Often, we think we don’t have money to put toward retirement, to buy that house or to go on that dream vacation, but in most cases, the money is actually there.
Every week, financial lifestyle expert, Melissa Tosetti works with individuals and families across the U.S. to “find money”. By showing them how to plug financial leaks and streamline their spending she is able to uncover anywhere from $100 - $1,200 per month that can be focused on what’s most important to them.
Sometimes you need more than just a book to help you get on track financially. You need someone to understand the circumstances surrounding your situation and to help you devise a plan to get on stable ground and achieve your financial goals.
Melissa understands there is no one-size-fits-all answer to day-to-day money management. With The Savvy Life’s Bridging The Gap Program, she helps each client create a plan that will work for their situation, schedule and lifestyle.
In the Bridging the Gap program you and Melissa will take two separate, complementary looks at your financial life. Together, you will evaluate your numbers - income, monthly expenses and debt. Next, you’ll review your lifestyle, including your goals and dreams. She will then work with you to create a plan that will Bridge the Gap between the two.
The Bridging the Gap Program is normally $495, but if you
sign up by Friday, June 21st, it’s just $395!
That’s 20% off the regular price.
Family of Five in Sacramento
Melissa worked with a family of five in Sacramento whose situation is quite common. They couldn’t make it from one paycheck to the next despite their annual $100,000+ income.
They were spending $1,500 a month on food, mostly dining out because there were never groceries in the house. The family had no habits or routines around shopping so Melissa focused on helping to create them.
Ultimately, their food bill was cut in half, but they also saved several hours a week by no longer having to wait in line for takeout every night or run to the store for one-off items such as laundry detergent.
In addition to the $750 saved on food, they also identified another $450 that could be saved each month in other areas. The $1,200 savings was then funneled to their Christmas, Vacation and Emergency Savings Accounts and the bulk of the money was put toward increasing their monthly retirement contribution.
Executive in Chicago
Melissa recently worked with an executive in Chicago who already had many good money habits in place. She and her husband contribute 10% of their income to their Retirement Account and still managed to save enough to get to Europe every summer. They came to Melissa for help in finding an additional $1,000 a month to increase their retirement contributions.
By making a few simple changes to their day-to-day spending, Melissa was able to find the $1,000 plus an additional $245 a month to put toward their Vacation Savings Account giving them an additional $2,940 for those annual international trips.
Each individual and family has a unique financial situation. The opportunities to streamline or repurpose their spending are equally unique.
How The Program Works
Step 1: Introductory Meeting
Meet with Melissa over the phone for an initial consultation.
Step 2: Fill out the Financial Worksheet
Financial Worksheet includes income, monthly expenses and debt.
Step 3: Financial Worksheet Review Meeting
During this one hour meeting, you and Melissa will review your Financial Worksheet and create a plan to plug financial leaks and streamline your spending.
Step 4: Report
Melissa will summarize your plan in a report giving you a clear path for moving forward.
Step 5: Follow Up Calls
A 15 minute follow up call is scheduled for a week later to see how the plan is working and to make adjustments. An additional follow up call is scheduled for 30 days later to check in and make additional alterations if necessary.