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Groceries – Where to Shop?

By Melissa Tosetti I won’t drive cross-town to save $.10 on a can of corn, but I do find it worth my time to shop at two separate stores each week for my groceries and household supplies. I start by going to Safeway to take advantage of their great sales.  I then alternate going to Costco and Trader Joe’s. There …

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Celebrity Stylists Do It. So Can You!

By Melissa Tosetti The majority of celebrities work with a stylist to ensure they look fabulous for red carpet and other special events.  Stylists plan far in advance to find the right outfit for their client.  You can implement the same strategy for your next special occasion by planning in advance. At the beginning of each month, check your calendar …

20 Year Sprint

3 Tactics to Avoid the 20 Year Sprint

By Melissa Tosetti We live ridiculously busy lives!  I mean, RIDICULOUS! I used to think it was just those of us living here in Silicon Valley and the surrounding San Francisco Bay Area.  However, after working with clients all over the country, I’ve learned that the frenetic pace of life isn’t confined to Northern California. I’ve come to realize this …

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Financial Spring Cleaning

By Kevin Gibbons With spring bursting out (or imminent) across the country, now is the time for Spring Cleaning. But I’m not just talking about shaking our carpets, putting away comforters and storm windows. While you’re performing all those traditional seasonal rituals, set aside some time for financial spring cleaning. Now is the time to go through your routine, recurring …

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Swipe – Go – Not Know

By Melissa Tosetti You walk out of the store with your newly purchased item, thinking about everything you need to do when you get home.  Suddenly you realize that you have absolutely no idea how much money you just spent. Once again, you stood at the checkout counter, mindlessly swiped your card, grabbed your items and walked out the door. …

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The Savvy Way to use Your Tax Refund

By Kevin Gibbons Is it possible to have fun with your tax refund and still be financially responsible? One of the Savvy Habits we teach in our book and webinars is The 50/50 Rule. The 50/50 Rule states that whenever you get windfall income, whether from a tax refund, a work bonus, a gift, or finding cash on the sidewalk, …

Chaos Money Management

Developing Money Management Habits in the Face of Chaos

By Melissa Tosetti Having worked with so many clients over the years I’ve noticed various patterns. Employees, miserable in their jobs, often decompress during their lunch hour by shopping on Amazon. However, C-Level executives miserable in their jobs, or at least highly stressed, do their Amazon decompression shopping using their phones, while laying in bed in the middle of the …

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Mastering Cooking Through Basic Dishes

By Kevin Gibbons Some people enjoy cooking. Some people find it no more than the necessary chore to keep their family alive. I love cooking, creating and trying new recipes, trying to copy my favorite restaurant dishes, or just thinking up new twists on classic dishes. But even I sometimes don’t have the time or inclination to dive into a …

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Building Your Emergency Fund

By Kevin Gibbons Now that the thrill and excitement of the New Year has had a chance to ebb, it’s a good time to think about your Emergency Fund. Almost every financial advisor and planner recommends that you have an emergency fund so you can pay for unexpected expenses without having to go into debt or experience hardship. Different people …

Resolutions for the 2018 concepts

Resolving with Purpose

By Kevin Gibbons If you started the new year by making resolutions, you’re in good company.  Forty five percent of Americans usually make resolutions.*  But what kind of resolutions are you making this year? While it’s easy to make generalized statements (“I’ll exercise more,” “I’ll save more money”), you will have more success if you choose specific accomplishments. If you …