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 …

3D 5%

The 5% Challenge

By Melissa Tosetti Is “Save Money” on your list of New Year’s Resolutions? In our experience of working with clients, those who have the most success when it comes to saving money have done so by setting and achieving incremental goals. One of the reasons our money saving resolutions fail is because we try to do too much at once. …

List of 2017 goals on notepad, vintage style.

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 …

Black purse with money in woman`s hand

The Cash Challenge

When was the last time you used cash to make a purchase? The advances in banking technology have made our lives so much easier.  But an unfortunate side effect is that it has emotionally distanced us from our money.  It’s so much easier to swipe a card than to physically pull cash out of our wallet. With this in mind, we challenge you to use only cash …

Goldfish

Does Your Paycheck Suffer From Goldfish Syndrome?

By Melissa Tosetti Over the past six 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?  …

David Lee shops at a Costco Wholesale store in May in Portland, Ore. The national chain is opening a store Friday in Pittsfield Township. AP Photo | Rick Bowmer

In and Out of Costco for Less Than Your Car Payment

By Melissa Tosetti I love Costco!  By hitting the big box store every other week, I save at least 30 – 40% on my grocery bill. Just a few of the items on our family’s list of Costco staples include: Eggs Butter Cheese Coffee Hamburger Frozen Chicken Breasts Broccoli Carrots Chocolate Chips Vegetable Oil Not only am I able to …

One Percent at a Time

One of the goals of Savvy Living is to: Save 20% and spend the rest with abandon. Keeping in mind that the average savings rate in the U.S. shifts from 3.7% – 4.9% getting to that 20% goal may feel like an overwhelming task… but it can be achieved! The trick is to get there 1% at a time. First …