When To Pull The Trigger

By Melissa Tosetti
One of the aspects of Savvy Shopping is to time your purchases to coincide with seasonal sales. By timing your purchases, you can easily save 20% - 60% on just about everything you buy. 
A few weeks ago, while in Target, I came across a pair of riding boots that I fell in love with. A pair of combat boots also caught my attention.  Note: At birth I didn’t get the “shoe shopping gene”, but I definitely have a touch of the “boot shopping gene”. 
I decided to wait a week a week or two to see if the boots would go on sale. Yesterday morning, while in Healdsburg, CA visiting Paul’s family, I realized that with the official start of the holiday shopping season just a few days away, the likelihood of the boots selling out was high. I asked Paul if we could swing by Target on our way home. 
As we were driving to the store, I began formulating this article in my head. I was going to write about how a big part of savvy shopping is timing your purchases, but, how savvy shopping is also about only purchasing things you love. If you absolutely fall in love with an item, and it’s within your budget, go ahead and pull the trigger.  This is especially true with clothing.  If you wait too long, the item may sell out. 
As we walked into the store, I stopped to look at the new sales ads which I hadn’t had a chance to look up online that morning. I laughed out loud when I saw they were running a "buy one pair of boots get the second pair for 50% off" sale. I was rewarded for my patience after all!

Thriving During The Holidays - eBook
Even if you’re looking forward to the holidays, you can easily get flattened by the laundry list of must dos let alone want to dos, that take place in those last weeks of the year.
The eBook Thriving During the Holidays is filled with easy-to-implement, time and money saving ideas to help you turn the holidays from something you survive, to a time to thrive. There’s no reason why kids should have all the fun during this time of year! The goal of the Thriving During the Holidays eBook is to help you turn the holidays into something you enjoy just as much as the children around you. 
Thriving During the Holidays shows you how to: 
  • Create a holiday budget.
  • Save your sanity and your cash when shopping.
  • Strategies for making holiday travel as smooth as possible.
You will also learn how to:
  • Plan your meals to save time and money.
  • Stay in control of your schedule.
  • Donate more than just cash to charity.
Find out how to save money on:
  • Holiday Cards
  • Gift Wrap
  • Decorations
We also share our favorite:
  • Holiday Websites
  • Shopping Spots
  • After Holiday Sales Strategies
There's also an entire chapter dedicated to tips on how to relax and enjoy the holiday season so much more. 
Thriving During the Holidays  is available at the affordable price of just $4.95

The Three Rs of Holiday Shopping

By Melissa Tosetti

Last month, I was contacted by a freelance writer from Walmart Magazine.  She was working on a story about unique ideas to make your holiday spending go further. The interview turned into an enjoyable conversation as we talked about our favorite holiday tips.

The article was just published this week.  To read it, click here: The Three Rs of Holiday Shopping.

Time To Stock Up
By Melissa Tosetti 
Over the course of the next seven weeks, grocery stores will be selling products at some of the best prices of the year.  With a strategy in place, it's a wonderful time to stock up. 

Some of the items that will be on sale over the next seven weeks include:
  • Turkey
  • Ham
  • Flour
  • Sugar
  • Baking Powder
  • Spices
  • Butter
  • Chicken & Beef Broth
  • Canned Vegetables
  • Potatoes
  • Sweet Potatoes
  • Coffee
  • Cocoa
  • Sweetened Condensed Milk
  • Evaporated Milk
  • Nuts
  • Cake Mixes
  • Canned Pumpkin
  • Wine
  • Beer
  • Liquor
Each week, look over your store's sales ad to see what you can stock up on.  One week you can pick up one or two extra bags of flour and a second can of baking powder.  The next week you can purchase a few spices.  The following week you can walk out of the story with a dozen cans of corn.  You get the idea. 

So, for as little as an additional $5 - $10 a week, spread over the course of the next seven weeks, you can stock your pantry with items you and your family will eat in the coming months.  Just make sure you only purchase items that will be consumed.  
Home Repair Rule of Thumb
By Melissa Tosetti
I just got off the phone with a client who told me about a fantastic rule of thumb regarding saving for home maintenance and repairs. 
Her father is a home inspector and he suggests that each year, you set aside 1% of what your home is worth into a savings account for repairs. 
For example, if your home is worth $200,000, you should save $2,000 annually.  If 1% feels like an overhwhelming number, then saving even 1/2 percent will at least get you started. 
When I work with clients to create a Spending Plan, one of the things we do is create a line item specifically for this category.  The amount earmarked varies depending on the age of their home, as well as the length of their list of repairs.  It's nice to now have a rule of thumb to keep in mind. 
5 Minute Thanksgiving Organizer

Thanksgiving is one of the most anticipated holidays of the year. It is also one of the most overwhelming. In an effort to help you enjoy the holiday so much more, we’ve created the 5 Minute Thanksgiving Organizer. 
Keep in mind that, getting organized doesn’t mean making it complicated. This organizer was purposefully designed to be as useful as possible by keeping it as simple as possible.
Download your free copy now... 5 Minute Thanksgiving Organizer

Veteran's Day

We want to thank the men and women who have served and are currently serving to protect our country.  Please know that our our gratitude is not confined to just one day a year.

Review Your Credit Card Statement
By Melissa Tosetti
One of the most important money saving habits you can adopt is to review your credit card statement each month.  

Back in July, I was charged $95 to renew a subscription for anti-virus protection on a computer I know longer own.  I immediately called the company and asked them to reverse the charge. 

Had I not noticed the charge, I would have blindly paid it, quite possibly for years to come as it was an annual subscription. I can think of many more things I would prefer to spend that $95 on! 

A much more impactful example of how crucial it is to review your credit card statements came at the expense of one of my clients in Virginia.  When we started working together, she discovered that she had been paying $200 a month for a personal trainer that she hadn't seen in two years.  That mistake cost her $4,800!

When your credit card bill arrives, invest the two minutes it takes to review the statement and make sure you're getting billed appropriately.
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