Monthly Archives: June 2010

Impressed With New Battery Powered Cordless Electric Leaf Blower And String Trimmer

It’s rare that I’m impressed enough by a product to actually mention it here on No Credit Needed – so you know that I must really dig my new Black & Decker Battery Powered Cordless Electric Blower Sweeper and Black & Decker Battery Powered Cordless Electric String Trimmer.  Both tools are powered by an 18-volt rechargeable battery.  I like them so much that I’ve given away my gasoline powered blower and trimmer.  I just don’t need them anymore.

Our new house sits on roughly one-half acre of land.  The house is surrounded by flower beds, trees, and a play-set for the kids.  We also have a driveway and there’s a side-walk in the front of the house.  We also have small front and back porches.

The cordless blower is surprisingly powerful, providing more than enough sweeping power to remove grass clippings, leaves, and other debris from the driveway, sidewalk, and both porches.  It’s lightweight.  My son, who is five, loves to use it after I have mowed the grass.  I’ll never own another gas powered blower again.

The cordless trimmer is also powerful, with enough cutting power to trim around the house, the kids’ play-set, the mailbox, and the few trees that are in our yard.  We have centipede grass, so it’s nice to use the trimmer’s edging feature, to create nice, straight edges down the sides of the driveway and the sidewalk.  Seriously.  I’ve spent more time cranking my old gas powered trimmer than it takes to trim my entire yard with the cordless trimmer.

Both tools are much quieter than their gas powered counter-parts.  Also, it’s nice to be able to do yard work – and not smell like gasoline and oil.  In fact, each day when I get home, I take the blower down from the shelf, pop in a freshly-charged battery, and blow off the driveway, sidewalk, and both porches.  In 10 minutes, things are nice and neat, the battery goes back in the charger, the blower goes back on the shelf, and I go in the house.

For a small-to-medium size lawn, these tools are just the trick.  The fact that the string trimmer comes with two batteries is a big bonus, providing plenty of power for our trimming needs.

In case you were wondering, this is not a paid review.  I just really dig these time-saving (and I think money-saving) tools.  If you click on the links above, you’ll go to Amazon.  If you were to purchase them from Amazon, I’d receive a commission.  All proceeds go towards keeping No Credit Needed up and running.  Rock on!

Continue Reading

Planning To Replace My Old Car

I own a 2001 Honda Accord.  It’s a great little car, and even though it’s a decade old, it still gets really great gas mileage.  The paint and the interior are both in pretty decent shape, despite the fact that the right-front panel was recently damaged and repaired.  I like the car, but with growing kids and the fact that it has nearly 200,000 miles, it’s time to think about replacing it.

It never hurts to plan ahead – even years ahead – so that’s what I’m doing.

I’ve already started to compile a list of used vehicles that I might want to purchase.  I want to buy something a little bigger than the accord, maybe a small cross-over or a mid-size SUV.  I’ll be comparing gas mileage, insurance cost, safety information, etc.

I have created a budget category labeled – car replacement – and I’ll fund it each month.  Instead of making payments to a finance company, and paying interest, I’ll be making payments to myself, and earning interest.  My plan is to save up 100% of the cost of the newer car and avoid financing.

I have a good relationship with my insurance agent.  When purchasing a newer automobile, it’s very important to know how much it will cost to insure the automobile.  I’ll take a list of four or five automobiles to him.  My agent will run the numbers and let me know how much it would cost to insure each.

The Accord is in good shape and I hope to keep it for a minimum of 3 years.  At that time, I’ll consider selling it, trading it, or keeping it.  My oldest daughter is almost 11 years old.  In just over 5 years, she’ll be ready to get her license.  It would be great if the Accord makes it that long, even if she just uses it for a little while, as she learns to drive.

Obviously, if I want the Accord to last 3 (or more) years, I need to continue to maintain it.  I’ve recently had new tires put on it.  I change the oil and have it serviced on a regular schedule.  Fingers-crossed, when I’m ready for the newer car in a few years, the Accord will still be in good shape, ready to be sold, traded – or kept.

Living the debt-free life, it’s imperative that I plan – plan – and then plan some more.  There’s always something to think about, something to prepare for, something that will need replacing.  Saving enough cash to pay for the things we want keeps us out of debt – and in the long-run – save us money!

Continue Reading