Tools for DIY projects can get expensive. Over the years, I’ve managed to accumulate a pretty decent set of hand tools and power tools – most at discount prices, and some for free. Here’s how – I shop the discounted / returned items section at “big box” stores. I purchased a gasoline-powered pressure washer for 50% off retail a few…
Paying Off Our Mortgage – Update With Chart September 2015
It’s time for a new chart! We are working to pay off our fixed-rate, conventional, fifteen-year mortgage. Our goal is to pay it off in less than 10 years. I use a simple pie-chart to track our progress – and post our updates here at No Credit Needed. Having a visualization keeps us motivated! Here’s a chart with details for…
A Simple DIY Way To Make Mulch
Like many folks, we have shrubbery beds surrounding our home. Today, I had a few extra hours after work, so I grabbed my favorite pruning shears and began the process of pruning our shrubs. We have five major shrubbery beds – one for each side of the house and one that encircles a stand of oaks. Over the years, I’ve…