Friday, December 24, 2010

I'm a HubNugget Candidate!

I'm sure many of you remember me telling you recently that I wrote about an experience I had with a homeless person on HubPages. Well, I didn't expect anything to come from it, other than to get people thinking about this issue, but it turns out, it got me nominated for the HubNuggets Award!!!!

This is an award than can only be won by new writers to HubPages and I'm so excited that I got picked! Winning it though, happens on a voting system. So if you wouldn't mind going to this link and reading it (if you haven't already) and voting for it if you like it (by clicking the vote-up button), then I would be very thankful!

By the way, I  hope you all are having a Very Merry Christmas!

Saturday, December 18, 2010

I'm on a Giving High

We were getting some groceries today when a man in a wheel chair caught our attention. He was holding a sign, asking for help, much like the man I told you about a few weeks ago. This man was younger though, maybe in his 30s and was wearing a thin jacket.

Because of the experience I'd had before, we'd talked about what we could do as a family to try to help and make a difference to those who needed it. We decided that instead of letting our numerous coats take up space in the closets, we would go through them, take out the ones we weren't using and put them in the car in case we came upon anyone who needed them. Today we got to give the first one. The man was grateful and never asked for any other thing from us.

It's funny how something so simple can have such an impact. We were able to give something we no longer needed to someone in distress. It was no effort on our parts, beyond going through our closet (which really needed done anyway) and it cost us nothing.

The feeling we got in return though, was priceless. If only every reward in life were that easy to obtain! I thought I'd share this with you, in the chance that you may also have some extra things in your house that you might give to someone in need. You don't have to venture out and look for those who need it if you prefer not to (and if you're alone, you probably shouldn't do it that way anyway), but there are organizations (such as the Salvation Army, Deseret Industries, etc.) you can donate your surplus items to. It takes very little effort, and the reward is instantaneous.

So if you happen to be in a giving mood, and have something you're able to give, then what better time to do it than now? God Bless!

Friday, December 17, 2010

Last Minute Shoppers Will Jump on This Deal!

I remember the days when I left everything to the very last minute when it came to Christmas. But with the popularity of shopping online, I've jumped onboard and have gotten things done in record time this year (a record for me anyway). I almost wish I had waited though, when my brother-in-law mentioned a deal he got on Amazon today. I checked and it's still there! What's the deal you ask?

It's a Playstation 3 160 GB for $298.30. That by itself isn't a bad price, but it comes with a $100 promotional credit toward the purchase of items shipped and sold by Amazon.com. If you're like me, and use Amazon for anything from diapers, to movies, to books and even clarinet reeds, then this is an awesome deal. I nearly went for it myself when reality sat in and I realized we'd spent our Christmas budget and I'm supposed to be budget-wise. Haha! Darn that voice of reason!

Anyway, if you have a gamer in your household and have been thinking about getting one of these, this would be the perfect time. It also has a built-in Blueray player, which by itself is a great thing.

Just thought I would share, just in case any of you out there are seeking some deals for you last minute shopping! Good luck to you!

Thursday, December 16, 2010

Don't Get too Caught Up

With nine days left 'til Christmas, retailers are being swarmed with customers anxiously trying to complete those Christmas lists. Businesses are bombarding us with advertisements for all the latest and greatest gadgets for the special people in our lives. We want to wow our loved ones on Christmas day, so we scramble to get all those things on their wish lists in hopes they will feel loved and that they will love us more in return.


It's so easy to get caught up in the hype, and no doubt it's a great feeling to watch someone's face as they open a gift you've given them. But it's important to not forget what this whole thing is about in the first place. And just what is Christmas about anyway? If you ask a child, no doubt you'll get the answers: "Toys!" "Presents!" "Santa!" "Reindeer!" and "Cookies!" We have to admit, that's certainly become a big part of it. But is that really the most important message we want to send?

I have some friends and family members who have experienced job loss in this economy. They all have families to take care of and children who are anxiously awaiting that jolly old elf. Some have asked for help from their churches or from family to provide some of those presents under the tree. Others are scaling back and only providing the necessities. All are feeling the pressure from outside sources to give more than they are financially capable of this year.

It's easy to get caught up in the holiday shopping hype, and heaven knows I've done it too, but we need to try to take a step back and remember why we do this in the first place. Christmas isn't about giving our children, family and friends the latest and greatest things money can buy. It's not even about that big dinner you may serve to your loved ones. It's not about the parties or the cookies or the cards. While all of those things are nice, and feel great to both give and receive, it's the by product of the holiday, but not the reason for it.

Christmas is about the gift we all were given with the birth of our Lord. The way He came to be in this world; the lessons He taught while He was here; and the way He died for us were His ultimate gifts to us. These are gifts we will never be able to match, no matter how hard we may try.

