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Modern Living with No Credit Card – How Debit and Cash Works

I wanted to create a greatest hits of the No Credit Needed Blog based around certain themes. I’ve been blogging long enough on this site that now I have whole sections of this site dedicated to certain subjects. But I’d like to start tying these various threads together, so continuing readers can start to see a holistic theme come together.

By that, I mean that there’s a method to my madness. These various credit and debt articles aren’t just isolated parts to be taken separately, but fit together to make up a larger, consistent framework for how to budget your life.

This isn’t just about quelling an impulse buy here or there, or otherwise getting rid of the momentary urge to max out your American Express card. It’s about changing your lifestyle, at least for the length of time it takes to pull your household’s finances out of the proverbial ditch.

Run Away and Live in the Woods

No, Don’t Run Away and Live in the Woods.

Today, I wanted to discuss living with no credit cards or spending with little credit card usage.

Environmentalists and ecologists talk about a person’s carbon footprint. So let’s talk about your credit card’s “plastic footprint”–how much of an impact your credit cards have on your life (I suppose).

The five articles in this batch offer tips for getting through life with bad credit or no credit card. With cash, debit cards, and a little bit of planning, you can make most of your purchases today.

I’m not suggesting you completely cut yourself off from your VISA credit and Mastercard credit cards, but I am suggesting those who have mounting credit card debt should start finding alternative to the credit grind.

  • No Credit Card Dish Network – For those who want to get satellite television but don’t have a credit card, don’t want to use their VISA or Mastercard online, or don’t want a credit check. This pre-paid satellite dish plan gives you an alternative that requires no use of a credit card whatsoever. End you dependence on plastic and continue to watch the programming you enjoy the most. Entertainment does not require you to deal with a credit card company.
  • Credit Free Dating Sites – This article focuses on the online dating industry and how you can meet other singles on the Internet without a credit card. Most online dating websites allow people to join the community for free, but most of those same communities require a person to pay a monthly fee in order to contact other singles. Sure, you can respond if the paying members find your profile irresistible and starting sending you notes, but most of the time, the free option sucks. This list of 30 singles websites includes Christian dating, pagan dating, Jewish singles, disabled singles, HIV dating, dates with other sufferers of herpes, and ethnic dating groups like Ukrainians, Chinese, Arabs, Indians, and Greeks.
  • Free Legal Advice and Pro Bono Lawyers – Broke people needing criminal trial lawyers are just assigned an attorney by the court system, but those in civil court who don’t have money are out of luck. This articles tells you how you can contact pro bono lawyer associations so you can get civil and divorce lawyers with no credit check, or even without an expenditure whatsoever. Don’t have your life adversely affected by having a bad lawyer or no legal representation. If you have a good enough case, you can get a free attorney instead.
  • No Credit Card iTunes and Free Apps – One of the most-asked questions is how people can download free apps and free music from iTunes without using their credit card. What’s so frustrating for so many song lovers is the Apple iTunes store claims they can get on the site and download free apps and tunes without a credit card, but that doesn’t always seem the case when put to the test. This tutorial tells you how to get free things for your iPod, mp3, iPhone, iMac, Macbook Pro, and iPad without a credit card–and why there’s so much confusion. This is the answer you’ve all been waiting for.
  • Rent-a-Wreck No Credit Car Rentals – This page lists the American cities with Rent-a-Wreck auto rental locations. Roughly half the US states have a RentaWreck and some have up to 18 locations, so you can find a nice alternative to Avis, Hertz, and National that takes cash and debit. They offer cars, trucks, motorcycles, and SUVs like any of the big national chains, but RentaWreck uses vehicles with roughly 40,000 to 70,000 miles on them–about like the rest of us. This company, originally based out of Los Angeles, even partners with local auto repair shops and local dealerships to help lower prices. Renting at RentaWreck helps local communities instead of lord-knows-what.

No More Credit Card Slavery

These five resources should give you ideas for other ways to get rid of your credit card dependence. Plastic is good to have around, because it’s convenient and reasonable use of its charging power lets you build up a credit score for the big purchases in your life: cars, houses, and the other big life events. But that doesn’t mean you have to depend on your credit card for every transaction. If you have bad credit or no credit, you can use these methods to limit your credit card charges to the basic necessities until you get things turned around.

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