Debt Reduction, Tips

5 Simple Debt Reduction Tips

I like to write about an array of personal finance topics, but my true passion is debt reduction. Tip 1 – Send in credit card payments as soon as is possible.  This reduces your average daily balance and total interest charges. Tip 2 – Be both analytical and emotional. Debt reduction requires three things – money, a solid plan, and…

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Budget

The Revelatory Nature Of The Common Sense Budget

Several years ago, long before No Credit Needed, I actually gave budgeting a shot.  I can’t, for the life of me, remember the name of the budgeting tool that I tried to use, but I do remember that it was very, very complicated.  After a couple of months trying to make the system work – I just gave up. It…

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Home Maintenance

Air Conditioner Spring Cleaning

Our new house has two air conditioning units, one for upstairs and one for downstairs.  One of the things that we knew the house needed, when we bought it, was an additional return for the downstairs unit.  (Technically, we have an HVAC, which provides air conditioning and air heating, but we just call it the air conditioner.) While he was…

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