It's so important to not let the message of the season get lost with all those material things. Christmas is about giving. Most of us got that part of the message. But it's not about having the best gift or the most gifts or the right gifts. It's about coming together and sharing, loving, caring, helping, and remembering. It's about all those good things that we all love to experience and be the recipients of. 

So maybe this year would be a good year to sit down and talk about why we celebrate this holiday, or any other holiday. You might find that the memories you create with this discussion will be more lasting than any one of those presents under the tree.

Tuesday, December 14, 2010

Christmas Entertainment for Families

One of our favorite activities as a family is watching movies. We like all kinds, but at this time of year we take out the Christmas movies and start watching them in November to get into the Christmas spirit. I decided to write up a short list on HubPages (though I made add to it later, as I realize I've left off lots of really good ones!) of some of the great movies we've watched again and again.

It's entertaining, cost effective (as we're only out the one time cost of the DVD--oh, and the popcorn) and it can create some great memories of time spent together family. So, if you're looking for some ideas to watch with your own family, or even on your own, check out my list. I'm open to hearing what you're all watching too. The list is by no means all inclusive!

Christmas Movies to Watch with Your Family

City Deals

I've been using this site for a few months now, and I've yet to be disappointed. If you're looking for cheap family entertainment, then City Deals is definitely the place for you. The first deal we ordered was in October and I jumped on the passes to Cherry Hill's Halloween attraction, Scary Hill. I got six passes for $14 (it would have been $24, but I had a $10 referral bonus I used). This ended up being quite the deal for all we got with it, and we'll be sure to watch for it again next year, since the kids had a blast.

They offer discount certificates for amusement parks, movie theatres, restaurants, bowling, golf and many other things you can think of. Plus, they're constantly expanding. They also have a feature that will allow you to request a deal from a business you're interested in, but can't find on their site.

Right now is a great time to check them out, as they're offering even better deals for Christmas. The gift certificates you can find on there are a very affordable gift idea for that special someone on your list.

So if you haven't already, be sure to check them out. Go on and save some money and have some fun while you're at it!

Saturday, December 4, 2010

Finally Done with Christmas Shopping!

I think this is the earliest I've ever finished my Christmas shopping, but man, am I glad to have it behind me (now it's the thought of the wrapping that's intimidating). I did a lot of my shopping on Amazon (love those Lightning and Gold Box Deals they're doing for the holidays), through book clubs (buy one, get one with free shipping for members), Kohls (with those coupon codes from RetailMeNot), The Children's Place (yes, with coupon codes and clearance deals) and Barnes and Noble (with a 30% off one item coupon code: H4W9V7M--which I got for signing up for their kids club).

Oh, and speaking of some of those Amazon deals, I found The Twilight Saga: Eclipse (Two-Disc Special Edition) for only 17.99! So if you're a Twilight fan, I'd jump on it before that deal is gone. This could also be a gift idea for the Twilight lover in your life.

I've definitely gotten my money's worth this year and I've got more to show for it, too. Which is a good thing considering that I've got a larger family this year! We're actually spending less money this year, compared with last year, but I don't think anyone would notice. Not only that, but our kids are great and are thankful for every thing they receive (and if they weren't, I'd seriously consider giving them coal instead! Haha!).

So how are all of you making out? Got any tips you can share? I'm wishing you all a very Merry Christmas and Happy Holidays. Whatever holiday you celebrate, may this season bring you only good things!

Friday, December 3, 2010

What's in Those Video Games?


If you're anything like our family, then you're probably overwhelmed with all the possible Christmas gift ideas for all the people on your list. One of the things that is probably on that list is a video game (or two!). But unless you're a big time gamer with multiple subscriptions to those gaming magazines, then you might be lost as to what kind of game you want to buy.


I've learned what works and what doesn't and have narrowed it down in my article for HubPages for those of you who are in the same boat I found myself in. Take a look!




Tuesday, November 30, 2010

Make Your Own Easy Bake Mixes!

So my oldest daughter got an Easy Bake Oven for Christmas a few years ago. At the time, we bought several mixes to go with it and payed little attention to the portion size or cost. Well, she liked it, but it wasn't something she could do by herself back then, so after a few uses it was put in the cupboard with the leftover mixes and mostly forgotten about.

Well, she found it last night. I was busy taking care of the baby, and she begged to use it. I finally said she could, if she could do it all by herself (she's ten now). She readily agreed to those terms and I listened with half an ear to how she was doing with the whole process from the next room. She did great! In fact, she loved it so much, she declared after using all the mixes up that she wanted more for Christmas.

