Developing Money Management Habits in the Face of Chaos

By Melissa Tosetti Having worked with so many clients over the years I’ve noticed various patterns. Employees, miserable in their jobs, often decompress during their lunch hour by shopping on Amazon. However, C-Level executives miserable in their jobs, or at least highly stressed, do their Amazon decompression shopping using their phones, while laying in bed in the middle of the …

Which Comes First?

By Kevin Gibbons The foremost tenet of The Savvy Life is To Save on the Things that are not as Important to You so You can Spend on those Things that are Important. But how do you balance your income and your expenses? Do you lead the life you can afford, or do you strive to afford the life you …

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 …

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 …

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 …

Pay For or Do Yourself?

By Melissa Tosetti I’ve been told by many clients that before our first meeting, they were terrified I was going to tell them they have to give up their housekeeper. Rarely is that suggested. Why? Because for so many, coming home to a clean home is very important to them and it doesn’t make financial sense to do the work …

Run Your Kitchen Like a Restaurant

By Kevin Gibbons Many years ago, when I started going to restaurants a few notches above the local chain diners, I noticed something about the menus. There would be some number of entrees, maybe six or seven, usually a couple beef and fish, one or two chicken, and the obligatory vegetarian option (which was typically some sort of pasta dish …

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 …