Sailboat

Living on a Boat – Savvy Minimalism

By Kevin Gibbons We recently published an article describing the differences and similarities between Minimalism and Savvy Living. The takeaway is that Minimalism focuses on the escape of consumerism and maintaining just the essentials, while Savvy Living is about choosing where to spend your money based on what is important to you. We have a friend who has managed to …

Tacos

Planning for Falling Down

By Kevin Gibbons We usually plan for success. No one plans for failure. But there is a difference between planning for the possibility of falling down in your journey and planning to fail. This idea can be useful in many areas of your life, but today, we will talk specifically about cooking and meal planning. With the holiday season rapidly …

Spending Plan Quote3

Do You Need a Spending Plan?

By Melissa Tosetti When going to the grocery store or a place like Target, how many times have you swiped your card at the register, walked out to your car and realized that you have no idea how much you just paid for your purchase? As convenient as it’s made our lives, the advances in banking and technology over the …

Beer

How Much Beer Would It Take?

By Kevin Gibbons We’ve written before in our article Swipe – Go – Not Know about how hard it is to realize the value of the money we spend on our purchases. With the myriad ways available to us to buy products and services, it is so easy for the purchase price to be an abstraction, rather than related to …

New 5 Piece French Wardrobe.jpeg

The 5 Piece French Wardrobe

By Melissa Tosetti The concept of building a wardrobe vs. just buying clothes began for me years ago, when I was working on overhauling my own financial life. I was reading everything I could get my hands on about smart spending in all the different areas of my life. That’s when, I stumbled on a book called Entres Nous The …

Shift in Money Mindset

A Shift in Money Mindset

A Case Study by Melissa Tosetti Sometimes, retirement happens to you. Last year, Ellen was released from her work at Macy’s – a job she thoroughly enjoyed and wasn’t mentally ready to retire from yet. While she had money set aside for a comfortable retirement, she had to make sure her spending habits didn’t threaten that foundation. You see, Ellen loves …

Book Cover

The Average vs. The Savvy Person

By Melissa Tosetti I find it romantic to believe that money isn’t important.  How wonderful would it be to live life without being burdened by monetary details?  But the truth is, money affects every aspect of our lives.  It affects how we dress, where we live, what we eat and how we spend our free time.  It affects our emotions …

Woman shopping for and looking at plants in garden center

Adding Hours To Your Weekend

By Melissa Tosetti Give yourself an opportunity to get the maximum benefit from your days off by taking care of those not-so-fun errands during the week. A few of the to-dos you can knock out before Saturday include: Buy your weekend groceries. Go to the nursery or hardware store for those projects you’re planning to do. Go by the library …

Hispanic couple and baby in home office

The Family CFO is Not the Bad Guy

By Melissa Tosetti Our homes are like mini corporations. You have incomes from jobs and investments. You have expenses such as your mortgage and utility bills.  You purchase supplies such as food and toiletries. Two decades ago, the average household could pay their bills by writing four or five checks.  Now, the average household has over 20 monthly bills.  Their …

Emergency Fund

When to Tap Your Emergency Fund

By Melissa Tosetti   What’s a financial emergency? When we create Spending Plans for clients, we do our best to include their anticipated expenditures throughout the year – everything from the expense of preparing their taxes to auto repairs and maintenance.  The goal is to have money set aside in anticipation of those expenses.  To an extent, you could consider …