I've been trying to figure out what to get her anyway, so I jumped on the idea. Well, after spending a part of my morning searching for Easy Bake refills, I'm very disappointed. Are they serious? Sure these mixes have a long shelf life, only need water and are very convenient, but are they really worth $6-$15 for what amounts to only a few cookies and tiny cakes (okay, so I'm not counting the learning experience)?

Maybe I'm just cheap (the economy has certainly contributed to that) but I just can't do it! Still, I don't want my daughter's budding interest to fly out the window either. Though she does bake with me quite a bit at this time of year, she felt a real sense of accomplishment in doing it by herself and I didn't have a heart attack at the idea of her operating my kitchen equipment. LOL

So I did a search on whether or not you can make your own Easy Bake recipes and I found a website that offers a ton of them! They even rank them as to how easy or hard they are. That's awesome! So I quickly saved it in my favorites and decided I had to share that link for 250 Easy Bake Oven recipes with all of you.

So if you decide to get your little one an easy bake oven (lots of fun, and pretty inexpensive by itself), don't go broke buying up all those mixes! Let your child keep on learning and make your own mixes. It's a great way to save money!

Wednesday, November 24, 2010

The Homeless Dilema


I just had to write an article after the experience I had leaving the store today. I thought I'd share it here with you. I'd love to hear your thoughts on this issue.

The Homeless Dilema

Tuesday, November 23, 2010

Sam's Club's Black Friday Offer


If you've been tinkering with the idea of getting a Sam's Club membership, but couldn't quite decide, you might be tempted to do it this Friday. Their doors will open at 5 a.m. and they'll even give you free breakfast. If you decide to get the membership, or upgrade your current membship to a plus membership (which is guaranteed to save you at least $200 a year, and is 100% money back guaranteed), then they will give you a $25 gift card. Apparently they're doing this offer from November 26-28.

I don't know how crazy they get on Black Friday, but it all sounds like a good deal to me (especially since I often find some great deals on toys, games, movies and clothes there for my kids for Christmas there every year, even when it's not Black Friday).

It's definitely worth checking out :) Click here to select your local club for the details.

Great Deal on a Stand Mixer on Amazon!!!

I'm always browsing on amazon to see what the current deals are, just in case something I've had my eye on for a while gets cheaper. Sometimes I get lucky, but mostly I just kill a little time in between my many other mommy duties. Today though, was a good day!

I've been wanting a KitchenAid Stand mixer for a few years now. I bake a lot of cookies, make a lot of mashed potatoes and mix a lot of various other doughs. It would really cut my workload in half. But I just couldn't drop that kind of money. The one my hubby wanted was $500! No way! I can just get mixing elbow! Haha!

But today (and I don't know how much longer) you can get the Professional Line, 6 quart stand mixer in either caviar (fancy name for a black color) or meringue (fancy name for white) for only $249 after a $50 rebate (the form in on the product page). That's 50% off!

If any of you are in the market for this, it's a great time to jump on it. It would be a great Christmas gift too (I got mine early haha).

Monday, November 22, 2010

I'm Not Wicked, I'm Just Crazy

We all heard the fairytales growing up, and enjoyed hearing the antics of both the heroes and villains. Have you ever wondered though, what the other side of those stories would sound like?

Well, now you can find out what the wicked stepmother says really happened in Snow White. You might be surprised at how it all went down!

Check it out! :)
I'm Not Wicked, I'm Just Crazy

Don't Go Broke Buying Those Books


If you're thinking about buying books for Christmas gifts, or any other reason, be sure to check out my tips on how to get them cheaper in my newest article:

Don't Go Broke Buying Those Books

It will not only save you money, but will give you more bang for you buck!

Tuesday, November 16, 2010

Save Money Shopping Online


Have you ever noticed on some of those online shopping websites that when you get to the checkout there's a space for a coupon or promotional code? When you saw this, and didn't have one, didn't it make you wonder how much you could have saved if you did? I know that happened to me. But not anymore.

I've discovered the coolest website that has promocodes for just about any online retailer you can think of. It's called RetailMeNot. So now, any time you're getting ready to check out your cart and you see that little box giving you the chance for additional savings, make sure you go to that website to see if you can get that discount. It's saved me hundreds already!

Are Parents Really Just Addicts?



It seems I'm finding all kinds of reasons to write lately, and today is no exception. When I logged in to the internet this morning I saw the headline to an article I just couldn't ignore. What was it? Parents Are Junkies. Did that just capture your attention in the same way it did mine?

I read it and had such a problem with several things stated in it that I did something I've never done before, I wrote a rebuttal. So a positive came out of the experience and I got to vent with my writing.

