Making Plans For An Awesome 2012

2011 was an amazing year for me and my family.  I am excited about 2012 – and I thought I would share a few of the plans I have for the coming year. Writing – In 2011, time available for writing was extremely limited.  Thankfully, my schedule has settled a bit, and my passion for writing appears to have returned.  I plan to write (a minimum of) two articles per day, one here at No Credit Needed and another over at No Calories Needed.  I also plan to announce the launch of a new site – one focusing on the spiritual aspect of my life. I hope you will enjoy what I’ll be producing, because my goal will be to…

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Starting Over With Debt Reduction

As we zoom towards the new year, I thought it might be beneficial to write a few posts about “starting over” – and finding renewed enthusiasm for both debt reduction and saving money. It’s easy to lose our initial zeal for debt reduction.  Making extra payments, and the more extra payments, and then more extra payments, can become tedious.  Throw in a couple of new charges on the old credit card – or a month or two of wasteful spending – and it can get down right difficult to get back-on-track. Be honest with yourself and acknowledge that there is nothing that can be done to erase past mistakes and missteps.  Then, acknowledge that there is much that can be…

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