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 …

Travel The World

Savvy Summer Vacation

By Melissa Tosetti In your part of the country it may not feel like it, but the official start of summer is just three months away.  If you want to take advantage of those great travel deals, you have to act now! First, decide where you want to go.  Next, decide when you want to go.  Then, start doing research.  …

Groundhog

No Matter What The Groundhog Says…

By Melissa Tosetti No matter what the groundhog says on February 2nd when he peeps out of his hole amid the media frenzy, spring officially starts on March 20th at 6:29 pm EST. That means there are seven more weeks to use as an excuse to make delicious homemade soups, stews and winter type meals using your slow cooker. There’s …

Dining

How Often Should You Dine Out?

By Melissa Tosetti Our grandparents rarely, if ever, dined out. Our parents may have gone out to eat once or twice a month. Now, it’s easy to eat just about every meal outside the home.  Unfortunately, the cost of those meals quickly add up and because of the frequency, dining out is no longer a treat. One of the fastest …

happy young woman choosing clothes in mall

Shop For Life

Last week I read a quote about clothes shopping that has stuck with me: Shop for life, not an event. How many times have you gone shopping for an item to wear to a particular event and ended up using it just the one time? Not only does it feel like a waste of money, but it becomes a waste …

Clock over wooden background with fir tree and gift box

Gift Giving Insanity

I’m working with a couple in Massachusetts that have a very common money issue – gift giving. When I asked them to create a list of all the gifts they buy throughout the year, it came to 57!  That’s an average of almost 5 a month!  They have a large family and between the holidays, birthdays and special events like …

spend-smart-sticky

How To Change Your Spending Habits

Yesterday I posted a piece about being willing to save for an item if it’s what you really want, rather than buying a cheaper item by default. I posted a link to the article on Facebook where Cheryl Stafford Ferguson wrote the following comment: Don’t want the more expensive one just because it is more expensive. More expensive is not necessarily …