My online name is NCN. NCN stands for No Credit Needed. I am in my mid-thirties, married, with 3 children.Â I write about debt reduction – and the joy of being debt free.Â If you are a fan of Twitter, feel free to follow my tweets.
I started No Credit Needed in April of 2005 so that I could track my debt reduction progress. In February of 2006, after getting out of debt, I tracked my progress as I saved a 6 months emergency fund. Since October of 2006, I have tracked my progress as I plan for retirement, save for my kidsâ€™ college educations, and try to live without borrowing money.
Perhaps youâ€™d like to subscribe to one (or more) of my sites? Simply click on one of the links below –
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Simply click the contact tab at the top of this page or leave a comment at the end of any post!
When do I post?
I have a full-time job (which I love, by the way) so I do most of my posting at night or on Saturdays. If I have meetings scheduled at night, I will squeeze some time in during the day.
Do my friends/family know about my blog?
YES! Many of them know about it but Iâ€™m not sure how many of them read it. Also, a few of my blogging friends know my â€œrealâ€ name. But, I like NCN, because it rocks!
Are you a personal finance professional?
NO! NO! NO! I do NOT give advice. I just like to talk about what I am doing and I like to encourage others to find their own success.
Do you make any money from your blog?
Yes, but not that much. I never started blogging to â€œmakeâ€ money. I didnâ€™t even know that making money was possible. But, over the past 2 years, Iâ€™ve learned a little about advertising and I make enough money so that the blog â€œpays for itselfâ€.
Have your received any â€œmediaâ€ attention?
Iâ€™m SO glad you asked! YES! In an absolutely surreal turn of events, my site was mentioned in the New York Times, I was interviewed by Jean Chatzky from Oprah Radio, and I was recently filmed by a television station from Atlanta. Trust me, I was NOT expecting this media attention, but Iâ€™m super-thrilled about it. I hope, that in some â€œsmall wayâ€ I can inspire other folks to save money and get out of debt.
Why do you refuse to use credit cards (or borrow money)?
I do not use credit cards because I do not NEED to use credit cards. I prefer to pay for items with cash. I do not plan on borrowing money. I do not like the idea of paying interest. So, I am trying to save enough money so that I can purchase automobiles, college educations, and a home, with cash.
How long do you plan on blogging?
I really, really enjoy writing. I also like talking about â€œpersonalâ€ finance. So, Iâ€™ll keep writing as long as folks keep reading!
Do you have any personal finance blogs that you like to read?
YES! See that list on the right-hand side of this page? THOSE are the personal finance blogs that I read on a (very) regular basis. You should check them out!