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Back Up Grocery Day PDF  | Print |  E-mail
Saturday, 31 January 2015 06:47

By Melissa Tosetti

One of the keystone habits of Savvy Living is to have a non-negotiable day to do your grocery shopping.  In fact, we encourage our clients and readers to actually put the activity on their calendar.  Instead of trying to fit grocery shopping in, around all of your other to-dos, you end up fitting all your other to-dos around grocery shopping.

This week I was reminded about the importance of having a fall back day for grocery shopping.  A "just in case your schedule explodes, you have a back up plan day".

I do my grocery shopping at 4:00 pm on Wednesday afternoons, first heading to Costco and then swinging by Safeway.  I can usually get out the door and home again within an hour and 15 minutes. 

For the last 14 days, our entire family, like so many families across the U.S., has been battling the flu.  I don't care how passionate you are about what you do for a living... when you have the flu, you just want to curl up in a ball and whimper.  I only missed one full day of work, but, between that and not feeling up to my usual pace, I've been in catch up mode for the last five days.  

The lesson I was reminded of is that people get the flu.  Schedules go awry.  Things happen.  So it's important to have a fall back day for getting to the grocery store. 

My fall back day is Saturday.  After I work out this morning, I'll swing by Costco, make a quick trip to Rite Aid and then follow it up with a visit to Safeway.  The one nice thing about shopping Saturday mornings is that even at 9:30 am, the stores are still relatively quiet and also they're well stocked.

If you haven't already put grocery shopping as a regular date on your calendar, I encourage you to give it a try.  You also might want to go ahead and pick your fall back day... just in case.

 
In The Spirit of Bartering... PDF  | Print |  E-mail
Friday, 30 January 2015 09:21

By Melissa Tosetti

Since we purchased Dante's bunk bed back in September, we've been debating whether or not to get rid of his "train table".  We finally came to the conclusion that it's been used more for storage than play and so we decided to get rid of it.

On Wednesday I posted a notice on Freecycle.org and within 15 minutes, I was contacted by someone who wants the table.  He's going to come by and pick it up tonight.  

Coincidentally, later that day I was looking at Freecycle's Redwood City page and saw a post for free fill dirt, including delivery!  Our spring project is to redo our backyard, starting with bringing in a few truck loads of fill dirt.  I emailed the poster and within a few hours she emailed me back and we made arrangements for the dirt to be delivered.  A second load of dirt will be delivered next Wednesday. 

For the "price" of a train table that Dante enjoyed using for four years, I was able to acquire all of the fill dirt I need for our backyard project. 

Because smart spending is my business, I just had to do the research to find out how much money we saved.  I called our local nursery and found out that a truckload of fill dirt (equal to the truck that delivered our dirt) would cost $487 and the delivery fee would be $85.

Now we can focus that $572 savings on the play structure that we're going to build for Dante in the backyard.

Our Free Dirt
 
The Savvy Life Philosophy PDF  | Print |  E-mail
Wednesday, 21 January 2015 13:53
Save money on the things that are not important to you
so you can focus your spending on the things that are important to you.

 

 
What Is Savvy Living? PDF  | Print |  E-mail
Monday, 05 January 2015 00:00
Like it or not, money affects everything. 

It affects where you live, what you eat, what you wear and how you spend your free time.  What you spend in one area directly impacts what you have available to spend in other areas. 

That's why The Savvy Life focuses on personal finance from a lifestyle perspective, helping people create a strong financial foundation through savvy day-to-day money habits, and also teaching smart spending for your Home, Food, Wardrobe, Travel and Entertainment - because these are the areas where we most often overspend, but with the least amount of satisfaction. 

Savvy Living isn't about frugality. It's about:
  • Knowing where you stand financially on a daily basis so you can make smart money decisions.
  • Choosing to purchase only things you love and that make you happy.
  • When you go out to eat it's because you want to go to that restaurant, not because there are no groceries in the house.
  • Building a wardrobe of clothes that fit and look great on you, rather than having a closet overflowing with clothes and feeling like you have nothing to wear.
  • Turning your home into your own personal sanctuary.  When you're not comfortable in your own home, you don't want to be there which often leads to unnecessary spending.
  • Enjoying your time off so much more because you've planned for it and know you can afford it.
Through Savvy Living you can do the things you want to do, buy the things you want to buy and visit the places you want to visit and still have a strong financial foundation in place. Whatever your financial dream, it's within your reach.
 
 
 
What Was Worth It? PDF  | Print |  E-mail
Monday, 29 December 2014 08:11
By Melissa Tosetti
 
Between Thanksgiving, Hanukkah and Christmas, we all had a lengthy list of activities and to-dos. Many of those activities felt like must-dos. 
 
Now that we’re on the other side of the holidays, which ones were worth it?
 
For me, one of the things I’m so glad I squeezed in was a visit to The Great Dickens Christmas Fair. The event recreates Victorian London during Christmas time. Carving out ¾ of a Sunday at this time of year wasn’t easy, but it was well worth it. 
 
I’m also so glad I accepted the invitation of my friend Liz for a Christmas Craft Party. It was beyond my expectation of fun and we already informed her that we’re inviting ourselves back next year.
 
I believe that what I chose not to do this year made an equally positive impact on mine and my family’s enjoyment of the season. As much as I would have liked to send holiday cards, I decided to save the time and money I would have spent. 
 
We also chose not to visit Christmas Tree Lane this year. Christmas Tree Lane is a tradition in my home town of Fresno dating back to 1920. It’s a nearly two mile stretch of over-the-top decorated homes which takes a good two hours just to drive through. It’s a wonderful event, but we didn’t want to overschedule our visit with my family.
 
As you look back over the last four weeks, think about what was worth it and what you want to make sure you do again next year. At the same time, think about what wasn’t worth it so you can ensure you save that time and money next year.
 

 

 
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