Archive for January, 2016

Good Monday Morning One & All –

So thought I’d check-in with a current status update on the Silver situation – we paid them on Friday – $2,035.00, yes you read that right – they quoted me $1,134.00 to get her out of Repo then because it took us a week to raise the funds required to get her, another payment posted, $540.38, bringing the total due to $1,674.38 and THEN there was Repo Fees Added in the total of $361.00 they failed to mention when we spoke initially.  Ugh add to that A $30.00/day storage fees x 12 Days = $360.00…I could just puke.

THEN THEN when I call them on Friday afternoon to find out where we were once it was paid they said they couldn’t release her until TODAY…sure it was 3pm on Friday, but STILL! They couldn’t be bothered to express the paperwork so I wouldn’t have to pay an additional $60.00 in storage fees.

I am so burned…I’ve filed a complaint with the Better Business Bureau and will be filing a formal complaint to Regional today as I feel they’ve taken advantage of our already precarious financial situation.

Oh and to add to it, hubby calls me last week on the 21st and tells me that our water was shut-off…WHAT?!?! Thankfully we have access to our shut-off and can turn it back on, but STILL!

I swear one more thing gets added to my plate I might just need an asylum…this is CRAZY!

So yeah that’s where we’re at…hubby went to the foreclosure hearing last week and it went as expected – we got on with a nonprofit that’s going to help us try and save our home – so that bought us a 60-day stay.  Otherwise, we’re probably going to see a power shut-off soon because every penny I have has been going to Silver this week…

Silver

Good Morning All –

I’ve posted the ups and downs of our financial life and yet I’ve never asked for help – a few days ago our much needed van was repossessed – it’s my fault – we fell behind on the payments and didn’t communicate with the finance company – so yes I take full responsibility for it.

HOWEVER we need our van so I can get back and forth to work – I can now afford the payments with my new salary – albeit its temporary – I am certain I’ll get moved into a new position quickly with the contract company I am working for.

I posted this from GoFundMe to my Facebook Page this morning

“Good Morning Friends & Family –

Still need help with this! We can’t get Silver back without your help!

We are desperate – we’re at $360.00, would LOVE to have at LEAST $750 before we try and go get her. I lost hours this week with Austin being sick and dealing with this mess on Wednesday morning so I lost pay – PLEASE!

If you haven’t donated yet, Please Do! Believe me your help will make a WORLD of difference to us.

If you have donated THANK-YOU from the bottom of our hearts! There aren’t enough words to describe how thankful we are for the outpouring of your support!

PLEASE!”

Here’s the link again

gofund.me/69nv96q4

Thanks So Much Everyone!

Just when I thought we were going to be somewhat ok – I spent time planning out things financially – and BAM lack of communicating with the lender has lead to Silver being Repo’d…went to leave for work this morning and discovered she was gone…they’d come and taken her overnight…those louses…

So we’re not 100% sure how much is needed to get her back, but it’s going to be somewhere in the neighborhood of $1200 – $1300 – I’ve decided to start a GoFundMe campaign to beg for help

Please click here to donate

We really need our van so we can get around.  So I can get to and from work everyday.  I need my job.  This cannot be happening right now!

Ugh, the New Year – Everyone looks forward to a fresh new start but alas I look this year with disdain – we’re staring down the barrel of this foreclosure hearing in 20 days…and from everything I am reading online that gives us roughly a month (20-days until the hearing + the 10 days until the sale) before we’ll have to vacate.  Was hoping for more time – but it doesn’t seem like it’s going to happen…I could just cry and puke all at the same time…we worked hard to buy our home – spent 6 stressful months trying to find the home – get the offer in – and then finally close – only to have one piece of bad luck after another thrown our direction..and now its culminating in this.

We’ve outlined how much we can swing each month for rent, $750 – $775 no more, and that leaves us looking at a 2 Bedroom place with my husband and I sharing the living room as our bedroom…how much does that suck?!?!  We really want to stay in the kids’ school districts at least through the end of the school year – BUT the hearing isn’t before a Judge – nope it’s before a Clerk who is just checking paperwork to ensure everything is as it should be…great…

We’re looking for places to live – I found a handful – the problems are going to be:

a) coming up with a deposit – we outlined last night how much we need to set aside each week for the deposit until we have to sign a lease and move but if its getting pushed up I’m now going to have to squalor away every cent I can and

b) the animals – I’m NOT willing to re-home any of them – I can’t be convinced otherwise – and with two large breed dogs its not going to be easy…

So right now we’re a jumble of unknowns and anyone who knows me knows this is DRIVING ME INSANE!!!!

So then over Christmas we’re with our families and BOTH sets of parents are asking us the same questions about where are we going to live? If we couldn’t pay our mortgage how are we going to pay rent? And asking my husband how his job search is going – alright let me talk about this one for a moment – he’s looking, he even got asked to join a company and be a tax preparer for tax season – BUT the caveat would be he’d have to be in training ALL day starting tomorrow for 6-Days, then he’d probably be working full-time…wonderful, right? WRONG! We have no means for daycare – meaning I leave for work before any place opens so there’s no where for our daughter to go next week while she’s still on her intercession – our son returns to school Monday – AND there’d be no way for my hubby to pick them up in the afternoon – he still doesn’t drive and he doesn’t have a vehicle…so he had to turn it down.  As well meaning as some of the questions are we’ve looked at this from all angles and with my weird long days right now we just can’t do daycare/after school care etc.  It’s not the money – it’s the getting the kids to-and-from – so now my husband feels even more guilty because to him the messages came across that he was lazy and not willing to work – ugh – told him that I need him at home right now – his job is to take care of house/kids/animals – which he’s done with grace this week – even going so far as to learn how to cook some of our favorite meals!

Right now I have no answers – we’re trying to find a place to live – we don’t have a real timeline of anything at the moment – and until after that hearing we’re not going to know exactly what’s going to happen.

We do know that we aren’t going back to MD – I am not walking away from my new job – as it could lead me to other positions similar and allow me to provide for the family – as scary as a thought that is – this type of contract/field work doesn’t fall out of the sky and its something I have to jump on now vs. later.  I don’t know what my Contract Company is going to have me do once this project is up – I’ll start asking for a new position as close to the end of the project as I can – but again that unknown.

So I hope Everyone was Safe in their Celebrations Last Night – I am Still Feeling Very Overwhelmed and Wish I could Give the answers so many are looking for…but alas I don’t have them.