Posts Tagged ‘Mortgages’

So here I thought for sure that with the Mortgage Modification underway I’d only have that to worry about…see these two posts:

Well Here We Go Again…Into the Grinder of a Modification


Thoughts on the Modification…

I thought for sure that the Gods and Goddesses wouldn’t dump any more on my platter…but oh no, No No Nope No No Nope…we now have this to add to it, so here’s what happened on Tuesday morning on my way to work after I dropped my daughter off of work I got this bright red light on my dashboard telling me “Engine Coolant HOT” um Oh My Friggin GOD are you kidding me?!?!?! So I proceed onto work as per usual, however the road I am on is full of traffic, so I turn off to take an alternate route only to have the van decide not to run correctly, like I couldn’t accelerate properly.  So I turn off, make a U-Turn and head back to my house.  I open my engine hood and pull open the coolant area and BAM a chocolate colored goo spouts out and gets everywhere…ugh…ugh…ugh…it’s in my coolant area, in the transmission area, and just all over.  So I clean it up as much as I can, and call my mechanic.  He comes over and it’s the Radiator/Water Pump = $380.00 with labor…ugh…so I have to put it on the back burner until Friday when we get paid…send text to my boss telling her I am having car problems and I wouldn’t be in for the rest of the week.

The bright side here is two sided:

1. One of my amazing co-workers was willing to bring me my computer while she was out on a company-related errand!

2.  My hubby was home from Grooming school for two of the three days I was working at home, so I was able to spend the time with him.

I’ve lost more hours of pay, but tried to make them up as the week went, though I was only able to make-up some 3.0 hrs. of the 7.0 hrs. I missed on Tuesday…ugh…

So now the mechanic took the van on Friday morning, got the parts necessary, flushed the tranny fluid and replaced the parts needing replacing and brought it back to me.  So I took it and did our normal Friday evening stuff, the engine temp. stayed normal, then as we were heading back home from our Pizza place she started this shake-shake-shake thing shifting to 1st gear…ugh…ugh…ugh.  So he called me to check on the additional money he needed for the transmission fluid, $30.00, and asked how she did,  told him what happened and he said he’d get with me this morning, Saturday, and we’d figure it out.  Had to drain my Merrill Savings account to pay this to him…and keep funds in the account for my Hubby to use for groceries for the week.  I only budgeted the $380.00 he initially quoted me.  So then this morning, it was another $22.00 gone he used it to put this transmission stop-leak thing in the fluid and it should work.  Well it did for the errands I had to run:

1.  Pick-up a Trumpet Rental for my Son, $74.00 ($14.00 more than budgeted)

2.  Costco for some groceries, $25.00

3.  Wal-Mart for Groceries, $101.00

When we got back our neighborhood BAM she started the shake-shake-shake thing coming off the many stop-signs I have to go through…ugh…ugh…ugh…

I seriously wish I knew what the heck was going on and why now that my hubby is out of town this is suddenly happening…ugh!

I am out of money

I am out of time

I am out of energy to handle this right now

I am DONE!

My husband and I were discussing this last night and I want to put it out there for the world…I have a serious bone to pick…

I work with a woman who is basically on the same level I am – we’re both Temps with no inclination to be Service Manager’s nor do we have the option of paid time off or a raise or benefits, etc. You’ve heard me go on and on and on about this issue with work…her hubby however works for our competitor, who also has people right in the same building as us, but he works in a different area of the plant we work at – when the contract he works on switched from my company to our competition he was making something like $20.00/hr.  His skill set is specialized and he’s a lead – so I imagine since the contract switched over he’s gotten a raise of some kind…

Now this woman I work with gripes ALL the time about how she lacks the benefits we should have – how having unpaid time off due to holidays, plant closures, etc. KILLS her budget and hurts them financially.

YET both of her boys attend a local Private School – NOT on scholarship

She spends roughly $250.00/week in Groceries (she’s disclosed this to me) – her water and electric bills are just as high as mine – if not higher – she runs her dishwasher/washing machine & dryer just about every day.

They rent their home in a higher-end part of town where there’s money and I know the houses rent for almost TWICE what they would in my area…we looked in that area when we were looking to move here from MD.

At the end of last year they borrowed money from her husband’s 401K to buy a used Jeep Cherokee V8 Engine in good condition – over the weekend they SOLD it and bought another car taking on a private loan through a bank to do so – when I asked her if she took the money from the sale of the Jeep and payed it towards the loan on the new car she said “No we’re buying a house”! WTF?!?!?!

Um wait a minute – so you took a loan on your husband’s 401K to buy a newish car to replace the 15yr old Van you had (which was in poor running condition, 250K miles, etc. needed replacing), went on and on about how you didn’t want a car loan, etc.  Then you turn around SELL the Jeep you bought and don’t use the money from the sale to re-pay the loan on the 401K or even pay down the loan on the new car?? No instead you’re not only buying a house but your BUILDING one?!?!?!

The logic here was she didn’t like the $70.00/week Fuel Expense – I get that, but you didn’t think about that BEFORE you bought the thing?

Oh and the icing on the cake here – they had a FORECLOSURE several years ago when her husband was laid off from his job…

Seems to me priorities are all kinds of screwy here…

The bone I have to pick is this – why are you griping about your finances to me (who you know is struggling JUST to pay her mortgage each month – which I am unsuccessful at doing and you know this WELL) yet you turn around and do all of the above…um WHAT?!?!?!? Seems that she either isn’t happy with where she’s at and is trying her damndest to relate to me (but is FAILING miserably) or she really just wants more income so she can spend more…makes zero sense to me…

Personally I’d have taken the money from the sale of the Jeep and used it to either replace the money in the 401K or OR paid down the loan on the new one…NOT used it to take on more debt!

She’s a nice person, don’t get me wrong – and normally I don’t judge peoples’ financial decision as each person’s situation is unique but this one just irritates me to the CORE! And they wonder why I hide in my headphones all day…we’re STRUGGLING literally STRUGGLING financially and everyone around me is doing fine financially…so I can’t relate on any level to them.

Ok enough from me…thoughts?