Would you believe that I sit down, grab a piece of paper, pencil, and a ruler and just start working on a page? Cause that's what I do. Unless its part of a story arc in which I do layout ideas for several pages, I actually do the panels and drawings as I go along.
Basically once an idea of what the comic is focus on pops into my head, I immediately start drawing and then close off panels with the ruler as I continue on.
After everything is penciled, then I use Sakura Micron pens of various tip sizes to ink the panels, characters, and anything else if there is anything.
Next, I scan the comic page at around 600 dpi in black and white, open the page in MS Paint (Yes, I know...shocking, isn't it?).
I then zoom in real close and fill in parts like characters eyes and if they have lips/lipstick, draw those in carefully with my mouse.
Zoom back out, and use my character color charts to then fill in everything else. Shrink the page down to the scale Tapastic allows, and use the rectangle symbol in MS Paint to fix the panel borders up and DONE!