The current narrative is that home prices have risen so much so that it is no longer a smart idea to purchase a home. Your family and friends might suggest that buying a home right now (whether a first-time home or a move-up home) makes absolutely no sense from an affordability standpoint. They are wrong! Homes are more affordable right now than at almost any time in our country’s history except for the foreclosure years (2009-2015) when homes sold at major discounts. As an example,... [read more]

Thanksgiving marks the beginning of the holiday season, a time spent with family and friends. Using the natural bounty available at this time of year is a great, inexpensive, and environmentally friendly option for decorating for the holidays. Here are a few creative ideas for your Thanksgiving decorating!   Harvest Vegetables   The vegetables that are available during the harvest season are not only great to eat, but are also a beautiful and inexpensive way to decorate... [read more]

We are who we think we are. You demonstrate a poverty mindset when you view the world through the lens of someone in poverty instead of the wealthy woman you really are. Those who SEE themselves as wealthy and prosperous without a shadow of a doubt BEFORE it happens, are almost guaranteed to experience it in reality.   Symptoms of a poverty mindset   Spend a vast majority of your time focusing on entertainment and entertainers lives. Spend an excessive... [read more]

With the holidays quickly approaching this is a good time to take stock of your worth. There are a lot of women who believe they are successful because they have a lot of income, but are in essence wearing all their hard earned money on their back, and feet. However,  your net worth is more of an indicator of wealth than an income, because it shows you how much you have amassed in capital, liquid assets, and other forms of investments other than cash. Another way to look at it is... [read more]

The mortgage lender will give you a mortgage, but a down payment will be required. Some of the most popular questions is how much money do I need down? How much money do I need to close?   We always talk about down payment, but the reality is you will need both down payment and closing cost to purchase your home.   There is a wide variety of loan programs with minimum down payment requirements ranging from 0% to 20%, and closing cost can run an average of another 3% to... [read more]