Tag: update

A Rambling, Random Update

There’s the woman at the bus stop who accused one of us moms of calling child services on her. She promised if her kids were taken she would take us all down with her. Dun Dun DUNNNNN! (She cold-clocked her kid upside her head in front of the mandatory reporter school bus driver and four neighbors … I don’t know why she thinks one of us moms called but she seems pretty sure.)

There’s the cyst I had that turned out to be a raging staph infection requiring serious antibiotics that made me feel worse than the stupid abscess did. No, I didn’t record it. Yes, it was glorious if you’re into that kind of grossness. The doctor who had to clean it out with an assistant was horrified. My friend who took me to the ER was in heaven. Everyone digs different stuff. I don’t judge. Mr. Brickie had to stuff this sterile string in the hole every other day for a week. He was a trooper.

There’s the weird tantrum a friend had before storming out of my house to go stay in her bosses guest room. So if you need to live with someone for a week, I recommend not my house. It seems to be an inhospitable environment where I will make you feel bad. Consider yourself warned.

There’s the homecoming parade that was really blissful and my kids were part of this huge group of – I don’t even know – 13 other kids? A super cute moment in time I enjoyed a lot. Mr. Brickie wasn’t even home from work so I went with my kids, the kid of my friend who hadn’t stormed out yet, and the neighbors and their children. Everyone got candy and was happy. I managed to not have a full-scale social anxiety meltdown. Hooray!

There’s the bonfire we had at our friend’s house a block over where they rent a place on the lake. It’s really amazing to be a block away from a backyard with a fire pit and a view of the sunset over water. It was pretty much perfect.

There’s today’s apple picking and donut buying with family. Lots of fun. .

Things are really, really interesting around here these days.

The budget is not only doing great, I went over my bus stop mom’s budgets and they’re following the budget now, too. It’s given both of them a real sense of relief because they know how much “extra” they have and when things are due. I literally just set them up with four weeks in excel and tried to place bills in such a way that they’d have the same amount left over every week.

It was a deep relief to be able to share this with people who wanted to know about it, took it to heart, and followed directions. The men in my mom friend’s lives are also happy about the budgets. It’s removed money pressure off both relationships (not entirely, but a good chunk!) and that’s what budgeting is all about. More freedom.

Mr. Brickie didn’t work this past week because they’re waiting on permits downtown to put up one of those things they put over the sidewalk so if a brick falls it won’t hit someone on the head and kill them. There is a special company that puts those up so they have to wait on that company to do their thing. In the meantime he has been splitting his time between two other side jobs.

We got a payment from one side job that is designated as “Next Week’s Paycheck” and won’t be touched until Friday. We did a much better job this week of not spending ALL THE MONIES over the weekend and did a pretty good job!

I don’t like knowing where my husband is going to be working tomorrow. Or when he’s getting paid next. His driveway side job he’s been working on for a year now on and off pays at the end of the week. The new side job is painting a house before it gets sold and even though Mr. Brickie has an idea of how much the overall job will pay but there are some things he may or may not be working on that could change that number. So he’s not sure how or when they’re paying him. I know it sounds like a stupid plan to not know those things but these are really, really trustworthy people so I’m not worried about it at all.

Sometimes it’s okay to not know everything all at once. It’s a lesson I would not have been able to learn if our finances weren’t in order.

I’m excited to find out what other lessons I’ll learn now that I’m not terrified about finances all the time every day.

But hey, I still have sixty-five thousand dollars in student loan payments to worry about once I get our car and credit cards paid off. I’m still not sure what the right way to go about paying those is. I might wait to pay them off until he makes journeyman. In the meantime we can build a 3-6 month emergency fund.

Student loans can’t take our home or our cars, but not having a solid emergency fund can put us in a world of hurt really fast, you know? So I’m thinking I’ll stick to the income based repayment minimum payments on those until we fund the emergency fund and then attack them with a vengeance once we have that fund set up.

Also? We really need a second car. Getting the kids home from stuff happening at the school is no big deal, we can walk the five blocks or whatever to pick them up even in winter, but when sports happen farther away? I’m not so sure. It also totally messes up that grand plan I had for getting a doctor and a dentist and getting myself some regular checkups. I can’t go see a doctor or dentist until winter puts him out of work. So if I’m going to see a doctor I have to hope my husband is laid off due to weather. That seems silly, doesn’t it?

Maybe I could rent a car. Do people rent cars so they can go to doctor appointments? I wonder if that would be more or less expensive than a cab, but cabs can be really unreliable and if the cab shows up late I’m stuck with a no-show fee from the doctor.

I’m getting nervous just thinking about it.

So the big goal is to pay off the car and the credit cards then somehow figure out if we make the emergency fund next or get a car then an emergency fund.

