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	<title>No Credit Needed &#187; 2007 Review</title>
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	<link>http://www.ncnblog.com</link>
	<description>Debt Reduction Rocks - We Are Living Debt Free!</description>
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		<title>2007 &#8211; No Credit Needed Year-End Review (November)</title>
		<link>http://www.ncnblog.com/2008/04/04/2007-no-credit-needed-year-end-review-november/</link>
		<comments>http://www.ncnblog.com/2008/04/04/2007-no-credit-needed-year-end-review-november/#comments</comments>
		<pubDate>Fri, 04 Apr 2008 23:20:09 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2008/04/04/2007-no-credit-needed-year-end-review-november/</guid>
		<description><![CDATA[2007 was an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/04/04/2007-no-credit-needed-year-end-review-november/">2007 &#8211; No Credit Needed Year-End Review (November)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F04%2F04%2F2007-no-credit-needed-year-end-review-november%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F04%2F04%2F2007-no-credit-needed-year-end-review-november%2F" height="61" width="51" /></a></div><p>2007 was an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from <a href="http://www.ncnblog.com/2007/11/">November of 2007</a>.</p>
<p>November 6 &#8211; <a href="http://www.ncnblog.com/2007/11/06/my-dad-rocks-and-he-inspired-this-post-or-taking-the-next-step/">My Dad Rocks And He Inspired This Post</a> &#8211; My dad is my best friend and he&#8217;s also my biggest fan.  He rocks and he inspired this &#8216;look back&#8217;.</p>
<p>November 7 &#8211; <a href="http://www.ncnblog.com/2007/11/07/free-printable-grocery-store-price-book-download-print-save-money-on-groceries/">Free Printable Grocery Store Price Book</a> &#8211; This free, printable resource is a reader favorite.  I&#8217;ve been using a grocery price book for the past few years, and it really helps our family save money.</p>
<p>November 9 &#8211; <a href="http://www.ncnblog.com/2007/11/09/what-if-you-make-maximum-retirement-contributions-for-20-30-40-years-roth-ira-traditional-ira-401k-403b/">What If You Make Maximum Retirement Contributions For The Next 20, 30, or 40 Years?</a> -  According to my blog stats, this is one of the top 10 most popular posts I&#8217;ve ever written.</p>
<p>November 16 &#8211; <a href="http://www.ncnblog.com/2007/11/16/a-bit-about-taxes-understanding-effective-tax-rates-for-2007-planning-for-2008/">Understanding Effective Tax Rates</a></p>
<p>November 20 &#8211; <a href="http://www.ncnblog.com/2007/11/20/exactly-how-to-pay-off-debt-mortgages-or-credit-cards-early/">Exactly How I Pay Off Debt Early</a> &#8211; <strong>If you are ready to get out of debt, this post is a &#8216;must read&#8217;.  I encourage you to bookmark this post.</strong></p>
<p>It&#8217;s April, and I&#8217;ve almost finished highlighting my <a href="http://www.ncnblog.com/category/2007-review/">favorite posts from 2007</a>!</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed. (It’s free!)</p>
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<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/04/04/2007-no-credit-needed-year-end-review-november/">2007 &#8211; No Credit Needed Year-End Review (November)</a></p>
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		<item>
		<title>2007 &#8211; No Credit Needed Year-End Review (October)</title>
		<link>http://www.ncnblog.com/2008/02/23/2007-no-credit-needed-year-end-review-october/</link>
		<comments>http://www.ncnblog.com/2008/02/23/2007-no-credit-needed-year-end-review-october/#comments</comments>
		<pubDate>Sat, 23 Feb 2008 18:45:09 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>
		<category><![CDATA[Automobiles]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2008/02/23/2007-no-credit-needed-year-end-review-october/</guid>
