Category Archive: Press

FrugalCoast2Coast Interview Scheduled 8:30 pm

Tune in tonight at 8:30 pm (Eastern) to FrugalCoast2Coast – an online streaming radio program hosted by Lynnae from Being Frugal and Jenn from Frugal Upstate – and listen to them interview yours truly, NCN.  We’ll be talking about losing weight – on a budget!  The show will be broadcast live, and you can even call in with your questions, for me, Lynnae, or Jenn, at (646- 716-5529). Or, visit the FrugalCoast2Coast website and join in the live chat, during the show.  If you miss the live show, never fear.  You can download the show, and even subscribe to it via iTunes, after we have recorded.  I’m looking forward to tonight’s discussion, and I hope you’ll join us.

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Life Without Credit Cards And The No Credit Needed Experiment

I want to thank those of you who have clicked over from Money Magazine. Author Donna Rosato interviewed me a few weeks ago and yesterday, her article, Life Without Plastic, was published on the Money Magazine website. My family and I are profiled on page 6 of the article. The print version of the article will be in the July issue of Money Magazine – on newsstands this week.

(If you missed it, please click here to read my original welcome message, written yesterday when the article was first posted on the Money Magazine site. You’ll find tons of general information about me and my websites.)

Since so many of you are new to my site, I thought you might like a little background information.

Thee years ago, in April of 2005, I sat down at my computer. I was depressed and worried. I had two kids and a great wife, but our finances were a mess. We had less than $500 in our savings account, I was barely funding my retirement, and we were almost $12,000 in debt. Feeling frustrated, I decided that I was tired of being broke – and I determined to do something about our situation.

For months, I had been listening to Dave Ramsey talk about debt reduction. I decided to follow his ‘Baby Steps’. But, I didn’t really know anyone else who seemed interested in talking about debt reduction and I really wanted a way to connect with like-minded people. So, I found a site where I could start a ‘blog’ for free – and No Credit Needed was born.

Since that day at my computer, my life has changed, dramatically. I managed to pay off all of my debts, build up a decent emergency fund, fully-fund several retirement accounts, purchase a newer automobile with cash, and live without using my credit cards. Now, instead of living life worried about bills and paperwork, I look forward to planning for my future and managing my finances.

No Credit Needed is more than a blog. It’s an experiment. Can a modern family of (now) 5 live without borrowing money? And, my honest answer is, I don’t know. But, for more than three years, I’ve managed to not only live without debt, I’ve managed to thrive without it. So, until further notice, I’m still rocking on, No Credit Needed!

I’ve written several articles about credit cards and why I don’t use them, including –

I Do Not Use Credit Cards

Preparing For Life Without Credit Cards

Philosophical Reasons For Not Borrowing Money

How I Live Without Credit Cards

For those of you considering this way of life, let me assure you of two things – it can be done and it does take a lot of work. I strongly recommend that you live on a written budget. My preferred budgeting software is published by the good folks over at You Need A Budget.

I’ll remind you that I am not a financial professional. Instead, I’m very much just a regular guy. I have an awesome wife, three great kids, a job, bills to pay, and a future to plan for. No Credit Needed is my attempt to share my own story. And, hopefully, from time to time, it will inspire or encourage someone else.

Thanks again for stopping by, and if you have not already done so, please consider subscribing to No Credit Needed via RSS or via Daily Email.

For those of you who arrived here via StumbleUpon, thanks for visiting!  Before you leave, please consider stumbling this post.  Thanks!  For those who have never heard of StumbleUpon, click here to view my profile and consider signing up.

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Welcome Readers Of Money Magazine

I would like to welcome those who have clicked over from CNN Money. Online, I go by NCN, and this is my website, No Credit Needed.

I have been blogging about debt and debt reduction for more than three years. No Credit Needed started out as a simple blog – designed to track my progress as I paid off my credit cards and automobile debt. Over the course of time, No Credit Needed became more than just my blog, it became part of my identity. After getting out of debt, I continued to write about life without credit. I hope you enjoy the site and I thank you for stopping by.

For more about me and my site, check out the links below –

Click here to read the story of my debt reduction – from start to finish.

Click here to view the online version of the No Credit Needed Debt Reduction Guide or here to view the eBook version of the No Credit Needed Debt Reduction Guide.

Click here for a list of all of the posts that I have written.

I also have a weight loss blog – No. Calories Needed and a personal development site – 99 Changes.

For more information about me and my sites, please read my about page.

Again, I want to thank you for visiting my site. I tend to publish one or two articles a day. I write about all kinds of personal finance topics, including debt, debt reduction, frugality, saving money, retirement, investing, family finance, kids, credit cards, and budgeting.

Before you click away, please consider subscribing to No Credit Needed.

You can click here to subscribe to No Credit Needed via Email. Once a day, you’ll receive the site’s most recent content, sent directly to your Inbox. Or, click here to subscribe to the No Credit Needed RSS Feed. You’ll be able to read new content, just as soon as it is published.

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