How to Actually Enjoy the Holidays

By Kevin Gibbons & Melissa Tosetti Too often we focus so much on what it takes to make the holidays happen for others that we neglect to think about how to enjoy the holidays ourselves.  With that in mind consider taking part in at least one of the following seasonal activities. Holiday TV Never underestimate the pleasure of watching holiday …

The Balancing Act of Being Grateful

By Kevin Gibbons & Melissa Tosetti Experts tell us we’re supposed to be thankful for what we have.  Experts also tell us we’re supposed to strive for what we want. Which expert is right? There’s a balancing act between being grateful for what you have and working toward achieving your goals.  Lean too heavily on one side and you become …

How Much Should You Spend On…

By Melissa Tosetti One of the most frequent questions I get asked is, “How much should I be spending on… dining out, groceries, clothes, entertainment, etc.” We, as humans, like easy answers and the Internet is filled with pie charts stating how much you should be spending on various categories from housing to entertainment. However, if everyone abided by those …

The Perils of Throwing Money at a Problem

By Kevin Gibbons Many people wish they had the luxury of throwing money at a problem, as they struggle every day to meet their basic needs. But for those people who have a bit more resources (and even those who do not), throwing money at a problem can be in itself problematic. The number-one cause of this situation is lack …

The Harm of Seasonal Creep

By Melissa Tosetti On August 10th I took a picture of Halloween costumes on sale at Costco.  Three days later, a display of Christmas ribbon appeared across the aisle. Seasonal creep is the practice of retailers introducing holiday themed merchandise or decorations LONG before the traditional start of the holiday shopping season. I have very few pet peeves, but seasonal creep is at the …

High Salaries Don’t Make You Rich

By Melissa Tosetti A high salary does not equate wealth. I pulled the line above from an article I came across titled: Why people who earn a lot of money still can’t pay the bills. The author, Steve Adcock, frankly confesses his own struggle and goes on to say: In fact, high salaries are deceptive. They make us feel rich, …

Spending Money to Save Money

By Kevin Gibbons I have to imagine that it’s not easy being married to a cash flow planning expert and financial educator. My wife Leta is always reassuring me that she is making “Savvy” purchases and that she is spending and saving wisely. Just like with our clients, sometimes I have to remind her that living a Savvy Life means …

4 Tools to Avoid Retail Shopping Traps

By Kevin Gibbons Have you noticed that there are some retailers, brick and mortar or on-line, where it is easy to go in, pick your items, make your purchase and leave, while other stores seem to suck you in, not releasing you until you’ve spent two weeks’ salary? Did you ever wonder why you can get in and out of …

Measuring for Change

By Kevin Gibbons A few years ago, I wrote about my experience purchasing a replacement for my trusty 2004 Saturn in the blog post: Being Savvy Means Knowing When To Be Flexible. After spending almost four weeks learning the features of my new 2015 Mustang, I’d found my favorite: the Real-Time Gas Mileage display. The Mustang has this nice graphical display …

Shop For Life

Last week I read a quote about clothes shopping that has stuck with me: Shop for life, not an event. How many times have you gone shopping for an item to wear to a particular event and ended up using it just the one time? Not only does it feel like a waste of money, but it becomes a waste …