Guest Post: My Family On A Budget

Today, I have a guest post featured on My Family On A Budget.  Below is a snippet, but please click on over to read my post on paying off debt.


My parents instilled in me from a young age that debt was detrimental and something to be avoided.  Growing up, I noticed my parents’ obsession with paying off their mortgages.  Each month, they would make extra payments in order to have the house paid off as soon as possible.  I didn’t quite understand why they would do this.  I figured if the bank was them the money, that they should spend their money elsewhere.  But, they believed that the less debt they had, the better they slept at night.


Buying My First Home

It wasn’t until I bought my own house that I fully understood what they were talking about.  I bought my first home in 2004.  I honestly thought that I would stay there for two years and then flip the house for something bigger and better.  Living in the house going on 13 years now, it is obvious that things did not go according to that plan.  


Affording the Home

When I originally bought the house, it was definitely more than I could afford by myself.  But, as you know, banks weren’t really concerned about that during this time.  I took on three other roommates to help defray the bills associated, but I was still paying over half my paycheck towards the house.  


At that point, I knew I needed to increase my pay.  I went back to school at night, at my local community college, in order to pick up accounting credits.  By doing so, I was able to qualify for higher-level jobs.  These night classes opened a door to an accounting job in the government, which also coincided with a pay raise.  

Click over to read the rest!

Mustard Seed Money

Welcome to the website. A mustard seed is a very small seed but astonishingly grows very large over time. My hope is that through your financial journey that your small investment in time, money and faith will grow beyond anything that you could ever imagine.


  1. It’s so refreshing to hear your parents preached debt avoidance. 🙂 My parents didn’t know any better and always told me debt was normal. Naturally I had poor money habits as a young adult since I approached debt as the norm. Oof!
    Mrs. Picky Pincher recently posted…What A Frugal Weekend!My Profile

  2. The housing market in LA right now is just off the charts ridiculous. For a moment, my husband really wanted us to buy a house even before we got married – but he snapped out of it THANKFULLY… Realizing that right now, it’s just straight up ridiculous.

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