The 3 Meal Plan

By Melissa Tosetti Whether you have kids or not, back to school season is the perfect catalyst to start or get back to routine. One of the most powerful time, money and sanity saving habits to put into play is Meal Planning. I’m not talking about planning out 21 meals for a week. I’d rather stick a fork in my eye than sit down and try …

Cut the Clutter – Fatten Your Wallet

By Melissa Tosetti When you walk into your home after a long day at work, do you: Immediately feel the stress of the day melt from your shoulders or… Cringe at the piles of clutter creeping out from every corner, cower from the piles of unfolded laundry and tremble at the sight of the kitchen sink full of dirty dishes? …

The Cash Challenge

When was the last time you used cash to make a purchase? The advances in banking technology have made our lives so much easier.  But an unfortunate side effect is that it has emotionally distanced us from our money.  It’s so much easier to swipe a card than to physically pull cash out of our wallet. With this in mind, we challenge you to use only cash …

In and Out of Costco for Less Than Your Car Payment

By Melissa Tosetti I love Costco!  By hitting the big box store every other week, I save at least 30 – 40% on my grocery bill. Just a few of the items on our family’s list of Costco staples include: Eggs Butter Cheese Coffee Hamburger Frozen Chicken Breasts Broccoli Carrots Chocolate Chips Vegetable Oil Not only am I able to …

Savvy Summer Vacation

By Melissa Tosetti In your part of the country it may not feel like it, but the official start of summer is just three months away.  If you want to take advantage of those great travel deals, you have to act now! First, decide where you want to go.  Next, decide when you want to go.  Then, start doing research.  …

No Matter What The Groundhog Says…

By Melissa Tosetti No matter what the groundhog says on February 2nd when he peeps out of his hole amid the media frenzy, spring officially starts on March 20th at 6:29 pm EST. That means there are seven more weeks to use as an excuse to make delicious homemade soups, stews and winter type meals using your slow cooker. There’s …

How Often Should You Dine Out?

By Melissa Tosetti Our grandparents rarely, if ever, dined out. Our parents may have gone out to eat once or twice a month. Now, it’s easy to eat just about every meal outside the home.  Unfortunately, the cost of those meals quickly add up and because of the frequency, dining out is no longer a treat. One of the fastest …

Shop For Life

Last week I read a quote about clothes shopping that has stuck with me: Shop for life, not an event. How many times have you gone shopping for an item to wear to a particular event and ended up using it just the one time? Not only does it feel like a waste of money, but it becomes a waste …

Gift Giving Insanity

I’m working with a couple in Massachusetts that have a very common money issue – gift giving. When I asked them to create a list of all the gifts they buy throughout the year, it came to 57!  That’s an average of almost 5 a month!  They have a large family and between the holidays, birthdays and special events like …

How To Change Your Spending Habits

Yesterday I posted a piece about being willing to save for an item if it’s what you really want, rather than buying a cheaper item by default. I posted a link to the article on Facebook where Cheryl Stafford Ferguson wrote the following comment: Don’t want the more expensive one just because it is more expensive. More expensive is not necessarily …