Hopefully nothing happens in the interim because the emergency fund is at $150 right now. The rent fund is fully funded and the car insurance is on track to be funded by renewal, but that actual emergency fund? It’s struggling. I would like to fix that.

Don’t even get me started on Christmas.

Overall, I’m in a really good place and surrounded by really good people. I don’t know if the issue with my friend who was staying here will right itself but I’m going to give that one to the universe for now.

Tomorrow morning I’ll get up before the kids, have a cup of coffee, and meet my mom posse at the bus stop.

It’s going to be a good week.

If this were a parenting blog I would be gushing about my daughter’s fifth grade teacher and the wonderful human being she is. It’s a personal finance blog so I don’t write about that kind of thing but I can’t really communicate strongly enough how good it feels to have a teacher that genuinely likes your child. I want to buy her a pony and fulfill all her childhood dreams.

June 2015 Budget Update (Almost out of the woods)

We’ve been lurching and spasming toward a longer-term gig since the season began mid-April. It began on Monday! (insert happy dance)

The foreman says there are seven jobs lined up for summer and a bid is in for a two-year job. That means overtime is going to kick in any minute now and if the long-term job bid goes through we won’t have to worry about the rest of Mr. Brickie’s apprenticeship because two years of steady work will sail him right through to Journeyman.

We’ve come so far.

I got word officially from the SNAP folks that our benefits won’t be renewed, but you know how surprised I was when we got them in June so the extra month really helped us transition from being in that dark, poor winter place into the light of summer and work and paying down debt.

I’m completely terrified to share what my credit card balances are but I’m nothing if I’m not honest and you can just gasp in horror with me. (I just keep muttering to myself “shame can’t live in the light” and hoping for the best) Also, we all know when I have an extra dollar it goes to the cards, so there’s really no reason to think this is how things are going to stay.

We have the following (I’m SO not proud of this, yikes.):

Visa Card: $4,549.22
CapOne Card: $1,157.24
Amazon.com: $337.73
Total CC Debt: $6,044.19 (eek!)

Currently owed on the car: $5,073.04. I thought it would be fun to share I owe more on credit cards than I do on my car, which feels SO wrong. It’s amazing to know that by the end of July that car debt will be under $5k! (We also still have tens of thousands in student loans but I’m not even cracking open that chapter of the debt repayment book until we get rid of this junk. Rest assured, however, we WILL get there. Soon!)

Yikes, right? I was paying the $151 to pay the bills but DUH I made a mistake! I didn’t add interest charges on that $151. So embarrassing! I couldn’t figure out why the total kept going up. So, yeah, even those of us who love math and numbers make mistakes. Durrrrrrr.

In the past, I’ve absolutely made those mistakes, but my budget muscles are big and strong and very “wanna come to the gun show?” in their awesomeness so I don’t mind showing you yet another 98 pound weakling finance picture because you know we’re going to get all pumped up this summer!

I should look back and see how much progress I made last year when Mr. Brickie finally started working full-bore. I’m not sure that will even help because he makes around five dollars an hour more than he did last year which will make a huge difference and then it will make an even bigger huger (that’s totally a word) monster difference when/if he starts clocking overtime.

A regular 40 hour paycheck (which we may or may not ever see. He only worked six hours on Monday because of those storms) would be $785. Which will be about $3,100 monthly. Our regular monthly expenses are about $2280 (that’s with $250/wk living expenses for tolls, gas, and groceries) and I SHOULD be able to eke out $800 a month toward that debt extra above regular payments.

But hey, if you’ve been reading for a minute you know that’s not how it’s going to work out. He will either get overtime and that will be more money toward the cards or he will get laid off for a couple weeks and we will scrape by with unemployment and side jobs or there will be rain and he will work 30 hours or something or another.

I guess it doesn’t matter if it’s easy if it’s worth working for, though, does it?

Sometimes I get really jealous of people who just make the same amount every week and know what each paycheck will look like every time. Not hateful-jealous just… wistful-jealous. The comfort of sameness.

Money Question!

I have a bill from my oldest daughter’s EEG (it was to rule something out and it was ruled out so yea!) After the reduced rate and the insurance payment we owe $323.59 … with the low work situation this month we do have it – but barely – in the emergency fund.

When I called to set up a 3-payment plan the lady informed me that this month they’re running a special and if I pay it in full in June, I’ll get 10% off (which would make the bill $291.23) and I’ve been mulling it over ever since. $32 is a really good level of savings off of the bill. We don’t have enough in our HRA account so we wouldn’t get the whole thing reimbursed but the amount in the HRA keeps going up while he works so I would get the money back eventually….

What do you think? Pay the three payments and leave myself some breathing room? Or pay the whole thing and get a discount? I’m leaning toward the discount. Even with the emergency fund a little low it’s still better to pay less, right?

