The toiletries I use are shampoo, bar soap, liquid soap, toothpaste, mouthwash, dental floss, and deodorant. Continue reading Reducing Toiletry Costs
Not long ago, we discovered that our water softener wasn’t working because it was unplugged. We hadn’t noticed a difference. This made us question whether we need to keep using it. Continue reading Is a Water Softener Cost-Beneficial?
I think it’s easier to understand the expected family contribution for college expenses that is determined by FAFSA if it is viewed as a tax on assets and income. Continue reading Our FAFSA Mess
With two full-time teaching salaries, we were on the borderline of the 15% and 25% tax brackets for many years. The biggest jump in tax brackets is between 15% and 25%. To avoid the 25% tax bracket, we contributed to retirement through a 403b plan (public sector 401k), or an IRA. I always hated paying a 25% rate, because it means for each additional dollar I earned, I only got to keep about 61 cents, since I also had to pay 7.65% in Social Security and Medicare, as well as 6% to our state retirement plan. If we contributed an additional 10% to charity, that only left about 51 cents on the dollar. Continue reading Staying Out of the 25% Tax Bracket