Getting Back to Life

So I decided, after several weeks of moping about and being decidely unlike myself, that it was time I realize all the blessings I have and move forward with my life. It's amazing how, once you decide that you need to move on, and then tell yourself that life is good, how it actually really does change your perspective and mood! Positive thinking really is a powerful thing, and I just confirmed what I already knew, but had momentarily forgotten :)

It's good that I remembered it too, because these last weeks have been trying, to say the least! I won't go into the family drama (extended family), but I'm sure everyone knows how stressful life can be after a death. There's a lot of adjustment and the whole greiving process that everyone goes through in their own way.

We've had influenza here (bad idea on skipping those flu shots this year!) and a multitude of other illnesses, several of which our sweet baby girl has fallen victim to. We had a week of no sleep, and she got her first taste of antibiotics after her respiratory infection gave her a nasty ear infection. She's finally sleeping again now, so hopefully we can get her immunity built up.

Every week for the last month I've had someone home from school because of being sick. Yuck! Where's that Immune Fizz when you need it (a drink we used to buy, but haven't been able to get for a while)? And I can't believe how much homework there is for each day a kid misses! Yikes! I had to send my son back to school while he was still sick or he'd have never caught up. His grades still haven't all recovered. That's okay though, because I know he's still the smart and responsible kid he was before he missed two days of school.

Anyway, through the trials of being sick and losing loved ones and the others stressors that come with life, I've had to try harder to see all of the many things that we've been blessed with. I have a great husband who loves me and I love him. I have five beautiful, mostly healthy and very good (though not perfect, by any means haha) children. We get to stay in our home after a successful loan modification. My husband still has a job, when so many others have lost theirs. We have good friends who are always there when we need them most. We have God in our lives.

I'm sure I must sound mushy about now, but I have to say that even with the trials our family has been going through, I still have so many more good, compared to bad. It can be hard to remember that when the other stuff in life becomes overwhelming. I just have to keep in mind that saying, "Life is what happens when you're busy making other plans," and make sure that my plans stay flexible! I'm also counting on the belief that our trials only make us stronger. So watch out world, because I'm really getting a workout! But I'm sure I'm not the only one :)

I know a lot of people out there are going through much worse right now. My only advice to those people is to try to stay positive, be strong, ask for help if you can't do it alone, have faith and the rest will follow.

Hard Times

Just when I was actually doing better than I have in a long time in keeping up here, I got the wind knocked right out of me. My stepfather, Stub, died a few weeks ago. It was something I saw coming in the weeks before, but really it all happened so fast. In September he was sitting in my kitchen eating the salsa I'd made and laughing with me over this and that. Then in the following months he lost his ability to drive, then walk, and even, in the very end, his ability to talk.

I know that death is a part of life. I also believe that he has gone to a better place where he can again do all those things that he'd been unable to during his last days on earth. I know that it's only those who have been left behind that are having a hard time with this. But it's still difficult nonetheless to realize that I can't just pick up the phone and get him on the other side of it anymore.

I have to remember though that I truly have been blessed to have him be a part of my life. In fact, I've come to realize while reflecting on all of this that I've been twice blessed in such a way. You see, my biological father was never a part of my life. The first man I called "Daddy" was my sister's father. He had the most beautiful heart and opened his arms to me when I was just a baby. Despite his turbulent relationship with my mother he always kept his arms open to me, as if I really were his natural daughter. He was an alcoholic though, and didn't care as much for himself as he did for his children. He died almost exactly 15 years ago. He was the fun one. Easy-going to a fault and open-hearted to the end. He was what I needed as a young girl to feel wanted, loved and accepted.

I wrote this for him: Forgive Me, Daddy

And then there was Stub. He was opposite in nearly every way. With the exception of whole-heartedly accepting another man's child as his own. He was responsible, hard-working, stable...he was a rock. He helped to show me what a father's role was. He helped to guide me the right way on the path to womanhood.

I wrote these for him: Shadow Of a Man and Mourning a Loved-One's Passing

Both these men filled a role I needed at the time I most needed it. Both have inspired me in different ways. Both are gone now. I am now truly without a father. But I can't leave it at that. It would devalue the lasting impression they've left with me. I have to think of the immeasurable gifts they gave me before they left this world.