If any of you are interested in what I had to say, you can click on the link below here. Let me know what you think of my view.
Are Parents Really Just Addicts?

Monday, November 15, 2010

Free Offer for Family Circle--Hurry!


You can get 2 free issues of Family Circle with no cost or obligation by going to the ValueMags site. All you have to do is go to this website and tell them where to send your free issues. You will never receive a bill and no credit card is required. I just ordered mine, too! Hurry! Quantities are limited!

Lost Time


I spent a part of the weekend polishing up more of my fiction. I've got another one on Hubpages for those who are interested in reading it.

I might not be making a ton of money by putting these up, but I love sharing them. They're likely to get more attention this way than sitting in my desk drawer, right? Plus, I really love going over it all again. The nostalgia is great! :)

Lost Time

If you like this, or any of my other short stories, feel free to share them. It's really easy to link to them :)

Get the Best Deal on a Used Vehicle



Some of you may remember me saying that we bought a truck this summer. We ended up paying over 50% off the dealer price for it. Though it came with some issues that cut into our overall savings, we still came out ahead.

A lot of people have asked me how we did this. I decided to write an article about it to share exactly how we did this. If you or someone you know is thinking of buying a car in the near or even distant future, don't do it until you've read this:

Get the Best Deal on a Used Vehicle

I wrote this article on Hubpages so that it's easier for the general public to find and won't be buried by other blog posts. Also, I've decided to take part in the 30 Hubs in 30 days challenge. Wish me luck!

Thursday, November 11, 2010

Check Your Credit For Free! No Catch!

I've already told you about how to get your free credit report from Annualcreditreport.com. But it turns out there's another way to get not only your credit report, but also your credit score, profile and other extras for free. No, I'm not kidding.

I stumbled on this site by accident after my husband won a year of free credit monitoring from Quicken Loans. They're currently doing a sweepstakes, which I found on Freebies4Mom. Anyway, I decided to see who this company was who was doing the credit monitoring. It's called Quizzle.

They do offer other optional upgraded services for a fee (including helping you with a budget and giving you credit improvement tips), but you get quite a bit for free and you don't have to purchase anything or give them your credit card number. You don't even give them your social security number. How then, do they look up your credit report? With your name, address and birthdate.

You can find out more about the company in their FAQ section. Go check it out and stay informed!

Forgive Me, Daddy


Here's another story I put up on Hubpages today. All-in-all I think it's been a very productive day. It's felt really good to pick up my fiction again for a bit. Even just polishing it up and then writing a short history on it is a great release. I think I'm learning from this experience too.

Don't worry though, I promise not to stop doing articles;-)

Forgive Me, Daddy

Shadow Of a Man


First of all, Happy Veteran's Day! I'd like to thank all the men and woman who have and are serving our country and protecting our rights. May God be with you always!

I decided some time in the middle of the night last night that I wasn't going to let my short stories sit in a drawer, gathering dust anymore. So I decided to put them on HubPages to share them, along with a little bit of the history behind them. There's even a chance that I can make money from doing something else that I love! So if you want to read some short fiction, the link for the first one is below here. It's an appropriate read for this holiday :)

Shadow Of a Man
*The picture here is of the war veteran this story was written for*

Wednesday, November 10, 2010

Another Avenue for Revenue


After much research today, I've discovered another way to make money writing. If you like to share your experiences and wouldn't mind making money doing it, check out HubPages. You can also make money by referring others. It's a pretty straight forward process to write articles and then link your adsense, amazon or other affiliate programs to your page; therefore generating revenue for your pocket.


Here's the link to my first Hubpage:
How to Modify Your Mortgage

Another great thing about this is that I get the word out on how to be successful in modifying your mortgage. Two birds, one stone (not that I'm into killing birds, now that I think about it. Whoever came up with that saying anyway? Hah!).

e-How Writers change to Demand Studios

I starting writing for e-How last year, and was quite excited about it to begin with. After writing six articles though, and realizing that the only way I would make money off of any of them was if people clicked on the ads displayed on my articles' pages, I quit writing for them. I kept my account open though, and basically forgot about them.

Then, this year, e-How stopped accepting articles through their website and switched everything over to Demand Studios. I received notice that I had been approved to write for them, but the way things worked would be quite different as far as article submission and payment.

For starters, there is now a copy-editor involved. This copy-editor can tell you to rewrite your articles and even outright reject them. That's an intimidating thought, but not a deal-breaker. The fact is, most people could use a copy-editor and I'm no exception. In fact, if I could get one for free right now, I'd have them go over everything I write, so that I don't make myself look like an illiterate idiot with some of the typos I make. Yikes!

