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!

Saturday, November 7, 2009

Home Affordable Modification Plan

Have you noticed how many name changes this government modification plan has gone through? HASP, Making Home Affordable Plan, HAMP...blah, blah, blah. Maybe they'll do a better job at getting the plan right, than they have at coming up with the right name. Hah! We can hope! :)

Anyway, I thought I'd update you on our case. We finally got our signed documents returned from Bank of America. These are only the ones we signed for the trial modification at the end of July. It took three months for them to sign and return our copy back to us (acknowledging the agreement, I suppose), but I'm told this is a good sign. We went ahead and continued making the lower trial payment for November, since that is what the HOPE Department told me to do. We'll see what happens from here, but I have hope that all will go well in the end. Call me an eternal optimist!

If you need information or support on how to start your own HAMP process, I highly recommend checking out Loan Safe. I got a lot of tips there that certainly helped to escalate things in our case.

Credit Card Reform for Whom?

I've heard quite a bit of talk in the last year, as I'm sure most of you have, about credit card reform. These new laws were supposed to help protect consumers from shady credit card practices with the excessive charging of fees. These laws are set to go into effect next year.

I'm wondering though, who is this really helping? In this last year, my rates on four of my credit cards have jumped, and the credit lines were decreased. Was this because of me being late on my payments, or charging excessively? No. In fact, most of my cards didn't even have a balance, and I've never paid late. I also pay more than is due most of the time (though that overage amount hasn't been much lately because of my husband's hours being cut at work and our income dropping close to $1000 a month).

I know this isn't happening to us alone. I've heard many stories both online and in person of people getting their credit lines cut (even businesses) and their interest rates rising significantly. I empathized, but hadn't really been affected as much as some, since our rates only jumped half a percentage point at first, which was bearable, if annoying. And while our limits were cut, it didn't really hurt anything, except maybe our credit scores (which would recover eventually).

Still, it made me think. Who was this reform really helping? Certainly not those who have been utilizing their credit and making their payments on time. Certainly not people like me in middle America, who have been slammed by the economy, but have still been responsible in the use of credit and meeting payment obligations in whatever way we can.

There is one card we have been using in this last year to help us get by until Tony's hours improved a bit and we were finally approved to do the Making Home Affordable Plan (also known as HAMP or HASP) trial modification. This card had the lowest interest rate to begin with (at 9.99%) and was initially with Washington Mutual. It helped us when we needed two new sets of tires last winter. It helped us when our cat had a veterinary emergency. It payed the bill with the unexpected medical emergencies that came up in our family. You get the idea. It payed for those extras that we just couldn't come up with when the economy tanked and business went down here.

We haven't used it recently, since Tony is now finally up to 40 hours a week (still well below what we've gotten used to over the last 14 years, but much better than 32 hours a week) and we've been making the lower mortgage payment. Finally, we could see a way to catch up.

That is, until I got the notice from Chase (who took over WAMU). They were changing my interest rate. I'd already received a small rate hike of half a percent at the first of this year, which I took in stride. But this new rate was ridiculous. They changed my fixed rate to a variable rate, effective December 1, 2009. What did that mean for me? Well, starting on Dec 1, my rate would be double what I first had. Double! Can you believe that? I would be paying twice the interest every month! It would effectively be the monthly payment I'm currently making, all for just interest.

So I called them today. I asked them what I could do to prevent this. They said I could refuse the new terms. I asked what that meant for the account. They said I would have to close it. I asked if that meant I had to pay the balance in full, because there was no way I could do that right now. They answered no, that I just would be unable to use the account in the future, but would retain the current interest rate on the current balance until it was paid off. I said, "Close the account."

I hope everyone knows that is an option. I hope no one thinks they have to accept these new terms the credit card companies are imposing on them to make up for what they are losing out on when these new laws go into effect.

But I ask again, are these changes really worth it? I know it hasn't helped me. It's only hurt us. I'm struggling to think of a single person I know who it is going to help. Please, someone enlighten me.

Anyway, if something like this is affecting you or someone you love, please don't be afraid to make that phone call and see what your options are. If you don't understand or agree with the first person you talk to, call back and talk to someone else, or ask to be transferred. Fight for your rights. Take care and God bless!

