Prepare Your Home for Fall and Winter
By Kevin Gibbons
 
It just hit me last week - that first smell of the Northern California fall air. There’s nothing like it - a crisp coolness after the hot summer, a hint of dampness on the brown grass from the coastal fog and just the start of decaying foliage. Fall is definitely my favorite season. In fact, I enjoy it so much that I actually look forward to the rituals of preparing my home for the colder seasons. Here are some of my favorite, essential routines for getting ready for fall and winter.

1. Clean The Rain Gutters
The time for cleaning the rain gutters and down-spouts is in the last days of summer and first days of fall, not during the first heavy rain when water is pouring down the eaves. Get on a ladder and use a narrow gardening trowel to scoop all the debris out of the gutters. Start at the end opposite the downspout. When you get to the downspout, take a hose, or a bucket of water to flush the spout and make sure there are no clogs. If the downspout is clogged, the easiest way to clear it is with a plumber’s snake.
 
You will probably have to repeat this cleaning after the first rain of the season washes all the debris on your roof down, but a pre-emptive cleaning will go a long way towards making that easier.

2. Store Your Gardening Tools
When you have finished your last big gardening project, clean and store your tools. Wash your spades and clippers, and consider coating them with a thin layer of mineral oil to keep them from rusting. Put them in a safe place in a shed or garage where they won’t get banged up or lost. Then they will be ready when you are for spring planting.

3. Change Your Heater Filters
If you have a forced air centralized heating system, replace your air filters. Either they have been running all year long, in which case they are dirty, or, if you live in a warm climate and turned your heater off for the summer, they have been sitting stale for months, possibly growing mold and mildew. In either case, they are easy and cheap to replace. While you are at it, turn on the heater system at a moderate setting for several hours during the day while you are gone. That will give the system a chance to blow out all the dust they may have accumulated during the warm months. You can then air out the house when you get home. This is much better than having to deal with the smell of burnt dust when it is 40 degrees outside, and is a lot cheaper than paying for heating duct cleaning.

4. Check Your Vents and Fireplace Flues
If you used a fireplace during the summer, you may have got in the habit of leaving the flue open. With cold weather around the corner, you want to make sure to close any vents where heat can leak out. You will also want to verify that the flues are operating properly before you light the cozy winter fire.

5. Winterize Your Car
Auto maintenance is a whole topic unto itself, but there are four things you absolutely have to do for the winter months:
  1. Check your tires. Proper inflation and tread are essential for winter driving. If you do not know how to check your tires, go to your mechanic, or even one of those oil change places and have it done.
  2. Change your windshield wipers. The rubber in the wipers dries out over the summer and they become less effective.
  3. Flush your radiator and replace your antifreeze. Most manufacturers recommend changing your antifreeze/coolant every other year. If you live in a climate where it gets below freezing, get it done every year.
  4. Check that your heater and defroster work. Turn on your fan, with the temperature setting at the hottest position. Make sure air flows out of the defroster and the heater vent. If they don’t get your heater system checked by a mechanic before you take your Thanksgiving trip to Grandma’s house.
6. Change and Test the Batteries in Your Smoke Alarms
Most fire departments run "fire alarm battery change" campaigns to coincide with the Daylight Savings time changes. Check both your battery-operated alarms and the ones wired into your home electrical system.

7. Restock your Emergency Kit
Check your emergency kit. Make sure you have fresh batteries and a working bulb in your flashlight. Make sure the radio still works. Clean the blankets. Check the first aid kit and replace any expired or used items.


 


 
WEBINAR - Living The Savvy Life
October 8, 2014
10:00 am PST
 
Learn how to look at your day-to-day finances from a lifestyle perspective and discover the power of purposeful spending.  Uncover easy ways to find additinal money for retirement and that crucial emergency savings account.
 
Presented by Melissa Tosetti, Founder, The Savvy Life

Hosted by Greg M. Charnes II, CFS®, Financial Advisor, Thacker, Charnes, Stowe and Associates, A private wealth advisory practice of Ameriprise Financial Services

RSVP by October 3, 2014 to receive the Webinar link email on October 7, 2014.

Call: 788-5162, area code 800.  Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Please invite your family and friends.  There is no cost or obligation to attend.

The Savvy Life and its representatives are not affiliated with Ameriprise Financial, Inc. Brokerage, Investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. ©2013 Ameriprise Financial, Inc.  All rights reserved.

 
Affordable Fall Travel Ideas

By Melissa Tosetti

BudgetTravel.com is one of my favorite resources for affordable travel ideas.  They just released their list of the 20 Best Budget Vacations for Fall

San Francisco, Las Vegas and Yellowstone Natonal Park made the list.  Dublin, the Dominican Republic and Barcelona are also listed as affordable vacation spots.

The one destination making the list that is a pleasant surprise is Romania.  My friends Geoff and Kathy visited Romania and Turkey (which also made the list) last year and had an adventure of a lifetime.   

Corvin Castle
Romania
 
WEBINAR: Thriving During the Holidays
October 7, 2014
9:00 am and/or 3:30 pm PST
 
Before the season is upon us, learn the tips for taking the stress out of the holidays so you can enjoy them again.  How can you find the money for those extra holiday expenses?  Melissa's Savvy Life money saving strategies will show you how to find the time and the money from Thanksgiving through New Year's Eve.
 