But then there's also the way payment works. Apparently it's a flat fee (some say it's only $15 per article). That might not seem too bad for some people at first sight--especially considering I had stopped writing for e-how after only making $12 the first six months on six articles--I must tell you that I now wish I'd written more for e-How before the change-over. Why? Because those articles are still making money and I'm not having to do anything now but watch it happen. Though the amounts are still quite paltry, it's increasing over time and will eventually surpass that $15 flat fee per article. That's what you call passive income.

So, I'm unsure on whether or not I'll follow through with the Demand Studios account. I can't rule it out entirely as a possibility to make money writing. They have a great reputation for paying each friday with a transfer to your paypal account. Dependable income can't be overrated.

I'm sure I don't know all there is to know about this company, so if I discover anything new, I'll let you know.

Bad Blogger! Bad!

Okay, I know I've been neglectful, but I'm hoping you'll be forgiving and realize that it does take quite a bit of time to raise a family with five children. Gee, who'd have thought it? ;)

On a positive note, I am continuing to learn of more great ways to make money and save money. This is, of course, my mission in life. I'll never tire of that, and so I'll always have fodder, I should think, for writing helpful posts for my readers here. The only hard thing is getting the time to sit down and organize my thoughts and information so that you can get the most out of it. I also have to make sure it's not gibberish and the obvious product of a sleep-deprived brain! Haha!

So on that note, I'm still here, and I'm still willing to help those who can use my experiences to better their own lives.

Saturday, September 11, 2010

Savings for New Moms

As new mom of an 8 week old baby, I know how pricey things can be. If you're able to breastfeed, that's the ideal nutrition for your baby and a real saver on your pocket-book, but it's not always possible.

There are savings out there for moms who use formula, so be sure to take advantage of that if you can. A few websites out there where you can sign up for samples of formulas and coupons are:

Strong Moms (Similac)
Enfamil
Gerber Good Start

You can sign up at any one (or even all if you choose) of these websites for free gifts, coupons and samples. So be sure to take advantage!

Another great program out there to help you save on diapers is Amazon Mom. This is a new program that gives you savings of 30% on diapers. You get 3 free months of Amazon Prime Shipping when you sign up, plus earn an extra month free for every $25 you spend in the baby store.



So what are you waiting for? Go start saving! :)

If You're "HAMP-Y" and You Know It, Clap Your Hands!!!

We finally did it! We got our modification. It took nearly a year and a half since we first applied, but it's a done deal. We got the signed papers back from the bank last week and the new statement came in the mail with our lowered payment.

A Bank of America service agent told me that they've also put in the order to fix our credit, so that it will show that we've been current (this should be a big boost to our credit scores, which took a big hit when they wrongly reported us as delinquent during our year-long "trial" period).

It's been a long drawn out process, but I'm so happy that we saw it through to the end. I'm sleeping much better at night now. I know my prayers have been heard and I'm so thankful for how this has turned out.

I'd like to caution any of you out there who are trying to modify your mortgages, to watch out for the scammers out there. I know of people in our neighborhood, as well as family members of friends, who have gone to and paid outside sources to help them save their homes, only to watch their homes go into foreclosure when they've been told by the company they hired that everything was fine. Please make sure you check with the Better Business Bureau before paying ANYONE to help you.

Help is out there. You can do it on your own, as we did; or there are companies that can help you for free. For more information on this process, you can read about our experiences and all we've found out here.

God Bless!

Wednesday, June 30, 2010

Not a HAMP Success Yet


We finally found out what the hold-up on getting our final modification under HAMP was. It wasn't our so-called negotiator who let us know what was happening. It was a new gentleman from the Bank of America Office of the CEO and President. My case got transferred several times within that office and also several times from negotiator to negotiator within the Home Retention Dept. It's been a mess and has given me more than one nightmare--I kid you not.

Anyway, this guy actually seems to care. He gave me his direct number, returns my calls promptly and calls regularly with updates and whatnot. I haven't experienced this yet in the last year of our ordeal applying for the Making Home Affordable Plan which was set up by President Obama to help responsible homeowners to keep their homes. It's been a long, bumpy road and it's really refreshing to get some help from someone who isn't evading my questions (along with not returning my calls and passing our case on to the next person so they can ignore it too).

It's taken over six months to get an answer as to why this isn't all finished yet, but he found one for me, because he kept looking and didn't just give up when our negotiator couldn't give him an answer. Apparently, there was a problem with our signatures. They said that it looks like, for whatever reason, my signature, done with the notary that they sent out to our house, looks like it's been X-ed out. They should've received three signed and notarized copies, so you would think at least one of them would be acceptable, but apparently not.

