Site Redesign – I have made a few changes to the look and feel of No Credit Needed. I hope these changes improve the sites usability. If you subscribe to No Credit Needed via RSS or email, you can click here to view the new look of the site. From my other sites – No. Calories Needed – Hit My…
Month: February 2009
How To Create A Zero Based Budget
My wife and I use a zero-based budget to manage our finances. At the beginning of each month we discuss upcoming expenses. The budget serves as our plan, allocating money for savings, spending, and debt reduction. Here’s how to create a zero based budget. 1. List This Month’s Income Paycheck A Paycheck B Other Income A Other Income B Other…
10 Places To Look When Scrounging For Change
I have a pretty funny story about scrounging for change. Two years ago, right before Christmas, I gathered up all of the lose change in our house and headed to a local grocery store. My goal was to use the store’s Conistar machine and exchange my coins for an Amazon gift certificate. I’m not sure exactly how much change I…