January 4th, 2009 
NCN The No Credit Needed Network is now accepting new members.
Click here for information about the NCN Network and here to join.
The NCN Network will be accepting new members throughout the month of January.
Please contact me if you have any questions about the Network.
To see an example of an NCN Network chart, look in the right hand column of this site.
If your chart has been deleted, contact me if you would like to have it reactivated.
July 22nd, 2008 NCN My wife is an educator, so she’ll be headed back to the classroom in a few weeks. We have been so busy this summer – and our financial records reflect a slight lack of discipline. We haven’t overspent, but we haven’t saved us much as I would have liked, either. But, frankly, with all that we’ve had going on, I’m amazed that we’ve done as well as we have.
Now that summer is drawing to a close, we’ll have a chance to resume our normal schedule. I don’t know about you, but the recent spike in gasoline prices have made staying on budget more challenging than ever. Our gasoline category keeps increasing, month after month. And, using my grocery store price book, I’ve noticed that food prices have gone up, rather dramatically, over the last year. Our entertainment category keeps shrinking and is almost down to the levels we had it at when we were aggressively paying off debt.
Changing the subject, those of you visiting the site will notice (yet another) site redesign. I won’t go into the details of the changes, but I will say – I missed the RED! Hopefully, you’ll dig the new look and feel. I know I like it much more than the laid back green-and-brown.
I’m headed to the bank. I’ve been so busy the past two weeks, I haven’t had a chance to deposit my paycheck. It feels weird, even after years of living on a budget, to be free of the paycheck-to-paycheck cycle. I can remember the days of rushing to the back, worried that a check would bounce, knowing that every dollar I was about to deposit had already been spent. Man, I wouldn’t go back to those days for all the credit card reward points in the world. 
June 2nd, 2008 NCN I am proud to announce the creation of my newest website – 99 Changes.
As many of you know, I’ve been writing about personal finance and weight loss for several years. Now, I’m adding a new site to the mix, a site where I can write about a broader selection of topics.
Please click here for more information about 99 Changes and its purpose.
To hear more about 99 Changes and how it will fit into the No Credit Needed ‘family’ of sites, please download and listen to the very latest episode of the No Credit Needed Podcast. In the latest episode, I recap my history of blogging about personal finance and weight loss – and I give readers/listeners the insides-scoop on the new site, 99 Changes.
May 31st, 2008 NCN We are home from a wonderful week of vacation. We stayed in Palm Coast, Florida. The weather was amazing, our condominium exceeded our expectations, and the kids had a blast. As for me, I feel like a new man. But, I did miss two things – blogging and podcasting!
I hope you’ll take the time to check out my podcast – over at No Credit Needed Podcast. I’ve just recorded and released a new episode: No Credit Needed Podcast Episode 7 Of 2008. In the episode, I talk a little about a new, secret-for-now project that I’m working on. I want to thank so many of you for listening to the podcast and subscribing the the podcast feed. As of today, there are over 700 subscribers and the last episode was downloaded more than 1200 times!
Late Saturday or early Sunday, I’ll have more information about the new project. Suffice to say, I’m excited about trying something new and I can hardly wait to share it with my readers and listeners.
April 30th, 2008 NCN For those of you who are visiting via the web, you’ll notice that I have made some pretty major changes to the look and feel of No Credit Needed. My old theme isn’t compatible with the latest version of Wordpress (the software that I use to manage my websites). I hope that the new theme will make things easier to find. If you have any comments about the theme, I’d love to read them. Thanks for your patience, as I work out the bugs over the next few days. The update to the site will not affect my posting schedule.
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