Automobiles, Savings

Saving For A Car

I drive a 2001 Honda Accord.  It’s a great little car.  Right now, it has a little over 175,000 miles on it.  Sooner or later (let’s hope, later) I’m going to need to buy a newer automobile.  Here’s my process for saving for a car – or any other major purchase. 1.  Using the super-handy You Need a Budget software,…

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Debt Reduction

Debt Reduction Basics

I want to thank those of you who have been reading No Credit Needed for years – and welcome new readers.  No Credit Needed is the story of our journey from “being in debt” to “being financially free”.  Over the past six years, we’ve accomplished a great deal – but we still have so much more to do! At its…

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Family, Slowing Down

Two Rocking Chairs

There are these two white rocking chairs on our front porch.  The one on the right is mine, the one on the left is my wife’s.  Like most things in marriage, I’m not sure how we arrived at this particular sitting arrangement, but arrive at it, we did. Most evenings, right before the sun sets, we’ll sit on the front…

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