Category Archives: Money Management

Take Back Control

Happy New Year! Here’s how I rid myself of consumer debt – and took back control of my financial future.  (No gimmicks necessary…) First, I sat down with my wife and had an honest conversation about our finances.  We talked … Continue reading

Posted in Debt Reduction, Money Management | Comments Off

Structure And Freedom

Over the years I have learned the true value of creating structure and following a routine.  My wife and I use the following structured systems to control spending, plan for saving, and manage our finances. Monthly Calendar – Each month … Continue reading

Posted in Budget, Cash, Money Management | 5 Comments

Resource Reminder – 7 Hours For Healthier Finances

Last year I wrote a series of articles entitled Dedicate 7 Hours for Healthier Finances.  Since that time, readership of No Credit Needed has increased – and I want to make sure that new readers (and folks who might have … Continue reading

Posted in Money Management, Resources | Comments Off

Achieving Financial Goals – The Process Remains The Same

I do not like distractions.  When I am working on an article, I don’t want to listen to music.  When I am watching television, I do not want to hear the noise of the dish washer.  My mind is of … Continue reading

Posted in Goals, Money Management, Saving Money | 1 Comment