Happy New Year! Here’s how I rid myself of consumer debt – and took back control of my financial future. (No gimmicks necessary…) First, I sat down with my wife and had an honest conversation about our finances. We talked about where we were, where we were headed, and where we wanted to be. This conversation – and the many…
Category: Money Management
Structure And Freedom
Over the years I have learned the true value of creating structure and following a routine. My wife and I use the following structured systems to control spending, plan for saving, and manage our finances. Monthly Calendar – Each month we sit down and plan out that month’s events and scheduled activities. We brainstorm and try to be thorough. We…
Resource Reminder – 7 Hours For Healthier Finances
Last year I wrote a series of articles entitled Dedicate 7 Hours for Healthier Finances. Since that time, readership of No Credit Needed has increased – and I want to make sure that new readers (and folks who might have missed the series the first time around) are aware of it. The premise behind the series is pretty simple: Let’s…