I hope I haven't confused you all with my rambling thoughts here. My history is hard to follow, I know, but it has shaped me to be who I am today--and so I can't say that I'd change it. Everything happens for a reason. And I guess it's time I remember that and do my best to move forward.

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!

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.

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

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!

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!

What's in Those Video Games?

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?

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.

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!

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!

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!

Making Home Affordable Update

So I decided to call the HOPE department today, to see if they could enlighten me on what we can expect now that we've made our last trial payment on the Making Home Affordable 90 day trial modification. I had attempted to reach my loan negotiator, but wasn't so lucky in succeeding in that endeavor. I know they're swamped, so I'm not going to take that personally--yet;)

Anyway, they had no new information for me. They don't know when they'll have anything to tell me. I was assured our application doesn't have any negative notes and that they have all they need from me at this time. I'm trying to be reassured by this, but we all know I've heard that before. If you're new to our story, you can catch up here.

I was also told that I should continue making the lowered trial payment until I hear something back from them. That is a relief, since there was no way I was going to be able to make our regular monthly mortgage payment on November 1, anyway. Something that wasn't helped with my pricey lesson yesterday. Haha!

Here's the letter I emailed to my negotiator today:

I left a voice mail yesterday, but haven't heard back yet, so I thought I'd try email. We've now made our third trial modification payment for Making Home Affordable. That payment was made toward the end of September, and was due October 1. Since this time, all of our payments have come out of the suspense account and were applied to the mortgage interest, principle and late fees. None of it has gone to our escrow account and now it is extremely short of what is needed to pay our taxes next month.

Also, I still haven't received any kind of package, notice or info on what is going to happen with our loan now. Every time I check the website the information changes and the date gets pushed back. As of today, there's no date listed at all. Does this mean I continue to make the trial payments until I hear something, even if we're outside of the 90 days? One person on the HOPE team told me to do just that.

It's nearly the end of October and I have to say that I'd thought I'd know something by now. We've made all payments as agreed, we've sent all required documentation multiple times and have done everything required of us. Can you tell me what we can expect now and what is happening with our account?

What happens if, at the end of all this, for whatever reason we get denied? Do we suddenly have to come up with thousands of dollars for the difference between the trial payment and what our actual mortgage payments are, including late fees? That really would be a nightmare for us.

We are responsible, upright people and are willing to do what it takes to keep our home. We do not want a free ride, we just want a chance. We didn't ask for our income to be cut, as I'm sure you understand. We want to meet our obligations and are doing everything on our end to try to make that happen. This program can make that possible for us. We just aren't sure if we're being jerked around (pardon the expression, but it's the only way I can explain our fears) and we'll end up in a worse mess than when we applied for this program for help.

God Bless,
Nellie Butler

Hopefully I hear something back from him soon. In the meantime, I've been going to Loan Safe periodically to see how others there are faring. If you haven't checked that site out yet, you really should. I couldn't have gotten even this far without them. Lots of valuable information there!

Feel free to share any information or stories of your own here, too. Also, if you have any questions, ask away. If I have the answers, I'll let you know. If I don't, I'll try to point you in the right direction:)

A Pricey Lesson, but I'm Thankful

It's amazing how much of a difference one day can make with one's attitude. Last night I was feeling pretty overwhelmed. "If it's not one thing, it's another!" I cried. It all started with an ice cream dessert with my family. We were watching Smallville on DVR (a favorite around here) and decided ice cream sounded good. We had a bunch left over from the multiple birthdays we had going on in the last month, so all we had to do was make a trip to the kitchen. Sounds like a great way to cap off the night, right? Not in this case.

The ice cream was super soft, which was curious, since the freezer was set just above the recommended setting (the only way we can keep up with the ice consumption in our house). So I opened the fridge to see how it was faring. I had noticed that the milk wasn't as cold at dinner, but had figured maybe I'd had it out longer than I'd realized. Nope. Everything in the fridge was definitely not as cold as it should've been. Not even close.

So we pulled the fridge out, moved things around, looked for blockages, tampered with the dials, anything to try and fix this ourselves and avoid an expensive repair or worse--buying a new fridge! We couldn't figure it out. Maybe our four year old fridge really was the lemon we'd started considering it as. After all, the repairman had already been to our house three times for it in the first year and a half. Twice it was for the ice maker and once for when the digital display and the lights had all gone out on it.

