The Savvy Life
Inspiration in Vienna PDF Print E-mail
By Melissa Tosetti
At last night’s Living The Savvy Life presentation in Vienna, VA I met an inspiring character.  After I was done speaking he came up to tell me about how in 1984, his company was bought out by another. Previously, he’d been making $350 a paycheck. The new company bumped up his salary to over $500 a paycheck. 
He went on to tell me that an investment consultant came in and told him and his coworkers, “Ok you guys. You’re never going to get an opportunity like this again. Don’t screw this up!” The rep then explained the various retirement-type programs available. My new friend told me how he immediately put all of his pay raise toward his retirement and how it was the smartest move he’s ever made. 
When his company downsized him a few years earlier than he was hoping to retire, it wasn’t a financial crisis. In fact, because of the smart money move he made back in 1984, he was more than fine.
The next time you get a bump up in salary, whether it's a big bump or a little one, consider taking a cue from my friend and putting the increase toward your retirement or other wealth building accounts.
Hello Virginia PDF Print E-mail
By Melissa Tosetti
I'm on my way to Virginia for three speaking engagements which will take me to three corners of the state.  I'm really looking forward to seeing the area. 
I'm also looking forward to paying non-California gas prices.  That always makes me happy!
Attitude Adjustment PDF Print E-mail
Your attitude about managing your finances will directly impact your willingness to do it.  Get excited that you're taking control of your finances and keep in mind all the different ways it will positively impact your life.
Storage Lessons From Tiny Homes PDF Print E-mail

By Melissa Tosetti

I've been a fan of small homes for a long time.  The movement toward smaller homes has gained steam, especially in the last year, with television shows about microscopic living cropping up across cable networks.

Just a few of the biggest perks include: 

  • A much smaller mortgage
  • Smaller utility bills
  • Less time cleaning

However, there are definitely challenges to tiny and small home living and storage space is the biggest one - especially when you, your husband and your 8 year old son are all book collectors. 

Tiny homes are loosely described as less than 1,000 square feet.  At 1,200 square feet, our home falls into the small category and storage is definitely a challenge.  In fact, one of our projects this spring is to cull through our attic and reorganize the space for better use.  Our more urgent projects are storage for Dante's room as well as my office.

There are a lot of lessons to learn regarding clever storage space from the tiny house movement and we've been paying close attention.  Today I stumbled on this article: 11 Lessons We Can Learn From AirBNB's Tiniest Homes.

My favorite lesson from the article is the use of vertical space.  It's a tip we can use, especially in Dante's bedroom!


The Power of False Deadlines PDF Print E-mail

By Melissa Tosetti
Last night at 6:34 pm, I finished the last of the tax preparations for The Savvy Life, my husband's martial arts school and our personal taxes.  I celebrated by binge watching episodes of Miss Fisher Murder Mysteries until 10:30 pm.
My goal was to finish my taxes by the Friday of President's Day weekend. I was frustrated by not meeting my deadline, but didn't let it ruin my weekend getaway because I knew I still had time.  I also knew that if I didn't give myself a new deadline, I'd wait until the last minute, stress out all the while and hurry through the paperwork to meet my accountant's deadline.
So, I reset my deadline for yesterday knowing that tonight Paul and I are going out to celebrate the anniversary of our first date and we also have fun plans for the rest of the weekend.  If I could get my tax prep done before dinner tonight, the evening and weekend would be even more enjoyable.
I'm not gonna lie... yesterday was a big push to get it all done, but I did it!
Next year I really want to hit that initial goal of handing everything over to my accountant before President's Day weekend.  Hopefuly, the new season of Miss Fisher will be out by then.

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