A Check Came in Today!

I don't know if you remember or not, but I took part in an hour long panel for SurveySpot about a month ago. I had some trouble with the links, but finally got it to go through. All I had to do was shop at a smaller Walmart, rather than the larger one I usually go to. The payout? $50--and the check came today!

That's the most money I've made from a survey site so far, since I started checking them out last August, and it was pretty easy. They don't offer a referral program, like some of the others, but they are backed by the Better Business Bureau. I don't see the higher paying opportunities from them all that often, but I've received invites for a few of them. This was the first time I decided to do it though. The downside of SurveySpot is that you can end up wasting your time if you start a paying survey and then are found ineligible a few minutes into it. When this happens, all you get for your time is a sweepstakes entry.

I've also been earning money with Youdata weekly. It's not a lot, but it's consistent and literally only takes seconds of my time. I've earned about $10 each for Inbox Dollars and Send Earnings, which isn't a lot, but I haven't done much with them, to be honest. So those were for minimal effort. Cash out is $30 for those, so I've got a ways to go, haha! Anyway, these survey companies are not a get rich quick avenue by any means, but they can be good for some extra spending money.

In other news, I tried out the free redbox promo code for today and it worked! If you haven't checked this out for free DVD rentals, do it now! The code is good until midnight tonight and the DVD has to be returned to Redbox by 9:00 p.m. tomorrow or the charge is $1 per day.

I just thought I'd share these tidbits with you! I'm still looking for legitimate ways to make money from home, and of course, how to save it. Best of luck to you all!

Getting into the Spirit of Easter

My kids are so excited for today that they woke up asking, "can we color the Easter eggs now?" I had to gently remind them that we were going to do that this evening, not first thing in the morning. This didn't dampen their moods though, they started jumping up and down saying, "Yes! Yes! It's almost Easter!"

They know this year has been tough on us, but we've let them know that Easter can still be a fun time. We've also been sure to tell them the real reason we celebrate Easter, and it has nothing to do with the Easter Bunny. For some fun religious activities you can do with your kids to teach them about Easter, check out Apples for the Teacher for a great list of things you can do and print. I also found this other site for some fun, but not religious-themed printables.

The Easter egg hunt we were going to do in our back yard is a no-go since the weather isn't cooperating here. We still may try one indoors...though I do get nervous at the idea of an undiscovered egg reeking up the house. Haha! If we go that route, we'll have to pay careful attention to where we've placed every single egg and do a count afterward to make sure all are accounted for.

If you've procrastinated and are now scrambling for ideas of what to do for your kids, and need to do it on a budget, I found this article called Inexpensive Easter Baskets You Can Do for Yourself. Hopefully you can get some ideas you like there.

We're also planning an Easter dinner. We're baking a turkey (yes, I know most people do ham, but we had a certificate for a free turkey that needed to be used before the end of the month) with stuffing, mashed potatoes, gravy, jello fruit salad, rolls, deviled eggs and banana cream pie. We'll be having leftovers for days!

I wish you all a very Happy Easter. May your lives be blessed on this sacred day, and may you remember the reason behind this celebration in hard times. God Bless!

My Very Own Domain

I played around with the idea for the past two months, but wasn't quite convinced that I needed to drop the "blogspot" from my web address. Finally, with some prompting and convincing information from my new friend and website owner: Mom on the Random, I did it!

All the same content is here, and I'll continue to work to make it better. Only the address has changed. I've discovered that I love doing this and plan to do it for a long time to come. So it was definitely worth the paltry $7.69 I paid GoDaddy for one year. It was going to cost $10.19 total, but I used my new Swag Bucks search tool for GoDaddy promo codes and saved over $2 (I also earned some Swag Bucks for doing the search).

It took some time to get the domain working here (I'm not very technically advanced--haha), but I did find some good instructions on this website. I hear it's much faster, though a few dollars more, to buy your domain directly from Blogger--and they'll even set it up for you automatically. I didn't know about this until after the fact, but I figured out how to do it anyway and saved money, so it's all good :)

In other news, I also found a link that tells me supposedly how much my blog is worth. According to this site it's worth $495. I'm not sure how accurate that is, but it was sure cool to see it. Haha! It just takes a moment, if you want to check out your own website on there for fun, too.

I also joined the NetworkedBlogs on Facebook to help promote my site. If you're on Facebook, feel free to follow me there:)

So, all in all, I've had a pretty productive couple of days. Maybe things are looking up? Stay strong and take care of yourselves! Happy Good Friday!

