Monthly Archives: June, 2009
Rebuilding Cash Reserves
I have made a (temporary) change to the amount I contribute to my 403(b) retirement account. After making a few major purchases, it’s time to rebuild our cash reserves. Our income has been down, just a bit, as compared to this time last year – and expenses have been up. We now have three kids, [...]
No Longer Focusing On Credit Cards
It’s been several days since I last posted an article here at No Credit Needed. I could easily blame my life, which has been hectic and filled with much to do, but I won’t. I could also blame writer’s block, but I don’t have it. Instead, just like every other article I’ve ever written, I’m [...]
The Best Explanation I Have Heard For How The Credit Crisis Happened
I love talk radio. I love podcasts. One of my favorite radio programs – which is also available as a podcast – is This American Life. This past Sunday’s episode, entitled The Watchmen, provides the clearest explanation of the current credit crisis, what it is, and how regulators failed to regulate it, that I have [...]
Dealing With Trial Periods
Let’s face it, we live busy lives. I’m pretty sure that most companies are aware of this. I’m also pretty sure that that’s why many companies entice customers with trial periods. Think about it. How many times have you signed up for a service because it was free for 3 months, with the real intention [...]
