How I Wasted Over $13,000 Refinancing My Mortgage

In 2004, my first mortgage was a 30-year 5/1 ARM at 5.25%. If that information confuses you, don’t worry. I was completely confused too when I signed up for it at 22 years old.

I didn’t care though. After saving up $20,000, I was thrilled to put that money into my first house down payment. I was proud to be a homeowner.

That’s what we’re supposed to do, right? Buy a home so we’re not wasting our money on rent?

Well, homeownership can be a smart move for some, but not the way I did it. I made two mistakes right away with my first home:

  1. Signing up for a mortgage that I didn’t understand
  2. Committing to homeownership costs that I could not afford

Continue reading “How I Wasted Over $13,000 Refinancing My Mortgage”

Meet the Hill Family – Nicole, Zoey (5) and Calvin (3)


We have reached a true milestone today my friends. Episode 50! FIVE-ZERO! That means for the last 50 weeks, this podcast has been focused on helping you and your family win with money.

Continue reading “Meet the Hill Family – Nicole, Zoey (5) and Calvin (3)”