Have Fun with Your Family

Times are tough out there, and it's hurting most everyone's entertainment fund. But that doesn't mean that you have to sit idle, twiddling your thumbs. There are lots of fun things you can still do as a family, and many are free or cost very little.

Do you like movies? One option we've done is to buy the movies we wanted when they first came out and then watch them on movie night. If we bought them the first week they were out, they would cost $4-$5 less on sale. This is much less than it would cost for the six of us to go out to the movies.

No money in your budget for that DVD? I feel your pain. A cheaper--and sometimes free option is Redbox. You've probably seen these movie rental machines outside the grocery store, or even McDonalds. The rate is $1 per night, but I have it on good authority that you can rent free with a code on some nights--notably Monday and Wednesday. You can go to Inside Redbox and create a free account. Visit it to get the current promo code for your free movie rental. You do have to return it after the free day, or be charged $1 per day after that.

Now that the weather is warming up....well one day soon anyway (today it's pouring outside, but it's got to get sunny outside soon, right?)...It's a good idea to take your family outdoors. I found a great site today all about family fishing. Our kids love to go and don't even care if we come home empty handed because they've got their minds full of memories. The site is called Fish with your Kids and has some great information on how to make your trip fun and memorable. The cool thing about fishing is that in most states kids up to a certain age (14 in Utah) can do it for free.

I've also written an article on e-How on this topic and it gives more ideas on things you can do for fun with your family without breaking the bank. Kids don't need to go to expensive theme parks or arcades to have fun. There's so much you can do together that will strengthen your relationship, build life-long memories and entertain you all that doesn't cost much or even anything at all.

HASP Part 3

I've realized that I only detailed half of what Obama's Homeowner Affordability and Stability Plan offers so far in my articles here. I wrote about the part of the program I was applying for, and completely neglected the other side, which could benefit other homeowners in different situations from ours, but still serious.

HASP isn't just for those who have received a pay cut and are in need of a loan modification. It's also for those who need to refinance out of an ARM or higher interest rate, but their homes have lost value and so they haven't been able to do that. The catch for this part of the program is that you have to be current on your loan and the investors or guarantors in your loan have to be Fannie Mae or Freddie Mac. You can call your lender to find out if your loan is eligible or check here. Don't make any assumptions until you make that call.

If you want to read some examples of families who have qualified under each of the HASP parts, you can go here. That link is in the Making Home Affordable government website. If you go to that site, you can find out if you may qualify for either part of HASP, and what your next step should be if you do.

Not all mortgage companies offer HASP, but most of the major ones do. You can go to Hope Now to find out if your company participates. If they don't, Hope Now also offers free counseling help and could help you figure out your next step. This site is entirely free, as is all HASP information and processes. Beware of scams. You can also call Hope Now at 1-888-995-HOPE.

If your loan is FHA, they are doing their own program for financial hardship that is supposed to parallel HASP. Call your lender for details on that.

As for what's happening with our HASP application, it's still up in the air. Countrywide has just started choosing eligible customers and sending out packets to them. I called them this morning (1-800-669-0102) and they said they only started mailing today, and if I qualify, then I should get one in about a week to ten days. Apparently our status isn't in the computer yet, but they didn't seem concerned by this. If, at the end of 10 days, I don't receive a packet, they said to call back and check my status again.

I'm not losing hope or getting discouraged by any of this. If we're meant to stay here, we will. If we're not, then I figure we must have a purpose somewhere else. In the meantime, I will do what I can for my family. That's all anyone can do.

Good luck to you all. If you have any questions, you can more than likely find them in the links I've given you in my HASP articles. If not though, or you just want to talk, feel free to email me.

If you don't qualify for any part of HASP, don't lose hope. You can still call your mortgage company about other financial hardship programs they offer.

Saving with Your Newspaper Subscription

Today's blog was inspired by this morning's events. I received the renewal notice for one of our newspaper subscriptions, and cringed when I realized I have another check to write--small though it may be. Some may ask why I don't just let the newspaper subscription go, especially considering I have two of them. I'll tell you why, it's because those two subscriptions (both with the Sunday papers) save me a lot of money on groceries, and consequently, more than pay for themselves.