For this last year, two out of three lights wouldn't work at all inside (and the third one was temperamental). Maybe this was it. It was fried and we would be stuck shelling out mega-bucks on an expensive service bill or an entirely new appliance! No! Not now! We don't even know what's happening with our loan modification! If our Making Home Affordable application isn't approved, we have at least a few thousand dollars we have to come up with to make up the difference between the lowered trial payments and what our regular mortgage payments are set at. And then there's the late fees! Ugh! Not to mention we would have to still be able to pay that normal amount starting on November 1, too. You can see how any new expenses would not be in our budget, right?

Well, we set the temperature dials at full blast and did the only thing we could do at that time of night: we said our prayers and went to bed.

Once I got the kids off to school today, I called the repairman and was lucky enough to get an appointment for late morning. Turns out, it was all our fault. How, you ask? Well, it was all caused by a canister of raisins and an inconspicuous air inlet. It seems the canister was just the perfect width and height to block the one and only air inlet that regulates the temperature for the fridge. Somehow it had gotten shoved right up against the inlet and caused problems with the sensor.

And the bulbs? Well, it seems whirlpool fridges are a bit picky when it comes to brands. Who'd have thought it? A snobby fridge. It didn't like the energy efficient bulbs we put in there. The repairman replaced them with regular bulbs and I can actually see the whole inside of my fridge! Not necessarily a good thing, though, since now I can more clearly see that it's time for a scrub-down. Haha!

Anyway, it came to just over a hundred dollars with tax. And with that, I also found out why the timer on my oven quit beeping. Seems someone held down the timer button for too long (five seconds) and it turns the beeper off. So, I got three issues fixed because of my canister of Great Value Raisins. Hah! ;)

I choose to look at this in a positive light. Nothing serious was wrong. My fridge, thank heavens, is not on it's way out. And for that matter, neither is my stove. I hadn't realized how stressed I was about both of those seemingly minor problems until they were fixed.

Oh, I just have to tell you that I really have a lot of confidence and respect for the folks at Doyles Appliance Service. Shad Anderson is very professional and isn't going to charge you for unnecessary repairs. He took his time looking for the problem and then made sure I understood what was going on (and he didn't make me feel stupid for what turned out to be customer error). The easiest and most profitable thing for him to do would have been to just order a new control board, thermostat or some other item--since at first, the problems we had seemed to indicate that was the issue.

So if any of you are in or near Davis County (they may even service the Salt Lake area), I would definitely recommend Doyles. I couldn't find a website for them, but their contact information is here: (801) 292-0676, 45 West 200 South, Bountiful, UT.

Many problems can be solved by simply checking the manual, too. If you've misplaced your product manual, check online. I know that Whirlpool has their manuals listed online for free and it's really easy to look them up with the model number. I've saved myself a few calls to the repairman doing this.

Am I happy that this lesson cost me money? No, but it could've been worse! And who knows? Maybe my lesson can help one of you out there with your appliances. God Bless!

I'm Inlove with my Bread Machine

No, really! We met about 11 years ago and while I was intimidated by its advanced technical skills at first, after a few years I was hooked. I make Italian Herb Bread, Old Fashioned White bread (the family wasn't impressed with the wheat recipes), roll dough, pizza dough, and now.....bread bowls!

I have a Broccoli Cheddar soup recipe that I've finally got down (though having said that, I do still reserve the right to tinker with it at a later date if I want to). And what goes better with Broccoli Cheddar soup than eating it in a bread bowl? Nothing, I say!

I've only had one problem with that: I can't find any decent bread bowls at any of the stores around here! They're all soft and flaky on the outside, and that doesn't make for the best soup bowl.