		<description><![CDATA[2007 was an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/02/23/2007-no-credit-needed-year-end-review-october/">2007 &#8211; No Credit Needed Year-End Review (October)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F02%2F23%2F2007-no-credit-needed-year-end-review-october%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F02%2F23%2F2007-no-credit-needed-year-end-review-october%2F" height="61" width="51" /></a></div><p>2007 was an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from <a href="http://www.ncnblog.com/2007/10/">October of 2007</a>.</p>
<p>October 3 &#8211; <a href="http://www.ncnblog.com/2007/10/03/day-24-of-33-days-and-33-ways-to-save-money-and-reduce-debt-roth-ira/">Day 24 Of 33 Days And 33 Ways To Save Money And Reduce Debt: Roth IRA</a> &#8211; Find out what happens if you invest $4,000 for 25 years at 8%?</p>
<p>October 9 &#8211; <a href="http://www.ncnblog.com/2007/10/09/saving-for-college-what-is-an-esa-coverdell-education-savings-account-education/">What Is An ESA? &#8211; Coverdell Education Savings Account</a></p>
<p>October 9 &#8211; <a href="http://www.ncnblog.com/2007/10/09/reader-poll-are-you-debt-free-share-your-story/">Reader Poll &#8211; Are You Debt Free?  Share Your Story</a> &#8211; This poll is still open!  Over 600 people have voted and several have shared their stories.  Go vote.</p>
<p>October 15 &#8211; <a href="http://www.ncnblog.com/2007/10/15/i-lost-my-wallet-how-to-file-fraud-alert-with-credit-bureaus-experian-equifax-transunion/">How To File A Fraud Alert With Credit Bureaus</a> &#8211; I lost my wallet and I had file a fraud alert.</p>
<p>October 18 &#8211; <a href="http://www.ncnblog.com/2007/10/18/are-you-hiding-debt-from-your-spouse-yikes-suze-orman-on-the-oprah-show/">Are You Hiding Debt From Your Spouse?</a>  This post was inspired by a segment featuring Suze Orman on the Oprah Show.</p>
<p>October 19 &#8211; <strong><a href="http://www.ncnblog.com/2007/10/19/how-i-live-without-using-credit-cards-my-simple-system-for-living-on-a-budget/">How I Live Without Using Credit Cards &#8211; My Simple System For Living On A Budget</a> &#8211; This is one of the most popular posts here at No Credit Needed.</strong></p>
<p>October 22 &#8211; <a href="http://www.ncnblog.com/2007/10/22/i-just-purchased-a-minivan-heres-how-i-purchased-our-used-but-new-to-us-vehicle-without-borrowing-any-money/">I Just Purchased A Mini-Van &#8211; How I Purchased A Used Vehicle Without Borrowing Money</a></p>
<p>Throughout February, I’ll continue to highlight my <a href="http://www.ncnblog.com/category/2007-review/">favorite posts from 2007</a>.If you haven’t done so, please consider subscribing to No Credit Needed. (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/02/23/2007-no-credit-needed-year-end-review-october/">2007 &#8211; No Credit Needed Year-End Review (October)</a></p>
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		<title>2007 &#8211; No Credit Needed Year-End Review (September)</title>
		<link>http://www.ncnblog.com/2008/02/02/2007-no-credit-needed-year-end-review-september/</link>
		<comments>http://www.ncnblog.com/2008/02/02/2007-no-credit-needed-year-end-review-september/#comments</comments>
		<pubDate>Sat, 02 Feb 2008 23:15:48 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2008/02/02/2007-no-credit-needed-year-end-review-september/</guid>
		<description><![CDATA[2007 was an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/02/02/2007-no-credit-needed-year-end-review-september/">2007 &#8211; No Credit Needed Year-End Review (September)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F02%2F02%2F2007-no-credit-needed-year-end-review-september%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F02%2F02%2F2007-no-credit-needed-year-end-review-september%2F" height="61" width="51" /></a></div><p>2007 was an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from <a href="http://www.ncnblog.com/2007/09/">September of 2007</a></p>
