the other. We have over $400 extra in our checking account as a cushion and maybe one day we will “redeem” that extra money for a trip or something. Just think, 26 paychecks in a year (if you get paid bi-weekly) times $10 is $260 extra!

I hope my explanation made sense! Good luck to everyone!

]]> By: Big Fan http://www.ncnblog.com/2008/05/13/no-credit-needed-debt-reduction-guide-free-ebook/#comment-108702 Big Fan Sat, 17 May 2008 04:41:34 +0000 http://www.ncnblog.com/?p=1218#comment-108702 Thank you so much NCN, your podcast has changed out life. Can't thank you enough. We are on the road to recovery, but we will get there. Highly recommend your ebook and podcast. Many thanks Big Fan in Australia Thank you so much NCN, your podcast has changed out life. Can’t thank you enough. We are on the road to recovery, but we will get there. Highly recommend your ebook and podcast.

Many thanks

Big Fan in Australia

]]> By: Momma @ Tales From The Road Less Traveled http://www.ncnblog.com/2008/05/13/no-credit-needed-debt-reduction-guide-free-ebook/#comment-107892 Momma @ Tales From The Road Less Traveled Wed, 14 May 2008 19:41:35 +0000 http://www.ncnblog.com/?p=1218#comment-107892 This is a great primer! Thanks for sharing it. This is a great primer! Thanks for sharing it.

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