Thank You For A Great November

I want to thank my readers for visiting No Credit Needed during the month of November. Back when I started this site – way back in 2005 – I had no idea that I would connect with (and be inspired by) so many folks.  I’ve said it before, but it needs to be said again:  You rock! I also want to thank my fellow personal finance bloggers, many of whom send readers from their sites to mine.  Linking to another person’s work is a generous act, and I’m sincerely grateful each time someone links to mine.  You rock, too! Here’s a list of the folks who sent the most traffic my way.  I encourage my readers to click the links…

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Budget, Savings

How To Save Money For A Mid-Range Goal

I am not a fan of borrowing money, so it’s important that I plan for and save for mid-range goals.  I would define a mid-range goal as any major purchase or expense that I might have to make in the next 2 to 5 years. Right now, we’re focusing on saving enough money to buy a newer automobile for me, some new furniture for our youngest child, and a sprinkler system for our lawn. Obviously, some goals are more important than others.  An automobile is more necessary than a sprinkler system.  We try to create a list of reasonable goals, incorporate that list into our monthly budget, and save accordingly. We only began to save for mid-range goals after we…

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Home Maintenance, Saving Money

How I Save Money On Electricity

Over the past few months, I’ve been working hard to save money on our monthly power bill.  So far, here’s what I’ve done – I replaced most of the incandescent light bulbs in our house with compact fluorescent light bulbs.  I found a big box of compact fluorescent bulbs on sale at our local hardware store and quickly purchased them.  According to the Energy Star website, compact fluorescent bulbs use 75% less energy than incandescent bulbs.  They also last longer.  I even found some that fit into our recessed lighting, with the curlicue bulb housed inside a standard looking enclosure.  Pretty cool. I had a professional air conditioner installer inspect and clean our HVAC system.  I had an additional return…

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