Monday, August 31, 2009
The advantage of staying in the house is to save what money I can since I am not paying the mortgage. That money will be used either as the first payment after the modification is complete or to do whatever I need to do should I walk away from the house. That made me feel a lot better.
Apparently, if I receive a foreclosure notice from the bank, I will still have 90 days to move. However, the modification will also work in my favor. As long as the modification is in process, the bank will not sell the house. I potentially will have 9 to 12 months to live here mortgage free.
Should I accept the modification settlement, all late payments and fees will be added to the principle. I will make payments according to the new arrangements i.e. a decreased interest rate with lowered payments. At that point, I will need the saved money as a down payment or first payment of the new arrangements.
Now, another key piece of this huge puzzle is that of getting kids in the daycare. I am already doing my best. I am also in the process of looking for other employment. We will just have to see how things go from here. In the meantime, I have decided to stay put and utilize my time as efficiently as I can.
I do feel much better. Kind of back where I was before I panicked...lol!
Friday, August 28, 2009
Wednesday, August 26, 2009
Sometimes, when you are alone, you begin to doubt yourself and your abilities. You begin to loose sight of your direction and your goals. This can become very draining emotionally, causing depression and discouragement.
Monday, August 24, 2009
Friday night, I didn't get home til 12:30am. I had to drive an hour or so to San Diego to take my sons to their dad's for the weekend. Before going to his house, I stopped at the Date Street to see how the repairs went. Yes, it was beautiful! The contractor did a wonderful job. I still want to get the grass replanted in the backyard. There are a few items I need to get rid of that the old tenants left.
Afterwards, I headed to dad's house which went well.
I did not head back until about 10:10pm. However, I ran into a bit of a small problem with the van. My son had been telling me that the steering wheel has been 'whinning'. I did not hear it until we got off our exit in San Diego. Immediately, I realized the van was low on power steering fluid. When I went to get gas, we looked in the engine to see where it would possibly go with no success. So, I figured it would be ok til the next day.
As I get back on the freeway, it began to concern me as I began to smell something burning. Usually one broken thing will lead to another when it comes to a vehicle. Oh, and I did have one late night day care child with me. I did maintain contact with his mom. She trusts me a lot. Well, I decided to pull over and call my friend Robert. He was even more concerned than I was! He didn't want to take any chances. So, he met me at a gas station.
Surely, it was the power steering fluid. It was bone dry! He put the fluid in, I gave him a huge hug, called the J's parent to let her know all was well, and off we went home. Robert called several times to make sure all was well. The van immediately stopped whinning once the fluid was in there. After taking J. home, I finally walked into my house at 12:35am.
Saturday, I got an early text on my cell phone. I had forgotten about the bible conference in Long Beach!... Ugh! I was so looking forward to sleeping in! I got up, took my supplements and had some coffee. Once I was up and going, I felt pretty good. A. picked me up. We had a nice drive and the conversation was good. As I sat in the back seat of the car, I could literally feel my body relaxing, almost tingling.
The conference went very nicely. We had packed our lunches and were able to sit on the lawn to eat. The weather was great, not too hot and not too cold. I rode back with my other friend L. We decided to do movie night when we got back home. She dropped me off at my house to change into my pj's. We were all so tired that we fell asleep on the movie!...LOL! Yes, I got home late again, almost 1:00am.
Sunday morning, I kept little J. I keep her every sunday from 6am to 2pm. Usually she comes in and goes back to sleep, but not this sunday. She slept very briefly. It was still an easy day.
At 11:00am, I decided to have the motorhome towed to my mechanic. I had been procrastinating on this for a long time. I thought sunday would be good because all was quiet and calm. Well....AAA towing service got my order all screwed up. We discussed in detail all the dimensions of the motorhome and what type of truck, a flat bed, would be needed. They sent a hook up truck!! After talking with the tech for awhile, he was so nice, I called again and filed a complaint. They decided to do a search for the proper truck. After not hearing from them for an hour, I called back. They apologized because apparently my request had been dropped. At 4:30pm we finally got the towed accomplished! I did file a complaint and plan to follow up with it today.
So, you see, it was a busy but successful weekend. Never enough time!...lol. Hopefully, the motorhome won't cost much in repairs and my mechanic will work with me for payments. The reason I took it to him is because I am not getting out of the house enough. I feel it is getting to the point of driving me batty. The motorhome serves that purpose. Low cost and take everything with me.That was my reason for purchasing it in the first place and that is what I did with it back in the day. I would really like to start doing that again.
Well, I had better get to the kids. My grandson should be waking up very soon. Have a nice day :)~~~~~
Friday, August 21, 2009
Thursday, August 20, 2009
I never thought of myself as a lazy person. I will admit, I do lack motivation these days. Perhaps this means that I am lazy. She made reference to how I dress. I wear sweats and old t-shirts every day. Yes, I look quite unattractive, but I work with children all day.
A few months ago, she actually took me to the store and bought me a few pairs of pants and several shirts to interchange with the pants. She even bought me a nice pair of tennis shoes. I felt bad when she reminded me. Maybe she's right. It takes effort to look nice 'everyday'.
