The Juggling Homemaker

Home Affordable Modification Plan

2009-11-07T11:58:00.005-07:00

Have you noticed how many name changes this government modification plan has gone through? HASP, Making Home Affordable Plan, HAMP...blah, blah, blah. Maybe they'll do a better job at getting the plan right, than they have at coming up with the right name. Hah! We can hope! :)

Anyway, I thought I'd update you on our case. We finally got our signed documents returned from Bank of America. These are only the ones we signed for the trial modification at the end of July. It took three months for them to sign and return our copy back to us (acknowledging the agreement, I suppose), but I'm told this is a good sign. We went ahead and continued making the lower trial payment for November, since that is what the HOPE Department told me to do. We'll see what happens from here, but I have hope that all will go well in the end. Call me an eternal optimist!

If you need information or support on how to start your own HAMP process, I highly recommend checking out Loan Safe. I got a lot of tips there that certainly helped to escalate things in our case.

Credit Card Reform for Whom?

2009-11-07T11:08:00.007-07:00

I've heard quite a bit of talk in the last year, as I'm sure most of you have, about credit card reform. These new laws were supposed to help protect consumers from shady credit card practices with the excessive charging of fees. These laws are set to go into effect next year.

I'm wondering though, who is this really helping? In this last year, my rates on four of my credit cards have jumped, and the credit lines were decreased. Was this because of me being late on my payments, or charging excessively? No. In fact, most of my cards didn't even have a balance, and I've never paid late. I also pay more than is due most of the time (though that overage amount hasn't been much lately because of my husband's hours being cut at work and our income dropping close to $1000 a month).

I know this isn't happening to us alone. I've heard many stories both online and in person of people getting their credit lines cut (even businesses) and their interest rates rising significantly. I empathized, but hadn't really been affected as much as some, since our rates only jumped half a percentage point at first, which was bearable, if annoying. And while our limits were cut, it didn't really hurt anything, except maybe our credit scores (which would recover eventually).

Still, it made me think. Who was this reform really helping? Certainly not those who have been utilizing their credit and making their payments on time. Certainly not people like me in middle America, who have been slammed by the economy, but have still been responsible in the use of credit and meeting payment obligations in whatever way we can.

There is one card we have been using in this last year to help us get by until Tony's hours improved a bit and we were finally approved to do the Making Home Affordable Plan (also known as HAMP or HASP) trial modification. This card had the lowest interest rate to begin with (at 9.99%) and was initially with Washington Mutual. It helped us when we needed two new sets of tires last winter. It helped us when our cat had a veterinary emergency. It payed the bill with the unexpected medical emergencies that came up in our family. You get the idea. It payed for those extras that we just couldn't come up with when the economy tanked and business went down here.

We haven't used it recently, since Tony is now finally up to 40 hours a week (still well below what we've gotten used to over the last 14 years, but much better than 32 hours a week) and we've been making the lower mortgage payment. Finally, we could see a way to catch up.

That is, until I got the notice from Chase (who took over WAMU). They were changing my interest rate. I'd already received a small rate hike of half a percent at the first of this year, which I took in stride. But this new rate was ridiculous. They changed my fixed rate to a variable rate, effective December 1, 2009. What did that mean for me? Well, starting on Dec 1, my rate would be double what I first had. Double! Can you believe that? I would be paying twice the interest every month! It would effectively be the monthly payment I'm currently making, all for just interest.

So I called them today. I asked them what I could do to prevent this. They said I could refuse the new terms. I asked what that meant for the account. They said I would have to close it. I asked if that meant I had to pay the balance in full, because there was no way I could do that right now. They answered no, that I just would be unable to use the account in the future, but would retain the current interest rate on the current balance until it was paid off. I said, "Close the account."

I hope everyone knows that is an option. I hope no one thinks they have to accept these new terms the credit card companies are imposing on them to make up for what they are losing out on when these new laws go into effect.

But I ask again, are these changes really worth it? I know it hasn't helped me. It's only hurt us. I'm struggling to think of a single person I know who it is going to help. Please, someone enlighten me.

Anyway, if something like this is affecting you or someone you love, please don't be afraid to make that phone call and see what your options are. If you don't understand or agree with the first person you talk to, call back and talk to someone else, or ask to be transferred. Fight for your rights. Take care and God bless!

Loan Negotiator's Response

2009-10-21T15:10:00.003-06:00

I very quickly received a response from our loan negotiator from Bank of America in regards to the email I shared with you earlier. And here it is:

Hello Nellie,

Unfortunately I don’t have the answer you are looking for.

However you can call 1.877.221.0825 they may have your answer

Thanks

That's the very number I called and told him about. It's the HOPE Department. They too, didn't offer me much information, only said for me to keep making the trial payments until I hear otherwise. Feel like banging your head against a wall with me, anyone? Hah!

Making Home Affordable Update

2009-10-21T14:23:00.004-06:00

So I decided to call the HOPE department today, to see if they could enlighten me on what we can expect now that we've made our last trial payment on the Making Home Affordable 90 day trial modification. I had attempted to reach my loan negotiator, but wasn't so lucky in succeeding in that endeavor. I know they're swamped, so I'm not going to take that personally--yet;)

Anyway, they had no new information for me. They don't know when they'll have anything to tell me. I was assured our application doesn't have any negative notes and that they have all they need from me at this time. I'm trying to be reassured by this, but we all know I've heard that before. If you're new to our story, you can catch up here.

I was also told that I should continue making the lowered trial payment until I hear something back from them. That is a relief, since there was no way I was going to be able to make our regular monthly mortgage payment on November 1, anyway. Something that wasn't helped with my pricey lesson yesterday. Haha!

Here's the letter I emailed to my negotiator today:

I left a voice mail yesterday, but haven't heard back yet, so I thought I'd try email. We've now made our third trial modification payment for Making Home Affordable. That payment was made toward the end of September, and was due October 1. Since this time, all of our payments have come out of the suspense account and were applied to the mortgage interest, principle and late fees. None of it has gone to our escrow account and now it is extremely short of what is needed to pay our taxes next month.

Also, I still haven't received any kind of package, notice or info on what is going to happen with our loan now. Every time I check the website the information changes and the date gets pushed back. As of today, there's no date listed at all. Does this mean I continue to make the trial payments until I hear something, even if we're outside of the 90 days? One person on the HOPE team told me to do just that.

