Click below to listen to the latest episode of the No Credit Needed Podcast:

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In this episode -

My favorite budget software – YNAB Personal Budget

The three C’s of debt reduction -

Create a plan

Consider the costs

Chronicle your progress

Rich called in and won a $50 debt reduction prize pack!

Watch Rich’s progress over at the No Credit Needed Network – JerseyPayoff

I’d like to say thank you to Smallfish for providing this week’s music -

Visit the Smallfish Website

Visit their MySpace page

Click here to download their single – Duct Tape – It’s free!