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 …

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, …

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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 …

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 …

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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. …