Hosted by: Evelyn Dinkins II, CFP®, CFS®, CRPC®, MSFS®, CAS®
                   Angela DeLion, CFP®
                   Dinkins, DeLion & Associates
                   A private wealth advisory practice of Ameriprise Financial Services, Inc.
 
Presented by: Melissa Tosetti, Founder/President of The Savvy Life.
 
RSVP by: Friday, October 3rd to receive the Webinar link email.
                  Call: 306-4006, area code 678
                  Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
                 Webinars have unlimited space!  Invite family and friends!
 
There is no cost or obligation.
 
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc.  Member FINRA and SIPC.  Some products and services may not be available in all jurisdictions or to all clients.  ©2011 Ameriprise Financial, Inc.  All Rights Reserved.
 
 
 
 
If It Wasn't On Sale...

By Melissa Tosetti

I was on a call with a client in Atlanta today and she told me a financial rule of thumb I had never heard before. 

She said that years ago she heard fashion designer Isaac Mizrahi interviewed and he advised that when thinking about purchasing a clothing item, ask yourself, "If it wasn't on sale, would I buy it".  She said it's saved her thousands of dollars over the years.  It also ensures she has a closet filled only with clothes she loves.

What a great piece of advice!  No matter how good the sale, if you're not madly in love with, leave it at the store.  

The best part of this habit is that it leaves that money available for when you do fall in love! 

Isaac Mizrahi

 
Here's What You Asked For...

By Melissa Tosetti
 
I'm overwhelmed by the amount of responses we received to our survey and by how many of you took the time to write comments. 
 
The information you provided is priceless and will dictate the direction of The Savvy Life over the coming days, weeks and months. 
 
The number one request for additional information was on the subject of how to spend less than you make.   In order of popularity, here are some of the other topics you'd like to learn more about:
  • How to build an Emergency Fund.
  • Save for Retirement.
  • Pay off Debt.
  • Savvy shopping strategies.
  • How to save time and money around your home.
  • Purposeful spending.
  • How to save for travel and find travel deals.
  • How to save time and money grocery shopping and cooking.
  • Basic money management.
  • How to get and stay organized.
What surprised me the most is how many of you asked for more blog entries, especially with information about my spending when it comes to raising Dante.  I’m flattered, and will be sure to blog much more often.

Many of the comments mentioned that you want information in as concise a manner as possible.  Knowing how busy we are all, we’ll work toward that goal.
 
As far as products and services, there was an overwhelming request for checklists for the holidays and other seasonal events. You also asked for a weekly email with a list of “Savvy Tasks for the Weeks”.  We'll begin working on it immediately and launch the first list in the next week or two.
 
There were many other specific requests which we will work to fulfill as well. 
 
The winners of the four Target Gift Cards have been notified.  In additional appreciation for you taking the time to respond to the survey, I would like to provide you with the number one tool you requested which is a checklist for holidays and other seasonal events starting with Halloween. 

To download your copy, click here: 5 Minute Halloween Organizer

 
Enter to Win a $25 Target Gift Card
In our effort to make The Savvy Life as beneficial as possible, we’ve created a survey. The survey will help us tailor articles and products to meet your needs. 
 
The survey takes less than 2 minutes. When you're done, send an email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it with "Survey Complete" listed in the subject line and you’ll be entered to win one of four $25 Target gift cards. The gift card winners will be notified on Sunday, September 21, 2014. 
 
Thank you in advance for your input. - Melissa Tosetti
 
To take the survey, click here:

  

 
Social Spending
By Melissa Tosetti
 
Going out with friends can potentially be a money draining situation.  If you aren’t careful, one evening can blow your spending money for the month.
 
This can be a tricky area, as your friends may be in a different financial situation. As financial expert Suze Orman suggests, be honest with your friends about your intention of being careful with your finances. Suggesting less expensive alternatives or saying no if you don’t want to go may be your best bet.
 
While it may be tempting, don’t lie to your friends about your situation. There is no shame in saving money to spend on the things that are important to you. In fact, it is empowering. You're taking control of your finances instead of letting your friends influence your spending.
 
Mikey Rox of Wisebread wrote a great article on the subject of social spending titled, 7 Nice Ways To Tell Your Spendy Friends You're Staying On A Budget
 
One thing to keep in mind - The majority of clients I've worked with who decided to suggest alternative entertainment ideas to their friends were surprised at how their friends jumped at the suggestions.  Your friends may want to spend less on entertainment as well, but are afraid to approach you about it. 
 
 
 
Save on Your Smartphone Plan
By Melissa Tosetti
 
When I work with clients to create Spending Plans, we look for ways to help them plug their financial leaks so they can focus their money on what's most important to them.
 
An area that always gets scrutinized is cell phone plans.  Because everyone has different needs, there is no right answer when it comes to picking a plan. 
 
When doing a little research for a client the other day, I stumbled on an article by Clark Howard, one of my favorite personal finance authors.  The article titled, Smartphone and Data Plan Guide for 2014, helps you compare plans so you can find the best deal for you and your family. 
 
If you think you're spending too much on your cell phone bill, check out the article and think about what you can do with the money you'll save by switching plans!

 

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