How a CFP Celebrates Her Money Wins

People may often imagine that when they reach their milestones, there will be fireworks and party buses along with a huge celebration. And while sometimes there are, most wins are simply small steps you take every day until one day you wake up where you visualized you would be. That is why it is important to celebrate it all — the ups, the downs, the wins, the steps forward, and sometimes even backward. Without awareness and reflection, you might miss out on celebrating how much progress you have made in your financial life. By acknowledging even the so-called small things, you can keep the momentum alive and feel good about yourself.

Here are some ways I celebrate my money wins, no matter how big or small:

Tell my family and friends.

By sharing my money wins and even challenges with my closest friends and family, it opens me up to Read the rest

Buying Local Statistics for 2021: Survey Finds 70% of Americans Shop Small

Amazon and other leading ecommerce giants have changed the shopping experience in recent years. Easy one-click buys and same-day delivery are what 80 percent of shoppers now look for when shopping. This ease earned Amazon $96.15 billion in yearly revenue by the end of September 2020 — all while the COVID-19 pandemic continued. Stay-at-home orders throughout the year and the need to support small businesses grew as large ecommerce sites took the spotlight. We set out to understand buying local statistics to see who’s shopping local, and why and how they’re doing so.

Small businesses were affected greatly in 2020. Due to COVID-19, many shoppers opted for online orders and same-day delivery — things most small businesses couldn’t match. As a result, small business sales decreased, and up to 50 percent of shops closed in some countries.

For the local shops still standing, the overwhelming support of consumers definitely helped. … Read the rest

Closing on a House: The Most Important Parts of the Process

This article includes general information. Mortgage laws vary by state. Contact a mortgage lender in your state for specific details.

Let’s cut right to the chase here: Real estate transactions can get complicated. Most of us simply don’t purchase enough property to possess an innate familiarity with the process. Whether you’ve dabbled in the market before but never committed, you’re a repeat home buyer, or you’re completely unfamiliar with real estate to begin with, you should start to formulate a plan well in advance of a closing so that when the time comes, you’re confident and ready to rise to the occasion.

Closing may pose a challenge even to seasoned professionals as they navigate negotiations and shop around to compare home insurance quotes, all while keeping in mind that a home and a lifestyle is on the line. It can be tempting to disconnect emotionally in order to seem … Read the rest