It's nearly the end of October and I have to say that I'd thought I'd know something by now. We've made all payments as agreed, we've sent all required documentation multiple times and have done everything required of us. Can you tell me what we can expect now and what is happening with our account?

What happens if, at the end of all this, for whatever reason we get denied? Do we suddenly have to come up with thousands of dollars for the difference between the trial payment and what our actual mortgage payments are, including late fees? That really would be a nightmare for us.

We are responsible, upright people and are willing to do what it takes to keep our home. We do not want a free ride, we just want a chance. We didn't ask for our income to be cut, as I'm sure you understand. We want to meet our obligations and are doing everything on our end to try to make that happen. This program can make that possible for us. We just aren't sure if we're being jerked around (pardon the expression, but it's the only way I can explain our fears) and we'll end up in a worse mess than when we applied for this program for help.

God Bless,
Nellie Butler

Hopefully I hear something back from him soon. In the meantime, I've been going to Loan Safe periodically to see how others there are faring. If you haven't checked that site out yet, you really should. I couldn't have gotten even this far without them. Lots of valuable information there!

Feel free to share any information or stories of your own here, too. Also, if you have any questions, ask away. If I have the answers, I'll let you know. If I don't, I'll try to point you in the right direction:)

A Pricey Lesson, but I'm Thankful

2009-10-20T15:11:00.006-06:00

It's amazing how much of a difference one day can make with one's attitude. Last night I was feeling pretty overwhelmed. "If it's not one thing, it's another!" I cried. It all started with an ice cream dessert with my family. We were watching Smallville on DVR (a favorite around here) and decided ice cream sounded good. We had a bunch left over from the multiple birthdays we had going on in the last month, so all we had to do was make a trip to the kitchen. Sounds like a great way to cap off the night, right? Not in this case.

The ice cream was super soft, which was curious, since the freezer was set just above the recommended setting (the only way we can keep up with the ice consumption in our house). So I opened the fridge to see how it was faring. I had noticed that the milk wasn't as cold at dinner, but had figured maybe I'd had it out longer than I'd realized. Nope. Everything in the fridge was definitely not as cold as it should've been. Not even close.

So we pulled the fridge out, moved things around, looked for blockages, tampered with the dials, anything to try and fix this ourselves and avoid an expensive repair or worse--buying a new fridge! We couldn't figure it out. Maybe our four year old fridge really was the lemon we'd started considering it as. After all, the repairman had already been to our house three times for it in the first year and a half. Twice it was for the ice maker and once for when the digital display and the lights had all gone out on it.

For this last year, two out of three lights wouldn't work at all inside (and the third one was temperamental). Maybe this was it. It was fried and we would be stuck shelling out mega-bucks on an expensive service bill or an entirely new appliance! No! Not now! We don't even know what's happening with our loan modification! If our Making Home Affordable application isn't approved, we have at least a few thousand dollars we have to come up with to make up the difference between the lowered trial payments and what our regular mortgage payments are set at. And then there's the late fees! Ugh! Not to mention we would have to still be able to pay that normal amount starting on November 1, too. You can see how any new expenses would not be in our budget, right?

Well, we set the temperature dials at full blast and did the only thing we could do at that time of night: we said our prayers and went to bed.

Once I got the kids off to school today, I called the repairman and was lucky enough to get an appointment for late morning. Turns out, it was all our fault. How, you ask? Well, it was all caused by a canister of raisins and an inconspicuous air inlet. It seems the canister was just the perfect width and height to block the one and only air inlet that regulates the temperature for the fridge. Somehow it had gotten shoved right up against the inlet and caused problems with the sensor.

And the bulbs? Well, it seems whirlpool fridges are a bit picky when it comes to brands. Who'd have thought it? A snobby fridge. It didn't like the energy efficient bulbs we put in there. The repairman replaced them with regular bulbs and I can actually see the whole inside of my fridge! Not necessarily a good thing, though, since now I can more clearly see that it's time for a scrub-down. Haha!

Anyway, it came to just over a hundred dollars with tax. And with that, I also found out why the timer on my oven quit beeping. Seems someone held down the timer button for too long (five seconds) and it turns the beeper off. So, I got three issues fixed because of my canister of Great Value Raisins. Hah! ;)

I choose to look at this in a positive light. Nothing serious was wrong. My fridge, thank heavens, is not on it's way out. And for that matter, neither is my stove. I hadn't realized how stressed I was about both of those seemingly minor problems until they were fixed.

Oh, I just have to tell you that I really have a lot of confidence and respect for the folks at Doyles Appliance Service. Shad Anderson is very professional and isn't going to charge you for unnecessary repairs. He took his time looking for the problem and then made sure I understood what was going on (and he didn't make me feel stupid for what turned out to be customer error). The easiest and most profitable thing for him to do would have been to just order a new control board, thermostat or some other item--since at first, the problems we had seemed to indicate that was the issue.

So if any of you are in or near Davis County (they may even service the Salt Lake area), I would definitely recommend Doyles. I couldn't find a website for them, but their contact information is here: (801) 292-0676, 45 West 200 South, Bountiful, UT.

Many problems can be solved by simply checking the manual, too. If you've misplaced your product manual, check online. I know that Whirlpool has their manuals listed online for free and it's really easy to look them up with the model number. I've saved myself a few calls to the repairman doing this.

Am I happy that this lesson cost me money? No, but it could've been worse! And who knows? Maybe my lesson can help one of you out there with your appliances. God Bless!

I'm Inlove with my Bread Machine

2009-10-14T12:21:00.003-06:00

No, really! We met about 11 years ago and while I was intimidated by its advanced technical skills at first, after a few years I was hooked. I make Italian Herb Bread, Old Fashioned White bread (the family wasn't impressed with the wheat recipes), roll dough, pizza dough, and now.....bread bowls!

I have a Broccoli Cheddar soup recipe that I've finally got down (though having said that, I do still reserve the right to tinker with it at a later date if I want to). And what goes better with Broccoli Cheddar soup than eating it in a bread bowl? Nothing, I say!

I've only had one problem with that: I can't find any decent bread bowls at any of the stores around here! They're all soft and flaky on the outside, and that doesn't make for the best soup bowl.

