@elanorbreton Yes, I do believe so. I'm not sure because I have never gone without one. It would be best to have one if you can use a money cheat. I highly recommend the cheat:
Ctrl>shift>c
Testingcheats on (or) testingcheats true (whatever one works for you)
money ______ (fill in the _____ with the amount you want in your household funds. If you want 25,000 household funds type money 25000)
Hope I helped! Happy Simming! -@powers6180