<p>September 6 &#8211; <a href="http://www.ncnblog.com/2007/09/06/day-9-of-33-days-and-33-ways-to-save-money-and-reduce-debt-make-time-to-manage-your-finances/">Make Time To Manage Your Finances</a></p>
<p>September 10 &#8211; <a href="http://www.ncnblog.com/2007/09/10/no-credit-needed-and-get-rich-slowly-have-joined-the-money-blog-network/">No Credit Needed And Get Rich Slowly Join The Money Blog Network</a></p>
<p>September 12 &#8211; <a href="http://www.ncnblog.com/2007/09/12/how-to-create-a-budget-if-you-have-irregular-income/">Creating A Budget When You Have Irregular Income</a></p>
<p>September 13 &#8211; <a href="http://www.ncnblog.com/2007/09/13/day-15-of-33-days-and-33-ways-to-save-money-and-reduce-debt-understand-the-big-picture/">Understand The Big Picture</a></p>
<p>September 18 &#8211; <a href="http://www.ncnblog.com/2007/09/18/day-18-of-33-days-and-33-ways-to-save-money-and-reduce-debt-remember-due-dates/">Remember Due Dates</a></p>
<p>September 24 &#8211; <a href="http://www.ncnblog.com/2007/09/24/day-23-of-33-days-and-33-ways-to-save-money-and-reduce-debt-illustrated-debt-snowball/">Illustrated Debt Snowball</a>  (<strong>This is one of the most popular posts here at No Credit Needed</strong>.)</p>
<p>Throughout February, I’ll continue to highlight my favorite posts from 2007.</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed. (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/02/02/2007-no-credit-needed-year-end-review-september/">2007 &#8211; No Credit Needed Year-End Review (September)</a></p>
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		<title>2007 &#8211; No Credit Needed Year-End Review (August)</title>
		<link>http://www.ncnblog.com/2008/01/17/2007-no-credit-needed-year-end-review-august/</link>
		<comments>http://www.ncnblog.com/2008/01/17/2007-no-credit-needed-year-end-review-august/#comments</comments>
		<pubDate>Thu, 17 Jan 2008 14:21:25 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2008/01/17/2007-no-credit-needed-year-end-review-august/</guid>
		<description><![CDATA[2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/01/17/2007-no-credit-needed-year-end-review-august/">2007 &#8211; No Credit Needed Year-End Review (August)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F01%2F17%2F2007-no-credit-needed-year-end-review-august%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2008%2F01%2F17%2F2007-no-credit-needed-year-end-review-august%2F" height="61" width="51" /></a></div><p>2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from August of 2007</p>
<p>August 2 &#8211; <a href="http://www.ncnblog.com/2007/08/02/am-i-really-ready-to-get-out-of-debt/">Am I Really Ready To Get Out Of Debt</a></p>
<p>August 3 &#8211; <a href="http://www.ncnblog.com/2007/08/03/store-branded-credit-cards-a-shocking-look-back/">Store-Branded Credit Cards: A Shocking Look Back</a></p>
<p>August 7 &#8211; <a href="http://www.ncnblog.com/2007/08/07/is-it-really-possible-to-talk-with-your-spouse-about-finances-without-getting-into-an-argument/">Is It Really Possible To Talk With Your Spouse About Finances Without Getting Into An Argument?</a></p>
<p>August 11 &#8211; <a href="http://www.ncnblog.com/2007/08/11/introducing-the-no-credit-needed-notebook/">Introducing The No Credit Needed Notebook</a></p>
<p>August 17 &#8211; <a href="http://www.ncnblog.com/2007/08/17/envelope-system-video-tutorial-step-by-step-guide-to-using-the-envelope-system-to-manage-your-cash/">Envelope System Video Tutorial</a></p>
<p>August 27 &#8211; <a href="http://www.ncnblog.com/2007/08/27/preparing-for-the-birth-of-a-new-baby/">Preparing For The Birth Of A New Baby</a></p>