So I decided to do something about it. Why couldn't I make my own? I can make just about anything else I've set my mind to. This shouldn't be too difficult, right? So I did a search on the internet (using my swagbucks toolbar--which I love since I get to earn free stuff doing what I already do anyway!). I found this article detailing how to make homemade bread bowls from frozen bread dough. I thought, why can't I just use my French Bread recipe and run it in the dough cycle instead of the bread cycle and then follow the directions from the point of shaping the thawed bread dough. So that's exactly what I'm doing now. So far, so good. Keep your fingers crossed that it works for me! I'll have to update you, but I don't see any reason why it shouldn't work. I know my way around dough;)

I'll share my recipes for tonight's dinner here for those of you who are interested:

Broccoli Cheddar Soup

5 cubes chicken bouillon
1 tsp Worcestershire
1 tsp garlic
4 cups water
2 cups half and half or whipping cream
24 oz chopped broccoli
5 diced potatoes
¼ cup butter/margarine
½ cup onion
¼ cup flour
4 cups cheddar cheese
Season salt (to taste)
Mrs. Dash original seasoning (to taste)

Boil water, bouillon cubes, Worcestershire, cream, garlic, seasoning and potatoes. Cook until potatoes are tender. Add Broccoli.

Melt butter in pan. Add onion and cook until tender. Slowly add flour to make paste. Add mixture to soup slowly, mixing well to avoid clumping. Add cheese and mix well. Do not boil.

French Bread Dough

1¼ cups+3 tbs water (room temperature)
1 tbs butter/margarine
1 tbs olive, vegetable or canola oil
4 cups flour
1 ½ tbs sugar
1 ¾ teaspoon salt
2 tsp active dry yeast

(Use the link to the bread bowl article to finish)

Updates and an Apology

2009-10-14T11:44:00.004-06:00

Hey, all! I know it's been way too long since I last wrote, but I haven't had much time for writing lately. I'm sorry to leave anyone hanging here and wondering what's been happening with our loan modification. I've been meaning to write for ages, as much has been happening on that end, but everyday life has been getting in the way:)

We were finally approved for the trial modification some time in June. Why didn't I write about it then? Well, because I didn't know about it. I found out about it in mid-july, but was told days before the signed paperwork (which I'd never received) was supposed to be sent back in via Fed-Ex. The only reason I found out was because the mortgage payment I made for July was never applied and I got a notice that it was late. So I called them and asked what what was happening with the payment I'd sent.

First, I was told that I'd made no such payment. Then, at my insistence, and with my bank as proof that an automatic withdrawal had been made on July 13 (not technically late since it was within the grace period), they did some digging and found my payment.

They said, "Oh, it's been put in a suspense account, since you're being set up on the Making Home Affordable Trial Modification." Really?

"Are you sure?" I asked.

"Yes, that's what it shows here. The paperwork is due on [such-and-such a date] or the modification will be canceled."

"What paperwork?" I asked.

"The paperwork you were sent on June 26." Hmmmmmm.........Well, this was over two weeks from that date, and it was sent via Fed Ex, so I definitely should've seen it by this time.

That started the beginning of a nightmare. It took until the end of July to get the new paperwork, after they had to first determine to their satisfaction that I hadn't received the first packet (it turns out it was never sent due to a computer glitch). During this time, I was also told conflicting information:

"Yes, this is the Making Home Affordable Plan."

and "No, this is just a special forbearance plan until we can qualify you for the Making Home Affordable Plan."

and "No, you will not be reported as late to the credit bureaus as long as you're making your trial payments."

and "Yes, you will be reported as late because you're not making your full payments."

I managed to stay calm, reach my loan negotiator who eventually cleared everything up (It was the MHA trial modification and we would not be reported as late--though I did have to call them to remind them of that fact when they did reported us late anyway. But they did fix it quickly). Long story short, we have now completed the trial payments. What happens now? Good question.

I was told I should be hearing from someone to come to our house with the final paperwork for us to go over and sign for the real modification deal. So far, nothing yet. I'll let you know what happens when we find out. I'm really hoping it's not going to be another ordeal. It seems to take forever to straighten the people from Bank of America out. It's frustrating, to say the least, and I wonder if anybody there really knows what they're doing. I've sent and re-sent the same documents multiple times, and talked to so many people I've lost count. But I'm not giving up. I'll keep doing whatever it takes. I'm no quitter!

In case you didn't already know, Making Home Affordable is the same thing as HASP, but they've changed the name. Who knows? Maybe they've changed it again! Haha, who can keep up anymore? If you aren't already familiar with what's been happening in our case so far, you can read my previous posts here.

The Great Outdoors!

2009-07-28T14:49:00.009-06:00

Sunday we returned from our five day camping trip and I have to say we had a great time. We went with our good friends, the Masons, and stayed in the Uintas. We didn't stay in a designated campground (which saved money), but it was a great spot with a ready-to-use fire pit and even a perfect spot to do all our dutch oven cooking.

I do have to confess that we didn't go tent camping. We hauled our 37-year-old prowler trailer up there. The fresh water tank sprung a leak, unfortunately, and the second battery proved to be a dud, but we had plenty of other water we'd brought along (plus they have places for refilling your water up there) and several flashlights to light our way.

We went hiking and fishing, took a tour of the fish hatchery, cooked by fire and dutch oven, ate smores and had a blast! I have to say that it was good to get away. Tony's work at the school hasn't kept him as busy as we'd hoped. He's starting to get sent home again. It was great to get away and forget all that for a few days. It was a sanity-saver to think about something else for a while.

The views up there are just breath-taking. The peace you feel as you take in the scenery tends to remind a person of God's existence. I would definitely recommend the great outdoors as a prescription when you're feeling down and out. It's given me a boost and now I feel like I can continue trekking along, come what may!

Crash Course in Canning

2009-07-28T14:22:00.004-06:00

My hubby came home with four ready-to-burst grocery bags of apricots from his dad. While I love apricots, and some would say we're a good-sized family, I have to say that there was no way we could eat all of those before they started rotting. I set them all on the counter while I contemplated on what to do.

We were leaving for a five day camping trip in four short days and had much preparation to do there, but I couldn't just ignore this bounty bestowed upon us, could I? I was tempted though--that is, until I woke up the next day, moved the bags out of the way so I could make breakfast and saw that they were already beginning to spoil. I got out all my books, gave my good friend and neighbor a call and made a decision. I was going to learn how to can, and I was going to learn FAST!

