The Average vs. The Savvy Person

By Melissa Tosetti I find it romantic to believe that money isn’t important.  How wonderful would it be to live life without being burdened by monetary details?  But the truth is, money affects every aspect of our lives.  It affects how we dress, where we live, what we eat and how we spend our free time.  It affects our emotions …

Adding Hours To Your Weekend

By Melissa Tosetti Give yourself an opportunity to get the maximum benefit from your days off by taking care of those not-so-fun errands during the week. A few of the to-dos you can knock out before Saturday include: Buy your weekend groceries. Go to the nursery or hardware store for those projects you’re planning to do. Go by the library …

The Family CFO is Not the Bad Guy

By Melissa Tosetti Our homes are like mini corporations. You have incomes from jobs and investments. You have expenses such as your mortgage and utility bills.  You purchase supplies such as food and toiletries. Two decades ago, the average household could pay their bills by writing four or five checks.  Now, the average household has over 20 monthly bills.  Their …

When to Tap Your Emergency Fund

By Melissa Tosetti   What’s a financial emergency? When we create Spending Plans for clients, we do our best to include their anticipated expenditures throughout the year – everything from the expense of preparing their taxes to auto repairs and maintenance.  The goal is to have money set aside in anticipation of those expenses.  To an extent, you could consider …

Back to School is the Catalyst to Reboot

By Kevin Gibbons It’s August and the Back to School ads are in full force. Stores are quick to point out that Back to School isn’t just for students. That parents and professionals can stock up on office and school supplies at the same time as new and returning students. But there are other ways all of us can benefit …

Summer Plans

How Are Your Summer Plans Holding Up?

By Kevin Gibbons We are now at the middle of summer. Actually, we are probably past the middle. Back when I was in school, we didn’t start the school year until after Labor Day; but now school starts in mid-August, so we are past the midpoint for many families. So, how are you doing on your summer plans? I had …

Sunday Morning Amazon Shopping Ritual

By Melissa Tosetti Last year I worked with a professor at a prominent university.  At the time he was working on a project outside of his work for the school. As part of his research, he ordered a lot of books on Amazon and realized he was spending $100 – $200 a week.  He decided to cut back on the …

Retirement Spending, Spending, Retirement, Financial Advisor, Spending Plan

Retirement Spending – Just Not All At Once

A Case Study by Melissa Tosetti The first year of retirement offers the majority of people more time and more money than they’ve ever had before. For Doug and his wife Suzanne, retirement came after a grueling final year of working for a government organization during a particular volatile-news covered crisis. The days were long and the breaks were few and far …

Family of Five – Saved $14,400/year

A Case Study by Melissa Tosetti Sarah was looking forward to going back to work after years of staying home with her three young children. She and her husband Stephen were eager for the extra income to get off the cycle they’d been in for the last few years of putting summer vacations and the holidays on their credit cards, paying …

Groceries – Where to Shop?

By Melissa Tosetti I won’t drive cross-town to save $.10 on a can of corn, but I do find it worth my time to shop at two separate stores each week for my groceries and household supplies. I start by going to Safeway to take advantage of their great sales.  I then alternate going to Costco and Trader Joe’s. There …