Jet Lag: A Holiday Lesson

It’s 3:50 am. My alarm isn’t supposed to go off for another 2 hours and 10 minutes, but here I am, showered and two cups of coffee into my Tuesday. I’m assuming it’s jet lag. We got back from Italy less than 48 hours ago. I promise an account and review of our Groupon adventure in the coming days, but …

My Afternoon With Oprah

OK, Oprah and 3,999 other people. Last week I attended a conference hosted by QuickBooks and Oprah was the keynote speaker. I counted six different times during her presentation that I choked up as well as two personal and business revelations. MAN, that woman is a powerful presence! As hoped for, she touched on two topics that are near and …

The Grand Canal

Tosetti Family Adventures

In November, Paul, Dante and I are going to Italy! We chose to go in November rather than during the summer because Paul and I hate crowds. We also hate the heat and in keeping with the savvy theme of our lives, Italy is so much more affordable in the off season. I booked our trip via Groupon and am …

Woman with Coffee

Difference Between a Spending Plan & Budget

Last Thursday I presented a brand new workshop in Wichita, KS titled Your Spending Plan. Attendees were asked to bring a list of their monthly and annual expenses as well as their income. During the course of the workshop, I showed them, like the title of the event states, how to create their own Spending Plan. I also showed them …

American Pickers

The Power of Smalls

Yesterday I was on the phone with clients in Texas. They’re both professionals in their industry and they have two children in high school. The focus of yesterday’s call was on how to save time and money at the grocery store. I asked them to tell me about their current routine. They have one excellent habit already in place which …

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 …

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 …

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 …

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 …

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 …