You Have the Time…

By Melissa Tosetti The most common excuse for not taking care of critical financial tasks is that we don’t have enough time. Bull snot! The truth is that there are just so many other things that we’d rather be doing. There’s a famous saying that, if you really want to do something you’ll find away.  If you really don’t, you’ll …

Stop & Think

By Melissa Tosetti ACK!  I have to buy a wheelbarrow! Before becoming “Savvy”, that would have been my initial thought when 20 cubic yards of woodchips were dumped in front of my house for a landscape project. You see, they were supposed to be placed in our driveway, so I could spend a few weekends leisurely distributing them throughout my …

Grocery Confession

By Melissa Tosetti I’ve long been an advocate of weekly grocery shopping.  In fact, one of the keystone habits of Savvy Living is to actually put the critical errand on your calendar.  Instead of you trying to fit it in among a constantly moving list of meetings and appointments, you schedule everything else around it. About six months ago, I …

Housekeeping & Your Bank Account

By Melissa Tosetti For many years, I couldn’t relax in my own home.  It was so cluttered that I always felt on edge.  Each room was a visual reminder of all the cleaning and organizing that I needed to do – cleaning and organizing that was never finished.  I continuously felt my energy being drained away and my stress and …

The 3% Buffer

By Melissa Tosetti It’s impossible to plan for every single little expense.  Or is it? My stepmom Linda was a fiscal analyst for a school district until she retired.  Many years ago, she asked me if we used a 3% reserve/buffer in our Spending Plans for clients.  I answered her question by the “deer in headlights” look on my face. …

Time Travel & Your Money

By Melissa Tosetti “My Past Self screwed my Future Self’.  This was one of the first statements a client told me when we started working together a few years ago. I laughed out loud at the time, but the sentiment of it has stuck with me.  Since working with that client, I started doing things for Future Melissa and thanking …

The Chicken Salad Habit

By Melissa Tosetti The title I would have preferred to use is: “Lessons I Learned From My Grandmother About Always Having Something In The Fridge To Easily Eat.”  Sadly, that title was far too long. Instead, I went with a habit the Tosetti Family has adopted based on the lessons I learned from Grams stemming from her days of having …

I’m Still Learning How to Adult…

By Kevin Gibbons I am embarrassed to admit that I finally learned something about tax preparation, after more than twenty years. For years, my wife and I had our taxes done by a major national tax service. For years, we received a significant federal refund and had to pay a significant amount on our state (California) taxes. We always claimed …

My Cookbook

By Melissa Tosetti At one time, I had recipes filed on my computer, bookmarked on my browser, in cookbooks tagged by dog-eared Post-it® Notes as well as random printed copies spread across the house.  Trying to find a specific one on a given day was never an easy task. On a visit to my mom about 4 years ago, I …

Marie Kondo – So Much More Than Tidying

By Melissa Tosetti I want to start this article by announcing that I was on the Marie Kondo Bandwagon when her book The Life Changing Magic of Tidying Up first came out.  Mom, thanks again for giving me a copy! If you’ve been watching Tidying Up with Marie Kondo on Netflix, you’ve witnessed just how much “stuff” in clothes, books …