Living The Savvy Life: The Savvy Woman's Guide to Smart Spending and Rich Living

Money affects every aspect of our lives. It affects how we dress, where we live, what we eat and how we spend our free time. It affects our emotions and enhances or detracts from our enjoyment of life. Effective money management is about so much more than just 401(k) contributions and saving money at the grocery store.

No matter how much or how little money you earn, the key to financial success is to spend less than you make. However, the majority of Americans spend unconsciously, wasting money on purchases that give them little satisfaction for their investment. Living the Savvy Life teaches how to create habits and routines that allow you to build and manage your finances effortlessly. By learning how to focus spending on what is truly important to you and economizing on those things that are not as important, you can successfully manage your personal finances and enjoy life regardless of your level of income.

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.