Posts Tagged ‘Moving’

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.

So my boss calls me into her office for an update meeting this morning….I knew, somehow I just knew…yup they’ve hired someone.  Well THAT was quick…

My replacement starts 9/14

She’ll be in the Tampa office for that week getting indoctrinated to the company

Then she’ll be here in Wilmington the week of the 21st so I can train her

My last day is 10/2

Oh gee Thanks…

They’ve offered me a $1,000 retention bonus to stay on and train her on top of my severance package…

Can I just puke now?

I came into work in a decent mood and that just tossed out like the garbage I’m being treated like…

Hubby said “well at least you have a date now and the money will help” yeah but it doesn’t un-sour my mood…a raging headache has settled in and I just want to tell the company to go F*ck themselves I’m outta here…ugh but we need the money.

He also said that this might be a good thing because I’ve been miserable at my job for a long time – and he’s right I do hate my job and the company is less than stellar as far as I’m concerned, BUT we need the money, especially with him being unemployed…

So I am thinking we’re probably MD bound permanently after the holidays…we’ll see…I hate that idea I really do, while I love my family and l do enjoy visiting with them, the very idea of returning to MD just makes my skin crawl…ugh…

Not sure what we’re going to do quite yet…Hubby’s a bit more optimistic than I am…

Ok I’m gonna go crawl under a rock now and puke!

So where are with with the modification…as of right now STUCK…what I mean is simple, Citi sent us a letter stating they can’t approve us for a general modification due to our financial documents we’d never be able to re-pay the arrears, which are in the 5-Figures right now…yes we’re that far behind guys…and that we can be approved/set-up for a FHA Making Home Affordable something or other, but we’re waiting for a letter to arrive for that – when my hubby called last week or the week before about it our “counselor” told us that the letter hadn’t even been sent – there was a deadline date of 10-09-14 on the original letter…so where does that leave us? Currently in limbo.  I’ve been looking at rentals in our area, but there’s nothing we can reasonably afford that’ll accept our animals – and um yeah Giving them up is JUST NOT an Option! We’re not that kind of family…we’ll keep looking until we find somewhere where we can take them all (all SIX of them!) – the only remotely decent thing I’ve found is a 4-Bedroom house out in  town called Delco, which is about 30-Mins West of where we are currently located and about 45-Mins from where I work…while not ideal, if push came to shove that would be an option…then again I am willing to bet it’s been rented by now – so we keep our eyes out and see what life brings our way…

So what else?

Well a thought occurred to me over the weekend, and why I didn’t think of this sooner I’ll never know – but there’s all this news of pushing the minimum wage rate to $15.00/hour – which to me seems a bit extreme, but whatever – it finally dawned on me that $15.00/hour is MY SALARY! So if this minimum wage thing passes I’ll basically be making Minimum Wage…uh Hells NO! Ugh seriously need to fix this…YES I’ve been looking for work…NO I haven’t had a single interview…NO I have zero clue why…I am curious though as to what in the world we’re being set-up for.  My hubby just started working as a groomer (he’s still in his 8-Week 100-Dog Training Period) and will be making more money, but why in the world is it that I am “stuck” – I have a few ideas lined up in my head, it’s just a matter of making them become reality…so with that I am going to add in the below.

Now for anyone who has stuck around my blogs for any length of time will know that I am a TOTAL sucker for all things Nickelback – and when I heard they were releasing a new album, well you know I have been all over that…however, as per usual Chad’s got a message to share be it Political (as is evidenced in the 1st single off the album, Edge of a Revolution) or motivational, as is the case with the below, ‘What are You Waiting for?’ I hear this and think to myself that it’s time to move forward and time to get my arse moving!

So then this all begs the question of Where in the World did things go askew for me??? My financial life has been a royal friggin roller coaster since I moved out of my parents house back in the summer of 2000…what is it that I am missing? I have a wonderful husband whom I adore, two beautiful children and yet we continue to struggle – when are we going to get our release? When are we going to finally be in a settled situation?  Ugh frustration is running rampant here, can’t you tell?

