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Jon Wittwer

About the author: Jon Wittwer is the founder, president, and editor of Vertex42.com. In 2003, Jon combined his interest in web development with his love of Excel to create what would become the Vertex42 you see today. Jon has a Ph.D. in mechanical engineering, but now spends the majority of his time creating, improving, and writing about the spreadsheet templates that are being used by millions of people and businesses all over the world. View Jon’s Vertex42.com Profile.

12 Principles of Personal Finance

12 Principles of Personal Finance

One way to know if you want to follow a blog, listen to a talk-show, or even become someone’s friend, is to find out if the principles you want to live by match up with the other person. So, here is Vertex42’s list of personal finance principles. Update 10/27/2015: I’ve added the Principle of Sufficiency [...]

What is a Debt Snowflake?

Debt Snowflake

Snowflaking has surfaced as a new popular term related to debt reduction. I would like to take some time to explain what this means, and how you can add “snowflakes” using the Debt Reduction Calculator. Snowflaking is basically just a new term for an old concept: Making frequent, small, one-time extra payments towards your debt. [...]