Our 2013 Tax Rate

Last year, for the first time since getting married, my husband and I entered a new tax bracket for our federal taxes. We were interested to see what this would do to our effective tax rate, which in previous years had been in the single digits. Of course, 2013 was anything but a traditional tax…Continue Reading

Workplace Lessons in 365 Days

This week, I celebrated my first “work-a-versary” at my new job; although, I guess that I’ve been with my job for a full 12 months now, it’s not all that “new” anymore. When I chose to return to the workforce after several years as a freelancer, I wasn’t sure what to expect; after all, it…Continue Reading

Disney Rich, Cash Poor

I assume you’ve heard the phrase, “House Rich, Cash Poor.” It refers to the idea that someone’s overstepped their family’s finances when it comes to purchasing a home, meaning a lot of money is tied up in real estate and leaving them little liquid assets. I swore I’d never fall into that “Cash Poor” category,…Continue Reading

Forgetting to Forward Mail

“THEY DON’T LIVE HERE ANY MORE!” I scrawled atop the envelope from AARP in big, angry, red marker, borrowed from my daughter’s collection of kindergarten art supplies. Probably a little over the top for a message to the USPS, but I was at my wit’s end; something had to be done. When you move –…Continue Reading

When Money Becomes Like A god

Take a look at that title again – and please note the lower-case “g” on the word “god.” There’s a reason for that. As a Catholic gal – not just one of those Christmas & Easter Catholics who take up the front pews during high holy days while skipping out on mass the rest of…Continue Reading

5 Common mistakes struggling businesses make

In the first quarter of 2012 there were over 4,000 compulsory liquidations and creditors’ voluntary liquidations in England and Wales, according to The Insolvency Services. A flatlining economy is adding to many companies’ worries but there are common mistakes that a struggling business can make that are more likely to make it a statistic. Delaying action Except…Continue Reading

Saving for Retirement vs. Saving for College

As we sit here today, I owe roughly $14,500 in student loans. Sounds like a lot, doesn’t it? Actually, it’s a paltry sum compared to the gargantuan amount of debt I racked up during my five and a half years in college and grad school – I did go to Duke, after all, where tuition…Continue Reading

Unlimited Vacation Days? I'M IN!

Some people look forward to their yearly raise; others aspire to the corner office. Not me. My favorite workplace “incentive” is paid time off – sick days, vacation days, personal days, holidays. The roughly 17 days of paid leave I get every year is by far the best perk you could give me. I long…Continue Reading

Making Mistakes at Tax Time

For years, I loved tax time. That’s because my husband and I made a habit of taking out a little too much money from each paycheck throughout the year, ensuring we’d get a nice big refund every spring. Then my father – a CPA – pointed out the absurdity of giving the government a “loan” each…Continue Reading