The Savvy Way to use Your Tax Refund

By Kevin Gibbons Is it possible to have fun with your tax refund and still be financially responsible? One of the Savvy Habits we teach in our book and webinars is The 50/50 Rule. The 50/50 Rule states that whenever you get windfall income, whether from a tax refund, a work bonus, a gift, or finding cash on the sidewalk, …

The Perfect Time Doesn’t Exist

By Melissa Tosetti I was talking with a client the other day as we compared the ridiculousness that has been our schedules the first few months of the year. For her, it was multiple business trips and caring for her children through their winter colds.  For me, it was one out of the ordinary task or event after the other.  …

Cutting the Cable TV Cord

By Kevin Gibbons When I talk about the Savvy Life Philosophy – Saving on what’s not important to you so you can Spend on what is important to you – I usually use the example of foregoing a cable TV subscription in my house so my wife and I can have more money for travel. While the end result is …

Mastering Cooking Through Basic Dishes

By Kevin Gibbons Some people enjoy cooking. Some people find it no more than the necessary chore to keep their family alive. I love cooking, creating and trying new recipes, trying to copy my favorite restaurant dishes, or just thinking up new twists on classic dishes. But even I sometimes don’t have the time or inclination to dive into a …

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 …

New Year’s Resolution Success Stories

By Melissa Tosetti There are two topics we talk about at the beginning of any year: Making Resolutions and Breaking Them. It would seem no one is able to successfully make lasting changes. But, that’s not true. I work with clients on a daily basis who successfully transform their financial lives.  To honor and celebrate the fact that people do …

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 …

Giving the Experience for the Holidays

By Kevin Gibbons, Melissa Tosetti, my partner at The Savvy Life, and I are blessed with many close friends. Over the years, this very tight-knit group has grown from about 10 to as much as 20. When this group first formed, gift-giving was a big part of it. With birthdays occurring almost every month, we were all in constant “perfect …

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 …

A Room With A View

By Melissa Tosetti In 1987, my senior year of high school, I went on a first date with someone who took me to the Tower Theater in Fresno, CA to see a movie I’d never heard of called A Room With A View. The experience was impactful.  That was the night I fell in love with costume dramas and what …