Hey there Prophecy,

I'm in a similar situation; nearly all of my gil went to buying and building my house. We're both working toward being able to furnish them so I sympathize with you. That being said, keeping my house is good enough reason to go inside. I make it a habit to always log out in the house since teleport fees are small and Returning to where I was questing is free. On top of that. Logging out in your house is a sure way of making sure you get rest XP. If you need another reason to go inside, may I suggest investing some GC seals in a summoning bell and doing your MB stuff from your house rather than elsewhere?