In any case, we have to sign the same documents with another notary (this time we find our own), and then send them back in and get this finished up so they can stop reporting us as delinquent to the credit bureaus and get our new loan set-up and running in the system. As things look now on our account with them, it's a big mess, despite us jumping through every hoop that's been put in front of us and paying every modified payment on time for the full amount (we even pay the higher amount that I was told by one of the many reps I talked to over there, rather than the one on the paperwork, so there could be no excuse to have our modification canceled).

So, with the help of this new agent in the Office of the President, hopefully we can get this done soon and I can rest easy. We'll be praying for that, anyway.

If you, or anyone you know is going through this, don't give up. Keep fighting. There is a light at the end of the tunnel, it's just not so easy to see or get to at times.

Please be careful of the scammers out there who are preying upon people like us. The best place to go--as hard as the process may be--to save your home is to your very own mortgage company. Please don't pay attention to the mailings from outside companies who are claiming they can help you. We made the mistake of falling for a scheme like that once years ago and it didn't end well, though we came out smarter and stronger for it.

If it sounds to good to be true, it probably is. Keep that in mind. Help is available for free so beware of anyone offering to help you for a price. Also, there is support for you out there and one of the most informative sites I've found is Loan Safe.

Don't lose faith and remember that everything happens for a reason. God is there for us when we need Him, so don't ever hesitate to pray for strength or guidance. Best of luck to you all!

A New Look

I decided I was ready for a makeover. Not on me personally, since at 35 weeks pregnant there's not much I can do to beautify myself at the moment. Haha! But I did makeover my website here. I thought I'd go for something lighter and easy on the senses.

You'll have to let me know what you guys think. I probably should've taken the hour it took me to redo things, though, and spent it writing some more helpful tips for you all out there. Forgive me? ;)

Anyway, I think that the new layout should be easier to navigate and you shouldn't have to scroll down quite as far as with the old site. Also, I'm hoping the new color scheme will improve the mood of those who visit. :)

I hope you all are doing well. God Bless!

Thursday, June 3, 2010

National Doughnut Day


I have a weakness. Okay, well probably more than one, but we don't have to go into that just now. Hah! Anyway, I LOVE doughnuts. I'm not too picky about them either, though I do know the difference between excellent, good, edible and well, you get the point.

Anyway, imagine my delight when I checked my email today and found one from Krispy Kreme in my inbox. Apparently, tomorrow, June 4, is National Doughnut Day. What does this mean for you and me? Well, it means we get a free doughnut. Yay! I'm so there! Of course, this offer is limited to one per customer, but that's six free doughnuts for my family alone!

Here is a link to participating Krispy Kremes. I'm excited to report that there's one close to me! :)

So make sure to get your free doughnut tomorrow! Mmmmmmmm.....

Summer's upon Us

Well, you can definitely tell that summer is coming. I admit, I've been yearning for it. I feel like I'm in school all over again with all the work that's been coming home with the kids. I thought I'd only have to do that once? Hah! But after tomorrow, I get a break. No more researching on the internet to help dust out those cob webs in my brain when the kids come home with something I just can't remember how to do. I'm pleased though, at how much I did retain from my school years. ;)

I suppose we're not getting much of a break just yet. We've been working like crazy it seems. Our garden is in. We're combating the weed issue we had last year (originating from the field behind us) with some plastic mulch. It's very thin plastic sheeting made especially for gardening purposes and it keeps the the weeds at bay. We bought the black kind so that none of those weeds could survive underneath the sheets. We'll have to cover it with grass clippings or some other barrier as the weather gets hotter though, so that we don't scorch the roots of our plants. Wish us luck!

We had our first serious injury of the season last night, or rather my son did, while doing fun summer-day activities. Poor Tyler fell while rollerblading and broke one of his front teeth. He also knocked it loose--go figure. So we paid an emergency visit to the dentist and he's in for some more dental visits in the future. He's a brave kid and did the first visit without being numbed. I'm not looking forward to seeing that bill, though (think after-hour rates). Yikes! :(

We also finally, for the first time this year, turned our central air unit on last night. We've been opening the windows and using the ceiling fans up til now. We decided, when some neighbors were having some guests over, to close the windows so we could get to bed a bit early after our exhausting day. We got a nasty surprise when the the unit ran continuously for an hour and a half and the temperature stayed the same.

After checking the obvious things, like the fuse box and the breaker on the unit outside, we got out our wallets and called to have it serviced. Unfortunately, $90 later, we found out we need an electrician. Things do get better, right? Haha. Sometimes I'm more optimistic about that than others.

