The Savvy Life
Webinar - Living The Savvy LIfe PDF Print E-mail
November 5, 2014
1pm EST/12pm CST/10am 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 additional money for retirement and that crucial emergency savings account.
Presented by: Melissa Tosetti, Founder/President of The Savvy Life
Hosted by: Greg M. Charnes II, CFS®
                    Financial Advisor
                    Thacker, Charnes, Stowe & Associates
                     A private wealth advisory practice of Ameriprise Financial Services, Inc.
RSVP by October 31, 2014 to receive the Webinar link email on November 4, 2014. Call 788-5162 area code 800 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Please invite your family and friends.
This is an informational seminar.  There is no cost or obligation.

The Savvy Life and its representatives are not affiliated with Ameriprise Financial.

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 Halloween Decor PDF Print E-mail

By Melissa Tosetti

One of my inspirations for starting The Savvy Life back in 2004 was the ability of my friends Gina and Kathleen who could walk into Target and put together an outfit that looked as if they shopped at Nordstrom.  They just had a knack for picking and choosing quality, affordable items that looked great on them.

A week ago I went to drop my son Dante off at his best friend Josh's house.  Inside and out, the house was completely and very tastefully made over for Halloween.  When I complimented Liz, Josh's mom, on the great job she did, she told me that almost every decoration was from the dollar store.  It immediately reminded me of Gina and Kathleen's talent for putting together outfits, but in Liz' case, it was home decor.  

I asked Liz if I could take a few pictures to post of her handiwork and she said yes. As you'll see, it's amazing what a little black gauze, a few decals and a trio of stuffed ravens can do to spook up a house.

Whole Foods Market Fans - Good News! PDF Print E-mail
By Melissa Tosetti
Fans of Whole Foods Market will be happy to know that in an effort to compete with Krogers and Walmart, it's dropping prices on some products, specifically produce.
Many of my Spending Plan clients are Whole Foods shoppers and the news will be much appreciated! 
In the article Forget 'Whole Paycheck' - This Grocery Chain Now Beats Many Competitors' Prices, author Sarah McColl offers strategies and tips for saving at the store.  Check it out!
Demonstration of Purposeful Spending PDF Print E-mail
While in Atlanta this week for a speaking engagement, I received this email message from my Mom...
Went to Dick's Sporting Goods today. Big sale. Tried on 6 tops and put them in my 1 get 1 free.  Remembered your Savvy advice, "Don't buy it unless you love it". Left with a box of new golf balls....LOVE THEM.
I love you honey, Mom

A great demonstration of purposeful spending from one of the savviest women I know!
The 5-Piece French Wardrobe PDF Print E-mail

By Melissa Tosetti

I'm halfway through six speaking engagements in a six week time period.  There's been a lot of packing and a lot of airports - with more to come.

Thursday night, just before getting on stage, I realized that I felt really good.  In fact, I felt a thousand times better than I did just eight hours ago when I got off the plane in a pair of jeans, tennis shoes and a hoody.  I remember thinking that I couldn't wait to get to my room, take another shower and get ready for the event.  I knew that the minute I put on my "speaking" clothes, I'd feel great.  I was right.

It was at that moment I realized that my day-to-day wardrobe is in need of an upgrade.  I strongly believe that you should feel great about how you look all the time, not just for special occasions.  But, in the last year, I've focused more on refreshing my speaking wardrobe and have neglected my day-to-day wardrobe.  

So, my goal this week is to do an inventory of items I need for fall and winter and begin systematically acquiring those needed pieces.  On the plus side, my timing is great as we go into the holiday season, the sales will be plentiful. I should be able to time my purchases and pick up everything I need on sale.

Once I have my basics in place, I plan to take a note from the 5 Piece French Wardrobe.  Click on the link for the original version of the system.  As for my version: 

1. Maintain a basic wardrobe including undergarments, workout clothes and pajamas, replacing items as needed.

2. Purchase only 5 new items each season.  The seasons are Fall/Winter and Spring/Summer. 

3. Focus on quality over quantity as well as proper fit.

4. Only purchase items you absolutely love.

Once my basic day-to-day wardrobe has been replenished, my verion of the 5 Piece French Wardrobe will help ensure my wardrobe stays fresh, but also ensures I only purchase what I love and feel great wearing. 

Marion Cottilard
Her entire wardrobe from A Good Year is enviable!
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