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Smart Spending - Memorial Day Sales PDF Print E-mail

By Melissa Tosetti

Memorial Day is the unofficial kickoff to summer and the sales will be in full force!  It's an excellent opportunity to take advantage of the deep discounts and stock up.
Memorial Day, the 4th of July and Labor Day are the best weekends to purchase:
  • Condiments such as ketchup, mustard and mayonnaise.
  • Hamburger and hot dog as well as buns.  All of which can be frozen. 
  • Soda will also be listed at some of the best prices of the year.
If your wardrobe needs an infusion of warm weather clothes, there will be plenty of discounts offered over the holiday weekend.  Although the best prices for summer clothes will be after the 4th of July, this weekend you can still get great deals and the shelves will be fully stocked.
BBQ & Patio
If you’re in the market for a big ticket items such as grills and patio furniture, this is the weekend to shop.  Like clothes, the prices will fall even more after the 4th of July, but if you have something specific in mind, grab it now before it’s too late. 
First Thing In The Morning PDF Print E-mail
By Melissa Tosetti
On Monday, I posted a Track Your Spending Challenge.  The goal is to track your spending for just one week. 
One of the most important lessons I've learned about tracking my spending is that if I don't do it first thing in the morning, my instinct to procrastinate will kick in and get stronger and stronger as the day goes along. 
So, I track my previous day's spending as soon as I boot up my computer.  It takes me three minutes or less and I'm done for the day.
Try putting a note next to your computer to remind you to do it first thing tomorrow morning and see how good it feels to get it done and get on with your day.
Track Your Spending - Challenge PDF Print E-mail
By Melissa Tosetti
Tracking spending is the number one way to take control of your money.  It's not a new concept, but one we have a tendency to avoid.

Your challenge is to track your spending for just one week.  That's it!  Starting from the moment you read this, track your spending for seven days.

If you already have Quicken or Mint, now is the time to put them back in action.  Don't worry about catching up and entering your expenses for the last few weeks or months.  Just start with your next expenditure.  

Don't have Quicken or MInt?  You can use an Excel spreadsheet, the register that came with your checks or a piece of paper.  Again, keep it simple!  The easier you make the process, the more likely you'll succeed in the challenge.   

If you have questions about the challenge, you can call me at 650-299-1500 or send an email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it
- Good luck! 
Used Items - Good Buys PDF Print E-mail
By Melissa Tosetti
Kiplinger.com is one of my favorite resources for financial guidance.  As I was reading through it this morning, I found an article on the 12 Things You Should Buy Used.
While the majority of the items listed are common sense, there were a few that surprised me including formal wear and kid's bikes.  I would also add children's clothes to the list - especially play clothes!  
Review Your Credit Card Statement PDF Print E-mail
By Melissa Tosetti
One of the most important money saving habits you can adopt is to review your credit card statement each month.  

Back in July, I was charged $95 to renew a subscription for anti-virus protection on a computer I know longer own.  I immediately called the company and asked them to reverse the charge. 

Had I not noticed the charge, I would have blindly paid it, quite possibly for years to come as it was an annual subscription. I can think of many more things I would prefer to spend that $95 on! 

A much more impactful example of how crucial it is to review your credit card statements came at the expense of one of my clients in Virginia.  When we started working together, she discovered that she had been paying $200 a month for a personal trainer that she hadn't seen in two years.  That mistake cost her $4,800!

When your credit card bill arrives, invest the two minutes it takes to review the statement and make sure you're getting billed appropriately.
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