We are a husband and wife living on an island, with all the challenges of making a living in a remote hard-to-get-to location. We had always done our finances separately, and we were struggling to find a combined budgeting system that would give us an accurate representation of our situation and enable us to make a decision about whether we could continue to afford living in our “paradise.” Through Melissa’s coaching (and delightful sense of humor) we set up an accounting system that works much better and we now feel like we have a handle on where all the money goes.
Creating savings and keeping expenses under control is no ordinary task even for a financial professional. Melissa helped me find clarity on my spending habits, prioritize my goals, and spend purposefully. As a result, my savings continue to grow while I fulfill promises I’ve made to my family. Best of all, I feel great about the positive changes I continue to make in my financial life. Thank you Melissa.
As a single mom with one income, making ends meet each month is an ongoing challenge and stressor. Melissa showed me several creative ways to stretch my budget and taught me how to change my mindset about money. Implementing her simple ideas has helped me maintain the standard of living I desire and deserve!
Debra is a psychologist in Georgia. Her living situation was in the process of changing and she needed to find a new home. She was not only concerned with how much she could afford, she was concerned about the effect her change of situation had on her ability to retire someday. Through the Bridging The Gap Program, we were able to identify how much she could comfortably afford to pay for her new home, which she has since turned into her personal sanctuary. We were also able to identify enough money for her to continue to contribute to her retirement plan without sacrificing her quality of life.
“As a result of my work with Melissa, I have a clear picture of how my money is “coming and going.” And I was able to make an informed and wise decision that allowed me to purchase a condo that I love and can afford.” – Debra M.
Lisa and Ted were recommended to The Savvy Life by a financial advisor. Both retired, they needed to figure out how to go from a very large income to a much smaller, fixed income. Through the Savvy Life Makeover Program, we refined each area of their financial life, decreasing their expenses and increasing their quality of life. The program not only helped save them thousands of dollars a year, but put hours back into their week by creating easy to implement systems and routines for managing their household.
“After Melissa’s skilled and caring help, we have a much better idea how to make what we have stretch and last.” – Ted and Lisa H.
I am a single mom who recently experienced a difficult divorce. Melissa helped me think through my new financial situation with clarity and objectivity. I don’t really know if I can put into words what she does, as Melissa provides more than just financial advice; she has a sixth sense about how our emotional state can impact how we view money. Melissa gracefully guides each individual to fully grasp their unique financial situation and to create a realistic plan to achieve their dreams and goals.
As a 25 year old Emergency/Trauma Nurse, balancing my intense and often tragic career with traveling and vacations is essential to my personal well-being. Trying to manage and organize funds to both “pay the bills” and do the things that enrich my life was entirely confusing and overwhelming for me. Working one-on-one with Melissa Tosetti gave me the confidence and independence to live the meaningful and balanced life I have longed for; it wasn’t about giving myself more limits but reconstructing a plan to give myself more freedom.