Stores That Offer Free Or Discounted Prescription Drugs

Check out this updated list of stores and pharmacies that offer free or discounted prescription drugs.  Save money on your prescriptions.  List updated once a month.  Last updated December 17, 2014.

Click the links to view information about each store’s discount prescription drug program –

Free Medications -

Publix – free antibiotics plus Amlodipine, Lisinopril, and Metformin

Meijer – free antibiotics plus prenatal vitamins, Metformin,  and Atorvastatin Calcium

Free Antibiotics -

Giant Eagle – free antibiotics

Harris Teeter – free antibiotics

discount presriptions

Discounted Medications –

Kroger – $4 / $10 generics

Ralph’s – $4 / $10 generics

Target – $4 / $10 generics

Walmart – $4 / $10 generics (some states)

Fred’s – $4 generics

This list was updated December 16, 2014 and will be updated once per month.

Information is subject to change.




Tweet about this on TwitterShare on FacebookShare on StumbleUponPin on Pinterest
Continue Reading

DIY Week – Budget Friendly Tools

I’ve recently added following inexpensive, budget friendly tools to my DIY arsenal.  They’re great for projects around the house and basic woodworking.  They are inexpensive – but not cheap – and they help me get the job done.

My favorite new toy tool for the year is the Kreg R3 Jr. Pocket Hole Jig System.  I’ve used it several times this year – to make a shelving unit for my daughter’s room, to build a small table for a family member, and to join the legs on my shop bench. The Pocket Jig allows for the drilling of pocket holes, which then accept pocket screws. This system replaces more complex joinery, allowing for quick, strong assembly of project components. I’ve included a link to Amazon if you’d like to purchase your own Kreg Pocket Jig. I really like mine. Also, here’s a link to a pintrest page filled with pocket hole projects.

One of my long-term goals is to build a dedicated workshop in our backyard. For now, however, I work on most projects in our garage or my shed. So, I’m a big fan of small, easy to use tools like the Black & Decker JS660 Jig Saw with Smart Select Dial. It’s inexpensive, cuts through an assortment of materials, and is great for the novice woodworker. My son and I used this jigsaw to build several birdhouses this past spring.

I’m constantly using my cordless screwdrivers and impact driver around the house – and I find that standard-length driver bits are often too short. I did a bit of searching and found this budget friendly IIT 64370 6-Inch Power Driver Bit Set, 9-Piece. They extend the reach of both the drill and the driver and they fit both flat-head and Phillips-head screws.

Last year, I purchased a router – and I was shocked by how expensive router bits can be! I searched and searched for an inexpensive set and was pleased to find this 24 piece ROUTER BIT SET with Aluminum Carry Case. I’m not a professional so I don’t need super expensive, industrial grade router bits. These work great for me. They’re sharp, they come in a nice case, and they work.

By the way, if you are unfamiliar with how to use a router, here’s a video from the awesome Steve Ramsey with a brief how to:

And here’s a link to the very budget friendly SKIL 1830 120-Volt 2-1/4 HP Combo Base Router Set. For less than $100, it’s an awesome deal.  It’s a powerful tool and I’ve used it on multiple woodworking projects – including a top-secret Christmas present I’m building for my wife. Shhhhh.

DIY projects are fun – and they can save you lots of money – but not if you go broke buying expensive tools.  These budget friendly tools help me fix stuff around the house an make things for my friends and family.


Tomorrow is day two of DIY Week.  I’ll have another budget friendly article – with a focus on inexpensive, awesome DIY projects for around the house.  I think you’ll dig it.  Blessings.

Tweet about this on TwitterShare on FacebookShare on StumbleUponPin on Pinterest
Continue Reading

New Ways To Connect With No Credit Needed

When I started No Credit Needed, there were very few ways to share newly published content with the world.  I would publish a new article – and then wait for traffic to come from a search engine or another site, usually via a simple text link.  Thankfully, there are now many more ways to share content – and connect with readers.

I have been using both Twitter and StumbleUpon for several years, both to post and find content.  I will continue to use these social media platforms –

Twitter –  Please follow me via  I tweet daily – with personal links to my own content and to that of other personal finance writers.

StumbleUpon – Click to view my StumbleUpon profile.  If you find an article here at No Credit Needed that you like, and you are a StumbleUpon user, please use the buttons at the end of each post to stumble and share with your followers.

I have just begun to connect with and use these social media platforms –

Facebook – This one is brand new.  Check out the facebook page for No Credit Needed.  Please like the page and share it’s content with your friends.

Flipboard – Check out the new  flipboard profile for No Credit Needed – and a personal finance flipboard magazine called the No Credit Needed News.  I’m loving flipboard – and I’m having a blast learning how to use it and all of its features.

Pintrest – Follow my pins over at Pintrest.  I am a big DIY fan – so I’ll be pinning content from around the web dealing with personal finance, simple living, woodworking, landscaping, and more.

social-349568_1280I will continue to use the following to promote the site’s content via subscription –

RSS – For old school newsreader fans – please subscribe to the No Credit Needed rss feed.

Email – If you are a currently subscribe to No Credit Needed via email – change is on the way.  I’m switching over to a new email newsletter provider.  I’ll write a post about the new service in the next few weeks, but I wanted to give you a heads up.  You’ll need to switch over to the new service, but the process should be painless.  The new email newsletter service will provide more flexibility for me when I’m organizing and emailing content.

I want to thank you for visiting my site.  Over the years, I’ve learned a lot from both my readers and my fellow writers.

The blogging landscape has shifted – several times – since 2005, but I still love writing about personal finance, debt reduction, and saving money.

Thank you for reading No Credit Needed – and I hope you have a blessed and awesome day.  Rock on!


Tweet about this on TwitterShare on FacebookShare on StumbleUponPin on Pinterest
Continue Reading

We Paid Off Our Credit Card Debt Using This Strategy


That’s how we paid off our credit card debt.

Back in 2005, my wife and I created our debt reduction plan.  Fans of Dave Ramsey, we established a mini-emergency fund and then we set to work on our debt snowball.

We were locked-in and focused – ready to get out of credit card debt.  Rather than send just one extra payment, we made several micro-payments, throughout the month.

This kept us connected to the debt reduction process.  Watching our credit card balances drop really kept us motivated.

Each month – we followed the debt snowball list – and made minimum monthly payments to all of our creditors.

We would then send an extra, principal-only payment to the first account on the list.

With our budgeted-for monthly payment and extra payment accounted for – the fun would begin.  We would look for ways to save money – and at the end of the week, we would send a micro-payment to the first account on the debt snowball list.

Very quickly, we began to erase our credit card balances.  The micro-payments began to add up – to the point where we were applying more than twice what we had an anticipated, each month, towards debt reduction.

Long-term readers will remember that we managed to pay off our credit card debt in less than a year.  Using micro-payments really worked for us.  We now use the same strategy to fund our savings and retirement accounts.


Instead of making micro-payments to our mortgage company – we make micro-deposits to our savings account.  At the end of the month, we then send a single, principle-only payment.

The micro-deposit strategy avoids any issues with companies that limit the number of payments allowed during a particular billing cycle.

Using micro-payments is often referred to as snowflaking – a term I first heard from a fellow personal finance blogger.  Since then, several others have written about snowflaking, snowflakes, and the process of using snowflakes to get out of debt.  Check out their articles for more information about the power of micro-payments.  Blessings.

Tweet about this on TwitterShare on FacebookShare on StumbleUponPin on Pinterest
Continue Reading
View My Stats