Wednesday, October 21, 2009

Loan Negotiator's Response

I very quickly received a response from our loan negotiator from Bank of America in regards to the email I shared with you earlier. And here it is:

Hello Nellie,



Unfortunately I don’t have the answer you are looking for.

However you can call 1.877.221.0825 they may have your answer



Thanks


That's the very number I called and told him about. It's the HOPE Department. They too, didn't offer me much information, only said for me to keep making the trial payments until I hear otherwise. Feel like banging your head against a wall with me, anyone? Hah!

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:)

Tuesday, October 20, 2009

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!

Wednesday, October 14, 2009

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.

Tuesday, July 28, 2009

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!

Tuesday, June 30, 2009

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!

Monday, June 29, 2009

Going Where it Takes Me

I'm sorry for the delay in my posts. Life has been, well, hard lately. My mom is still having a hard time. Her good days are very good, and I have hope that she's finding her footing. Her bad days are devastating and I've found I have to distance myself emotionally from her on those days to be able to function for my own family. Mental illness is no picnic.

My little sister was in the hospital for a few days, too. They found two blood clots on her lungs and are not sure what's causing them. They've put her on a medication to break them up and prevent them from returning. I've been praying for her and hope that she'll make a full recovery.

Hubby has gone back to working on Mondays, for the time being (for the rest of the summer, we hope), but he's not allowed any overtime, and without that, I don't know how we're going to catch up. I have to have faith that things will work out some how.

Countrywide/Bank of America is still stringing me along. The ARM refinance they offered me under the Making Home Affordable Refinance program was offered in ignorance of the fact that if you're already in a fixed loan, you can't be refinanced into an ARM. I had to tell them this information when I went to Freddie Mac's website to get more information on the program. Isn't it crazy that I know more about how these programs work that the mortgage company?

We went ahead and sent them all our information all over again a few weeks ago for the HASP, or Making Home Affordable Modification and were assigned a negotiator. He called me once on June 22, left a message for me to call him back using the Hardship number I already had, but left no extension. When I called back, they basically said there was no way for me to reach him directly, that they would email him and let him know I wanted him to call me again, but that was the best they could do. They also told me that he would probably try to call me again at some future date, and that if he was unable to reach me again, it could cancel our application. So I guess I'm suppose to stay next to the phone and hold my breath. Hah!

I haven't heard from Bill Gephardt since that first embarrassing phone call several weeks ago. LOL. He did tell me there were no guarantees that he could do anything, but that he would see what he could find out on all this. Keep your fingers crossed:)

So life has kept me on my toes. I'm fairly certain that whenever it feels like I'll catch my breath, something is waiting in the wings to come knock it out of me again. Some days I'm just fine with this, and just go with the flow. On those days, I look around me, thank God for the many blessings in my life, smile, and go along with whatever comes my way.

I wish I could say I was always this good. I'd be a better person for it, if I could manage it. But alas, I'm not there yet. On the bad days, I mutter, maybe even let out a curse, and just feel like my world is caving in. On those days I forget the blessings I have and ask God, "can I not be happy? Can't I just take it easy for a little while? Does everything have to go wrong at once?" Actually, that's probably the nice version of what I say on those down days. Haha.

I have to remind myself that without adversity, I can't grow. I'd be content to stay where I am, in my comfort zone, and learn nothing. I heard yesterday something that will stay with me:
The very existence of adversity proves God's love for us.
What? I thought at first. How can that be? Why would He want anything bad to happen to us? But that was the wrong way to look at it.

I can't tell you how many times I've told my children, when they were grumbling about something hard they had to do, that they would be thankful for it someday--because they'll be able to take that experience they've learned from and it will make things easier later. The very same principle applies to us.

Trials make us stronger. So reminding myself of that, maybe I'll have more of those good days, and complain less on the bad ones. It can happen, right? ;)

Friday, June 12, 2009


Tonight is our pizza and movie night. We make our own pizzas to save on money and rent a movie from Redbox. Just in time to save us money, Inside Redbox sent out some working codes for today. I tried the one they said was working for all locations (for now) at Walgreens and it went through with no troubles. I'm saving the one they gave for McDonald's (set to be good until June 30--hopefully) for next week.

