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January 2020
« Dec    

One of the Realities of Uneven Year-to-Year Income

We had a financial boom year last year, which means we had a big tax bill this year. It also means that our estimated tax payments for this year are recommended at a rate that would cover us having a boom this year too. In theory this is setting us up for a tax return […]

Recalibrating the Finances

I’ve been co-managing a business for more than twelve years now. Since the business continues to support our family, evidence suggests that I have at least a minimal level of competence at the tasks that I must do. However I’m constantly aware that there are huge gaps in my knowledge, because I learn things as […]

Stress is not Logical

I woke up this morning stressed. I was stressed yesterday, but not at a drive-all-my-thoughts-and-actions level. Somehow the fact that it is Friday and I have almost run out of week tipped me over. There are all these things I need to do with various due dates. Today Contact the GenCon hotel and arrange for […]

Thinking About Vehicles

I took a deep breath before exiting my car, preparing myself to enter enemy territory. Not that anyone was going to overtly attack me at a car dealership, but I could not be certain which sort of salesman would appear to show me cars. I was fortunate. The man was quite nice and not particularly […]

Things I am Stressed About

I have decided that rather than letting all these thoughts swirl around in my head, I will pin them to a list. Once I make them hold still I have a better chance of figuring out which ones actually need my attention.

Gleek goes to camp next week. This will be her first away from […]


I looked at the number on the credit card bill and my stomach both clenched and dropped. It was a big number; the cost of shipping more than a thousand packages during the month of December. My heart rate picked up, feeding adrenaline and oxygen into my brain in nature’s own emergency response system. I […]

Things Which Help Me Be Happy

Based on the experimental evidence from the last month there are some things I need to make a more regular part of my life to increase my happiness. Spend more time with people who are glad to see me. This past weekend I got to see several people whom I like very much, but whom […]

Budgeting 101

The basic concept of budgeting is this: Dividing your estimated earnings into assigned categories for spending. If you are on a fixed salary this process is fairly simple. I’ll cover some basics, and then talk about some more difficult cases. I am addressing this primarily to people who are not in dire financial need or […]

Financial Management for Creative People 101

The first thing any creative person needs to know about managing finances, whether you’re an artist, a writer, a musician, a film maker, or anything else: Good financial management is a skill. It can be learned by anyone no matter how good or bad they are with numbers. Granted, if numbers are not your friends, […]

Time to get to work

Sometimes people approach Howard and I to ask our advice on starting up and running a small business. Our responses vary depending upon the particulars of the person asking, but we always caution them to pick a failure point. This is a defined set of circumstances under which it is time to give up and […]