My friend and I did two double batches of canned jam, 4 batches of freezer jam and two batches of canned apricots in syrup and even some homemade fruit roll-ups. It was actually a lot easier than I thought it would be, and thanks to my mother-in-law for giving me lots of jars years ago (in hopes that I would use them, I'm sure) and to my grandma Artheta who gave me her canning bath a few years ago (also in hopes of me learning this great skill) and also to my mom who gave me a dehydrator over a year ago (lots of people wanting me to preserve!) I didn't have much to buy (lids, seals and pectin--I already had tons of sugar in my food storage). Two days of canning later and I have a quite a bit to show for it :)

If you're interested in canning, check out this site to learn the benefits, acquire the know-how and get some recipes. I'll definitely be doing this again! It's a great way to build food storage and to save money!

But Mom!

2009-06-30T11:19:00.003-06:00

I've decided to do something this summer that I haven't really done before, or at least not planned out well enough to stick to. This year, though, I'm prepared and I'm determined. This year, much to my children's chagrin, I'm making it work. What am I talking about? Summer school!

I'm not talking about the school summer school programs, or those others out there that you have to pay for. I'm talking home schooling in the summer time. I have the workbooks (care of Sam's Club, Costco, Dollar General, Ross) and I have the internet to fill in any gaps. I also am making sure that I set aside the time and make it realistic. I mean, the kids have to have some fun this summer, right?

So the plan is that I get them at the kitchen table, with their worksheets already put together for them, three days a week for one to two hours. It's actually working out pretty well. My four year old loves it. Haha Now if only she can rub off on my 11 year old. At least he's cooperating :)

I got some great books I can work out of with them for dirt cheap. Most of them came from the dollar store, but I also found some of the big, all inclusive ones for a good deal at those other stores I mentioned above.

There are also some fantastic educational websites I've found with some great resources and where I can find and print out worksheets for free:

Sites for Teachers
Worksheets 4 Teachers
Math Fact Cafe
TLS Books

We've also been making weekly trips to the library. They've got a great summer reading program going on and the kids have already won prizes in their drawings.

The whole reason I'm doing this is that I found that the kids were having some areas they were struggling in on their end of level tests. I want to send them back more prepared and confident. I think it will make for a better school year.

And on that note, I'm going to be reviewing a Multiplication CD shortly. It was sent to me a while ago by a friend, and I'm using it to help my 9 year old with her times tables. I'll let you all know how it works and how you can get it in an upcoming post. I'm also thinking of doing a giveaway for it. But I'm getting ahead of myself now. LOL. More on that soon!

Enjoy your summer!

Going Where it Takes Me

2009-06-29T18:10:00.004-06:00

I'm sorry for the delay in my posts. Life has been, well, hard lately. My mom is still having a hard time. Her good days are very good, and I have hope that she's finding her footing. Her bad days are devastating and I've found I have to distance myself emotionally from her on those days to be able to function for my own family. Mental illness is no picnic.

My little sister was in the hospital for a few days, too. They found two blood clots on her lungs and are not sure what's causing them. They've put her on a medication to break them up and prevent them from returning. I've been praying for her and hope that she'll make a full recovery.

Hubby has gone back to working on Mondays, for the time being (for the rest of the summer, we hope), but he's not allowed any overtime, and without that, I don't know how we're going to catch up. I have to have faith that things will work out some how.

Countrywide/Bank of America is still stringing me along. The ARM refinance they offered me under the Making Home Affordable Refinance program was offered in ignorance of the fact that if you're already in a fixed loan, you can't be refinanced into an ARM. I had to tell them this information when I went to Freddie Mac's website to get more information on the program. Isn't it crazy that I know more about how these programs work that the mortgage company?

We went ahead and sent them all our information all over again a few weeks ago for the HASP, or Making Home Affordable Modification and were assigned a negotiator. He called me once on June 22, left a message for me to call him back using the Hardship number I already had, but left no extension. When I called back, they basically said there was no way for me to reach him directly, that they would email him and let him know I wanted him to call me again, but that was the best they could do. They also told me that he would probably try to call me again at some future date, and that if he was unable to reach me again, it could cancel our application. So I guess I'm suppose to stay next to the phone and hold my breath. Hah!

I haven't heard from Bill Gephardt since that first embarrassing phone call several weeks ago. LOL. He did tell me there were no guarantees that he could do anything, but that he would see what he could find out on all this. Keep your fingers crossed:)

So life has kept me on my toes. I'm fairly certain that whenever it feels like I'll catch my breath, something is waiting in the wings to come knock it out of me again. Some days I'm just fine with this, and just go with the flow. On those days, I look around me, thank God for the many blessings in my life, smile, and go along with whatever comes my way.

I wish I could say I was always this good. I'd be a better person for it, if I could manage it. But alas, I'm not there yet. On the bad days, I mutter, maybe even let out a curse, and just feel like my world is caving in. On those days I forget the blessings I have and ask God, "can I not be happy? Can't I just take it easy for a little while? Does everything have to go wrong at once?" Actually, that's probably the nice version of what I say on those down days. Haha.

I have to remind myself that without adversity, I can't grow. I'd be content to stay where I am, in my comfort zone, and learn nothing. I heard yesterday something that will stay with me:

The very existence of adversity proves God's love for us.

What? I thought at first. How can that be? Why would He want anything bad to happen to us? But that was the wrong way to look at it.

I can't tell you how many times I've told my children, when they were grumbling about something hard they had to do, that they would be thankful for it someday--because they'll be able to take that experience they've learned from and it will make things easier later. The very same principle applies to us.

Trials make us stronger. So reminding myself of that, maybe I'll have more of those good days, and complain less on the bad ones. It can happen, right? ;)

2009-06-12T15:55:00.004-06:00

Tonight is our pizza and movie night. We make our own pizzas to save on money and rent a movie from Redbox. Just in time to save us money, Inside Redbox sent out some working codes for today. I tried the one they said was working for all locations (for now) at Walgreens and it went through with no troubles. I'm saving the one they gave for McDonald's (set to be good until June 30--hopefully) for next week.

If you haven't done so already, you should check out Inside Redbox and subscribe. You've got nothing to lose and plenty of free movie rentals to gain!

