Spring CLeaning 1

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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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 …

Be grateful for what you have

Strive, But Be Thankful

By Melissa Tosetti Often while we work toward goals, we become dissatisfied with our current situation. It’s understandable, but if you’re always striving toward your goals, it’s so easy to be in a constant state of dissatisfaction.  That’s a miserable way to live!  So, what do you do? A key component to savvy living is to appreciate and take care …

Closeup of a personal calendar setting an important date representing a time schedule.
 The words Deadline written on a white notebook to remind you an important appointment.

You Have to MAKE the Time

By Melissa Tosetti There will never be enough time. There will never be enough time to do the tasks we don’t want to do, such as canceling an automatic payment for a service we’re no longer using.  Somehow, we always find a way to be too busy to get it done. But, if I’ve learned anything in the last eight …

Marketing Stores

Understanding How Stores Market To You Can Change How You Shop

By Kevin Gibbons Most of us have noticed certain features about the stores we shop at. The grocery store puts the sugared cereals at 6-year old eye level, checkout stands have candy, gum and sodas nearby, the latest clothing fashions are front and center in the department store. In our Savvy Shopping webinar, we point out that grocery stores invariably …

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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 …