<p>Throughout January, I’ll continue to highlight my favorite posts from 2007.If you haven’t done so, please consider subscribing to No Credit Needed.  (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2008/01/17/2007-no-credit-needed-year-end-review-august/">2007 &#8211; No Credit Needed Year-End Review (August)</a></p>
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		<item>
		<title>2007 &#8211; No Credit Needed Year-End Review (July)</title>
		<link>http://www.ncnblog.com/2007/12/29/2007-no-credit-needed-year-end-review-july/</link>
		<comments>http://www.ncnblog.com/2007/12/29/2007-no-credit-needed-year-end-review-july/#comments</comments>
		<pubDate>Sun, 30 Dec 2007 01:41:46 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2007/12/29/2007-no-credit-needed-year-end-review-july/</guid>
		<description><![CDATA[2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/29/2007-no-credit-needed-year-end-review-july/">2007 &#8211; No Credit Needed Year-End Review (July)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F29%2F2007-no-credit-needed-year-end-review-july%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F29%2F2007-no-credit-needed-year-end-review-july%2F" height="61" width="51" /></a></div><p>2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from July of 2007</p>
<p>July 10 &#8211; <a href="http://www.ncnblog.com/2007/07/10/answering-a-few-questions-about-no-credit-needed/">Answering A Few Questions About No Credit Needed</a> &#8211; Click here to find out a little more about No Credit Needed, me, and why I write about personal finance.</p>
<p>July 17 &#8211; <a href="http://www.ncnblog.com/2007/07/17/what-does-it-feel-like-to-pay-off-over-70k-in-19-months/">What Does It Feel Like To Pay Off Over $70K In 19 Months</a> &#8211; If you need debt reduction-inspiration, read this post!</p>
<p>July 19 &#8211; <a href="http://www.ncnblog.com/2007/07/19/some-thoughts-about-saving-money/">Some Thoughts About Saving Money</a> &#8211; When I wrote this post, I really thought it would spark some conversation.  It never really caught on, so I thought I&#8217;d highlight it and see what the response might be.</p>
<p>July 23 &#8211; <a href="http://www.ncnblog.com/2007/07/23/speed-up-you-debt-reduction-and-increase-your-savings/">Speed Up Your Debt Reduction And Increase Your Savings</a> &#8211; 9 quick tips.</p>
<p>July 29 &#8211; 1<a href="http://www.ncnblog.com/2007/07/29/10-inexpensive-toys-my-kids-love/">0 Inexpensive Toys My Kids Really Love</a></p>
<p>Throughout December, I’ll continue to highlight my favorite posts from 2007.</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed.  (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/29/2007-no-credit-needed-year-end-review-july/">2007 &#8211; No Credit Needed Year-End Review (July)</a></p>
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		<item>
		<title>2007 &#8211; No Credit Needed Year-End Review (June)</title>
		<link>http://www.ncnblog.com/2007/12/23/2007-no-credit-needed-year-end-review-june/</link>
		<comments>http://www.ncnblog.com/2007/12/23/2007-no-credit-needed-year-end-review-june/#comments</comments>
		<pubDate>Mon, 24 Dec 2007 02:13:04 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2007/12/23/2007-no-credit-needed-year-end-review-june/</guid>
		<description><![CDATA[2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/23/2007-no-credit-needed-year-end-review-june/">2007 &#8211; No Credit Needed Year-End Review (June)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F23%2F2007-no-credit-needed-year-end-review-june%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F23%2F2007-no-credit-needed-year-end-review-june%2F" height="61" width="51" /></a></div><p>2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from June of 2007</p>
<p>June 2 &#8211; <a href="http://www.ncnblog.com/2007/06/02/how-do-i-decide-which-debt-to-pay-off-first-5-options/">How Do I Decide Which Debt To Pay Off First? 5 Options</a></p>
<p>June 5 &#8211; <a href="http://www.ncnblog.com/2007/06/05/drip-drip-drip-your-way-out-of-debt/">Drip, Drip, Drip Your Way Out Of Debt</a></p>
