Halloween Was Saved

By Melissa Tosetti I confess that I am NOT a naturally born organized person and procrastination is heavily embedded in my DNA.  It’s a constant fight.  But years of getting bit by my bad habits have made me vigilant about combating my natural tendencies. In late September, we published in our weekly newsletter The List, the following task: Ready or …

A Thanksgiving Sanity Strategy

The preparation of the Thanksgiving meal is one of those things that can become overwhelming very, very quickly.  Even if you’re an experienced cook, the volume of dishes in a typical Thanksgiving meal is far more than what we cook on any given day. Like with much of Savvy Living, the key to a sane and enjoyable Thanksgiving is planning …

Minimalism vs. Savvy Living

By Melissa Tosetti Very often I post quotes related to Savvy Living on social media and by far, the ones that are most popular are associated with clutter.  More specifically, the burden of clutter and getting rid of it. Many of the quotes I post are based on the Minimalist movement.  If you’re not familiar with the term, “Minimalism,” Joshua …

Cowboy Money Lessons

I still love telling people that my dad is a cowboy. It’s up there with astronaut! Growing up, I learned fantastic life lessons from him through our love of horses and the cowboy life. Many of those lessons transcend to savvy living including: Put your tack away when you’re done or it will get ruined = Take care of my …

Target – An Epiphany

By Melissa Tosetti The epiphany came to me the moment my client said, “and there’s a Starbuck’s right there.”  She was talking about the diabolical marketing geniuses that go by the name of Target. The client I was speaking with is a doctor with three children.  Her husband is also in the medical profession.  There’s an understandable level of stress …

Spending & Your Financial Bell Curve

By Melissa Tosetti I first noticed the bell curve when my in-laws sold their house. They lived in a beautiful two-story home overlooking the San Francisco Bay for over 30 years.  In that time, they raised children, my father-in-law ran his liquor store and my mother-in-law became highly successful in real estate. When they decided to finally move full time …

Swap Buddies Make Projects Affordable

By Kevin Gibbons If you’ve ever tried to remove a gear with a hammer and screwdriver instead of a gearpuller, or hand-sewn a tablecloth hem instead of using a sewing machine, you know how important having the right tool for the job can be. I’ve written before how resourceful my father and his friends were at building and fixing things …

When Time Is Money

By Kevin Gibbons I loved my Dad. Among his many attributes, he was very much a “do-it-yourself” kind of guy. He did most of our home and car repairs himself. If he couldn’t do the work himself, he had friends, that together, could do just about anything, including putting on new roofs, building complete add-on rooms, putting up paneling, wallpaper, …

Jacob’s Money Story

By Melissa Tosetti My nephew Jacob joined the Navy last summer.  We’re all extremely proud of him! A few weeks ago, I received a message from him via Facebook, asking for advice.  He has signed up for a five year military commitment and from a financial standpoint, wants to make sure he uses the time wisely.  What he really wanted …

The Perfect Time Doesn’t Exist

By Melissa Tosetti I was talking with a client the other day as we compared the ridiculousness that has been our schedules the first few months of the year. For her, it was multiple business trips and caring for her children through their winter colds.  For me, it was one out of the ordinary task or event after the other.  …