If you're going to pick a year to remember, 2020 stands out for all the wrong reasons: The Coronavirus/Covid-19 pandemic, historic job losses, massive global unemployment, serious recession, and a stock market that took a heart-stopping dive.  That said, there's still time to start 2021 on the right foot with 5 Top Best Money Moves?:  1. Create a snowball savings plan. If consumers learned one thing this year, it's that emergency savings are crucial to getting through an extended period of economic instability. Setting aside even $50 per month will help.  2. Refinance now. In 2020, mortgage interest rates hit an all-time low 14 times! Roughly 20 million homeowners (about 40 percent of all homeowners with a mortgage) can benefit, and will save an average of $309 per month. Is that you?