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Being in Control... PDF Print E-mail
Written by Melissa Tosetti   
Sunday, 10 August 2014 09:19

Famous Friends & Tiny Houses PDF Print E-mail
Written by Melissa Tosetti   
Friday, 08 August 2014 07:21
By Melissa Tosetti

Last night I was watching TV with Paul when I jumped up from the couch and yelled, "Oh my God, it's Kristen", a friend of mine who I met at an author's conference a few years ago.

Kristen and her husband lost there home during the devastating Colorado wildfire in 2012. She barely got out with her dogs.

Her story of rebuilding is amazing and one that is being shared on the new TV show Tiny House Nation which airs on the Wednesday, August 13th.

Kristen is an amazing person and worth watching for that factor alone. But, I'm also a big fan of the tiny house movement and the mindset of quality over quantity.

I'll be in Indiana on Wednesday for a speaking engagement, but have set my DVR to record the show so I can watch it when I get back.

Here is a clip of Kristen on the show... https://www.facebook.com/photo.php?v=439195649556325
It's a Lifestyle PDF Print E-mail
Written by Melissa Tosetti   
Sunday, 03 August 2014 00:00
What is Living The Savvy Life all about? Well, it’s about…
  • Knowing where you stand financially on a daily basis so you can make intelligent spending decisions.
  • Choosing to purchase only things you love and make you happy.
  • When you do go out to eat it’s because you want to go to that particular restaurant, not because you are too tired to cook or don’t have any groceries in the house.
  • Creating an environment in your home that is warm, comforting and expressive of who you are.
  • Having a wardrobe made entirely of clothes that fit and look great on you.
  • Enjoying your time off even more because you planned for it and know you can “afford it”.
  • It’s the idea of caring for your items once they transition from cash to possession to ensure your investment in them goes as far as possible.
Are you Living The Savvy Life right now? If not, take the first step toward Savvy Living by identifying just one area where you can take action:
  • You could start by tracking your spending on a daily basis.
  • Commit to cooking at home at least three nights a week.
  • Decide not to purchase any more clothes until you clean out your closet and see what you really need.
  • Or you could start spending just five minutes a day clearing out the clutter in your home until it's gone.
The Savvy Life isn't just about personal finance. It’s about living an intentional and a purposeful life.

Take The Cash Challenge PDF Print E-mail
Written by Melissa Tosetti   
Saturday, 02 August 2014 00:00

By Melissa Tosetti

The other day I had breakfast with my very savvy friend Carla.  She told me about a challenge she recently took on which included using only cash for seven days straight. 

Carla immediately began to think twice about purchases as she pulled cash instead of her debit or credit card out of her wallet.  By the seventh day, she had a completely new perspective on where she wanted to spend her money.

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, as Carla experienced.

Let's put a twist on Carla's Cash Challenge and use only cash when making discretionary purchases for one pay period.   

When you receive your next paycheck, start the challenge by figuring out how much discretionary income you have left over after paying all of your bills, filling your gas tank and buying groceries - then withdraw that amount from the bank.
As you go about your days, use only that cash when going to the movies, dining out or purchasing non-necessary items.
Your goal is to still have cash left in your wallet, even if it is just $1.00, when your next paycheck arrives. With the right attitude, this can be a very fun challenge.

Keeping your fun money separate from your regular living expenses is an excellent habit to help you avoid overspending. 

Tell us about your Cash Challenge experience by sending an email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it .  Your story might get published.


Cowboy Money Lessons PDF Print E-mail
Written by Melissa Tosetti   
Sunday, 15 June 2014 07:06
By Melissa Tosetti
I still love telling people that my dad is a cowboy.  It’s up there with astronaut!
Growing up, I learned fantastic life lessons from him through our love of horses and the cowboy life. Many of those lessons transcend to savvy living including:
  • Put your tack away when you’re done or it will get ruined = Take care of my possessions so I don’t have to spend money on replacing them.
  • From my grandmother and my dad I learned to feed the animals first because they can’t feed themselves = I equate that to pay yourself first because money won’t save itself (unless you set it up to do automatically).
The greatest lesson I learned from my dad is perseverance. Perseverance often comes up when I’m talking to clients who, in the past, have become frustrated with their finances because they’ve tried saving, but ended up getting thrown off for one reason or another. So, they get into a mindset that they’re not good with money and give up trying to save at all.   
When I was 12 years old, my dad and I were at a rodeo together and while team roping, his thumb was cut off. It was a pretty traumatic ordeal, but my dad has a great sense of humor and so the jokes began to fly about only being able to hitch hike one-way, etc.  
Despite being in the hospital for almost a month due to health complications, he went right back to team roping when he was cleared by the doctors.
About 6 years later, he lost his other thumb while roping. With great doctors in place and being in much better health, they were able to save it and very soon, he was right back up on the horse.
When I was around 21, I got a call that he was in the emergency room. While roping, he had lost the thumb they replaced six years ago.
My father is in a very small category of individuals who can say that they lost three thumbs. 
After what most people would have been devastated by, he took it in stride, and with a few more jokes went right back to roping. He went back to roping because it’s a sport he loves so much. In fact, it wasn’t until about six months ago that he finally decided it was time to sell his horses.   
The moral of the story is, if he gave up after that first thumb, he would have lost 33 years of doing something he loves. If he gave up after the second thumb, he would have lost 27 years and the third thumb, 24 years! 
In terms of managing your money - it takes practice. The more you do it, the better you get. Don’t get frustrated and think you’re not a good saver. Keep trying and play with different strategies. Instead of jumping in and trying to save 10% of your income, start by trying to save just 1%. When you’ve successfully done that for a few months, bump up your savings by another 1% and so on until you’ve reached your savings goals. 
I’ve learned that good money habits come by building on small successes. Give it a try! At least there’s no appendages at risk! 
Me and my dad on a cattle drive in 2012.
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