adorable syrian hamster on a bicycle

Getting Off The Credit Card Hamster Wheel

By Melissa Tosetti It seems impossible to get through life now without having to use a credit card at one point or another. It’s not safe to use a debit card for online purchases. If you rent a car or stay in a hotel using a debit card, those companies place a very large hold on your account which can …

Young happy family couple dreaming of future wealthy life

Money Affects Everything

Kevin Gibbons Money affects everything. It affects where we live, what we eat, how we dress and what we do with our free time. It affects what we can give back to our community.  What you spend in one area directly affects how much you have left to spend in the other areas of your life. But more than that, …

Emergency Kit

An Affordable Emergency Kit

By Melissa Tosetti Like so many others, I’ve been glued to Facebook over the past week and a half monitoring how my friends are faring with the floods in Houston and most recently, coping with the wildfires in the foothills of California. Of my friends, the worst suffered two feet of water in his home and the devastation of his …

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5 Insightful and Inspiring Articles on Spending

By Melissa Tosetti Over the last few weeks I’ve happily stumbled on several articles related to smart spending that were worth sharing. I hope you find them as inspiring as I did.   Lifestyles of the Rich & Frugal  By Budgets Are Sexy I love reading about others’ smart money habits and this article features a role model for Savvy …

Rosencrantz

Giving The Experience

By Kevin Gibbons I’ve known my friend Paul for 28 years. He’s is far and away my closest friend. He also has very eclectic interests and tastes. So finding a birthday present for him every year can be extremely challenging. Because of our shared interest in Historical European Martial Arts, in the past, I have given him books and even …

Retail

4 Tools to Avoid Retail Shopping Traps

By Kevin Gibbons Have you noticed that there are some retailers, brick and mortar or on-line, where it is easy to go in, pick your items, make your purchase and leave, while other stores seem to suck you in, not releasing you until you’ve spent two weeks’ salary? Did you ever wonder why you can get in and out of …

Notepad with pencil next to the tulips, coffee, and envelopes on wooden background. View from above with copy space

The #1 Tool for Purposeful Spending

By Melissa Tosetti  “How many times have you walked into a store like Target for toothpaste and walked out pushing a shopping cart?” This is the question I ask at the beginning of my presentations. Usually, before I even finish the sentence, hands shoot up and the room begins to laugh in “guilty” agreement. Don’t get me wrong.  I love Target! …

savings goals

How To Succeed With Multiple Savings Goals

By Kevin Gibbons When you are already saving for retirement and your children’s education, how do you save for that dream vacation? One of the main tenets of smart saving is “pay yourself first.” Most savvy people already practice this on a basic level, by setting up automatic transfers from a checking account or income stream to a retirement or …

leftovers

Money – The Best Kind of Leftover

By Melissa Tosetti If you follow the Golden Rule of personal finance, which is to spend less than you make, then at the end of each pay period, there should be leftovers. Unfortunately, as with the types of leftovers that lurk in refrigerators, financial leftovers too often get wasted. Instead of being tossed in the trash, they get spent mindlessly. …