Wednesday, September 29, 2010

Sorry To Say....

The bank has been giving me quite a bit of grief with the house for the past few months. Though my agent is really good about staying on top of things, apparently, the bank closed my file, denying me the mod on June 14th, 2010, claiming that they informed me of such. Obvsiously, they did not. Yes, this meant they applied a sale date of September 30th, 2010 to the house! I was furious!

Of course, it would have done me no good to throw my anger at them, so I got my business attitude on and started making phone calls. The frustration is, you get a different person each time you call and I swear they all see different things on the account that the other one did not see! You have to be pretty aggressive and know your business when dealing with these people!

After going round and round with many different bank reps, one finally told me that the mod was closed illegally. It was illegal because there was no one assigned to the file and it was closed without reason or documentation! I was totally shocked! This person was nice enough to tell me how to get it back going again. Apparently, they had absolutely no record of my being in the process of a modification while I am making payments under such a modification! They literally told me I was not in the system!

So, I contacted my agent and we got on immediately. That weekend, I began re-gathering all the documents so that monday, I would be able to run to the office and get with my agent who was on standby. Yes, I loaded up all the daycare kids and rushed down to the office on monday morning. We got it in! By 4:40pm, the following friday, I received a phone call from my agent that the modification was back official....:-D.

We did find out that they are taking so long, supposedly, because my income is not enough. During the summer, day care providers loose kids because parents offend have older siblings to look after the younger ones, so they take the younger ones out of day care. So, I did gain 3 more kids and sent that documentation along with the rest of the paperwork.

At this point, I am looking to gain an "extra" child in the day care, just for a little more financial stability. I don't think it will be a problem because I rarely have "all" 8 kids at the same time. Even if I take one more part time child, that would help a lot. Once this is all over with, I think I will feel soooo much better! It's been a year and 4 months that I've been trying to get this mod done! I have a few friend going through the same thing about the same time frame. We did them pretty much at the same time, give or take a few weeks.

I must hold on to my faith that it will turn out ok. God is soooo good!

Positive thoughts and prayers!......:-D

Monday, September 13, 2010

Interesting and Appreciative

I think it is so awesome how meeting new friends through blogging has made such a difference in my life. So many of you have inspired me to take a different view at various situations in my life.

Since I've been blogging, I've learned so much from others. Too often, we feel lost and alone in this world, which is why I beg blogging in the first place. So many of us have the same situations and have good ideas for each other. Sometimes we don't even realize

I suppose one might say that blogging is quite therapeutic.

Positive thoughts and prayers!...:-D

Friday, September 10, 2010

Been A Long Time

Good morning everyone!

Yes, it has been a long time since I've blogged. I've been really working on changing my disposition regarding the fibromyaslia. Since I've been taking the supplements, the physical aspects i.e. pain, muscle spasms, headaches, etc. have improved greatly. However, the fatigue is just a constant issue.

What I've been attempting to do is to change the way I think, if that makes sense. I had a tendency to allow my emotions to surface i.e. frustration, depression, irritability, etc. I constantly felt awful...really awful. So, I changed my thoughts to mapping out my day, being careful to monitor my physical energy. Once I have reached a point, prior to being "totally" exhausted, I engaged in fewer to no more activities for the day.

A person with fibro simply does not have their normal energy they once had prior to having the disorder. If we don't take the time to put things into perspective, we continue to push ourselves through our daily routine. We are tired from the moment we go to bed at night to the moment of getting up in the morning...we start our day "tired"! It's an absolutely horrible feeling!

Keeping things in perspective has really, really helped a lot. I've began lessons and projects with the daycare kids which has been truly rewarding. When necessary, I have the kids watch a movie so that I can regroup as well. My grandson is 23 months old now and quite a handful. I must compensate for him as well. When I feel I've had enough of him, I put him in his playpen for him to calm down a bit and to give me a breather. My youngest son and I have been going to discount movies at the theater on tuesday nights which has been really nice. It helps to simply get out of the house. I'm still working on getting to bed by 10pm. The late night kids make this a tad difficult, but I make the best of it :-).

An update on my son who moved out a month ago, he is doing very, very well. He still comes by the house to see Mom. I keep his old bedroom door closed for the most part...actually, it has become the dog's! The queen size bed, desk and shelf are still there. I'm pretty use to it now. He keeps in touch. It was that initial "break" that really got me. I'm doing good now.

I'm still fighting for my modification on my house! Yes, crazy! It's been over a year! In June, Chase Mortgage tried to sell my house without telling me. They claimed to have sent a letter, which they did not. Every time I call, I get someone different who tells me something different. Finally, a woman told me, it was closed illegally and that I needed to send the paper work again. So, we did that and are waiting "again". Please send prayers friends!

A fellow daycare provider and I have built a really nice support system with each other as well. We meet at the park and we meet at one house to help each other out. This has been truly a blessing! Being a daycare provider can be very, very lonely. She has been an awesome support.

Overall, things are going well. I feel a lot better. Thanks to all of you who have sent positive thoughts and prayers my way! Very much appreciated!

Positive thought and prayers :-)