The Domino Effect

By Melissa Tosetti It’s a common phenomenon that a sink full of dirty dishes is a catalyst for ordering takeout. The thought of having to wash the dishes before ever getting started on dinner is understandably discouraging. That same type of procrastination can be found when it comes to tracking your spending and paying bills. A cluttered, messy desk is …

Does Your Stimulus Check Need a Triage?

By Kevin Gibbons Some people are checking their bank accounts every day, looking for the COVID Stimulus check from the IRS so they can pay their rent, buy groceries, or keep their utilities on. Others are looking to pay down their credit card balances or other debts that may have increased during the past four months. Some may be sitting …

You’re Not Alone

By Melissa Tosetti We’re taught NOT to talk about money. We’re taught that talking about money is impolite.  That it’s gauche. Unfortunately, this “training” of manners can make us feel that we are the only ones struggling with our finances.   This can create a paralyzing embarrassment preventing us from seeking help. Compounding the issue is a handful of personal finance …

What Are You Saving It For?

By Melissa Tosetti Everyone loved my grandmother.  She was one of those people that made each individual feel special. It was her gift. A few years ago, as she became less mobile and the need for more caregiving paraphernalia increased, my mom decided to clean out the hall closet for the much needed storage. Almost everything in the closet was …

The Perils of Retroactive Living

By Kevin Gibbons Retroactive living can be frustrating if not downright dangerous! No, I’m not talking about your favorite historical re-enactment, or even wanting to wear Victorian clothing all the time. Retroactive living is falling into the trap of continuously paying for last month’s (or last year’s) experience long after it happened. It is the typical way most people use …

Are You EVER Going to Do That?

By Melissa Tosetti What haven’t you done with all your free time? As I type this, we’re on day 14 of our shelter-in-place order here in the San Francisco Bay Area.  I’ve been hanging out on social media relating to hilarious memes about all the things we’ve previously said we don’t have the time to do, that we now realize …

The Gatekeeper Habit

By Melissa Tosetti There’s a tremendous amount of uncertainty in our society right now.  That uncertainty can easily spiral into fear due to our inability to control so much of our environment.  Fear can trigger us into negative decisions. A gift you can give yourself right now is to shift your focus to what you can control, starting with your …

Is it Time for Slow Living?

By Melissa Tosetti When I wrote this article 9 weeks ago, I never imagined we’d be forced into a temporary state of slow living. But since we are, it’s a perfect opportunity to think about what changes you can potentially make to your pace of life once everything gets back to “normal”. Are we reverting to an Industrial Revolution lifestyle? …

Cowboy Money Lessons

I still love telling people that my dad was 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 …

Don’t Just “Save Money”

By Melissa Tosetti Saving money simply because it’s the right thing to do… for most people… just isn’t motivating.  I’m a personal finance expert and even I find myself unenthusiastic about the idea of saving for the sake of saving. However, saving for an inspiring goal is a completely different story! A few years ago, I received this note from …