- Paperback: 228 pages
- Publisher: Morgan James Publishing (January 11, 2011)
- Language: English
- ISBN-10: 160037834X
- ISBN-13: 978-1600378348
- Product Dimensions: 6 x 0.6 x 8.2 inches
- Shipping Weight: 4.8 ounces (View shipping rates and policies)
- Average Customer Review: 4.3 out of 5 stars See all reviews (80 customer reviews)
- Amazon Best Sellers Rank: #780,214 in Books (See Top 100 in Books)
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Living The Savvy Life: The Savvy Woman's Guide to Smart Spending and Rich Living Paperback – January 11, 2011
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Frequently Bought Together
So many books on how to manage your finances are so technical and, well, just boring! Not Living the Savvy Life: The Savvy Woman's Guide to Smart Spending and Rich Living by Melissa Tosetti and Kevin Gibbons! Melissa actually puts money management into words women can relate to...like "wardrobe", "beauty", "food", "entertainment" and "home". I mean come on, what woman doesn't want to manage her money better so she feels free to invest in a beautiful, functional wardrobe or a well-designed home. Ok, so maybe you're not into fashion (though I think anyone reading this blog is). Some women aren't. But that is what is so great about this book. It teaches you how to save on areas that aren't as important to you so that you have more money to spend where it matters.
Maybe you are perfectly happy with a minimal wardrobe and pared down interior but are a food loving world explorer who wants to try every cuisine in the country or region it is indigenous to (really cool idea actually). You can do it! All it takes is saying no to what's not important so you can say yes to what is. Living the Savvy Life will help you put it all into perspective and show you how to discover your personal passions and financial priorities...there is an entire chapter entitled "What is Important to You" that includes a questionnaire for each basic area of your life. By taking some time and answering this questionnaire in full, honest detail you can determine exactly what is most important to you (not to your friends, not to society) at this time in your life. Once you know what is important to you, you can better decide how to spend your money.
The authors of LTSL know that the first step to being savvy is being organized. You will be aided in organizing your closet and pantry and will be given practical tips on setting up systems so you know what you have at all times. How to set up a bill paying system, checking account management system and manage credit card debt are all covered and of course, it wouldn't be a book on savvyness if it didn't include that little well-known concept of "pay yourself first" (retirement funds and savings accounts ladies!). And if you just really do want more information on how to grow your hedge fund, well, that's not actually covered by the authors but they tell you where to find sources that do cover such in-depth subjects in the "Favorite Resources" section! --Bobbie Michelle Harman, of Euro Chic http://eurochic.wordpress.com/2010/12/09/living-the-savvy-life/
From the Author
The average personal savings rate in the U.S. over the last 10 years was 1.7%. The average American family has an estimated $8,600 worth of unpaid credit card debt. They need guidelines for making the difficult financial decisions that impact their overall lives. Living the Savvy Life provides those guidelines.
Living the Savvy Life advocates spending on the things that are important to you and saving on the things that are not as important, rather than simply cutting back everywhere.
Living the Savvy Life recognizes that personal financial management involves balancing all the different aspects of your life and provides concrete, easy-to-implement advice for how to improve your overall financial health.
Living the Savvy Life provides habits and routines that are easy to start, easy to maintain and make managing your finances effortless.
Living the Savvy Life helps you design your own savvy life based on the philosophy of saving on the things that are not as important to you so you can afford to spend on the things that are important to you.
Top Customer Reviews
Beginning with the premise that a savvy life is one which includes balance, it continues to go in depth with individual chapters focused on money, home organization, entertainment, wardrobe, beauty and food. After all, Tosetti and Gibbons remind the reader continually, that in order to create the life we want, we must prioritize - saving money by not purchasing and spending money on things that are of little or no importance to us, so that we may be able to spend our hard earned money on things that are of great priority.
While this concept may sound simple, living a savvy life is one that involves discipline, and whether we want to admit it or not, money is at the bottom of the foundation of the life we want to build.
Financially speaking, the authors speak to the readers, as though you are having a conversation. Examples from their own experiences are given which makes it much more personable and honest. I particularly appreciated their approach in how they talk about money. The concept of planning to be successful will ultimately help lead to a more confident person who steps forward in pursuit of the life they want. Most importantly, we must all know where our money is going and exactly how much we make and thus spend, but instead of purchasing an expensive Microsoft Money or Quicken program, why not just use Excel?
Now if talking about money for an entire book seems a bit much, don't worry.Read more ›
Her book is full of references, equations and lists that make for easy to follow advice. I loved the information provided on pages 174-175 about financial rules to follow in order to prosper (I have been looking for those equations for a long time). Each of the main chapters that focus on certain life subjects (ie: Home, Food, Money,Beauty,etc) has a Top 10 List recap of the chapter. I took a lot of interest in the chapters on "Food" and "Money". I am now putting forth the effort to look at recipes, list exactly what I need to make those recipes and then go grocery shopping. I know this is going to help us keep our grocery bill down and it will keep me organized with meal planning.
Another tip I am employing is keeping a "Spending Book". I am constantly seeing things I would like to purchase. My old self would have thought nothing of throwing it in the cart (real or virtual) and "buy it now"-even if that had meant charging it. By using a "spending book", this means saving and planning ahead for purchases and/or emergencies. Keeping a list of things I want or need close at hand, will help me to control my spending and not make frivolous purchases I will regret later. OH! And did you know about Ebates?Read more ›
Last year, I worked as a consultant to Melissa Tosetti on the speaking side of her business. I read an advance copy of "Living the Savvy Life," strictly from a business perspective, not taking into account how it could help me with my personal situation. Looking back, some subtle seeds were definitely planted. About six months later, an opportunity occurred for drama and resentment surrounding our finances. After the initial knee-jerk, fearful reaction passed, I knew I was ready to make a change. Pulling "Living the Savvy Life" off of the shelf, I started reading it from a place of honesty and hope.
My husband and I had MANY "discussions" those first weeks, negotiating how we could create a true partnership in our marriage regarding our money. Since then, we've created promises, budgets, goals and weekly check-ins. Sometimes it's easy, sometimes it's not, but we do it all with the goal and intention of having integrity, strength and empowerment for our family's future.
I've always believed on some level that things work out, but secretly beat myself up about my lack of freedom with money. I can say that I have not been doing that since implementing Melissa's principles in "Living the Savvy Life". With incredible gratitude, on a daily basis, I pay attention, fulfill my commitments and really do perceive endless possibilities.
~Dusty Meehan, Marketing and Sales Agent, Denver, Colorado
Most Recent Customer Reviews
Excellent! A very well organized and practical guide. Ordered additional copies for friends.Published 12 months ago by jennetta white
Informative and entertaining. This books gives many tips to improve lifestyle and finances.Published 18 months ago by medvlit
I really like the concept of living savvy. The road to financial solvency is based on a very simple rule: spend less than you make. Read morePublished 19 months ago by Phenomari
Reading this actually made me excited to start budgeting. Great, helpful book!Published 19 months ago by Gina sturdy
This bordered on the edge of a 5 star review. It discusses the topic of spending as a personal decision and what can affect those decisions from keeping up with the Jones' to peer... Read morePublished 20 months ago by LadyLocust