When my wife and I decided to get out of debt, the first thing we did, after creating a zero-based budget, was to fund a $1000 emergency fund. We then put our credit cards in the back of our wallets – and began the real process of paying down our debt. Open a savings account. If you don’t already have…
Month: August 2012
Mortgage Refinance Is Almost Here
We have been working hard to pay off our 15 year fixed-rate mortgage. Recently, mortgage rates have dropped to all-time lows. Our current loan is already at a low rate, but my wife and I feel that now is the time to refinance. I did some research and was amazed by some of the rates that I found. I contacted…
Printable Coupons For August 2012
For several years I have been using a printable grocery price book to track the prices of groceries. Coupling the price book with coupons – especially free printable coupons – I manage to save quite a bit of money on groceries each month. Now, No Credit Needed is able to offer free, printable coupons, right here on the site! Pretty…