I'm guessing, with my Sunday and groceries clues, you know how I save money with these papers: I clip the coupons. I save money on toilet paper, granola bars, cereal, diapers, wipes, toiletries, pet food, produce, etc. I have even, on several occasions, gotten coupons for free items (ranging from salad dressing, gum, cough drops, frozen shrimp--you get the idea).

Because of this, I can justify the expense of both subscriptions, but with hubby's pay cut, money is very tight. I decided to call my subscription service (MediaOne of Utah) to test what I'd heard about most companies being willing to give existing customers the promotional rate if they call in and ask for it. Turns out, it was no myth. I got one year for the price of six months, all because I asked if they could offer me a better deal! So now my newspaper is even more valuable to me.

My green readers may be wondering what I do with all those papers after I'm done reading and clipping out of them. No worries! I take them to my children's school, put them in the recycling dumpster and they get money for the school! So it's a win-win.

So if you haven't done this already, I suggest you do. If you currently have a subscription, call to see if you can get a better rate. If you don't currently have one, get one! If you aren't clipping coupons for items you're already buying, that's the same thing as throwing away your money.

If you're not in my area, then you can find your local newspaper, or whichever paper you're looking to subscribe to online. I found a site that offers discounted newspaper subscriptions, and it's backed by the Better Business Bureau. It's called Discounted Newspapers.com.

None of these things take much time. Calling to lower your rate is easy, subscribing is even easier. Clipping coupons isn't much work either. You can get a coupon organizer for cheap, or you can even keep them in an envelope or sandwich bag (I did this for years). And Newspaper recycling sites are everywhere. You can usually find them on school grounds or even in some store parking lots. If you don't know where one is, check out Earth911.

Do what you have to and lower that budget. Saving money is always a good thing, especially in this hard economy.

Don't Be Afraid to Ask for What You Want

Have you ever gone to the store, had your hands full at the register and not noticed until you got home and went over your receipt that you were overcharged? Have you ever purchased an item or a service, only to find out it wasn't all it was promised to be or it broke with normal use? Most of us, if not all of us, have had some bad experiences as customers. The good news is that there is something you can do about it.

Often, you can get what you want over the phone. If you've got decent verbal skills, this can be an effective way to resolve your problem and get what you want. The key is persistence and patience. When we bought our house nearly four years ago, we upgraded the appliances. We thought if we went with the higher brand name that they would last longer and work better.

In our case, we were mistaken. The first year we had to call on our freezer twice (the ice maker was having issues), our microwave once (it started sparking when we used it), our dishwasher (the silverware tray hinges broke), and we had to trip the breaker on our electrical to get the self cleaning oven to turn off (thankfully that never happened again). We couldn't believe it! But thankfully everything was covered under warranty, and so we didn't have to pay for anything.

I can't believe, considering all the trouble we had, that I didn't get around to extending the warranties. Blame it on being busy with the little ones and working on getting all our landscaping done. In any case, we didn't extend our coverage. Six months after our coverage expired, all of our lights and the digital display in the refrigerator when out. I called, hoping that it was one of the few parts that was covered under the longer warranty. It wasn't, and it was going to cost several hundred dollars to replace.

I was furious, but I kept my cool when I called the company to see if they would pay for it anyway. They told me no. I asked to be transferred higher, that person told me no, I asked to be transferred even higher, that person told me no. I told them I wasn't getting off the phone until they told me yes. I told them how we had bought all of our appliances from them, and they were supposed to be top of the line. I told them how many times we had to call on said appliances, and how we were less than satisfied with their performances. I told them how I would tell anyone and everyone who would listen about my experience with said appliances and their manufacturer if they didn't do the right thing and cover the part. I basically let them know that I wasn't going away. Finally, over an hour later, they said "okay, we'll pay for the part if you'll cover the labor." I took it. The labor was only $60 and so I was satisfied with that deal.

Never once did I raise my voice, curse (though believe me, there were times I wanted to--haha!), or act offensive to them. I let each person know that I realized that they weren't actually the ones who made my appliances, and that this was just their job, but I wasn't going to let this go. They listened.

Another customer service issue: If I've been overcharged at the grocery store by a few cents, or even a dollar, I'll usually let that go. But there was actually a time that I was overcharged over five dollars. That was when gas prices were much higher, and I would've spent about that much to go back to the store and get my money back. That didn't appeal, so I wrote a letter to their corporate office, letting them know my experience, how I was overcharged and how it made me feel as their customer to know that if I took my eyes off the scanner for a moment, I would lose money. They sent me a $10 gift card and a letter of apology.