<p>June 21 &#8211; <a href="http://www.ncnblog.com/2007/06/21/403b-contribution-limits-roth-ira-contribution-limits-for-2008/">403b Contribution Limits / Roth IRA Contribution Limits For 2008</a></p>
<p>June 25 &#8211; <a href="http://www.ncnblog.com/2007/06/25/how-much-money-have-i-made-using-upromise/">How Much Money Have I Made Using Upromise?</a></p>
<p>June 30 &#8211; <a href="http://www.ncnblog.com/2007/06/30/protecting-my-family-my-health-my-automobiles-and-my-stuff/">Protecting My Family, My Health, My Automobiles, And My Stuff</a></p>
<p><a href="http://www.ncnblog.com/2007/06/02/how-do-i-decide-which-debt-to-pay-off-first-5-options/"></a>Throughout December, I’ll continue to highlight my favorite posts from 2007.</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed.  (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/23/2007-no-credit-needed-year-end-review-june/">2007 &#8211; No Credit Needed Year-End Review (June)</a></p>
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		<item>
		<title>2007 &#8211; No Credit Needed Year-End Review (May)</title>
		<link>http://www.ncnblog.com/2007/12/18/2007-no-credit-needed-year-end-review-may/</link>
		<comments>http://www.ncnblog.com/2007/12/18/2007-no-credit-needed-year-end-review-may/#comments</comments>
		<pubDate>Tue, 18 Dec 2007 22:08:49 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2007/12/18/2007-no-credit-needed-year-end-review-may/</guid>
		<description><![CDATA[2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/18/2007-no-credit-needed-year-end-review-may/">2007 &#8211; No Credit Needed Year-End Review (May)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F18%2F2007-no-credit-needed-year-end-review-may%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F18%2F2007-no-credit-needed-year-end-review-may%2F" height="61" width="51" /></a></div><p>2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from May of 2007</p>
<p>May 1 &#8211; <a href="http://www.ncnblog.com/2007/05/01/philosophical-reasons-for-not-borrowing-money-or-using-credit-cards/">Philosophical Reasons For Not Borrowing Money (Or Using Credit Cards)</a></p>
<p>May 4 &#8211; <a href="http://www.ncnblog.com/2007/05/04/money-management-resources-tools-books-and-websites/">Money Management Resources, Tools, Books, And Websites</a></p>
<p>May 4 &#8211; <strong><a href="http://www.ncnblog.com/2007/05/04/welcome-clark-howard-fans-and-wsb-tv-viewers/">Welcome Clark Howard Fans And WSB TV Viewers</a> &#8211; Click to see my interview with the local ABC News affiliate!</strong></p>
<p>May 6 &#8211; <a href="http://www.ncnblog.com/2007/05/06/getting-out-of-debt-10-ideas-about-how-to-begin/">Getting Out Of Debt: 10 Ideas About How To Begin</a></p>
<p>May 14 &#8211; <a href="http://www.ncnblog.com/2007/05/14/how-to-sell-baby-clothes-on-ebay/">How To Sell Baby Clothes On eBay</a> &#8211; This popular post was <a href="http://consumerist.com/consumer/blogs/how-to-sell-on-ebay-260208.php">picked up by Consumerist</a>.</p>
<p>May 19 &#8211; <a href="http://www.ncnblog.com/2007/05/19/breaking-down-a-goal-into-micro-goals/">Breaking A Goal Down Into Micro-Goals</a></p>
<p>May 28 &#8211; <a href="http://www.ncnblog.com/2007/05/28/10-ideas-for-creating-a-better-budget/">10 Ideas For Creating A Better Budget</a></p>
<p>May 29 &#8211; <a href="http://www.ncnblog.com/2007/05/29/annual-expenses-when-dividing-by-12-doesnt-work/">Annual Expenses: When Dividing By 12 Doesn&#8217;t Work</a></p>
<p>May 30 &#8211; <a href="http://www.ncnblog.com/2007/05/30/the-once-a-month-check-it-technique-for-avoiding-expesive-repairs/">The &#8220;Once A Month, Check It&#8221; Technique For Avoiding Expensive Repairs And Saving Money</a></p>
<p>Throughout December, I’ll continue to highlight my favorite posts from 2007.</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed.  (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/18/2007-no-credit-needed-year-end-review-may/">2007 &#8211; No Credit Needed Year-End Review (May)</a></p>
