Family of Five – Saved $14,400/year

A Case Study by Melissa Tosetti Sarah was looking forward to going back to work after years of staying home with her three young children. She and her husband Stephen were eager for the extra income to get off the cycle they’d been in for the last few years of putting summer vacations and the holidays on their credit cards, paying …

Spending & Your Financial Bell Curve

By Melissa Tosetti I first noticed the bell curve when my in-laws sold their house. They lived in a beautiful two-story home overlooking the San Francisco Bay for over 30 years.  In that time, they raised children, my father-in-law ran his liquor store and my mother-in-law became highly successful in real estate. When they decided to finally move full time …

Swap Buddies Make Projects Affordable

By Kevin Gibbons If you’ve ever tried to remove a gear with a hammer and screwdriver instead of a gearpuller, or hand-sewn a tablecloth hem instead of using a sewing machine, you know how important having the right tool for the job can be. I’ve written before how resourceful my father and his friends were at building and fixing things …

Groceries – Where to Shop?

By Melissa Tosetti I won’t drive cross-town to save $.10 on a can of corn, but I do find it worth my time to shop at two separate stores each week for my groceries and household supplies. I start by going to Safeway to take advantage of their great sales.  I then alternate going to Costco and Trader Joe’s. There …

Celebrity Stylists Do It. So Can You!

By Melissa Tosetti The majority of celebrities work with a stylist to ensure they look fabulous for red carpet and other special events.  Stylists plan far in advance to find the right outfit for their client.  You can implement the same strategy for your next special occasion by planning in advance. At the beginning of each month, check your calendar …

3 Tactics to Avoid the 20 Year Sprint

By Melissa Tosetti We live ridiculously busy lives!  I mean, RIDICULOUS! I used to think it was just those of us living here in Silicon Valley and the surrounding San Francisco Bay Area.  However, after working with clients all over the country, I’ve learned that the frenetic pace of life isn’t confined to Northern California. I’ve come to realize this …

When Time Is Money

By Kevin Gibbons I loved my Dad. Among his many attributes, he was very much a “do-it-yourself” kind of guy. He did most of our home and car repairs himself. If he couldn’t do the work himself, he had friends, that together, could do just about anything, including putting on new roofs, building complete add-on rooms, putting up paneling, wallpaper, …

Jacob’s Money Story

By Melissa Tosetti My nephew Jacob joined the Navy last summer.  We’re all extremely proud of him! A few weeks ago, I received a message from him via Facebook, asking for advice.  He has signed up for a five year military commitment and from a financial standpoint, wants to make sure he uses the time wisely.  What he really wanted …

Financial Spring Cleaning

By Kevin Gibbons With spring bursting out (or imminent) across the country, now is the time for Spring Cleaning. But I’m not just talking about shaking our carpets, putting away comforters and storm windows. While you’re performing all those traditional seasonal rituals, set aside some time for financial spring cleaning. Now is the time to go through your routine, recurring …

Swipe – Go – Not Know

By Melissa Tosetti You walk out of the store with your newly purchased item, thinking about everything you need to do when you get home.  Suddenly you realize that you have absolutely no idea how much money you just spent. Once again, you stood at the checkout counter, mindlessly swiped your card, grabbed your items and walked out the door. …