I did do a no-no when I couldn't find a known family friendly movie we all wanted to see and just picked a movie off the full listing that I hoped wouldn't be too bad. I went to PluggedIn Online (where I can get a detailed breakdown of what's in a movie to help decide whether or not it's okay for kids) and found that the one I randomly picked was not one that I'd even want my almost 12 year old son to watch. So we'll have to find something else for them to watch tonight. Haha! That'll teach me!

If ever you have a question about a movie's content, definitely check that site out (for DVDs or movies in theatre). It gives a very comprehensive breakdown for even the most discerning of parents/viewers. Keep in mind though that you will be reading spoilers for whatever movie you're looking up.

Anyway, I wish you all a great weekend!

She's a Maniac!

2009-06-09T14:04:00.003-06:00

So today I'm going through my daughters' room with them--and it's a wreck to say the least--pulling garbage and dirty laundry out of their toy bins and giving directions on where to put things. I'm also blasting my Pure 80s CD on my 9 year old's CD player to make the task a little less tedious.

I'm bouncing around to the lyrics "She's a maniac, maniac, that's for sure..." whilst attempting to organize the chaos that is their bedroom and I shout an order over the loud music to the girls. They hesitate to follow, as usual, and I yell out over the music, "Just do it!"

I look up at my son, who I realize is holding the phone at me and I yell, "who is it?" He shrugs and passes me the phone. "Turn it down!" I call out over the music and reach for the phone.

"Hello?" I ask, thinking it's probably my hubby on the other end of the line, checking to see how my organization mission is going.

"Is this Nellie?" I hear a man's voice on the other end, but it's definitely not my hubby's.

"Yes, it is." I'm feeling bashful about the music and the hollering that went on before getting passed the phone. Oh well, it's probably just another telemarketer anyway, right?

"This is Bill Gephardt..." Yes, the Bill Gephardt from KUTV New's Get Gephardt.

Yikes! Hahahahahahahaha. What a great first impression, eh? I laughed, fumbled out an apology and told him I was going through my kids' rooms today. He assured me he'd been there himself with his own kids.

Anyway, long story short, he's looking into our situation with Bank of America/Countrywide and we may just get this story on the news. Wish us luck!

For those of you not knowing what this is referencing, read my last post.

You Can Kiss My HASP!!!

2009-06-01T15:01:00.002-06:00

Today's title is directed at Countrywide/Bank of America. It's now been over two months since we applied. During that time, as you know, I've called them regularly to check on things, only to be told it's going to take longer. The kicker? They've deleted my application and I have to start all over. I'm beyond upset about this. I decided to take the advice of friends and family and send Bill Gephardt of 2News a letter.

Here it is:

Have you heard of the Making Home Affordable Plan AKA HASP? Well, when my husband's hours got cut, we lost at least $1,000 per month of our income. We started to struggle to make our payments, draining our savings, cutting our bills where we could and clipping coupons. With no end in site to our money situation I called our mortgage company (then Countrywide, but now Bank of America) to talk about what options were available to us in trying to keep our home. It was then they told us about MHA (HASP), and we applied for it over two months ago.

I sent them everything they requested and called regularly to check on the status. One person told me it would take 7-10 days for me to get a workout packet. When I didn't get one, I called back and was told I should hear something within 30 days. When I called back after that, I was told 40 days, then 50 days, then 60 days.

Each time I asked if they had everything they needed. Each time I was assured they did and that my application was still under review. When I called back on the 60 day mark, I was told I needed to start the process all over again. Why? I was told it’s because my information is now two months old and also I didn't qualify on my first application.

Why was this the first time I was hearing this, after two months of phone calls? I asked that and was told they didn't know why no one told me. When I asked what kept me from qualifying now for the application, when I'd been told by several other representatives there that everything looked fine, I was told it’s because I'm current on my mortgage.

I told them that the rules say that I don't have to be behind on my mortgage to qualify, just that I have to show that we are in danger of falling behind and defaulting, which is what we're trying to prevent. They said that was correct, I don't have to be behind to qualify, but I can't be current. What? How is that possible? I asked this, and they said that I'm not considered current if I haven't paid my bill the first day it becomes due, which is the first of each month.

This modification process takes 30-60 days, according to them, so it would be impossible for me to qualify if I don't fall behind. If I play their game, and fall behind on the slim chance that I may qualify, it ruins the only other option they're offering me: A 5/1 ARM refinance at 4.215%. You have to have good credit to qualify for the HASP refinance program.

We aren't thrilled about the ARM idea, as we feel this is what has gotten so many people in this mess in the first place, but we don't want to lose our home either. According to the Making Home Affordable website, we’re perfect candidates for this program. What’s the problem?

We have several friends and neighbors who have called about this program, only to be given the run-around. According to each of these situations and the information we've all been given individually, at least some of us should have been approved for this program. Some have been told they have to be behind to qualify, some are told they have to catch up to qualify. I've yet to meet a single person who has been approved for this program in my online searches. Instead, I'm finding so many others that are being jerked around in the same way we have been. Good and responsible people are losing their homes! There are numerous websites and forums set up because of this.

What kind of program is this that Obama has set up to help responsible homeowners who have been hurt by this bad economy? How is it going to help any of us if they banks won't let us do it? Please help us, Gephardt. A lot of family's homes are at stake.

I'll let you all know if I get anywhere with this route. If I don't, I'll look for another. I'm not going down without one heck of a fight. Wish me luck!

Busy is an Understatement!

2009-05-27T14:07:00.005-06:00

I know it's been a while here. Between my yard work (I can officially call them flower beds instead of weed beds-Yay!) and sick kids (one sick four-year-old most of last week, and a sick one-year-old for a solid week now), I've had time for nothing else.

Oh! And it's a good thing hubby fixed the dryer (a loose screw on one of the agitators), because I've been doing laundry nonstop for over a week now--not that we don't generate a lot already in a household of six people without adding a nasty stomach virus to the equation!

The plus side is that so far it's only gotten hold of the two youngest members of our family. I'm hoping it doesn't go any further, as it seems to be long-winded. I feel bad for my baby though. Poor thing :(

I really feel that we do have some divine help on our side though, as I know we've accomplished a lot--despite the sick kids--in the last couple of weeks. A very, very good friend (perhaps an angel in disguise?) spent two of her days off working with us on those radioactive weeds (I swear some of them had to have been exposed and mutated!) I'll never underestimate the value of such a good friend. I'll have to try to return the favor.

