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. …

Measuring improvement

Measuring for Change

By Kevin Gibbons A few weeks ago, I wrote about my experience purchasing a replacement for my trusty 2004 Saturn in the blog post: Being Savvy Means Knowing When To Be Flexible. After spending almost four weeks learning the features of my new 2015 Mustang, I think I’ve found my favorite: the Real-Time Gas Mileage display. The Mustang has this nice …

roasted meat over easter table

I Saved $55.83

By Melissa Tosetti One of the strategies for Savvy Living is to time your purchases with sales cycles as well as seasonal sales. I typically save 20% – 25% on almost all of my groceries by basing my purchases on the weekly sales which are typically on a 6 week sales cycle – anything that regularly goes on sale does …

Goldfish

Does Your Paycheck Suffer From Goldfish Syndrome?

By Melissa Tosetti Over the past seven years, I’ve worked with clients who make $60,000 a year and regularly contribute to their 401k as well as build healthy savings accounts.  They’re able to go on vacation and purchase what they want and need. I’ve also worked with clients making $600,000 a year who live paycheck to paycheck. What’s the difference?  …

Spring Clothes

Savvy Shopping for April

By Melissa Tosetti One of the keys to living a savvy life is smart spending.  From groceries and clothes to household items and cars, the simple habit of timing your purchases with seasonal sales can help you save significantly. For the month of April, some of the best buys you’ll come across include: Vacuum Cleaners Although some of the lowest …

Small Pantry

Take The Pantry Challenge!

By Melissa Tosetti We challenge you to find out how long you can eat using only the items already in your refrigerator, freezer and pantry (outside of purchasing fresh milk, eggs and produce). Often, we get into the mode that a well-stocked pantry needs to be static. Everything in your pantry should be consumed within three months. That is money …

Book Summer Travel

Summer Travel – Book Now!

By Melissa Tosetti While the snow piles up and the rain comes down, it’s likely you’re thinking about your next vacation. Beyond today’s weather, there’s another reason to ponder your next trip – NOW is the ideal time to start looking for those summer travel deals. Giving yourself plenty of time to watch airfare, cruise and travel package prices affords …

clock with sticker on it with words Tax Time

Taxes – Drip or Dread?

By Melissa Tosetti & Kevin Gibbons Would you rather break down your Tax-To-Do-List doing a little bit at a time over the course of a few days or… dread doing it for the next 11 weeks, wait until the last minute and then scramble to get it done? One of the reasons we procrastinate when it comes to preparing our …