Getting Back on Track with Your Resolutions

By Kevin Gibbons We’re in the last week of January. That’s a good time to check how we are doing with our New Year’s Resolutions. Most behaviorists agree that 30 days is a good period for establishing a new habit. Whether you are on track or not, it is important to periodically check in. So, let’s talk about where we …

Spending Plans for All Incomes are Gaining in Popularity

By Kevin Gibbons Paul Sullivan recently wrote an article in the New York Times about how Merrill Lynch is helping rich clients budget “like everyone else.” Merrill Lynch’s Center for Family Wealth Dynamics and Governance is creating a document for wealthy clients entitled “Considerations for Decision-Making around Expenditures.” They have found that their wealthy clients are looking for help determining …

Marie Kondo – So Much More Than Tidying

By Melissa Tosetti I want to start this article by announcing that I was on the Marie Kondo Bandwagon when her book The Life Changing Magic of Tidying Up first came out.  Mom, thanks again for giving me a copy! If you’ve been watching Tidying Up with Marie Kondo on Netflix, you’ve witnessed just how much “stuff” in clothes, books …

The 9 Savvy Money Habits

By Melissa Tosetti Success lies in good habits.  If something is a habit, it’s routine and the repeat of that routine builds to success. Over the years of working with clients to help them turn their day-to-day financial situation around, we’ve identified nine habits that are key to start living and sustaining a Savvy lifestyle. While the majority of the …

Holiday Triage

By Kevin Gibbons Hanukkah ended on December 10. Christmas is just a few days away and in a little more than two weeks we’ll be celebrating  New Year’s Eve. 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 …

Schedule Time to Relax?

By Melissa Tosetti According to Facebook, the majority of my community is currently stressed out, exhausted or sick – and, as I type this, it’s only December 8th. During any given week, our calendars are packed with errands and must-dos on top of which we try to squeeze in our want-to-dos. In the last six weeks of the year we …

Grocery Delivery – Worth It?

By Melissa Tosetti One of the key habits of Savvy Living is getting to the grocery store on a weekly basis. But what if you’re schedule is so irregular that it’s impossible to put on your calendar, or you absolutely hate going to the grocery store? If either scenario applies to you, it may be worth having your groceries delivered. …

Sprint or Marathon Shopping?

By Melissa Tosetti Don’t do it. Just, don’t do it. Marathon shopping trips that is. You know, those days when you leave your house and try to get all your shopping done in one day. Whether it’s clothes shopping or holiday gift buying, lengthy shopping excursions are almost always a bad idea. Why? When you’re trying to stick to a …

Triage Spending – A Success Story

By Melissa Tosetti Brad and Courtney recently moved back to the States after several years of living in England. While overseas, they lived on two very modest incomes. They reached out to us to create a Spending Plan once they were both working full time again. With the kids getting older, they try to balance enjoying life now while paying …

Halloween Was Saved

By Melissa Tosetti I confess that I am NOT a naturally born organized person and procrastination is heavily embedded in my DNA.  It’s a constant fight.  But years of getting bit by my bad habits have made me vigilant about combating my natural tendencies. In late September, we published in our weekly newsletter The List, the following task: Ready or …