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		<title>2007 &#8211; No Credit Needed Year-End Review (April)</title>
		<link>http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/</link>
		<comments>http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/#comments</comments>
		<pubDate>Fri, 14 Dec 2007 13:17:52 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/</guid>
		<description><![CDATA[2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/">2007 &#8211; No Credit Needed Year-End Review (April)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F14%2F2007-no-credit-needed-year-end-review-april%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F14%2F2007-no-credit-needed-year-end-review-april%2F" height="61" width="51" /></a></div><p>2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from April of 2007</p>
<p>April 18 &#8211; <a href="http://www.ncnblog.com/2007/04/18/what-i-like-about-being-debt-free/">What I Like About Being Debt-Free</a> &#8211; When I need a little extra motivation, I reread this post.</p>
<p>April 18 &#8211; <a href="http://www.ncnblog.com/2007/04/18/can-i-use-a-debit-card-to-rent-a-car/">Can I Use A Debit Card To Rent A Car?</a> &#8211; For those of you who don&#8217;t use credit cards, this post might come in handy.</p>
<p>April 29 &#8211; <a href="http://www.ncnblog.com/2007/04/29/credit-card-fees-further-motivation-for-getting-out-of-debt/">Credit Card Fees (Further Motivation For Getting Out Of Debt)</a> &#8211; I hate paying interest &#8211; and I loathe paying fees!</p>
<p>Throughout December, I’ll continue to highlight my favorite posts from 2007.</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed.  (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/">2007 &#8211; No Credit Needed Year-End Review (April)</a></p>
<div class="sexy-bookmarks sexy-bookmarks-expand sexy-bookmarks-center sexy-bookmarks-bg-wealth"><ul class="socials"><li class="sexy-twitter"><a href="http://twitter.com/home?status=2007+-+No+Credit+Needed+Year-End+Review+%28April%29+-+http://tinyurl.com/njxdww+(via+@NCN)" rel="nofollow" title="Tweet This!">Tweet This!</a></li><li class="sexy-stumbleupon"><a href="http://www.stumbleupon.com/submit?url=http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/&amp;title=2007+-+No+Credit+Needed+Year-End+Review+%28April%29" rel="nofollow" title="Stumble upon something good? Share it on StumbleUpon">Stumble upon something good? Share it on StumbleUpon</a></li><li class="sexy-delicious"><a href="http://del.icio.us/post?url=http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/&amp;title=2007+-+No+Credit+Needed+Year-End+Review+%28April%29" rel="nofollow" title="Share this on del.icio.us">Share this on del.icio.us</a></li><li class="sexy-digg"><a href="http://digg.com/submit?phase=2&amp;url=http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/&amp;title=2007+-+No+Credit+Needed+Year-End+Review+%28April%29" rel="nofollow" title="Digg this!">Digg this!</a></li><li class="sexy-tipd"><a href="http://tipd.com/submit.php?url=http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/" rel="nofollow" title="Share this on Tipd">Share this on Tipd</a></li><li class="sexy-facebook"><a href="http://www.facebook.com/share.php?u=http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/&amp;t=2007+-+No+Credit+Needed+Year-End+Review+%28April%29" rel="nofollow" title="Share this on Facebook">Share this on Facebook</a></li><li class="sexy-pfbuzz"><a href="http://pfbuzz.com/submit?url=http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/&amp;title=2007+-+No+Credit+Needed+Year-End+Review+%28April%29" rel="nofollow" title="Share this on PFBuzz">Share this on PFBuzz</a></li><li class="sexy-technorati"><a href="http://technorati.com/faves?add=http://www.ncnblog.com/2007/12/14/2007-no-credit-needed-year-end-review-april/" rel="nofollow" title="Share this on Technorati">Share this on Technorati</a></li></ul><div style="clear:both;"></div></div>]]></content:encoded>
