No Credit Needed Recommends
I personally use and recommend the following products and services:
You Need A Budget is my budgeting software of choice - and is available in standard and pro versions. I’ve been using YNAB for more than two years and it helps organize my income and my expenses. Plus, the YNAB comes with awesome tools, like an income tax planner, retirement forecaster, mortgage analyzer, and debt snowball. The standard version works with Microsoft Excel or Open Office while the pro version is a standalone program.
ING DIRECT Electric Orange Checking
I recently signed up for the ING Direct Electric Orange interest bearing checking account. I use the account to pay bills. The account has no minimum balance requirements or monthly fees.
ING Direct Orange Savings Account
My emergency fund is in my ING Direct Savings Account. I have found that ING has good customer service, a competitive rate, and an easy money-transfer system.
I have been a Upromise member for several years. After joining, I registered my debit cards, credit cards (back when I used them), and my grocery store savings cards. Now, whenever I shop for groceries (or online through the Upromise website), I save money for my kids’ college. Plus, Upromise is free! And, if you sign-up today, and make an online purchase using the Upromise website, you’ll earn a $10 bonus.
I’ve been buying and selling items on eBay for almost a decade. Honestly, I don’t know what I did with my ’stuff’ before I had eBay!
Disclosure - If you sign-up for any of these services or purchase any of these products, No Credit Needed will receive a referral fee.