I've received refunds on items, replacement products and other things, all as a result of being able to keep my cool over the phone or in a letter. This can be a great way to get your money back, or to get something replaced. Sometimes they'll even send valuable coupons with your replacement (usually food manufacturers do this).

If phone calls, or letter writing doesn't get you anywhere, you can always file a claim with the Better Business Bureau. I did this with AT&T once. They charged me $3 for a collect call I refused. It wasn't the amount of money I was upset about, it was the principle of it, and the way they treated me when I asked them to remove the charge. Their representative really should've considered their words when they told me that it was basically too bad, I had to pay it and there was nothing I could do about it. That was a challenge to me, and I accepted it. I went to the BBB's website, filed a report, and what do you know? My account was credited! Hah!

I thought I'd share this information with those who haven't tried this. You don't have to settle for less. Get more for your money, or at the very least, what you paid for. Go get what you paid for!

We're Not Rock Bottom

Well, I got a not so great surprise when we got hubby's paycheck today. They didn't let him have the vacation day he used the day he got sick last week. I called the secretary to ask why and she told me it was against policy to use vacation days as sick leave and that all vacation days have to be pre-approved. If an emergency does come up, the boss has to approve that usage and all other non-vacation usages. I'm thinking: since when? It's not like hubby just started working there. He's been there for 14 years!

I told her that no one had mentioned this to hubby and she said, yes, they had--yesterday! Okay, so over a week after the fact (he's paid a week behind the actual work week) they say they told him? So I asked hubby what was going on with that, he said that his supervisor did tell him yesterday they might not approve his sick day. I wish he had told me that when it happened, but in any case, are they serious?

So, his paycheck is short in addition to being short. Haha (I know that makes a lot of sense)! But, we are not rock bottom. Yes, our finances are a mess right now. Yes, we are experiencing hard times and things are stressful. But, we still have some income, aren't homeless, have food in our cupboards and more importantly, we have each other.

I'll admit that I did leave a message for the boss, explaining our circumstances, reminding him that hubby rarely calls in sick (we're talking once every few years) and asking him if he would please approve the vacation day. I then called hubby so he wouldn't be surprised if he heard anything from his boss today. I don't know if I did the right thing, but I can't just sit and watch things get worse and not do anything about it. It probably would've been better coming from my husband, face-to-face with his boss, but he rarely gets the chance for that to happen.

Anyway, this situation has left things tight for Easter, as you can imagine. I'm thinking we'll go more creative this year. We'll continue the tradition of coloring eggs (the kids love to do that--and the dollar coloring kits work just fine for us), we'll have an Easter egg hunt in our back yard, and perhaps get some treats to hide, too (I have several coupons for bagged candy, so I can save money there). I think I'll go to the dollar store for baskets or buckets. I'll also be searching the internet for some other inexpensive ideas to make this Easter fun for the kids.

I really think the most important thing for them to know when it comes to Easter is why we celebrate it in the first place. It's not because some giant bunny wearing clothes hops into their house while they're sleeping to leave them little presents in their baskets. It's because our Savior was crucified and was risen. He lives. That is the most important gift.

So, no, we're not rock bottom. Yes, we are going through some really tough times right now. But I do believe, without a doubt, that we will get through them--maybe not in the way we would prefer, but in the right way--in His way.

If your family is going through a tough time too: stay strong, have faith--everything will be okay:)

More on HASP

As I told you yesterday, we decided to try to modify our mortgage using the Homeowner Stability and Affordability Program that President Obama set up last month. If we're approved for this, we'll be able to stay in our home, since hubby's work (as a journeyman plumber) is still hurting and his hours are low.

In fact, today his work schedule fell through (they currently have him doing service calls) and they're talking about sending him home. This would be very bad, considering he still isn't allowed to work Mondays, so that would give him just barely over a three day work week. If this happens, we'll have to use another of his already few vacation days (who can afford to take a real vacation anyway, right?) to make up for the shortage on our budget--which I'm constantly working to lower.

So yesterday we applied for HASP. I sent our Mortgage Company (Countrywide Financial) a 42 page fax--the longest fax I've ever sent in my life! Haha! Details of HASP can be found in this post I did yesterday.

I called Countrywide this morning to make sure they had all my paperwork. They did, and complimented me on how thorough I was (I'll gladly take the compliment!). They told me to continue making my mortgage payments as usual (which I planned to do anyway for as long as we're able), and that they will process everything once they know what's going on.