If you haven't done so already, you should check out Inside Redbox and subscribe. You've got nothing to lose and plenty of free movie rentals to gain!

I did do a no-no when I couldn't find a known family friendly movie we all wanted to see and just picked a movie off the full listing that I hoped wouldn't be too bad. I went to PluggedIn Online (where I can get a detailed breakdown of what's in a movie to help decide whether or not it's okay for kids) and found that the one I randomly picked was not one that I'd even want my almost 12 year old son to watch. So we'll have to find something else for them to watch tonight. Haha! That'll teach me!

If ever you have a question about a movie's content, definitely check that site out (for DVDs or movies in theatre). It gives a very comprehensive breakdown for even the most discerning of parents/viewers. Keep in mind though that you will be reading spoilers for whatever movie you're looking up.

Anyway, I wish you all a great weekend!

Tuesday, June 9, 2009

She's a Maniac!

So today I'm going through my daughters' room with them--and it's a wreck to say the least--pulling garbage and dirty laundry out of their toy bins and giving directions on where to put things. I'm also blasting my Pure 80s CD on my 9 year old's CD player to make the task a little less tedious.

I'm bouncing around to the lyrics "She's a maniac, maniac, that's for sure..." whilst attempting to organize the chaos that is their bedroom and I shout an order over the loud music to the girls. They hesitate to follow, as usual, and I yell out over the music, "Just do it!"

I look up at my son, who I realize is holding the phone at me and I yell, "who is it?" He shrugs and passes me the phone. "Turn it down!" I call out over the music and reach for the phone.

"Hello?" I ask, thinking it's probably my hubby on the other end of the line, checking to see how my organization mission is going.

"Is this Nellie?" I hear a man's voice on the other end, but it's definitely not my hubby's.

"Yes, it is." I'm feeling bashful about the music and the hollering that went on before getting passed the phone. Oh well, it's probably just another telemarketer anyway, right?

"This is Bill Gephardt..." Yes, the Bill Gephardt from KUTV New's Get Gephardt.

Yikes! Hahahahahahahaha. What a great first impression, eh? I laughed, fumbled out an apology and told him I was going through my kids' rooms today. He assured me he'd been there himself with his own kids.

Anyway, long story short, he's looking into our situation with Bank of America/Countrywide and we may just get this story on the news. Wish us luck!

For those of you not knowing what this is referencing, read my last post.

Monday, June 1, 2009

You Can Kiss My HASP!!!

Today's title is directed at Countrywide/Bank of America. It's now been over two months since we applied. During that time, as you know, I've called them regularly to check on things, only to be told it's going to take longer. The kicker? They've deleted my application and I have to start all over. I'm beyond upset about this. I decided to take the advice of friends and family and send Bill Gephardt of 2News a letter.

Here it is:

Have you heard of the Making Home Affordable Plan AKA HASP? Well, when my husband's hours got cut, we lost at least $1,000 per month of our income. We started to struggle to make our payments, draining our savings, cutting our bills where we could and clipping coupons. With no end in site to our money situation I called our mortgage company (then Countrywide, but now Bank of America) to talk about what options were available to us in trying to keep our home. It was then they told us about MHA (HASP), and we applied for it over two months ago.

I sent them everything they requested and called regularly to check on the status. One person told me it would take 7-10 days for me to get a workout packet. When I didn't get one, I called back and was told I should hear something within 30 days. When I called back after that, I was told 40 days, then 50 days, then 60 days.

Each time I asked if they had everything they needed. Each time I was assured they did and that my application was still under review. When I called back on the 60 day mark, I was told I needed to start the process all over again. Why? I was told it’s because my information is now two months old and also I didn't qualify on my first application.

Why was this the first time I was hearing this, after two months of phone calls? I asked that and was told they didn't know why no one told me. When I asked what kept me from qualifying now for the application, when I'd been told by several other representatives there that everything looked fine, I was told it’s because I'm current on my mortgage.

I told them that the rules say that I don't have to be behind on my mortgage to qualify, just that I have to show that we are in danger of falling behind and defaulting, which is what we're trying to prevent. They said that was correct, I don't have to be behind to qualify, but I can't be current. What? How is that possible? I asked this, and they said that I'm not considered current if I haven't paid my bill the first day it becomes due, which is the first of each month.