So I decided to do something about it. Why couldn't I make my own? I can make just about anything else I've set my mind to. This shouldn't be too difficult, right? So I did a search on the internet (using my swagbucks toolbar--which I love since I get to earn free stuff doing what I already do anyway!). I found this article detailing how to make homemade bread bowls from frozen bread dough. I thought, why can't I just use my French Bread recipe and run it in the dough cycle instead of the bread cycle and then follow the directions from the point of shaping the thawed bread dough. So that's exactly what I'm doing now. So far, so good. Keep your fingers crossed that it works for me! I'll have to update you, but I don't see any reason why it shouldn't work. I know my way around dough;)

I'll share my recipes for tonight's dinner here for those of you who are interested:


Broccoli Cheddar Soup

5 cubes chicken bouillon
1 tsp Worcestershire
1 tsp garlic
4 cups water
2 cups half and half or whipping cream
24 oz chopped broccoli
5 diced potatoes
¼ cup butter/margarine
½ cup onion
¼ cup flour
4 cups cheddar cheese
Season salt (to taste)
Mrs. Dash original seasoning (to taste)

Boil water, bouillon cubes, Worcestershire, cream, garlic, seasoning and potatoes. Cook until potatoes are tender. Add Broccoli.

Melt butter in pan. Add onion and cook until tender. Slowly add flour to make paste. Add mixture to soup slowly, mixing well to avoid clumping. Add cheese and mix well. Do not boil.

French Bread Dough

1¼ cups+3 tbs water (room temperature)
1 tbs butter/margarine
1 tbs olive, vegetable or canola oil
4 cups flour
1 ½ tbs sugar
1 ¾ teaspoon salt
2 tsp active dry yeast

(Use the link to the bread bowl article to finish)

Updates and an Apology

Hey, all! I know it's been way too long since I last wrote, but I haven't had much time for writing lately. I'm sorry to leave anyone hanging here and wondering what's been happening with our loan modification. I've been meaning to write for ages, as much has been happening on that end, but everyday life has been getting in the way:)

We were finally approved for the trial modification some time in June. Why didn't I write about it then? Well, because I didn't know about it. I found out about it in mid-july, but was told days before the signed paperwork (which I'd never received) was supposed to be sent back in via Fed-Ex. The only reason I found out was because the mortgage payment I made for July was never applied and I got a notice that it was late. So I called them and asked what what was happening with the payment I'd sent.

First, I was told that I'd made no such payment. Then, at my insistence, and with my bank as proof that an automatic withdrawal had been made on July 13 (not technically late since it was within the grace period), they did some digging and found my payment.

They said, "Oh, it's been put in a suspense account, since you're being set up on the Making Home Affordable Trial Modification." Really?

"Are you sure?" I asked.

"Yes, that's what it shows here. The paperwork is due on [such-and-such a date] or the modification will be canceled."

"What paperwork?" I asked.

"The paperwork you were sent on June 26." Hmmmmmm.........Well, this was over two weeks from that date, and it was sent via Fed Ex, so I definitely should've seen it by this time.

That started the beginning of a nightmare. It took until the end of July to get the new paperwork, after they had to first determine to their satisfaction that I hadn't received the first packet (it turns out it was never sent due to a computer glitch). During this time, I was also told conflicting information:

"Yes, this is the Making Home Affordable Plan."

and "No, this is just a special forbearance plan until we can qualify you for the Making Home Affordable Plan."

and "No, you will not be reported as late to the credit bureaus as long as you're making your trial payments."

and "Yes, you will be reported as late because you're not making your full payments."

I managed to stay calm, reach my loan negotiator who eventually cleared everything up (It was the MHA trial modification and we would not be reported as late--though I did have to call them to remind them of that fact when they did reported us late anyway. But they did fix it quickly). Long story short, we have now completed the trial payments. What happens now? Good question.

I was told I should be hearing from someone to come to our house with the final paperwork for us to go over and sign for the real modification deal. So far, nothing yet. I'll let you know what happens when we find out. I'm really hoping it's not going to be another ordeal. It seems to take forever to straighten the people from Bank of America out. It's frustrating, to say the least, and I wonder if anybody there really knows what they're doing. I've sent and re-sent the same documents multiple times, and talked to so many people I've lost count. But I'm not giving up. I'll keep doing whatever it takes. I'm no quitter!

In case you didn't already know, Making Home Affordable is the same thing as HASP, but they've changed the name. Who knows? Maybe they've changed it again! Haha, who can keep up anymore? If you aren't already familiar with what's been happening in our case so far, you can read my previous posts here.

The Great Outdoors!

