In this Episode: Life is the major suck but really what is new?
*we applied for a loan mod on our first mortgage when (if) it goes through should drop our monthly payments by $400ish dollars. Which is almost enough to pay for daycare. Of course we'll still be in the hole every month, but we'll be using less savings. Course as it takes 30-90 days for the mod paperwork to get all taken care of, we're still looking at 3 months of the same payments - we could fall behind in 3 months and then we wouldn't qualify - how fricken lame is that?
*On that note, of the 13 criteria they evaluate the ability to be modified instead of refinanced - we had 12. I believe we don't need all 13 - the one we didn't meet? Our credit scores are too fricken high. James' is in the 740s and mine is in 787. So because we didn't go out and spend more money then we had and paid our bills on time, it may come back to bite us in the ass, again.
*Thanx to the new credit regulations, even though we have excellent credit, never been late or missed a payment 5 of our credit cards are jacking up the interest to ungodly amounts. Granted we only have the one chase card with any sort of balance and that was the purchase last year of the roof on the fixed 3.99% apr (which they can not mess with thankfully!) We got a loan from James' dad to pay off the AMEX because that one did have about $2900 on it and they were going to jack the rates up to 17%+. So yeah, our cards will definitely be only for ERs - which is really nothing new but pisses me off. WE have to pay for other people's f-ups. I'm just so sick of it.
*Xandman crawls -fast but not in a coordinated locomotion way. He does one set of "crawl" and push/scoot. He can cross a floor in about a minute or so when properly motivated. Two teeth are all the way in. He is standing up (though wobbly and not for long) by himself. He is really smart and laughs and giggles and makes almost all the money worries disappear.
*I keep asking the universe to help us out with the money problem. I'm not asking for the lottery (though I would LOVE it), or some rich relative to die or anything greedy like that. I'm just asking it for get us enough to get us by. I don't want to lose our house.
*James is still part time on call and his ability to collect unemployment when he isn't actively working is soon over. He is also sick and not working today and tomorrow.
*I'll be out again tomorrow after work looking for part-time employment for weekends/nights. I'm so tired I don't know how I'll manage but we can't afford for me not to. This pisses me off to no end. I'm whiny, I know but damn it, I've worked since I was 13 doing all the right things, and taking care of myself and my finances. Now in a matter of one year I've gone from happy pregnant wife to stressed-out worry wort of a mother who has no energy to take care of her home or social life.
*The only positive is I have him, my babyman, my furkids and everyone is healthy (mostly), we have a roof over our heads (for now), we can all eat well, and our house is filled with love. I guess that should be enough to keep my happy, but with the worry it just isn't.
That was As the World Collapses brought to you by the Rabid One.
*we applied for a loan mod on our first mortgage when (if) it goes through should drop our monthly payments by $400ish dollars. Which is almost enough to pay for daycare. Of course we'll still be in the hole every month, but we'll be using less savings. Course as it takes 30-90 days for the mod paperwork to get all taken care of, we're still looking at 3 months of the same payments - we could fall behind in 3 months and then we wouldn't qualify - how fricken lame is that?
*On that note, of the 13 criteria they evaluate the ability to be modified instead of refinanced - we had 12. I believe we don't need all 13 - the one we didn't meet? Our credit scores are too fricken high. James' is in the 740s and mine is in 787. So because we didn't go out and spend more money then we had and paid our bills on time, it may come back to bite us in the ass, again.
*Thanx to the new credit regulations, even though we have excellent credit, never been late or missed a payment 5 of our credit cards are jacking up the interest to ungodly amounts. Granted we only have the one chase card with any sort of balance and that was the purchase last year of the roof on the fixed 3.99% apr (which they can not mess with thankfully!) We got a loan from James' dad to pay off the AMEX because that one did have about $2900 on it and they were going to jack the rates up to 17%+. So yeah, our cards will definitely be only for ERs - which is really nothing new but pisses me off. WE have to pay for other people's f-ups. I'm just so sick of it.
*Xandman crawls -fast but not in a coordinated locomotion way. He does one set of "crawl" and push/scoot. He can cross a floor in about a minute or so when properly motivated. Two teeth are all the way in. He is standing up (though wobbly and not for long) by himself. He is really smart and laughs and giggles and makes almost all the money worries disappear.
*I keep asking the universe to help us out with the money problem. I'm not asking for the lottery (though I would LOVE it), or some rich relative to die or anything greedy like that. I'm just asking it for get us enough to get us by. I don't want to lose our house.
*James is still part time on call and his ability to collect unemployment when he isn't actively working is soon over. He is also sick and not working today and tomorrow.
*I'll be out again tomorrow after work looking for part-time employment for weekends/nights. I'm so tired I don't know how I'll manage but we can't afford for me not to. This pisses me off to no end. I'm whiny, I know but damn it, I've worked since I was 13 doing all the right things, and taking care of myself and my finances. Now in a matter of one year I've gone from happy pregnant wife to stressed-out worry wort of a mother who has no energy to take care of her home or social life.
*The only positive is I have him, my babyman, my furkids and everyone is healthy (mostly), we have a roof over our heads (for now), we can all eat well, and our house is filled with love. I guess that should be enough to keep my happy, but with the worry it just isn't.
That was As the World Collapses brought to you by the Rabid One.
- Mood:
Hopeless
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rabid_pickle- blah girl
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"Sorry, but you havn't got a massive credit history, everything we have seems to indicate that you pay all your bills regularly and on-time. Making the most efficient use of your money... Well I say efficient... You see you are not making your creditors much money like this, they want you in hoc to them for the rest of your fucking life and unless you play ball you had better work out how the hell you are going to afford to pay off that house price in one hit, eh?"
Oh Yes. I remember it well.