Snow Trip

Giving the Experience for the Holidays

By Kevin Gibbons, Melissa Tosetti, my partner at The Savvy Life, and I are blessed with many close friends. Over the years, this very tight-knit group has grown from about 10 to as much as 20. When this group first formed, gift-giving was a big part of it. With birthdays occurring almost every month, we were all in constant “perfect …

Room with a View

A Room With A View

By Melissa Tosetti In 1987, my senior year of high school, I went on a first date with someone who took me to the Tower Theater in Fresno, CA to see a movie I’d never heard of called A Room With A View. The experience was impactful.  That was the night I fell in love with costume dramas and what …

Dante's BackPack3

Money Lessons in a Backpack

By Melissa Tosetti When my 10 year old son Dante was getting ready to go into kindergarten, my mom went a little nutty buying him school supplies.  When she handed over the bags of provisions, I joked that she bought enough to get him through college! Among the notebooks, pencils and glue sticks was a sturdy red and black backpack …

SONY DSC

Melissa, where were you when I needed you?

The article below is actually an email I received from my client James in Houston, TX. It’s hilariously educational. Enjoy! – Melissa  By James H. I love bacon. However it always leaves an odor in your house when you make it. And, I make it the old fashion way, on the skillet. To combat the odor, I light candles around …

Resourceful

Savvy = Resourceful

By Melissa Tosetti I confess that I totally and completely threw my husband Paul under the bus. About six weeks ago, my son Dante’s teacher told me her 4th grade class was going to do a play and asked if I would have an interest/ability in creating the set for the play which was based on the California Gold Rush. …

Save for Home

Don’t Just “Save Money”

By Melissa Tosetti Saving money simply because it’s the right thing to do… for most people… just isn’t motivating.  I’m a personal finance expert and even I find myself unenthusiastic about the idea of saving for the sake of saving. However, saving for an inspiring goal is a completely different story! Last week I received this note from one of …

Bonus text with a person holding a pen

The Great Bonus Execution

By Melissa Tosetti “You’ll be so proud of us. I got a nice bonus and paid off credit cards (and I got a mini fridge lol).” This was the message I received via Facebook from Jaimee, a recent client. For some, paying off credit card debt may seem like an obvious thing to do with a bonus, but for most …

Tea Cup

What Are You Saving It For?

By Melissa Tosetti Everyone loved my grandmother.  She was one of those people that made each individual feel special. It was her gift. A few years ago, as she became less mobile and the need for more caregiving paraphernalia increased, my mom decided to clean out the hall closet for the much needed storage. Almost everything in the closet was …

Falling credit cards

Harvard Confirms Savvy Life Strategy

By Kevin Gibbons For the past six years, we’ve used the “snowball” approach in helping clients create a plan to pay down their credit card debt. In this method: You pay the minimum required on all your debts, except for the one with the lowest balance. For that one, you pay as much as you can on top of the …