Building Your Emergency Fund

By Kevin Gibbons Now that the thrill and excitement of the New Year has had a chance to ebb, it’s a good time to think about your Emergency Fund. Almost every financial advisor and planner recommends that you have an emergency fund so you can pay for unexpected expenses without having to go into debt or experience hardship. Different people …

Resolving with Purpose

By Kevin Gibbons If you started the new year by making resolutions, you’re in good company.  Forty five percent of Americans usually make resolutions.*  But what kind of resolutions are you making this year? While it’s easy to make generalized statements (“I’ll exercise more,” “I’ll save more money”), you will have more success if you choose specific accomplishments. If you …

Strive, But Be Thankful

By Melissa Tosetti Often while we work toward goals, we become dissatisfied with our current situation. It’s understandable, but if you’re always striving toward your goals, it’s so easy to be in a constant state of dissatisfaction.  That’s a miserable way to live!  So, what do you do? A key component to savvy living is to appreciate and take care …

You Have to MAKE the Time

By Melissa Tosetti There will never be enough time. There will never be enough time to do the tasks we don’t want to do, such as canceling an automatic payment for a service we’re no longer using.  Somehow, we always find a way to be too busy to get it done. But, if I’ve learned anything in the last eight …

Understanding How Stores Market To You Can Change How You Shop

By Kevin Gibbons Most of us have noticed certain features about the stores we shop at. The grocery store puts the sugared cereals at 6-year old eye level, checkout stands have candy, gum and sodas nearby, the latest clothing fashions are front and center in the department store. In our Savvy Shopping webinar, we point out that grocery stores invariably …

Getting Off The Credit Card Hamster Wheel

By Melissa Tosetti It seems impossible to get through life now without having to use a credit card at one point or another. It’s not safe to use a debit card for online purchases. If you rent a car or stay in a hotel using a debit card, those companies place a very large hold on your account which can …

Money Affects Everything

Kevin Gibbons Money affects everything. It affects where we live, what we eat, how we dress and what we do with our free time. It affects what we can give back to our community.  What you spend in one area directly affects how much you have left to spend in the other areas of your life. But more than that, …

5 Insightful and Inspiring Articles on Spending

By Melissa Tosetti Over the last few weeks I’ve happily stumbled on several articles related to smart spending that were worth sharing. I hope you find them as inspiring as I did.   Lifestyles of the Rich & Frugal  By Budgets Are Sexy I love reading about others’ smart money habits and this article features a role model for Savvy …

Giving The Experience

By Kevin Gibbons I’ve known my friend Paul for 28 years. He’s is far and away my closest friend. He also has very eclectic interests and tastes. So finding a birthday present for him every year can be extremely challenging. Because of our shared interest in Historical European Martial Arts, in the past, I have given him books and even …