We're still looking for ways to save money, and have managed to cut some of our expenses by selling two of our vehicles and replacing them with one. It's saving us on our insurance, but I have to admit that while we got a good price on it (make sure to do your homework and check out sites like Edmunds before buying anything), it hasn't been trouble free. We got it several thousands below blue book, but have had to put a lot of that back into it for it to get on the road (think tires, ball joints, muffler...). We knew some of the issues going into it, but did have a few unexpected things come up too. But, that's the gamble when you buy whole sale and as-is. Still, we're within the low-book value of it, so I'm trying not to take it too hard.

If you want to know how we paid less than half the blue book price for our truck, I wrote an article for it on HubPages here.

On the up-side, the baby is doing great and I'm having a pretty good pregnancy this time around. Something I'm VERY thankful for. Over-all, my family is healthy. I have great kids and a good, hardworking, loving husband. So I should count my blessings and brave the bad stuff! :)

I hope all is going well with all of you! Remember, you have to experience the bad stuff to really appreciate the good. That's my story and I'm sticking to it!

Monday, May 3, 2010

Gephardt Round Two?

I wish I could give you all hope and tell you that our modification ordeal is finally over, but alas, that's not the case. Rather than wait around for absentee negotiators to deign to call me back and let me know why, after nearly five months from the date we signed our permanent modification documents, our credit is being slammed by false reports by BOA, our late fees are adding up and their system still shows our old payment and our account in severe arrears, I decided to email Bill Gephardt from Channel 2 news again. It seemed to help last time and I pray that it will again.

I decided to share my letter here with you all:

Dear Mr. Gephardt,

You may not remember me, but we spoke on the phone several months ago about my mortgage company giving me the run-around on applying for the Making Home Affordable Plan mortgage modification, even though according to the government website, our family was very much qualified to do so.

Anyway, perhaps because of you, they finally let us do it, and we were approved for the trial plan not too long after you and I spoke. I wish I could say that was the end of the story, but it’s not. Far from it.

According to the way Obama’s HAMP (Home Affordable Modification Plan, or Making Home Affordable) works, once you’re approved for the trial plan, you make three trial payments on time, and then are set up (assuming you have met all obligations and criteria) for the permanent modification. We made five trial payments. During this time, even though all our payments were made as agreed and very much on time, Bank of America (our mortgage company) reported us late to the credit bureaus—this is also against HAMP guidelines when you’re making your payments as agreed under this government modification. When I caught this, they fixed it the first time.

Five trial payments and many, many phone calls later, we finally signed our permanent modification documents in the middle of December 2009. We were ecstatic. Finally, we could see the light at the end of the tunnel. No more having to call them to fix our credit reports. No more getting statements from them in the mail saying we were delinquent, even though we were making our modified payments on time, no more dealing with lost paperwork, inaccurate information, or loan negotiators that weren’t very good at returning phone calls or even answering the simplest of questions. No more wondering how much longer we would make these so-called trial payments, or if we were going to have to suddenly leave our home with our children because of some error or decision made by the mortgage company.

Our permanent modification payments started February 1, 2010. We’ve made every one so far as laid out in the documents. We were told that it should all be put in the system in a matter of weeks. When that didn’t happen, we called and were told it would be about 30 days. At the end of that time we were told 60 days. At the end of that time we were told 90 days from the time we signed. You can see where I’m going with this, right? I continued to call and be put off. I demanded as courteously, but firmly, as I could to have some answers. I’m never given the same answers.

On my last call, I was told that while we’ve been improved on Bank of America’s side of things, our investor, Freddie Mac, has yet to approve us. It’s my understanding that they can’t even offer the permanent modification without investor approval to begin with. I’m so tired of this run-around. I want to feel secure in my own home. I want to know that if I plant my garden, I’ll be here to harvest it. I want to know that when I bring my baby home from the hospital, I’ll be coming to this home.

Our credit is being destroyed by this, too. They’ve started reporting us as delinquent to the credit bureaus again. I called them to fix it again. They sent a letter to me saying they would do so, but have not corrected it after more than a month later. According to their website, we’re over $12,000 delinquent, even though we’ve been making payments all this time. I fear that any day we’ll receive a notice of foreclosure and have no place to go because our credit has taken such a hit.

I’m exhausted from all of this. It’s a full time job on top of all my other things to do. Do you think you could help us get to the bottom of this? We would be forever grateful and in your debt if you would. You can read more about our situation on www.thejugglinghomemaker.com. I’ve outlined our ordeal on my blog for others going through the same thing—and believe me, there are many, many others. Also, if you want to know more about the program we’re under, you can go to www.makinghomeaffordable.gov.

I’m happy to help you help us in any way I can. Thank you so much for your time.


Anyway, I hope none of you give up out there. Stay strong and fight back! Best of luck to you!

Tuesday, March 23, 2010

Want More Money-Saving Tips?


