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Author, speaker, and teacher, Melissa Tosetti founded the online magazine, The Savvy Life, and, with coauthor Kevin Gibbons, wrote the book “Living the Savvy Life: The Savvy Woman’s Guide to Smart Spending and Rich Living” (Morgan James Publishing 2011). Her book explores ways the reader can save money, so you have more to spend in the areas that are important to each individual. Melissa teaches courses on savvy living in the San Francisco Bay area and at Chabot College in Hayward, California. She also teaches Kung Fu and Fearless Fitness classes. Her hobbies include traveling with her family, horseback riding, gardening, and cooking.


Monica Hadley is co-founder, host and producer of Writers' Voices on KRUU 100.1 fm in Fairfield, Iowa, a community low power radio station, and webmaster at

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