Sunday we returned from our five day camping trip and I have to say we had a great time. We went with our good friends, the Masons, and stayed in the Uintas. We didn't stay in a designated campground (which saved money), but it was a great spot with a ready-to-use fire pit and even a perfect spot to do all our dutch oven cooking.

I do have to confess that we didn't go tent camping. We hauled our 37-year-old prowler trailer up there. The fresh water tank sprung a leak, unfortunately, and the second battery proved to be a dud, but we had plenty of other water we'd brought along (plus they have places for refilling your water up there) and several flashlights to light our way.

We went hiking and fishing, took a tour of the fish hatchery, cooked by fire and dutch oven, ate smores and had a blast! I have to say that it was good to get away. Tony's work at the school hasn't kept him as busy as we'd hoped. He's starting to get sent home again. It was great to get away and forget all that for a few days. It was a sanity-saver to think about something else for a while.

The views up there are just breath-taking. The peace you feel as you take in the scenery tends to remind a person of God's existence. I would definitely recommend the great outdoors as a prescription when you're feeling down and out. It's given me a boost and now I feel like I can continue trekking along, come what may!

Crash Course in Canning

My hubby came home with four ready-to-burst grocery bags of apricots from his dad. While I love apricots, and some would say we're a good-sized family, I have to say that there was no way we could eat all of those before they started rotting. I set them all on the counter while I contemplated on what to do.

We were leaving for a five day camping trip in four short days and had much preparation to do there, but I couldn't just ignore this bounty bestowed upon us, could I? I was tempted though--that is, until I woke up the next day, moved the bags out of the way so I could make breakfast and saw that they were already beginning to spoil. I got out all my books, gave my good friend and neighbor a call and made a decision. I was going to learn how to can, and I was going to learn FAST!

My friend and I did two double batches of canned jam, 4 batches of freezer jam and two batches of canned apricots in syrup and even some homemade fruit roll-ups. It was actually a lot easier than I thought it would be, and thanks to my mother-in-law for giving me lots of jars years ago (in hopes that I would use them, I'm sure) and to my grandma Artheta who gave me her canning bath a few years ago (also in hopes of me learning this great skill) and also to my mom who gave me a dehydrator over a year ago (lots of people wanting me to preserve!) I didn't have much to buy (lids, seals and pectin--I already had tons of sugar in my food storage). Two days of canning later and I have a quite a bit to show for it :)

If you're interested in canning, check out this site to learn the benefits, acquire the know-how and get some recipes. I'll definitely be doing this again! It's a great way to build food storage and to save money!

But Mom!

I've decided to do something this summer that I haven't really done before, or at least not planned out well enough to stick to. This year, though, I'm prepared and I'm determined. This year, much to my children's chagrin, I'm making it work. What am I talking about? Summer school!

I'm not talking about the school summer school programs, or those others out there that you have to pay for. I'm talking home schooling in the summer time. I have the workbooks (care of Sam's Club, Costco, Dollar General, Ross) and I have the internet to fill in any gaps. I also am making sure that I set aside the time and make it realistic. I mean, the kids have to have some fun this summer, right?

So the plan is that I get them at the kitchen table, with their worksheets already put together for them, three days a week for one to two hours. It's actually working out pretty well. My four year old loves it. Haha Now if only she can rub off on my 11 year old. At least he's cooperating :)

I got some great books I can work out of with them for dirt cheap. Most of them came from the dollar store, but I also found some of the big, all inclusive ones for a good deal at those other stores I mentioned above.

There are also some fantastic educational websites I've found with some great resources and where I can find and print out worksheets for free:

Sites for Teachers
Worksheets 4 Teachers
Math Fact Cafe
TLS Books

We've also been making weekly trips to the library. They've got a great summer reading program going on and the kids have already won prizes in their drawings.

The whole reason I'm doing this is that I found that the kids were having some areas they were struggling in on their end of level tests. I want to send them back more prepared and confident. I think it will make for a better school year.

And on that note, I'm going to be reviewing a Multiplication CD shortly. It was sent to me a while ago by a friend, and I'm using it to help my 9 year old with her times tables. I'll let you all know how it works and how you can get it in an upcoming post. I'm also thinking of doing a giveaway for it. But I'm getting ahead of myself now. LOL. More on that soon!

Enjoy your summer!