Our yard is actually looking pretty darn good, if I do say so myself. We got our garden planted too, and so far, so good. Most of the seedlings we grew indoors have made it through the transplant, and the seeds we sowed in the ground are sprouting too. I'm so excited!

If you haven't got your gardens in yet, it's not too late. There's nothing like eating the food you grew yourself. It's cheaper, tastes great and is even better for you (no losing nutrients in storage and shipment). No space? That's okay, container gardening works well, too! Read my garden articles here for more info.

We've been listening to a lot of music during all that yard work. Some of it we got for free (no kidding) from iTunes. They have a freebie section that is updated regularly for you to check out and choose what you want to download. You have to have the itunes application on your computer to take advantage of this deal. So if you have an ipod and didn't know about this cool feature, check it out!

Well, that's all I have time for today. I accomplished this much with a baby on my lap! Are you impressed? Haha! Take care!

A Little of Everything!

2009-05-12T17:24:00.004-06:00

I haven't called this The Juggling Homemaker for nothing! It's always a juggling act here, trying to keep so many different things going at the same time. My mom is out of the hospital, but still having some struggles, so I've been trying to do what I can there, though it's not as much as she (or I, for that matter) would like. It's hard when you have your own family to take care of to do much of anything else.

We're still working on our yard and went and got more compost from Wasatch Integrated Waste Management at $25/truckload--not too shabby! :) We also got some of their medium sized bark at $10/truckload for our flower beds (okay, I'll be honest and call them weed beds--but we're working on it). We're going to whack the weeds down, put down another layer of weed barrier (better stuff, this time) and throw the bark down on top of that. Take that weeds!!! Haha! It was back-breaking labor to unload those loads from the back of the pick-up. Believe me, I'm feeling it today!

We could have saved on the back pain and had someone else come out and deliver that stuff for us, but financially that just wasn't feasible. We had to cut some things out of our budget to do it the way we did. But in reality, it will help if we end up having to sell, since it will add some curb appeal to not have massive weed jungles on all sides. It's impossible for me to keep up with it all! Hopefully it won't come to that, though. And to be honest, it probably wouldn't sell for what we'd need anyway....ah well...moving on!

We had optimistically got a movie from Redbox to watch last night. We didn't get to watch it because the work took longer than we thought. We didn't even get to staining the playset! So I'll more than likely have to pay for another night.

Yesterday was the last free weekly Monday they're doing, too. Yeah, I know, it sucks. I wish they would continue doing it weekly, as I only recently started taking advantage of it, but they're not giving us as good a deal anymore. However, they are going to start doing free monthly Monday starting next month, for over the summer. We'll be taking advantage of that. For more information you can go to Inside Redbox.

As for our HASP application, we're still waiting to hear. The waiting period keeps getting longer, as more people are learning about (good!) the program and applying for it. They said it could be anywhere from now to another three weeks before we hear. So far we're still scraping by.

I've learned this will all come down what they call the Net Present Value Analysis. That's where, after reviewing all the information they have for your application, the market, and your property, they decide if the mortgage investor would make more money on a loan modification or a foreclosure. They also weigh the risks of your situation in their decision. Hopefully, between the down market and the incentives the government is offering them, our situation will look more profitable for a modification. I found an online explanation that explains this better, if you're interested.

Anyway, we're plugging along. Overall, I'd say I have more to be thankful for than to complain about. I just have to remember that on the bad days ;)

Free Chicken Dinner From KFC

2009-05-05T17:49:00.002-06:00

Here's yet another reason to love Oprah. She's got a coupon for a free meal at Kentucky Fried Chicken on her website! It's for the two piece grilled chicken, two individual sides and a biscuit. Not too shabby, eh?

This is a limited time download and is only available from 9 a.m. CDT on May 5, 2009, to 9:59 p.m. CDT on May 6, 2009. So hurry! The good thing is that you don't have to rush quite as fast to redeem the coupon once you've got it. The coupon is redeemable at participating KFC® locations in the United States from May 5, 2009 to May 19, 2009. The only catch for this time period is that it's not redeemable on Mother's Day, May 10, 2009. It's one offer per person and can be found by visiting Oprah's site here.

I've already printed out mine! Yummy!

Want Some Freebies?

2009-05-05T13:58:00.003-06:00

While doing some of my internet research, I found out about a way to get free stuff than I didn't know before. See? You really do learn something new all the time! Did you know that Walmart has their very own free samples, trials and savings site? They do, though the good ones go fast, and their offerings are constantly changing, so you might want to bookmark it and check back frequently.

I went there today and ordered the Crest Whitestrips Sample. Who doesn't want a brighter smile? ;) Currently, they also have dog treats, Good Nights, hair care stuff and Cottonelle (plus even more). So if you don't have anything better to do and want to get something for nothing, go have a look.

If you're into finding these kinds of deals, I have them all over my site. Feel free to have a look. Happy deal hunting!

Venting...

2009-05-05T13:17:00.004-06:00

It seems these days are full of ups and downs. There are moments when I look at what I have--namely my husband and children--and my heart just feels full, to the point it's ready to burst with emotion. Then there are the moments when all the bad stuff weighs so heavy on my shoulders that I'm sure I'm going to collapse from it all.

I suppose that's what life is about. I just have to take the good with the bad. As do we all.

Yesterday we went to Sears to pick up some parts for our lawnmower, tiller and weed eater. No, they didn't all break at once (knock on wood!), they were just maintenance parts that we'd put off for quite a while and we couldn't wait any longer if we wanted to have them working for us in a few years from now.

While we were there, a gentleman came in to pick up his lawnmower, and for whatever reason, it wasn't there, the work wasn't done on it and he was beyond frustrated. He'd come all the way down there, and waited in a very long line, only to find out he'd done it for nothing.

The clerk who was helping us was called upon several times for this customer, who wanted his mower right then and wanted it fixed (understandable). It wasn't the clerk's fault that it wasn't fixed, he just happened to be the one at the store who knew the most about this customer's situation. Because of this familiarity, he got cornered on his way to the backroom to get our parts. The confrontation escalated and their shouting match could be heard throughout the tiny parts store.

