Personal Finances

Year End Financial Chores – 2020 Edition

It’s the end of another year. Here are some end-of-year financial “chores” that you might consider as we close out 2020 and head into 2021. Adjust W2 Withholdings I track my expected tax burden in a custom spreadsheet and tailor my withholdings to be as close to zero as possible. I’m okay with underwithholding, but… Continue reading Year End Financial Chores – 2020 Edition

Computers · Frugality

How to Build a Personal Newspaper

Years ago, my first job was delivering newspapers for the local paper. Well, first if you don’t count selling tomato plant starts door-to-door to the neighbors. I have fond memories of delivering papers in sub-zero degrees early Sunday morning. Times have changed. For years now, I’ve been building my own personal “newspaper” or “magazine” of… Continue reading How to Build a Personal Newspaper

Personal Finances

Locking in Natural Gas Rates

It’s that time of the year when offers to lock in natural gas rates show up in my mailbox. The offers usually employ fear driven marketing, preying upon consumers’ fear of paying too much in utilities and of “unexpected” charges. The offers typically refer to the local utility with terms like “unpredictable”, “unexpected”, “gambling” and… Continue reading Locking in Natural Gas Rates