August 2015

Energy Costs

My energy company has started sending out Home Energy Reports.  I figured that I was probably doing pretty well.  After all, I don’t keep the house unreasonably cool, and I don’t spend a lot of time watching TV, and I do my best to always turn off the lights when I leave a room. My …

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CD Laddering

Gone are the days of super high interest rates.  I think that when I first opened my Capital One 360 Account (then known as ING Direct), the interest rate was around 5%.  It then steadily dropped to 0.75%, where it’s been holding since October of 2012.  Still better than a lot of accounts, but I miss …

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Budget Update

I’ve been pretty open about the fact that my budgeting has gone off the rails. I’m overspending.  There’s no question about that.  And it’s easy to blame it on the big things, like the triathlon bike I just purchased and all the accoutrements that go along with it. But that wasn’t the problem.  I had …

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