I didn't know who to feel worse for, the clerk or the customer. Both were just trying to get their jobs done. Neither were having things go their way. Both ended up feeling upset by the way things were turning out.

I left feeling down for two reasons: one being because the parts we left with cost twice what we were expecting (of course), and the other because of the heavy atmosphere I'd just left. It was obvious to me that both men had a right to feel upset and yet neither was at fault for their situations. How do you fix something like that? How do you make someone feel better?

I know some of you are wondering why I let someone else's troubles get to me at all. Good point. I wonder that myself. If I figure it out, I'll let you know. Haha.

I suppose this economy has a lot of us on edge. So many people are feeling the pinch and that means there's more of us out there needing to vent before we explode. It's stressful to worry about finances, while at the same time your everyday life continues with family dramas, friend troubles, sick kids and everything else. We're still expected to function during this and get our duties done. It's too bad we can't just push pause on all those other things and just tackle each problem/task individually, right?

My mom has been in the hospital for the last week. She's going through a very difficult time in her life right now. I can't really say, "Sorry, Mom, can't deal with this just now. I've got lots of other stuff stressing me out, so can you put this off for later?" Hah! Yeah, that'd go over well. I'd disown myself!

Life can be hard. You've heard it before, you've experienced it and know it to be true. And yes, we all need to vent so we don't walk around like a shaken soda, waiting to explode on some poor, unsuspecting person who pulls the tab at the wrong time.

Find a way to decompress. I've found that writing helps me. Praying does, too. Find what works for you and go with it. Life's hard, but you can do it;-)

iCarly Giveaway Winner!!!

2009-04-30T17:18:00.003-06:00

The winner for the iCarly Season 1 Volume 2 DVD giveaway is from my site, The Juggling Homemaker: Melissa Chapman! Congratulations! I'm having some trouble finding a way to contact you, and there's no email address in your entry, so can you email me ASAP so we can know where to send your prize? :)

I really need to thank Hamsterkitten, from Mom on the Random. She took me under her wing and took care of just about everything for this giveaway (the only exception being the posting of it on my site--haha!) I'm still learning how to do this, and she's been making sure I don't get lost. Thank you, friend!

Thank you to all those who entered. I hope you'll be back, as I'm planning to do this again.

Lesson Learned

2009-04-28T16:12:00.007-06:00

I had planned to write everyday, no matter what. I underestimated the curve balls life can throw, and how that can definitely influence motivation. At least I'm learning to be more flexible, right?

We've been busy figuring out some big projects we've got coming up, besides our garden I mean. Oh, did I mention we had to start over on most of our seedlings? I believe I told you they grew a lot faster than we'd expected. They outgrew their containers and we didn't know what to do with them, as it is still too early to take them outside--we can't do that for another two or so weeks. Then, hubby didn't read the section where it says to get your new plants used to the outdoors gradually. He set them outside for the day, while we were doing yard work. Only the bell peppers survived. Haha!

I can laugh because they were so inexpensive. Now we know we don't need even close to the 7 weeks we planted ahead. A few weeks seems to be sufficient for our growing conditions. So we went and bought new seeds, put them back in our closet under the fluorescent lights, and now that they're all sprouted we'll gradually get them adjusted to the outdoors. Lesson learned!

Speaking of learning from trial and error, we've decided that we're learning a lot from these experiences. We've learned so much from the hard times we're experiencing now--things that we never would have even tried to find out about if life hadn't thrown a few bumps in our path.

Come to think of it, I think that I've learned the best lessons in life during hard times. Go figure. We always dread these difficult times because we're worried we won't get through them, or at least not come out of them intact. I wonder how many of us realize how much we actually gain from so many of those trials. I know they've made me stronger and I'm a better person because of them.

It's not always easy for me to admit that. There have certainly been times when I've been sure that someone "up there" must be out to get me and I've begged for some peace. Yes, even recently I've asked that God not put any more on my plate, as it seems to be overflowing just now. But in the end, I know I'll come out of this stronger. I'll come out of this smarter.

Does that mean I'm winning every battle? No (though I sometimes wish). But I'm not leaving any of these experiences empty handed. If nothing else, I'm learning to be a better gardener, a more creative manager of finances, a competent letter writer, and a pretty good negotiator;-)

I think you'll find that you've gained some knowledge from all of your hard times too. Just be sure that you do learn from them and don't repeat mistakes. Then you can say "Lesson Learned." I heard this simple phrase from a dear friend of mine and, believe it or not, there's some satisfaction in being able to say it at the end of it all.

Reach out and Improve Your Outlook

2009-04-23T14:23:00.005-06:00

I've got some more resources for those who are facing losing their homes. In addition to HASP, I've found some sites that are filled with useful information and contacts that can help you through this time.

Loan Safe has a lot of useful information for homeowners facing hardship. I found a ton of information in their discussion forums, too. I found some direct phone numbers for Countrywide in the forum they started specifically for Countrywide customers. There you can talk to people just like you and get ideas and advice on what to do next.

I also found NACA, a non-profit advocacy HUD certified counseling agency. They help homeowners to modify their loans and all their services are free.

You can still find the information I've gathered about loan modification and HASP with my articles here. As always, if you have any questions, feel free to contact me. I will do my best to help, or find someone who can.

On this note, I want to talk more about what is happening as a result of our economy. More and more people are at risk of losing their homes as layoffs and paycuts continue. Families are struggling to make ends meat and many of them are turning to their governments and churches for assistance.

It's definitely a humbling experience and can be difficult for many of us to reach out for help, for fear of having our hands slapped away--or even being ridiculed, criticized and scoffed at. I suppose this fear, or even the reality of the fear, is what makes some people come to the decision of ending their own lives and often the lives of their entire family.

This is becoming more commonplace in the news and it makes my heart sick. I cry for those people because they believed they lost everything and had only one option left to them. I don't know what makes a person come to that conclusion, besides the desperation they feel in their circumstances. I only wish they would reach out to anyone and everyone, instead of setting on the course of ending lives.

I know this is a hard time. I know that so many people are losing everything. But that's just it--they're things. They give us comfort, shelter, entertainment, transportation, convenience...But they aren't even close to being the most important part of life. We're here for a reason. We're here to learn, to love, to grow and to be strengthened. The only way we can do that is by facing adversity.