21311837-outlined-light-bulb-character-showing-a-dollar-bill So this week was a long one – and tough on us financially – while I did get some overtime, it  wasn’t enough sadly and we overdid it again in terms of the bills – then again we had (2) two big  bills come in that had to be paid we didn’t plan for – I know sad I don’t plan for the electric bill,  but alas it came in and we needed to pay them almost $200…I am not sure what else to do, our  electric bill is so high that there’s no end in sight.  We unplug all of our small appliances (well  there’s only 2) when we’re not using them, turn off lights when we’re not in a room, have a  ceiling fan in our living room, and don’t run the heat/ac unless it’s extremely cold or extremely hot – we don’t have a dishwasher so we’re not running that all the time – the only things left on consistently are the lamp in the living room, the computer, the light over the stove and sink – BUT they are all switched off at night when we go to sleep or if we leave.  Unless we are going out at night, all lights are turned off when we leave – if we go out in the evening we leave the light on over the stove so we don’t come  home to a completely dark house…yet our electric bill is still so high…don’t get it…so that was $195.00 to be paid.

tagtax At the same time our Vehicle Tax/Registration bill came in from the NC DMV, $65.19, to be  paid in order to get a full tag for our new van – for now we have a temporary sticker on the  tag.  I paid the bill now vs. waiting until almost the deadline – then again the dealership would  not have given me the tag unless I paid the bill right then and there…Ugh if I could roll my  eyes here I would.  While I am happy Bessie now has her tags and is official in the eyes of the state I wish that the bill would have come in a few weeks vs. now…but alas it is what it is…

relocation3

Though the upswing to all of this is that on 3/31 not only did I cross the bridge of my 13-Mos blogging anniversary, we also hit 8-Years since we left the DC Metro area and moved to North Carolina…I still can’t believe it’s been 8 Years.  That day 3/31/2006 was a daunting one, we packed the final items into the truck, loaded up myself, the kids and our two cats into our car with my husband and Dad in the moving truck and off we went, for 9.5 hours we drove south on I-95 then to I-40 East to Wilmington, twas the longest day of my life, but one of the best! Moving here was a difficult decision, not one we came to easily, but it was one that has been for the best!  Coastal living certainly has agreed with us and for that I am very happy! So happy 8th Anniversary to us!

Ok so onto why we’re here, the budget:

 $31.69 Remaining from W/E 03/16/14  $519.45 Lara W/E 03/23/14 Salary, Pay Date 03/28
 $16.00 Amt. Spent  $ 233.96 Jimmy W/E 03/23/14 Salary
 $15.69 Avail. Starting  $753.41
 $15.00 Savings for X-Mas ’14  $15.69 Avail. Starting
 $1.00 Facebook?  $753.41 Total Pay
 $ –  $769.10 Avail. For Bills
 $ –
 $16.00

And the breakdown:

 $769.10
 $195.00 Progress Energy
 $574.10
 $65.19 NC Vehicle Tax
 $508.91
 $70.00 Brigades Boys & Girls Club
 $438.91
 $200.00 Groceries
 $238.91
 $25.00 Dinner, 03/28
 $213.91
 $25.00 Jimmy’s Money
 $188.91
 $60.00 Gas
 $128.91
 $40.00 Cat & Dog Food
 $88.91
 $5.00  CCA, 03/31 Auto-Draft
 $83.91  $83.91
8%  $6.71
 $6.71  $77.20

So there we are – I forecasted out our budget through the end of April and I am sad to say it’s not going to be pretty unless we get some kind of financial gift or something comes through…not happy to say the least.

Still looking for another job, its slow going, but I am looking.

Hope you all have a good week – weekend, it should be lovely here through the weekend, have a few more items I need to get my hands on this weekend before going to Camporee next weekend, I am just hoping for nice weather honestly LOL!!

Lesson Learned here: Pre-Planning can help unknowns and unexpected financial expenditures from happening…good luck with that one!

Images borrowed from:
http://www.123rf.com
http://www.myfox8.com
http://www.martialartsptc.com