thToday I got my first paycheck since Nov. 29. At times this self-employment thing is for the birds.

My tax guy suggested I pay myself four times a year instead of monthly. It makes the paperwork easier, but part of me believes the quarterly system stinks.

That would be the part that’s been monitoring the checkbook balance – and suffering periodic panic attacks – since Thanksgiving.

Yet another part of me is glad that I’m not collecting 12 paychecks a year. The quarterly payouts help me keep my frugal edge.

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thLast year a line leapt out at me from, I believe, an MSN Money article: “Saving is the new sexy.”

I read it out loud to DF. His response: “It’s the old sexy as far as I’m concerned.”

That tickled me so much that I wrote both statements on a piece of scrap paper and taped it to my work station. Sooner or later, I knew, I’d be writing about this.

Finally I am, thanks to a survey from Ally Bank. It found that three out of four people believe it’s important for mates to share a similar financial philosophy. And the most appealing financial habit?

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thWant to get a glimpse of what young people are facing? “The Millennial Next Door Revealed: How to Be Financially Successful in Your 20s,” a free e-book from, is available starting today. (Click on the link to get your free copy.)

Author Katie Holmes notes that millennials (those born between 1981 and 1994) face a faltering economy and high student debt, along with a lot of withering generalizations (entitled, narcissistic, lazy). Mostly I agree with her; in fact, I believe that millennials have gotten a raw deal, economically speaking.

Although I have an issue with the ways its conclusions were drawn (more on that in a minute), I think “The Millennial Next Door” offers some valuable info on the mindsets of this cohort. And I’d say that even if I weren’t one of a couple of dozen personal finance writers contributing money tips to the work.

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thAt this time of year anger begins to build toward the Internal Revenue Service. We collect W-2s and other paperwork, we dread the tax forms and we resent the United States government.

Some consumers aren’t furious with Uncle Sam right now, but they sure are ticked off at Intuit.

The company made major changes to the Deluxe version of its popular TurboTax software, removing several forms (including rental income and capital gains) and nixing help with filling out self-employment and small business income.

Some consumers who already bought the software have found they must pay up to $40 more for an upgrade. Guess what? They’re not happy about that.

“Generally everybody directs their ire at the IRS. This year, TurboTax is catching the hate,” notes tax journalist Kay Bell.

If you were one of those early birds, don’t despair: H&R Block wants to give you a free replacement product.

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thAs I recently noted in “A simple way to save $159k,” people with poor or nonexistent credit will feel the sting of higher interest rates. Specifically, they’ll pay an average of $159,464 more in interest over their lifetimes, according to’s Lifetime Cost of Debt Calculator.

The number-crunchers over at have now revealed the states with the highest and lowest lifetime credit costs. Alaska isn’t in either the top or bottom ten. However, the state of my birth, New Jersey, is home to the fourth-highest average lifetime cost of debt. Yay.

Short form: If you want to pay less, improve your credit score and then move to Iowa.

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