Sprint or Marathon Shopping?

By Melissa Tosetti Don’t do it. Just, don’t do it. Marathon shopping trips that is. You know, those days when you leave your house and try to get all your shopping done in one day. Whether it’s clothes shopping or holiday gift buying, lengthy shopping excursions are almost always a bad idea. Why? When you’re trying to stick to a …

Triage Spending – A Success Story

By Melissa Tosetti Brad and Courtney recently moved back to the States after several years of living in England. While overseas, they lived on two very modest incomes. They reached out to us to create a Spending Plan once they were both working full time again. With the kids getting older, they try to balance enjoying life now while paying …

“Regular” Entertainment is Really a Mini-Vacation

by Kevin Gibbons When most of us plan our vacations, we take some time to figure out where we are going, when we are going there, what we will do once we get there, and how we can do it most cost-effectively. In fact, The Savvy Life offers a full webinar on just that topic, full of planning tips and …

Stop Washing Your Clothes!

By Melissa Tosetti “You should only wash your jeans once a month,” the stylist said. Wait… what? A few months ago, I gave a Savvy Wardrobe presentation at the Nordstrom in Santa Anita, CA.  The event was particularly cool because one of Nordstrom’s stylists followed my presentation. She’s the one that made the comment about not washing your high-end jeans …

Living on a Boat – Savvy Minimalism

By Kevin Gibbons We recently published an article describing the differences and similarities between Minimalism and Savvy Living. The takeaway is that Minimalism focuses on the escape of consumerism and maintaining just the essentials, while Savvy Living is about choosing where to spend your money based on what is important to you. We have a friend who has managed to …

Planning for Falling Down

By Kevin Gibbons We usually plan for success. No one plans for failure. But there is a difference between planning for the possibility of falling down in your journey and planning to fail. This idea can be useful in many areas of your life, but today, we will talk specifically about cooking and meal planning. With the holiday season rapidly …

Do You Need a Spending Plan?

By Melissa Tosetti When going to the grocery store or a place like Target, how many times have you swiped your card at the register, walked out to your car and realized that you have no idea how much you just paid for your purchase? As convenient as it’s made our lives, the advances in banking and technology over the …

How Much Beer Would It Take?

By Kevin Gibbons We’ve written before in our article Swipe – Go – Not Know about how hard it is to realize the value of the money we spend on our purchases. With the myriad ways available to us to buy products and services, it is so easy for the purchase price to be an abstraction, rather than related to …

The 5 Piece French Wardrobe

By Melissa Tosetti The concept of building a wardrobe vs. just buying clothes began for me years ago, when I was working on overhauling my own financial life. I was reading everything I could get my hands on about smart spending in all the different areas of my life. That’s when, I stumbled on a book called Entres Nous The …

A Shift in Money Mindset

A Case Study by Melissa Tosetti Sometimes, retirement happens to you. Last year, Ellen was released from her work at Macy’s – a job she thoroughly enjoyed and wasn’t mentally ready to retire from yet. While she had money set aside for a comfortable retirement, she had to make sure her spending habits didn’t threaten that foundation. You see, Ellen loves …