Day 2: More Calls More Money (Saved)

It’s Day Two of my plan to reorganize my finances and improve this website.  Today I spent some time making a few phone calls and working on organization.  Here’s what I accomplished (and what I didn’t) –

My first goal was to call our satellite television provider and discuss options for lowering our monthly bill.  My wife and I had discussed getting rid of the service altogether, but we decided to wait for one more year.  Our reasons were pretty specific:  We have slower-than-average internet speeds at home – and our kids love to watch live sports.  So, we decided, that if the provider would lower our costs, we’d renew our contract for one more year.  I know that there are options for live sports over the internet, but for now we are sticking with our current provider and our app-less television.

I made the call this morning and after a bit of discussion – reminding them of our status as long-term, on-time, customers AND mentioning the fact that their competitor is offering much of the same programming at a reduced rate – we managed to reduce our monthly cost by nearly 30%!

Like most folks, we have cellular phone service.  Two of our kids are old enough to have phones, so we have four phones in our household.  Living in a rural area, service can sometimes be spotty – and we are really happy with both our current phones and our current coverage.  I made a few calls and did some research, and I am still looking for ways to cut our monthly rate, but stay with (basically) the same service.  I didn’t accomplish much, but I didn’t waste my time, either.


As far as mundane tasks go, I’m not sure anything is more mundane than backing up files and organizing emails.  I have three computers, a tablet, and a cellphone – and each of them contain various files that needed to be backed up.  I’ve tried several solutions, but here’s what I ended up doing:

I made an offline backup of each device, using a couple of handy 1 TB Western Digital hard drives.

I made an online backup of each device, using Google Drive (one account per device) or OneDrive.

I have backups that I’ve made at various times, scattered over other drives and services.  Now, each device has a dedicated storage solution and account.  It feels oddly satisfying (and more secure) to have this done.

Finally – email.

Apparently, I love creating email addresses, using them for various websites or personal use, and then forgetting about them.  I’m embarrassed to say just how many email addresses I’ve used over the past 20 years – but today, one by one, account by account, I organized them.  I deleted spam, I made replies, I moved email to archives, I updated passwords.  Legit, I spent hours, searching through emails, organizing them, and forwarding accounts.  As it stands:

I have now established one, primary email account for personal email and one, primary email for business-related emails.  I also manage email accounts for various web properties and my job.

I organized those as well – and have bookmarked and organized all accounts, in one bookmarks folder, for easy access and updating.

Step by step, I’m working to improve my organization, save some money, and make this a better site.  The above tasks were less-than-exciting, but they pave the way for further improvement.

Please consider subscribing to No Credit Needed via email or rss – and follow me on and to keep up with my progress.  I’d love to hear from you via social media or here in the comments.  Have a blessed day!

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Podcasts Are Awesome – These Are My Favorites

It makes sense that I would love podcasts, because I learn by listening.  Once in a while, I like to share my favorite podcasts with my readers – as a way to thank the various podcast creators and promote cool, free audio.  Click on the podcast titles for more information – and on podcast-creator names to connect on twitter.

Long-time No Credit Needed readers might remember my good friend Steve.  He is the creator of the awesome, geek-friendly, Geek Out Loud podcast network.  Check out his site for all of his current podcasts.

I have been listening to Marc Hochman for several years – and I love his current show, Hochman, Crowder and Krantz.  Hoch is funny, smart, and always has unique takes – on sports, food, and hot potatoes!

Hello Internet is an interesting show, covering science, technology, politics, and daily minutia, featuring conversations between & . Each episode is unique, with several segments, covering a wide-range of topics.


I love podcasts about history – and my current favorite is the Revolutions Podcast, created and produced by well know pod-caster, Mike Duncan. Check out his site for links to his other, awesome, history-related podcasts.

I’ve been listening to the Tony Kornheiser Show for more than 15 years, and I really like his new podcast. Tony talks about politics, sports, entertainment, his golf game, and the importance of valet parking. I am very interested to see if Tony can make the transition from traditional radio to podcasting work, long-term.  I have high hopes, because I love the idea of profitable, on-demand content.

Click here to read an article I’ve written for those who need more information about how to listen to podcasts, including how you can stream and subscribe to your favorites.

Please consider subscribing to No Credit Needed via email or rss – and follow me on and  I’d love to hear from you via social media or here in the comments.  Have a blessed day!

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$25 Off $100 In Dewalt Tools On Amazon

I am a big fan of Dewalt tools – and between now and December 22, 2016, you can save $25 when you purchase $100 of select products.  Click the link to see a list of tools included in this offer and to view terms and conditions.

I personally own the awesome compact drill driver – which is on sale today for $149.  It comes with 2 20v lithium batteries and is brush-less. A less expensive, standard version is on sale for $99.

I also own the Dewalt DWE7480 table saw. It’s a contractor’s saw, but I use it my small shop. The table saw is easy to set up – and has an awesome fence, simple to adjust and sturdy.

Looking for stocking stuffers? These Dewalt drill bits and Dwalt impact screw diving set would make great gifts.

If you haven’t already done so, Try Amazon Prime 30-Day Free Trial. You’ll get free second day shipping, access to awesome video content, and an assortment of other benefits. You can try the service for free, for 30 days, and then it’s $10..99 per month, or $99 annually. Living in a rural area with fewer local shopping options, Amazon Prime is essential!

This article contains affiliate links. If you purchase an item through any link in this post, No Credit Needed may receive a small share of the sale. Thank you for supporting the site!

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