It just got me to thinking about 'why' I don't take the time to invest in my appearance. I'm not sure whether I lack the confidence or the necessary means to make myself attractive. These days, money is a factor to everything. I feel exhausted much of the time. Often times, I am in pain. I'm constantly working on finances, from home modifications to groceries, not to mention everything inbetween. I deal with a multitude of kids on a 'daily basis'. It takes too much brain work to consider my appearance when I spend 90% of my life in my home.
I think my daughter feels that I am unhappy. Sometimes, I am. Buying the clothes is her way of trying to give Mom a taste of happiness. Her way of making Mom feel better. I do not want her carrying that burden. It is not her job to take care of me...not until I'm in a convalescent home :). I love her for caring about her mother...sniff*
I've always had an underlying current of depression since I was about 16 years old. I have come to accept it. I work around it in my daily life by keeping my world simple and uncluttered. Sometimes, I do good just to make it through the day.
Wednesday, August 19, 2009
Monday, August 17, 2009
Thursday, August 13, 2009
I made a few phone calls to the office and we are going to work things out via fax. The rep at the office was awesome...:) Apparently, this inspector tends to change personalities from time to time. They said he tends to be "like that" sometimes. I remained professional and calm. Getting upset would only make everyone involved angry. They told me to have the tenant sign the form once the electricity is turned on. Then fax it to me. I will sign it and fax it to the office.
The rep was such a sweetheart. She said she will get the paperwork through the process as fast as she can. Patience is certainly a virtue! If you don't possess it, experience will certainly teach you!
Wednesday, August 12, 2009
Here is the one of him walking down the hallway from the daycare room...lol! Sorry it's not too clear.
I videoed from my cell phone, then emailed it to myself and downloaded it to the blog. It was fun playing around with it. Never did that before. Feeling pretty proud of myself....:)
Tuesday, August 11, 2009
It started out with the rental unit in San Diego. This last tenant, who has been in the process of moving out for the past week, was so filthy. This house has been in my family for four generations. It has been rented out on many occasions. My children and I lived in it for 17 years. The house has never had roaches!
The roaches were so bad in this house until they were crawling in the tenant's bed and in the refrigerator!...yes, alive in the refrigerator! Once she emptied her belongings from the house, it was then that I saw the true magnitude of the problem. Two weeks ago, upon assessing the house for the prep for a new tenant (yes, I evicted this tenant), every kitchen cabinet has massive amounts of roaches..each cabinet. I had my contractor put 12 foggers throughout the house. I took pictures just in case I should have to go to court.
My regular contractor is out of town until the 14th. So, I am using another contractor. The more he inspects the house, the more things he finds broken i.e. both toilet seat screws are missing, the garbage disposal is broken, someone kicked in the bedroom door leaving the door mildly cracked around the door knob, we won't talk about the backyard!
Well, I finally gave in to an exterminator. He said the foggers won't even touch the eggs and they won't kill the roaches unless they have direction contact with the poison.
If all goes well, this should all be over by 5pm tomorrow!
Friday, August 7, 2009
Thursday, August 6, 2009
Those over-the-counter pills have never worked for me. Unfortunately, what does work is that of two heating pads, one on the front and one on my back, and laying down. After a day and a half of that, I'm usually good to go. Moltrin or Extra Strength Tylenol helps with the pain but not enough.
1. I enjoy counseling with people to help them see a different perspective.
2. I totally love my family even though they drive me crazy sometimes
3. I am disappointed in myself because I am afraid to start new projects for fear of not completing them
4. I really do enjoy crafts. I was very crafty in my earlier life i.e. drawing, crotcheting, gardening, etc.
5. Children are awesome little humans that need a lot of direction with tender love and care...and a smigdeon of discipline :)
6. Pets are awesome too because they are so loyal and can make us feel good
7. I want to thank KT for sending me my first blogger's award!
Here's my first time....
1. I look forward to Linda and Her Twaddle blog because of her light hearted honesty about the family and her world.
2. KT's Sassy Blog is filled with energy and exploration that should we should never let end in our lives.
3. I can really, really relate to Fat, Frumpy and Fifty. I go through many of the same phases in my life. Learning to embrace them.
4. I find A Working Mother's Chatter to be so calm and sweet as she adores being a mother to her toddler son with a new little one on the way.
5. I admire Elvie Studio for all her creativity and enthusiasm for life
Wednesday, August 5, 2009
Almost a year ago, his dad and I agreed to send him to live with his dad. I have done the primary raising of the kids. Dad has a tendency to have very high expectations. However, what he is trying to implement is good but it would be better if dad would "teach" our son rather than bark at him.
My son once said, "Mom, I'm too old to be a kid and too young to be grown man. It's like I'm in the middle." I explained to him, "This is the time where you let your parents 'teach' you various elements of life as they occur." i.e. paying bills, car repairs, buy groceries, etc. Most of the time, I feel, young adults need to go through new experiences step by step with guidance from their parents. To just "tell" them what to do and expect them to do it, can be confusing and overwhelming.
At this point, I think this is my son's delima with his dad. So, what my son does is calls me and I give him directions on what his dad is telling him to do. Then I call dad and get more details. Eventually, it all works out. I usually end up getting everyone on the same page.
So, ladies, divorced or married, it seems our job is to make sense of confusion in the family. If you are divorced and have children, you are still connected to that mate through those children. It is very important to be able to communicate and interact at a minimum basis for the sake of the kids. I feel my ex and I have achieved this very well.
No offense to the husbands, but the wives tend to be the "brains" behind the family....lol!