Some people may feel alone in this. Some might believe they have no one to turn to. I want those people to know that they are not alone. Even a person who believes they have no one, has someone. For those of you who believe in God, remember that He will take care of you. You just have to remember that it's His plan we need to trust in, not our own.

For those of you who don't believe, I wish you did, as it would fill you with a comfort like no other. I don't know how my family would have come as far as we have without His help in our own lives.

There are many people out there (some you may have met, and some you may not have yet) who care what happens to you. They want your happiness and your well-being. They believe you can succeed even after what seems like a succession of failures. Don't give up.

I have a saying on my wall: "There is always something to be thankful for..." Even in these hard times, I believe that. One of the biggest blessings in my life is the gift of my children. I take on the responsibility for them gladly. They are looking to their father and me for guidance. They are watching closely and learning how to overcome the trials they'll face in their own lives. I will not teach them to give up.

Anyway, I'll leave you for now with that. I pray that you will find the strength to get through hard times--and then perhaps help others to do the same.

Family Night

2009-04-20T12:19:00.005-06:00

In our house, on Monday we do what we call "Family Home Evening" or in other words, Family Night. This is a great opportunity to spend time together as a family, talk, play games, roast marshmallows outside on the fire, or even just watch a movie. We also eat dinner together.

Experts say that this is the best way to raise happy, healthy and well-adjusted kids. They also say your kids are less likely to give in to peer pressure if they're getting quality time with you. I'm all for that!

To make things easy for you if you're wanting to watch a video together, I'm giving you the link for today's free Redbox code. If you're new to this, the way it works is you go to that site, become a free member and get access to the free promo codes. Also, once you're ready to redeem your code, make sure to push the button that says "rent with a promo code" then choose your DVD.

The first time I did it, I hit "rent DVD" and so I ended up paying for it, even though I had a promo code. To fix it, I just came home with two DVDs instead of one. Haha! Only the first day is free with the promo, then you have to return the movie by 9:00pm the next day. If you don't, you'll be charged $1 per day. Not too shabby!

We won't be taking advantage of the free code today though. To our children's chagrin, it's TV turn off week at school. No TV, video games or computer (unless it's for homework) until next Monday. We do this every year. It makes us get more creative and active together as a family.

If the kids go the whole week, they get rewarded by the school with a free meal at Hungry Bear Pizza (a pizza buffet place by where we live--the kids love it).

Anyway, unless you're feeling ambitious and doing TV turnoff in your house, go for that free DVD rental. We're doing Navajo tacos and eating outside on the patio. We'll probably play a game with the kids, too. I think it's about time they learned Yahtzee! Have fun!

iCarly Season 1 Volume 2 DVD Giveaway!

2009-04-19T21:03:00.007-06:00

I'm co-hosting my first giveaway with my friend, hamsterkitten, from Mom on the Random--visit her site for a full review and details on the prize.

One lucky winner will be chosen using random.org from either site. You can get additional entries by entering on both sites! This giveaway is open to US and Canada residents only and ends April 30. Good luck to everyone!

To enter:

1) Tell me what your favorite Nickelodeon show is from past or present.

2) Digg this, tweet this or post a link on your website. Then comment here to let me know you did.

3) Subscribe. If you've already subscribed, then follow my blog with Blogger or on Facebook. Make sure to let me know here by commenting.

4) Visit Mom on the Random for additional entries!

Back to Writing

2009-04-17T10:55:00.008-06:00

I've been thinking a lot about writing lately. I do consider what I do here as writing. After all, it's article writing in a sense. But truly, my first love has always been fiction. I've been blessed with an overactive imagination. My kids have always loved it when I come up with little "what would happen if..." stories for them, but that's not really the area I most excel in--though it is a lot of fun to make up a story that puts the wicked witch of Snow White as the good guy. Haha

I've had a story in my mind for several years now. I've outlined just about the whole thing in notebooks and know what I want to do with it in my mind. I also have a very rough draft of the first 80+ pages. The problem? I'm not such a good mommy when I'm in writing mode. I'm inattentive, impatient and totally absorbed in what I'm doing in front of me (lost in the world of my creation, is a good way to put it).

I thought about, and tried to put the story on hold while raising my munchkins, but it just won't stop running through my head. It's still there, no matter how many articles I write, different subjects I research, or boo-boos I kiss.

So, what to do? I got inspiration from reading an author's (whom I'm a huge fan of) website. She's written several books all while being a mommy to three (one less than me, but who's counting? LOL). She's become hugely successful and it all started with a dream (as coincidentally did my idea). If you haven't guessed who I'm talking about, it's Stephenie Meyer.

I actually haven't visited her site before yesterday, despite discovering and devouring her twilight series last year. When I did visit it yesterday for the first time, I found the story behind her popular series very inspiring.

I went to bed last night thinking about how I too, could try to make a go of my dream. Writing has always been a passion for me, and it's an incredible release. But the fact is, my family will always come first. I don't want to be a half-decent parent. I want to be the best mother. I'd started to assume that meant I couldn't do my book. But I think I was wrong. I think I just need to do what I've been fighting against, and create a workable schedule (I hate schedules--haha). I already know I have my hubby's support, and that helps.

This definitely isn't a get rich quick scheme, though if I'm lucky, and do it right, there is the possibility of making money at it. I think I'm going to go revisit those pages of my dusty novel--perhaps while the kiddies are still abed dreaming. I usually take that time to sleep too, but I know I could get by with a bit less sleep, and feel even more fulfilled than I already do (since I get a lot from being a mom).

If you're a writer looking to improve your writing skills or get your work published, there are some great places to start out there:

Writer's Digest is a great way to get started with access to books, magazines, competitions and more.

Zoetrope is a great place to network with other writers and share work. Though it is not one-sided and you require work on your side. The site is entirely free.

WritersNet also has it's value for the writer, publisher and literary agents out there with its resources and discussion forums. Another free site!

WritersMarket is a great resource if you're wanting to know where to submit your work. You can even try it online risk free for seven days. If you buy the book, I believe they give you a promo code to access their internet resources for less.

You shouldn't have to spend a lot of money, or even any at all to make this happen though. Your local library and the internet are great places to look for information when your wallet is empty. If you do have some money to spend and want to comparison shop to get more for your money. Amazon and Ebay are good places to look.

So that's what's been on my mind today. I'm glad to have shared it with you:) Keep dreaming and make it a reality!