Acknowledgments
Table of Contents
Introduction Money Affects
Everything
Chapter 1 The Savvy Life
Philosophy
Chapter 2 The Golden
Rule
Chapter 3 Savvy
Habits
Chapter 4 You Can Afford
It
Chapter 5 Where We Spend Our
Money
Chapter 6
Home
Chapter 7
Entertainment
Chapter 8
Wardrobe
Chapter 9
Beauty
Chapter 10
Food
Chapter 11
Money
Chapter 12 What is Important
to You?
Chapter 13 Savvy
Shopping
Chapter 14 Celebrity Savvy
Life Role Models
Chapter 15 The Core of the
Savvy Lifestyle
Chapter 16 Tricks to Stay
Motivated
Chapter 17 Your Savvy
Life
Chapter 18 Favorite
Resources
About the
Authors
Melissa Tosetti is the founder of the online magazine, The Savvy
Life. She is an author, speaker, and teacher. Melissa’s passion is
to show Americans how step off the pendulum that swings from
overspending to extreme frugality. She believes balance is the key
to enjoying life with financial security. Melissa co-wrote a
chapter on savvy living for the book, Your Military Family Network.
She has appeared on numerous episodes of Pocket the Difference on
the Fine Living Network, The Real Deal with Jeanette Pavini, and on
Eye on the Bay. She is repeatedly quoted in nationwide publications
including U.S. News & World Report, TodayShow.com, Chicago Tribune,
and Detroit News. She has chaired panels on savvy living at the
Professional Businesswomen of California conferences in San
Francisco and Sacramento. She also teaches courses on savvy living
at Chabot College in Hayward, CA and around the San Francisco Bay
Area. Melissa is a second degree black belt in Choy Lay Fut
Kung Fu and moonlights at Fearless Fitness in Foster City, CA. She
teaches Kung Fu and fitness classes. In addition to teaching at
Fearless, she is also a coach for FFIT@home (www.FFIT.tv), which
allows you to download Fearless Fitness’ Intensity Training classes
to do in the privacy of your own home as well as offering nutrition
advice and support. Whether talking about money or calories and
fitness, Melissa’s message is still the same - balance. Melissa
loves adventuring with her husband Paul and son Dante, whether it
is in their own backyard or while traveling across the world. In
her downtime, Melissa can be found cooking, gardening, horseback
riding, reading, or watching the Food Network and the History
Channel.
Kevin Gibbons is the Managing Editor of The Savvy Life. Kevin
brings his 20 years’ experience as an engineer and program manager
in the high-tech arena to help keep The Savvy Life running
smoothly. In addition to maintaining production schedules and
working with Melissa to determine content and editing, Kevin also
contributes articles on managing finances and cooking. Kevin also
co-wrote a chapter on savvy living for the book, Your Military
Family Network. A scientist by training, Kevin lives the savvy life
as it allows him to afford his assorted hobbies which range from
photography to motorcycle riding to miniatures, modeling to gourmet
cooking to compulsively reading everything he can find. Kevin and
his wife live in the San Francisco Bay Area. Their house is full of
19th century and Art Deco antiques they found at belowmarket prices
and bought by saving and purchasing on layaway.
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