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.

I’ve shared my personal victories, failures and reviewed our family’s goals for the future. 

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