Put All Your Recurring Expenses on One Credit Card

By Kevin Gibbons At The Savvy Life, we’ve talked about how complicated our finances have become in this age of technology. While we’re not advocating a return to fountain pens and double-entry ledgers, we do believe that everyone can use some help simplifying their financial systems. One of the approaches we have taken ourselves, and recommend to clients and readers …

Is it Time for Slow Living?

By Melissa Tosetti Are we reverting to an Industrial Revolution lifestyle? During that time, workers endured 14 to 16 hour days, six days a week.  Think about your work and life schedule.  Between long days at your job, killer commutes, the errands of any given day and social commitments, are you enduring the same? We may not necessarily be at our jobs …

What’s Your Carrot?

By Kevin Gibbons If it’s New Year’s, that means it’s time for many of us to make resolutions. Whether you’re looking to change a personal habit, learn a new skill, make a major life change or just improve at what you are already doing, identifying the best motivation is one of the keys to successfully completing that resolution. Part of …

Don’t Panic – Plan!

By Melissa Tosetti One of my greatest pet peeves about the holidays – outside of seasonal creep – is that in most households, the “burden” of making it all happen, typically falls on the shoulders of one person.  While everyone is humming along with carols and anticipating all the trimmings that go along with the celebration, the Holiday Giver is …

Holiday Triage

By Kevin Gibbons Christmas is just two weeks away and New Year’s Eve is right behind it. All of your carefully orchestrated plans for the perfect holiday are coming together and once again, everyone is going to have a joyous celebration at your house, with every last detail complete and executed according to the Master Schedule you put together back …

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 …