This modification process takes 30-60 days, according to them, so it would be impossible for me to qualify if I don't fall behind. If I play their game, and fall behind on the slim chance that I may qualify, it ruins the only other option they're offering me: A 5/1 ARM refinance at 4.215%. You have to have good credit to qualify for the HASP refinance program.

We aren't thrilled about the ARM idea, as we feel this is what has gotten so many people in this mess in the first place, but we don't want to lose our home either. According to the Making Home Affordable website, we’re perfect candidates for this program. What’s the problem?

We have several friends and neighbors who have called about this program, only to be given the run-around. According to each of these situations and the information we've all been given individually, at least some of us should have been approved for this program. Some have been told they have to be behind to qualify, some are told they have to catch up to qualify. I've yet to meet a single person who has been approved for this program in my online searches. Instead, I'm finding so many others that are being jerked around in the same way we have been. Good and responsible people are losing their homes! There are numerous websites and forums set up because of this.

What kind of program is this that Obama has set up to help responsible homeowners who have been hurt by this bad economy? How is it going to help any of us if they banks won't let us do it? Please help us, Gephardt. A lot of family's homes are at stake.



I'll let you all know if I get anywhere with this route. If I don't, I'll look for another. I'm not going down without one heck of a fight. Wish me luck!

Wednesday, May 27, 2009

Busy is an Understatement!

I know it's been a while here. Between my yard work (I can officially call them flower beds instead of weed beds-Yay!) and sick kids (one sick four-year-old most of last week, and a sick one-year-old for a solid week now), I've had time for nothing else.

Oh! And it's a good thing hubby fixed the dryer (a loose screw on one of the agitators), because I've been doing laundry nonstop for over a week now--not that we don't generate a lot already in a household of six people without adding a nasty stomach virus to the equation!

The plus side is that so far it's only gotten hold of the two youngest members of our family. I'm hoping it doesn't go any further, as it seems to be long-winded. I feel bad for my baby though. Poor thing :(

I really feel that we do have some divine help on our side though, as I know we've accomplished a lot--despite the sick kids--in the last couple of weeks. A very, very good friend (perhaps an angel in disguise?) spent two of her days off working with us on those radioactive weeds (I swear some of them had to have been exposed and mutated!) I'll never underestimate the value of such a good friend. I'll have to try to return the favor.

Our yard is actually looking pretty darn good, if I do say so myself. We got our garden planted too, and so far, so good. Most of the seedlings we grew indoors have made it through the transplant, and the seeds we sowed in the ground are sprouting too. I'm so excited!

If you haven't got your gardens in yet, it's not too late. There's nothing like eating the food you grew yourself. It's cheaper, tastes great and is even better for you (no losing nutrients in storage and shipment). No space? That's okay, container gardening works well, too! Read my garden articles here for more info.

We've been listening to a lot of music during all that yard work. Some of it we got for free (no kidding) from iTunes. They have a freebie section that is updated regularly for you to check out and choose what you want to download. You have to have the itunes application on your computer to take advantage of this deal. So if you have an ipod and didn't know about this cool feature, check it out!

Well, that's all I have time for today. I accomplished this much with a baby on my lap! Are you impressed? Haha! Take care!

Tuesday, May 12, 2009

A Little of Everything!

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

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

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

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

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

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

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

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

Tuesday, May 5, 2009

Free Chicken Dinner From KFC


Here's yet another reason to love Oprah. She's got a coupon for a free meal at Kentucky Fried Chicken on her website! It's for the two piece grilled chicken, two individual sides and a biscuit. Not too shabby, eh?

This is a limited time download and is only available from 9 a.m. CDT on May 5, 2009, to 9:59 p.m. CDT on May 6, 2009. So hurry! The good thing is that you don't have to rush quite as fast to redeem the coupon once you've got it. The coupon is redeemable at participating KFC® locations in the United States from May 5, 2009 to May 19, 2009. The only catch for this time period is that it's not redeemable on Mother's Day, May 10, 2009. It's one offer per person and can be found by visiting Oprah's site here.

I've already printed out mine! Yummy!