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Savvy Celebrities PDF Print E-mail

By Melissa Tosetti

Open up a newspaper on any given day and there will be an article about an actor, athlete or musician who earned millions of dollars, and lost everything by overspending. Their stories demonstrate that no matter how much money you make, it's impossible to be financially successful if more money is going out the door than is coming in.

So, it was refreshing to stumble across this article featuring six financially responsible celebrities: Zooey Deschanal Never Pays Late Fees and 5 Other Smart Money Lessons From Celebrities.

From Kristen Bell to Mindy Kaling, read about their savvy money habits and pick up a few tips.


Keep It Simple PDF Print E-mail

What to Buy - 4th of July Holiday Sales PDF Print E-mail
By Melissa Tosetti
As you know, planning and timing are key elements of  Living The Savvy Life.  You can save hundreds of dollars a year simply by timing your purchases around seasonal sales. 

In anticipation of the 4th of July, most grocery stores will have the following items on sale:
  • Ketchup
  • Mayonaise
  • Mustard
  • Relish
  • Hot Dogs
  • Hamburger
  • Hot Dog and Hamburger Buns
The discounts on these items are likely significant enough to stock up. The trick is knowing what is a good sale and picking up one or two extra items and knowing what is an extraordinary sale and stocking up enough to last you until the next anticipated holiday blow-out.

If your wardrobe is in need of an infusion, this weekend is also an excellent time to purchase:
  • Shorts
  • Tank Tops
  • Summer Shoes
There will be plenty of inventory and the sales will range from 20% - 40% off.

Just about everything "outdoors" will be on sale this weekend as well including:  
  • Lawn Mowers
  • Lawn Furniture
  • BBQ's
You'll be able to find items on sale from 20% - 40% off. 

Just remember to be picky and only purchase an item if you absolutely fall in love with it... no matter how good the sale.
Gift Giving Problem = Opportunity PDF Print E-mail
By Melissa Tosetti
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 Mother’s Day and Father’s Day, they felt like they couldn't get ahead. 
With a new baby on the way and certain financial goals in mind, gift giving was getting in the way! However, the new baby gave them an extraordinary opportunity to remedy the situation. 
We devised a plan to have them contact their friends and family members and explain that they need to cut back on gift giving in order to be in a financially secure position for when the baby arrives.  
Instead of giving gifts to friends and adult family members, they plan to suggest a few get-togethers – allowing them to replace the exchange of knick knacks with the creation of memories. 
I’ve used this strategy myself and so have many of my clients. More often than not, family and friends have wanted to reduce their spending on gifts as well, but were hesitant to bring it up. 
In my case, I talked to my closest friends and asked if instead of exchanging Christmas presents, could we instead pool together and rent a cabin at Lake Tahoe over President's Day weekend.  That was 16 years ago and with just a few exceptions, has become an annual gathering.  Many of my very favorite memories were made on those trips, with more to come! 
Savvy Shopping - Memorial Day Weekend PDF Print E-mail

By Melissa Tosetti
One of the aspects of Savvy Shopping is the habit of timing your purchases to coincide with seasonal sales.  During Memorial Day weekend, there are plenty of opportunities to save on Food, Wardrobe Items and more. 

Memorial Day weekend is the first of the three big BBQ holidays, 4th of July and Labor Day being the other two.  Anything that has to do with hamburgers and hot dogs will go on sale this week. It's an excellent time to stock up on:
  • Hot Dog & Hamburger Buns - which can be frozen
  • Mayonnaise, Mustard, Ketchup & Relish
  • Soda
According to DealNews, the longer than normal winter weather meant that Spring clothing didn't move as fast as normal and so retailers will be offering fantastic discounts on those items to make room for summer clothing.  In fact, Kohl's, Macy's, JCPenney and American Eagle are expected to send stacking coupons giving consumers an additional 15% - 40% off of items. 

Outdoor Furniture
While sales on outdoor furniture will get better and better as summer goes on, retailers, such as Target, are offering 20% off outdoor items over the holiday weekend.

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