There's another blogging mama out there who's got her system down when it comes to saving money. She's got her own website called The Savings Geek and I promise you that it's one you want to check out. If you do, I promise you'll learn how to save big bucks on things you already buy!

I also highly recommend checking out Swag Bucks. I use them for my search engine (the results are comparable to google) and I earn points for doing what I already do: researching on the internet. I recently acquired enough points to trade in for $25 transferred to my paypal account. Not bad for doing nothing. And that's not all they offer, by any means.

I'm still earning money on Youdata, too. It's not a lot, but it's so easy, and it's totally worth the few moments it takes to do it.

Those are my savings/earnings tips for now. Now go check it out!

Modification Nightmares

I have to wonder how many people Obama's Home Affordable Modification Plan (AKA HASP and Making Home Affordable) is really helping. Thus far the numbers are quite low for the homeowners who have successfully navigated through this long and tedious process.

Over a year ago this plan was introduced and the White House Administration claimed it would help between 3 and 4 million homeowners. Now, over a year since they introduced this plan, only about 170,000 homeowners out of over the million who have tried, succeeded in getting their modifications. It's estimated that about another 90,000 will be dropped from the plan in the next few months. Those are some discouraging numbers.

Some would have you believe that the low success rate is the fault of homeowners for not turning in paperwork, not meeting guidelines or not following through with important steps of the process. After doing this myself for a year, I have to tell you that's a load of malarkey.

In our own process, which we started at the end of March of last year, we have been told we didn't qualify to even apply after being told we did and had already applied; have been told we have to be late on our payments when the government website, Making Home Affordable, clearly states that you can be current; have been subject to lost paperwork multiple times--including the actual Trial Modification package offer--etc. In short, it has been a nightmare.

We've made it farther than many others in our shoes, but it hasn't been easy. Even with being as tenacious as I am when I'm working for something, I've thought about forgetting the whole thing multiple times. Nothing is going the way it's supposed to--the way Bank of America Corporation has told me it would go.

We signed our permanent modification agreement the second week of December, 2009. We were ecstatic. Finally we could see an end to this roller coaster ride. BAC had sent the notary, we signed the docs, then their notary took them and overnighted them back to BAC. It took them several weeks to find those docs in their system (they weren't even labeled) and let me know that they while they had been received on December 17, they weren't yet entered into the system to finalize everything. I was then told that it should be only another week or two until it was entered into the system as our new loan agreement. We were relieved to hear it, though a part of us didn't fully believe that we were just about finished.

Well, turns out, it wasn't that easy. Now, over three months after signing those permanent docs, we're still waiting for it to be updated in the system. We've continued making our payments (every one made on time and as agreed). We've done everything they've asked, the moment they asked it. We've jumped through every hoop--sometimes multiple times. What did we get for it? They reported us as delinquent to the credit bureaus on our mortgage (one thing that the government website says they aren't supposed to do under HAMP). And when I called--multiple times--to have them fix this, they tried to start us all over in the process. Obviously one hand doesn't know what the other is doing in this program.

We've been called several times to set up an appointment with another notary to sign the very documents we already signed over three months ago. It's ridiculous. Every time I tell them we've already done this. Every time they say they don't see it in the system. I tell them I have the proof here at home. It's just so exhausting.

Oh, and they transferred our case to a new negotiator. This new negotiator was supposed to have called us at some point in the last month. Has he? Nope. And believe me, I've tried to get into contact with him.

So, you tell me: whose fault is it that these modifications aren't going through? In my experience it's the mortgage company's fault. Something needs to change with this program. Until then, people are going to continue losing their homes.

I sincerely hope there are others out there having better luck than we are with this whole thing. I also hope that people out there aren't falling prey to all the scammers out there. This program is supposed to be done through your own mortgage company. Please don't pay attention to any of those third-party mailings you get from people claiming they can do this for you. This process is tedious, but it's free. Just be careful out there and don't give up.

And then there were Seven!

Hey everyone, I'm so sorry for the long delay between posts, but we've have some big changes taking place here. For one, the addition of another little one in our home. Yup! That's right! The Juggling Homemaker will be juggling one more:) We'll have another beautiful girl in about four months.

We've been making some adjustments here to make things go smoother, and had to jump some hurdles that have popped up in our path. But we have every faith that we will be okay. I'm definitely learning there's some real truth to the saying: "Life is what happens when you're busy making other plans!" Haha

I've thought of writing often, but have only been feeling well enough to even think about it for a few weeks now--and that meant lots of catching up on the balls that I dropped for those months I wasn't well ;) Fun times!

Anyway, There's much to talk about, and I'm happy to get right to it!