This wasn't really a big surprise to me. HASP is a brand new program, and while many mortgage companies are climbing on board, they are still unsure of all the details. In my mortgage company's case, they said they hope to have everything set and ready to go by April, which starts tomorrow! LOL. Anyway, they said it shouldn't take too long to get things up and running, and in the meantime they have all they need from me.

I'm telling you all this so that you will know that this is more than likely the situation with all the mortgage companies participating in HASP. They're still working out the details, and don't know everything yet, so make sure that you realize that when you call them. The company's participating in this program have said they will hold off on foreclosures for those trying to get approved for HASP.

In yesterday's post I gave you a link for participating mortgage companies, so if you haven't already, check to see if your company is on the list. The list is pretty long, so there's a good chance it is. If it isn't, you aren't out of options. Just call your mortgage company and ask what plans they offer for financial hardship. If you get someone who doesn't seem to know what they are talking about, ask to speak to someone else.

Another good resource is the Making Home Affordable website. It was set up for those looking for more information on HASP, but they offer information to anyone struggling financially.

Don't give up. This is a hard economy for so many of us. With the right tools we can all get through it together. You're not alone.

Loan Modification to Save Your Home

I spent over three hours this morning getting together all the materials I needed to do a loan modification with our mortgage company. We looked into refinancing first, but while our credit is good for the moment, our house has dropped at least $40,000 of its value in the last two years. Because of that we wouldn't meet the required loan-to-value ratio and so we didn't continue down that avenue.

We thought of selling, but we couldn't get what we needed and none of the houses in our area are selling (and there are so many!). So that idea was also quickly scrapped. I decided to find out what exactly our options were, and I'm going to share them here with you.

We were told by several of our friends the nightmare stories of trying to get the mortgage companies to work with you. We were told mixed stories of what your status on the loan had to be (some said you had to have missed a few payments, others said the loan had to be current). I decided to stop taking other people's words and experiences for it and give my mortgage company (Countrywide Financial) a call.

They were surprised, it seemed, to hear from me. "But you're not behind on your payments and your credit is good." Yes, I know this, and I'd like to keep it that way, but with no end in sight to hubby's pay cut, our savings is nearly gone, we're eating mainly out of our food storage and things don't look promising, to say the least. When I told them this, they transferred me to their Financial Hardship Department and I talked to a consultant there.

The woman I talked to was very friendly and helpful. She asked me a few questions about our situation, I answered her, and then she asked if I would be willing to tell them all of our expenses, fax them our recent tax returns, a 4506-T form, checking, savings and 401k statements, credit card and loan statements, and the last two months' pay stubs. I also had to write a Letter of Financial Hardship. I was more than willing to do whatever she asked if it meant we might be able to afford to stay in our home.

I got the 4506-T form off the IRS website. I found out what a financial hardship letter should include. I went to the Making Home Affordable Government website which I was told by the mortgage consultant to look at. On that site you can find out if you may be eligible and if your mortgage company participates in Obama's Homeowner Affordability and Stability Program (HASP) set up in February. So far, it looks like we meet the requirements.

What HASP does is lower your mortgage payment within 31% of your gross monthly income. They can lower your interest rate down to as much as 2%. If that won't do it, then they look at extending the life of your loan to 40 years. If approved, you are put on "probation" for three months. If you make your payment on time for those three months, then you get that lowered rate for five years. If, in that five years, you have made all your payments on time, they will pay $5,000 toward the principal of your loan balance.

After five years, your interest rate will increase one percent each year--but will at no time go higher than what the current rate was at the time you modified (currently around 5%). This would be a great option for us, so we've sent them all the information they've asked for and are now awaiting the approval. They say the whole process takes about a month, so we'll just have to wait and see how it goes.

Beware of Foreclosure Rescue Scams. This whole process is free and can be done by yourself. You do not need to pay anyone for this process and should not be charged for a single part of it. If you wish to know more about this program, go to the FAQ on the website.

If you're struggling to make your mortgage payment, please look into this program. If your bank doesn't offer it to you, ask them to. Don't necessarily take no for an answer. Ask to speak to someone else if you're not getting anywhere. Keep calm, you'll get further if you're clear-headed and non-threatening. Be persistent, the squeaky wheel gets the grease:)

If you have any questions throughout this process feel free to shoot me an email. I'll be happy to help if I can.