When my wife and I were getting out of credit card debt, we worked hard to reduce two things – the total debt balance – what we owed to all of our creditors (total credit card debt) and the total amount of interest we were paying each month to finance our credit card debt. When we first started paying off…
Author: NCN
Happy New Year From No Credit Needed
I hope that you have a blessed and happy New Year! 2012 was an interesting year for me and my family. On a personal level, it was one of the most fulfilling years of my life. I have been encouraged in my professional and spiritual life – and I am very excited about 2013. Blogging has changed a lot since…
Mortgage Payoff Progress for December 2012 with Chart
My wife and I moved in to our new home in February of 2010. We have a conventional, fixed-rate, 15-year mortgage. We recently reduced the interest rate on our mortgage. Our goal is to pay it off our mortgage in less than ten total years. As of December, we have made 33 regular, monthly mortgage payments. We have also made…