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		<title>2007 &#8211; No Credit Needed Year-End Review (March)</title>
		<link>http://www.ncnblog.com/2007/12/13/2007-no-credit-needed-year-end-review-march/</link>
		<comments>http://www.ncnblog.com/2007/12/13/2007-no-credit-needed-year-end-review-march/#comments</comments>
		<pubDate>Thu, 13 Dec 2007 10:30:30 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2007/12/13/2007-no-credit-needed-year-end-review-march/</guid>
		<description><![CDATA[2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/13/2007-no-credit-needed-year-end-review-march/">2007 &#8211; No Credit Needed Year-End Review (March)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F13%2F2007-no-credit-needed-year-end-review-march%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F13%2F2007-no-credit-needed-year-end-review-march%2F" height="61" width="51" /></a></div><p>2007 has been an amazing year for me, NCN, and my site, No Credit Needed. I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year. If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go. If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from March of 2007</p>
<p>March 1 &#8211; <a href="http://www.ncnblog.com/2007/03/01/how-i-avoid-arguing-with-my-spouse-about-money/">How I Avoid Arguing With My Spouse About Money</a> &#8211; Stop arguing and start communicating.</p>
<p>March 4 &#8211; <a href="http://www.ncnblog.com/2007/03/04/my-personal-principles-for-prosperity/">My Personal Principles For Prosperity</a> &#8211; Here&#8217;s how I plan to stay out of debt and build wealth.</p>
<p>March 7 &#8211; <a href="http://www.ncnblog.com/2007/03/07/welcome-listeners-of-the-jean-chatzky-show/">Welcome Listeners Of The Jean Chatzky Show</a> &#8211; I was interviewed by Jean Chatzky for the Oprah Radio Channel on XM Satellite Radio.</p>
<p>March 9 &#8211; <a href="http://www.ncnblog.com/2007/03/09/almost-everything-i-know-about-debt-repayment/">(Almost) Everything I Know About Debt Reduction</a> &#8211; If you are ready to get out of debt, bookmark this post!</p>
<p>March 12 &#8211; <a href="http://www.ncnblog.com/2007/03/12/things-i-actually-did-and-do-to-save-money/">Things I Actually Did (And Do) To Save Money</a> &#8211; 20 Tips for saving money.</p>
<p>March 22 &#8211; <a href="http://www.ncnblog.com/2007/03/22/financial-inventory-worsheet-for-my-spouse/">Financial Inventory Worksheet For My Spouse</a> &#8211; What would happen to my family if I were to die or be injured?  The last thing I want my wife to have to worry about is our financial situation.</p>
<p>March 27 &#8211; <a href="http://www.ncnblog.com/2007/03/27/rebuilding-my-grocery-store-price-book/">Rebuilding My Grocery Store Price-book</a> &#8211; I like to shop for groceries.  Here&#8217;s a tool for saving money at the grocery store.</p>
<p>Throughout December, I’ll continue to highlight my favorite posts from 2007.</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed.  (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
<p>Click here to <a href="http://feeds.feedburner.com/ncnblog">subscribe via RSS</a>.</p>
<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/13/2007-no-credit-needed-year-end-review-march/">2007 &#8211; No Credit Needed Year-End Review (March)</a></p>
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		<title>2007 &#8211; No Credit Needed Year-End Review (February)</title>
		<link>http://www.ncnblog.com/2007/12/11/2007-no-credit-needed-year-end-review-february/</link>
		<comments>http://www.ncnblog.com/2007/12/11/2007-no-credit-needed-year-end-review-february/#comments</comments>
		<pubDate>Tue, 11 Dec 2007 13:35:19 +0000</pubDate>
