$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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Turn Minutes Into Money

Last night, I set about the task of eliminating or reducing expenses. Each trip to the store, phone call or web visit took just a few minutes, and resulted in some pretty decent savings.  By the way, when I use the word savings, I use it in its loosest form.  I’m not only referring to times when I receive a discount, or when I put money away for later, but times when I eliminate an ongoing expense, or recoup money from a prior purchase.  Here’s what I did:

Over the years, we have subscribed to various internet-based entertainment services, like Netflix.  We love Netflix, so we are keeping it.  However, I did cancel another internet-based streaming service, and saved myself $9.99 per month.  Total annual savings, $119.88.  Total time on website, less than 5 minutes.

Side note:  I’m not really sure how we ended up subscribed to the particular service.  I think we signed up for a free trial and just never cancelled.  Like I mentioned a few days ago, I’ve been slacking the past few months – and that’s the kind of stuff that happens!

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I have, in my time as a web content producer (a fancy way to say blogger) registered several domain names.  Today, I listed those names, decided which ones to keep (for now) and eliminated the ones that I know I no longer need.  I cancelled the renewal for two domains, and both will expire in a few months.  The annual savings, for each domain, is $14.99.  Total annual savings, $29.88.  Total time on website, less than 5 minutes.

Side note:  I am considering trying to sell some of the other domains.  I’m doing my research and estimating their values.

When paying a medical bill yesterday, I noticed, via the healthcare provider’s website, that I actually had a credit balance on one of my accounts.  I tried to contact the provider via online chat, but they never picked up (is that the right phrase?).  So, I gave them a call.  It took a few minutes of drilling down, through a seemingly-endless selection of menus – but I finally reached an actual, real person.  I requested a refund for my over-payment.  It should post to my checking account in a few days.  Today’s savings, $27.12.  Total time on the website and the phone, less than 15 minutes.

I returned a pair of shoes.  They were new and never worn.  I purchased them without trying them on – and they’ve been sitting in a closet for three weeks.  Thankfully, I kept the receipt.  Today’s savings, $72.11.  Total time to return the shoes (minus the driving), less than 5 minutes.

Side note: It’s often shocking how much new-with-tags and new-in-the-box stuff folks have in their closets, garages, dressers, and drawers.  Returning these items is a great way to de-clutter and put a little money back in your pocket.  If a store refuses a return, I’ll sell an unwanted item on eBay.  When we were first getting out of debt, we used eBay to help us build our very first emergency fund.

I printed out and analyzed bills from our current internet, cellular, and television providers.  The bottom line is – we are paying too much for these services, considering out actual use.  The reality is – we are an extremely busy family – our oldest is now driving! – and I’ve been ignoring the real costs associated with convenience.  I haven’t made any firm decisions, but I will soon, and these costs will be coming down!  Time spent downloading and printing current bills, less than 2 minutes.  Today’s savings, ????

Side note:  We live in a relatively rural area, so our choices for providers is somewhat limited.  That being said, we can do much better than we have been doing.  I’ve also noticed, the prices for these types of services seems to creep up, over time, with new fees and added costs.  Changing providers may or may not be an option for us, but we’ll see.

There you go.  These were the first in a series of what I hope will be profitable steps.

Please consider subscribing to No Credit Needed via email or rss – and follow me on twitter.com/NCN and facebook.com/NoCreditNeeded 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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Day One: Getting Started

It’s Day One of my plan to reorganize my finances and improve this website.  Today’s tasks took just a few minutes each to complete – and set the groundwork for future steps.  Here’s what I did –

I checked our credit scores.  We are considering a mortgage refinance in the new year, after we file our tax returns, and I wanted to be sure that all of our credit information is up-to-date and correct.  I was pleased with what I saw – but will look for opportunities to improve our score.

Side note:  I mentioned this in a post several years ago:  While we do not routinely carry balances on our credit cards, we will use them from time to time, just to keep the cards active and in good standing.  I am not a credit score expert – but I assume that this helps to improve our score.

I sorted, paid, organized, and filed all available bills, through the end of 2017.  Our paychecks arrive near the end of each month.  Our most recent arrived, today, and our next paychecks will go towards bills in January.  I like the idea of a clean-slate, so I went ahead and paid all of our December bills, today.  Obviously, new bills might arrive over the next month, and we will pay them, but I’d like to start January with as little baggage as is possible.  Plus, it will be cool to enjoy the holidays without stressing over the writing of checks or the sending of payments.

NCN Day One

I updated our financial accounts information spreadsheet – with information about current balances, web addresses, contact numbers, and logins.  My wife and I can use the information spreadsheet when planning our budget.  It’s also a great tool for measuring our progress throughout 2017.  We keep the information sheet in a secure location.  By the way, I’ve used various programs, websites, and apps for keeping up with all of our various accounts – and I still prefer a simple spreadsheet and printout.

I own and manage several websites.  Some are active, while others are inactive.  I need to decide, long-term, what to do with each.  Today, I took the first step towards consolidating and organizing my various sites.  I logged into my various domain registrars and web hosts – and made a list of when each domain will expire, how much each domain costs per year, and when future website-related payments are due.  I need to consider what to do with each of these domains and sites – but organizing this information was a good (and necessary) first step.

Side note:  I have a couple of domain names that might be of some value.  I have no idea how to sell a domain name.  I should research this process.  Add that to the list!

Today was Day One – and I’m excited about what I was able to accomplish.  The tasks themselves were relatively simple, but I now know where I stand and I am more prepared for 2017.

Please consider subscribing to No Credit Needed via email or rss – and follow me on twitter.com/NCN and facebook.com/NoCreditNeeded 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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