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 …

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 …

The 80/20 Rule – Lessons in Life

By Kevin Gibbons How many times have you heard different versions of the following? “Good Enough Isn’t Good Enough” “Perfect Practice Makes Perfect Performance” “’Good Enough for Government Work’ Explains Why the Government Doesn’t Work” Americans are obsessed with perfection. Whether it’s their children getting straight A’s, a 4.3 Grade Point Average (on a scale that is supposed to run …

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 Payday Habit

By Melissa Tosetti How much money can you spend? Asked in a different way – how much money can you safely spend without sacrificing your short-term goals such as travel and long term goals like retirement? We have financial obligations in our bills.  We’re supposed to be putting money into savings accounts for our goals, but there are things we …

The Forgotten Value of Mending

By Kevin Gibbons I stumbled across an article on dieworkwear.com about how we have lost our ability to mend clothes. There was a picture of Prince Charles in a suit, with a close-up of a repair under the suit pocket. If a member of England’s Royal Family can wear a patched coat, certainly, the rest of us can consider fixing …

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. …

There’s (not) an App for That…

By Kevin Gibbons We truly do live in a wonderful technological time. We have the world’s history and current information at our fingertips. We have videos and tutorials on virtually any subject instantly available. And we can access that information on our cell phones almost anywhere. We are rapidly approaching the point where it seems we don’t need experts for …

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 …