		<dc:creator>NCN</dc:creator>
				<category><![CDATA[2007 Review]]></category>

		<guid isPermaLink="false">http://www.ncnblog.com/2007/12/11/2007-no-credit-needed-year-end-review-february/</guid>
		<description><![CDATA[2007 has been an amazing year for me, NCN, and my site, No Credit Needed.  I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year.  If you are a new reader, I hope these posts will give your a sense of who I [...]<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/11/2007-no-credit-needed-year-end-review-february/">2007 &#8211; No Credit Needed Year-End Review (February)</a></p>
]]></description>
			<content:encoded><![CDATA[<div class="tweetmeme_button" style="float: right; margin-left: 10px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F11%2F2007-no-credit-needed-year-end-review-february%2F"><img src="http://api.tweetmeme.com/imagebutton.gif?url=http%3A%2F%2Fwww.ncnblog.com%2F2007%2F12%2F11%2F2007-no-credit-needed-year-end-review-february%2F" height="61" width="51" /></a></div><p>2007 has been an amazing year for me, NCN, and my site, No Credit Needed.  I thought that it would be fun to take a month-by-month tour through my favorite posts from the last year.  If you are a new reader, I hope these posts will give your a sense of who I am, where I’ve come from, and where I’m trying to go.  If you are a long-time reader, thank you for your support.</p>
<p>Here are a few of my favorite posts from February of 2007</p>
<p>February 2 &#8211; <a href="http://www.ncnblog.com/2007/02/02/stop-feeling-guilty-about-not-using-credit-cards/">Stop Feeling Guilty About Not Using Credit Cards</a> &#8211; Being different rocks!  Give it a try.</p>
<p>February 2 &#8211; <a href="http://www.ncnblog.com/2007/02/02/make-multiple-debt-payments-every-month/">Make Multiple Debt Payments Every Month</a> &#8211; This might be the most popular post here at No Credit Needed.</p>
<p>February 4 &#8211; <a href="http://www.ncnblog.com/2007/02/04/creating-a-budget-from-irregular-income/">Creating A Budget From Irregular Income</a> &#8211; If your income fluctuates, this post is for you.</p>
<p>February 8 &#8211; <a href="http://www.ncnblog.com/2007/02/08/dumbest-debt-decisions-ever-3-of-5/">Dumbest Debt Decision</a> &#8211; I financed a new car, when I was 18 years old.  Enough said.</p>
<p>February 9 &#8211; <a href="http://www.ncnblog.com/2007/02/09/avoid-10-common-debt-reduction-mistakes/">Avoid 10 Common Debt Reduction Mistakes</a> &#8211;  This might be my favorite post.</p>
<p>February 17 &#8211; <a href="http://www.ncnblog.com/2007/02/17/welcome-ny-times-readers/">Welcome N.Y. Times Readers!</a> &#8211; My sites were mentioned, and I was quoted in the N.Y. Times!  I must say, this is pretty awesome.</p>
<p>February 22 &#8211; <a href="http://www.ncnblog.com/2007/02/22/pf-bloggers-attitudes-about-debt-and-credit-cards/">PF Bloggers: Attitudes About Debt And Credit Cards</a> &#8211; I asked several personal finance bloggers their opinions about debt and credit.</p>
<p>February 28 &#8211; <a href="http://www.ncnblog.com/2007/02/28/a-bold-move/">A Bold Move</a> &#8211; I purchased an ETF.  (I highlight this post because I cannot believe that I chose to label THIS post &#8216;A Bold Move&#8217;.  I am, still, such a dork.)</p>
<p>Throughout December, I’ll continue to highlight my favorite posts from 2007.</p>
<p>If you haven’t done so, please consider subscribing to No Credit Needed.  (It’s free!)</p>
<p>Click here to <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=133041&amp;loc=en_US">subscribe via email</a>.</p>
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<p>Follow me via <a href="http://twitter.com/NCN">Twitter</a><br/><br/><a href="http://www.ncnblog.com/2007/12/11/2007-no-credit-needed-year-end-review-february/">2007 &#8211; No Credit Needed Year-End Review (February)</a></p>
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