Minimalism Flowers

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 …

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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

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 …

Bell Curve Photo

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 …

Yard Tools

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 …

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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

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 …

Perfect_Time

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.  …

Cutting the Cord

Cutting the Cable TV Cord

By Kevin Gibbons When I talk about the Savvy Life Philosophy – Saving on what’s not important to you so you can Spend on what is important to you – I usually use the example of foregoing a cable TV subscription in my house so my wife and I can have more money for travel. While the end result is …

Dining

New Year’s Resolution Success Stories

By Melissa Tosetti There are two topics we talk about at the beginning of any year: Making Resolutions and Breaking Them. It would seem no one is able to successfully make lasting changes. But, that’s not true. I work with clients on a daily basis who successfully transform their financial lives.  To honor and celebrate the fact that people do …