Tuesday, May 12, 2009

A Little of Everything!

I haven't called this The Juggling Homemaker for nothing! It's always a juggling act here, trying to keep so many different things going at the same time. My mom is out of the hospital, but still having some struggles, so I've been trying to do what I can there, though it's not as much as she (or I, for that matter) would like. It's hard when you have your own family to take care of to do much of anything else.

We're still working on our yard and went and got more compost from Wasatch Integrated Waste Management at $25/truckload--not too shabby! :) We also got some of their medium sized bark at $10/truckload for our flower beds (okay, I'll be honest and call them weed beds--but we're working on it). We're going to whack the weeds down, put down another layer of weed barrier (better stuff, this time) and throw the bark down on top of that. Take that weeds!!! Haha! It was back-breaking labor to unload those loads from the back of the pick-up. Believe me, I'm feeling it today!

We could have saved on the back pain and had someone else come out and deliver that stuff for us, but financially that just wasn't feasible. We had to cut some things out of our budget to do it the way we did. But in reality, it will help if we end up having to sell, since it will add some curb appeal to not have massive weed jungles on all sides. It's impossible for me to keep up with it all! Hopefully it won't come to that, though. And to be honest, it probably wouldn't sell for what we'd need anyway....ah well...moving on!

We had optimistically got a movie from Redbox to watch last night. We didn't get to watch it because the work took longer than we thought. We didn't even get to staining the playset! So I'll more than likely have to pay for another night.

Yesterday was the last free weekly Monday they're doing, too. Yeah, I know, it sucks. I wish they would continue doing it weekly, as I only recently started taking advantage of it, but they're not giving us as good a deal anymore. However, they are going to start doing free monthly Monday starting next month, for over the summer. We'll be taking advantage of that. For more information you can go to Inside Redbox.

As for our HASP application, we're still waiting to hear. The waiting period keeps getting longer, as more people are learning about (good!) the program and applying for it. They said it could be anywhere from now to another three weeks before we hear. So far we're still scraping by.

I've learned this will all come down what they call the Net Present Value Analysis. That's where, after reviewing all the information they have for your application, the market, and your property, they decide if the mortgage investor would make more money on a loan modification or a foreclosure. They also weigh the risks of your situation in their decision. Hopefully, between the down market and the incentives the government is offering them, our situation will look more profitable for a modification. I found an online explanation that explains this better, if you're interested.

Anyway, we're plugging along. Overall, I'd say I have more to be thankful for than to complain about. I just have to remember that on the bad days ;)