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If It Wasn’t On Sale…

I was on a call with a client in Atlanta today and she told me a financial rule of thumb I had never heard before. She said that years ago she heard fashion designer Isaac Mizrahi interviewed and he advised that when thinking about purchasing a clothing item, ask yourself, “If it wasn’t on sale, would I buy it?” She …

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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 …

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Time is Worth More Than Money

I’m taking the weekend off! I mean, really off. No chores. No errands. No must dos. It’s a weekend based only on want-to-dos. One of the greatest lessons I’ve learned in the last few years is that time is more valuable than money. You can always earn more money, but time is a finite resource. I’ve also learned that if …

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New Strategy to Curb Impulse Shopping

This afternoon I was on a client call with Lucie C. in Atlanta, GA. As we finished going through her expenses she told me about how she is trying to stop spending money on things she doesn’t need. After our Introductory Call about a week ago, she realized that much of her spending was out of habit, rather than really …

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Savvy in Canada

I recently received an email from Wendy S. who lives in Canada. She wrote to tell me about some of the savvy money habits she already has in place as well as some of the tips she has been taking from Living The Savvy Life. Wendy was kind enough to give me permission to share her email: Hi Melissa, I …

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Sunday Morning Money Saving Ritual

I just wrapped up one of my favorite time and money saving habits. Every Sunday morning I savor a fresh cup of coffee while perusing the weekly sales ads. As I go through the ads, I compare what’s on sale to what I have listed in my Spending Book. A Spending Book is a small notebook I keep with me …

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Although They Looked Rich….

I remember the first time I taught a Savvy Living class at Chabot College – it opened my eyes. I walked into the classroom expecting a student body made up of young women just starting out in their careers. I was shocked to discover that half of the women in attendance were in their late 40’s and mid 50’s, earning …

The Original Savvy Woman

The Original Savvy Woman!

During a radio interview yesterday, I was asked about the savvy lessons I learned from my grandmother. The question was prompted by the fact that I mention her quite a few times in Living The Savvy Life. Today is her 88th birthday and if I look half as good as she does on my 44th birthday, I’ll be grateful! Going …