Archive for August, 2014


And More Worry

And Even More Worry

We’ve sent back the paperwork, however, there’s two more items they want, a hardship letter and a letter stating we don’t pay HOA fees – like I’ve told them a thousand times our neighborhood was built LONG before the very idea for HOA’s was even a concept!  Ugh frustrating much?

So what is my worry?

Well truly its twofold:

1. They’ll deny it saying it’s all a spending issue again – and that because our interest rate is already below market, 4%, that they can’t help us – so that’ll leave us in a lurch.

2. If they do accept it, I worry that in a year we’ll be back in the same position – escrow statement comes in and we are short AGAIN and unable to pay that balance and they tack it onto our payment every month…and BAM we’re back at square one…

Unless something changes I don’t know what to do or where to turn…I’m looking for work, been looking for work, but the market here in pretty saturated and jobs are scarce…my co-workers been applying for jobs for going on the last two years or so now and nothing, she’s had a handful of interviews but nothing…so I keep on keeping on…the resume is posted to Monster & Indeed and I am hopeful to find something at this point.

I still want to work in publishing – but unable to make the move anywhere…

I worry that if we do have to move that my poor furbabies are going to have to be re-homed…no rental is going to take 2 Dogs, 3 Cats + 1 Bearded Dragon…so then what?  I don’t want to uproot the kids, but I don’t know if we can continue on the path we’re on…

Just don’t know where to turn – what to do – or where I’m going.

Just needed to VENT…

Someone answer me this?

Why do mortgage companies feign to want to help you, then when you say “Ok yeah you can try to help me” do they then turn around and make the processes so complex and complicated that you just want to throw your hands up and say “You know what? Never you mind, we’ll just walk away!” Ugh, we’ve started for what now the fourth time the process of a modification on our loan, at present we’re something like 7-Months behind on the mortgage, owing somewhere in the neighborhood of $7,400.00 to the mortgage company.  Yeah they called last night and were like “Your balance tonight is $7,450.00, what can you do to bring this balance current?” Seriously? I just laughed at the guy and hung up the phone…I mean if I am THAT far behind what in the WORLD makes you think I have the funds to bring that current?  IF I had that money I wouldn’t behind…I mean seriously?!?!?

This, my friends is a case of the right hand (collections) NOT talking to the left hand (homeowner support services)…I literally had JUST talked to our “Counselor” hours prior (literally something like 3 hours before) and did the phone interview for a modification giving her all the reasons why we’re behind (which will be listed below), our financial picture (again will be listed below), and discussing the options.

Ugh…so this nice woman sends me the email with the required paperwork to be collected and documents from them I need to fill-out, sign and send back – man alive what lawyer writes this shit? I mean c’mon, why in the world does the wording have to be so daggon complex??  It literally reads in such a way that anyone with less than a college education wouldn’t be able to begin to understand it, I think they do this so you won’t file for a modification…ugh.

Ok so our reasons for being behind:

1. My salary has stayed stagnate.  That lovely email I sent to our HR team did NOTHING, I seriously haven’t heard anything back from them, nor do I expect to at this point.  Boss lady told me that the HR Manager for the area is working diligently to get me and the other woman in my position hired on full-time staff, I don’t believe her AT ALL!

2.  The cost of living has gone UP! My grocery budget once upon a time was $115.00/week – went up to $125.00/week – $130.00/week and so on up until now we’re at $200.00/week averaging $195.00/week.  Seriously the cost of a gallon of milk @ WAL-MART, WAL-MART PEOPLE is $4.59/gallon! That’s more than a gallon of gas.

3.  With having to buy Bessie (our Chevy Venture) our loan payments may have gone down by $36.00/month to $300.00/month BUT our gas cost has risen from $35.00/week for the Focus’ 13-Gallon tank to $60.00/week for Bessie’s 26-gallon tank – which she burns through every week just doing our usual back & forth to camp-work-camp-home-gym-home!

4. I STILL don’t get paid days off/time off, and my kids have had more than their normal number of doctor’s appointments this summer, so I’ve missed more hours of work each week this summer than last summer…which equals NO PAY! There’s not enough work for me to get my 40.0 hours/week, never mind overtime!

5.  See #1  – due to that situation I’ve no desire to burn myself out on overtime hours to try and keep ahead of the 8-ball so to speak in terms of my weekly work, so I’ve not gotten the usual 8-10 hours/week of overtime I’d have gotten in the past…oh well.

6.  With my traffic ticket I now have a $318.00 defensive driving class I have to take in order to avoid the hike in my insurance – lovely right? ($263.00 of this is COURT COSTS ALONE!)

7.  With my hubby getting into grooming school, I now have to purchase his toolkit, which means a $100.00 deposit and roughly $54.00/month for awhile until it’s paid off.  YES he’s going to see an uptick in his pay, BUT I won’t see the full value of this until sometime in 2015.

So with everything that’s been happening in terms of the finances and this re-mod.  I’ve been tracking our spending, so here’s the breakdown for July 2014 as I haven’t set-up the spreadsheet for August yet:

Budget Spent – W/E 07/06/14 Spent – W/E 07/13/14 Spent – W/E 07/20/14 Spent – W/E 07/27/14
Mortgage + Utilities
CitiMortgage  $    900.16  $                   225.00  $                           –    $                           –    $                           –  
Progress Energy  $    123.00  $                           –    $                           –    $                           –    $                   123.00
CFPUA  $    329.00  $                           –    $                   150.00  $                           –    $                           –  
AT&T  $    123.00  $                   123.00  $                           –    $                           –    $                           –  
State Farm  $      83.71  $                           –    $                     83.71  $                           –    $                           –  
Tate & Kirlin  $        5.00  $                       5.00  $                           –    $                           –    $                           –  
Banfield  $      24.95  $                           –    $                           –    $                           –    $                     24.95
Planet Fitness  $      19.99  $                     19.99  $                           –    $                           –    $                           –  
Brigades Boys & Girls Club  $    400.00  $                     80.00  $                     80.00  $                     80.00  $                     80.00
Groceries  $ 1,000.00  $                   194.36  $                   146.66  $                   223.75  $                   194.72
Gas  $    300.00  $                     59.15  $                     70.00  $                     50.25  $                     60.00
Pizza Night  $    125.00  $                     28.85  $                     24.07  $                     23.33  $                     23.35
Jimmy’s Money  $    100.00  $                     20.00  $                     20.00  $                     20.00  $                     20.00
Cat & Dog Food  $    200.00  $                     29.62  $                     17.99  $                     31.44  $                       5.98
LAS Financial  $    375.00  $                           –    $                     75.00  $                     75.00  $                     75.00
Great Lakes 1  $            –    $                           –    $                           –    $                           –    $                           –  
Great Lakes 1  $            –    $                           –    $                           –    $                           –    $                           –  $        7.99  $                           –    $                           –    $                       7.99  $                           –  
Merrill Transfers  $      25.80  $                       2.46  $                       3.30  $                       7.77  $                       4.17
Misc. Spending  $      80.00  $                     31.76  $                     17.95  $                     43.75  $                     23.21

We’ve been right @ our weekly cash withdrawal all month, and therefore not depositing as much into the savings box…

So you can see we need this re-mod, I’d love it if they’d extend the term of the loan to a 40-year and tack on what we owe to the end of the loan – if this doesn’t work our next option is Chapter 13…wish us luck ya’ll!