Use Federal Reserve Survey Questions to Test Your Household’s Economic Well Being

The United States consists of about 125 million separate households, each one with its own unique set of financial circumstances. Some households work like economic pressure cookers; they’re overheated by delinquent loan payments, unpaid credit card balances, overdue bills, unbudgeted emergencies, nonexistent savings, and the like. Some households run much cooler, and work more like soft serve ice cream […]

Continue Reading

Frugality’s Secret Gateway Drug

I’m a pusher. With this blog, I stand on a virtual street corner to sell a beguiling stimulant known as “frugality.” Frugality isn’t something you inject or inhale. Instead, frugality is something that works best when you swallow it whole—like a big pill. And unlike the pill named “ecstasy,” frugality delivers the genuine article: a […]

Continue Reading

The Best Christmas Gift Ever

To help get you in the Christmas spirit, I’m republishing this 2014 article about a totally digital present my eight-year old sister gave me. Happy Holidays! The best Christmas gift I ever received was homemade. It came from an eight year old—my youngest sister. She gave it to me on December 25, 1982 and it’s […]

Continue Reading

Compare Your Adjusted Gross Income to Others by Age and Filing Status [Using 2014 IRS Data]

Note: this post revises an October 14, 2015 article that reported 2013 data from the IRS Statistics of Income (SOI) program. Since then, the IRS has released its 2014 statistics so the time is ripe for an update. Everyone compares themselves to others—it’s basic human nature. But sizing up paychecks isn’t polite conversation. In fact, it’s taboo. […]

Continue Reading
Candy Graph

How to Compare Your Income to Others (Without Being Rude) [Using 2015 Census Data]

Note: this post revises an earlier article dated October 12, 2015 that was based on 2014 data published by the US Census Bureau. Since then, the 2015 data has been released so it’s time for an update. Everyone likes to compare themselves to others—it’s basic human nature. But comparing your income to others is not a topic […]

Continue Reading

Ten Amazing Tax Breaks that Await Your Early Retirement [2016 Edition]

If you’re on a path to retire early, it makes sense to acquaint yourself with some wondrous tax savings. When you’re approaching retirement, these savings deliver motivation to stay the course (there’s a pot of gold at the rainbow’s end). When you’re already retired, these savings point to lucrative tax strategies (there’s a pot of gold sitting on the doorstep). Because […]

Continue Reading

A Solid Case for DIY Covers

Whenever you buy anything that’s worth much, inevitably someone tries to sell you a cover. “Your expensive new purchase,” they say, “needs solid protection.” I concede the point, but cases can be costly. Recently, I went online and dropped $100 on a new table tennis paddle. Like many case-worthy products, it’s a fragile thing that must […]

Continue Reading

2017 Obamacare Premium Tax Credit Calculator

Note: I’ve updated this calculator so that it runs directly on your browser (instead of on an embedded spreadsheet). To use this new and improved version, click here. In 2017 the federal government will once again offer a Premium Tax Credit (PTC) to qualifying taxpayers who buy health coverage from an approved health insurance exchange. To […]

Continue Reading

DISCLAIMER. All information on this website appears on an "AS IS" basis. A Noonan Moose makes no representations to any reader as to the completeness, accuracy, or suitability of the information that appears on this website. A Noonan Moose specifically disclaims liability of any kind for any damage or loss that arises from any of the information published on this website or in the book Spend Less Now!