Tire Talk

Oh! Totally non-sponsored shout out to Discount Tire Warranties! We put four really great quality tires on the car two years ago. Got the warranty. One had a huge hole in it on Thursday and the new tire (current model discontinued so the replacement for that … same brand a little better quality) was 100% covered (except some weird $13 charge to update the warranty) so that was wonderful. Get the warranty from them. It’s worth it.

An Apology

I didn’t keep good records in June. Training week he only made $250. Painting side-job week he made $400. That week he worked a partial week he made $458 and tomorrow we will get an unemployment payment of $360.

It’s been a rough month but I haven’t tracked anything really because it was just too sad to even think about. $1468 is our grand-total take home for June and it was literally barely enough to cover all the bills. It’s why the emergency fund is down and the credit card is up. I’m not proud of not doing more, I wrote checks for volleyball camp and basketball camp and camp invention and paid for Big Sister’s sleepaway camp. I spent when I should have saved, but I think it was a gamble that will pay off in the long run.

I mean, I have to think it was the right decision or I’ll just lay awake at night feeling like an idiot. At least this way I feel like an idiot and a good mom. All together, summer activities for the kids (not including softball) cost $300. Really I don’t think that’s bad for an all day camp, two kids in volleyball, all three in basketball, and a week of sleepaway camp. So I made bad budget choices on the cheap, anyway.

Social Media Break

I took a break from all the social media so there would be less of everything and I could spend the summer focusing on my family. I still like you my darling readers who I would have in my home for lunch or dinner or coffee or tea. I don’t have any apps on my phone and am logged off of all services on my computer. If you want to reach out and say “hey” just shoot me an email. It’s the name of the blog at gmail.com and I’ll respond. Or comment and I’ll respond. I just want you to know I haven’t ditched you even though you don’t see me bleating like a forever-dying goat on Facebook.

It’s been wonderful.

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Great News That’s Not Set In Stone Because What Is?

That union meeting on Tuesday was fantastic.

I wasn’t there and I didn’t even hear all the stories because Mr. B was so tired when he got home. I heard the most important thing – well, two things – I needed to hear.

  1. That BA was dead serious (his words) about making Mr. B a BA.
  2. There is no residency requirement.

So, excuse me while I do the cha cha slide all over my living room.

Of course, things change and we can’t know the future, but for today my fears are calmed…okay, for a few days because why not feel good as long as you can squeeze the feeling out of a hope-spike?

He’s finally someplace (besides our bedroom OH YEAH) where he’s being noticed for his talent and hustle. He’s finally not being underestimated and – even better – he’s being appreciated and everyone knows his name. He’s the up and comer.

I don’t even know how to express how it’s all making him feel.

The most important part of how it’s making him feel is probably the doing of everything. He’s become more confident in all areas and he works even harder on job sites because he wants to get to that journeyman level and see what shakes out more than anyone, including me.

Which I can’t even comprehend because I want him to get there (understatement of the year coming up!) pretty badly.

To know we won’t be forced to move into a community where rentals are $1400/mo. for a tiny condo and $2,200 for a little house? We can stay here in our awesome three bedroom with a basement for $775/mo.? That is going to be a huge help toward getting us to our financial finish line.

Oh, you guys, the next two years are going to be SO fun!

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How We Spent It State Tax Refund Edition!

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This is a super short one because I have been stupid-crazy-sick for a week with a fever and lost time and everything.

I feel better today but still really weak and my brain is kind of hurky-jerky and it wants to keep a train of thought but before I know it I’m suddenly thinking about how awesome a slushie would be for my throat and totally forget what I was talking about before. Like now. Thank goodness I wrote in the title first to keep me on track.

$865 – Tax Return
-$503 – Pay off Amazon.com store card
-$300 – Savings earmarked for brakes & exhaust work on the 1990 Toyota so he can commute in it this spring/summer for work.
-$30 – Bought a pair of boots for my daughter because she loves boots so much she wouldn’t stop wearing her snow boots so…I bought her a pair of black, not-snow-boots from Target.

So now we are down to THREE credit cards. The wal-mart card and the two regular credit cards.

It’s so nice out today I’ve started praying like a madwoman for work to start early this year. We are on fire for 2015 so far even with my bad decisions earlier and I want to keep this amazing momentum going!

Scentsy Update

I made $135 (cash, not product credit or whatever) my first month as a Scentsy rep. That means that starter kit is paid off. I currently have a basket party out and a mini tester kit I could turn into another basket party in a minute. I’m trying to figure out the best way to mail the mini testers if someone not-local wanted to host a party so they could get free and half-priced items. I’m kind of taking a break thinking about it right now because I really overwhelmed myself and then with being sick? I just can’t even think right now.

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Same Situation, Different Year, Different Situation

This place is familiar.

The place where the taxes are finished and on hold to be sent as soon as the government will accept them. The “pre-spending” list written over the course of the year and ordered most important to least important done. If there is a list, there is no giddy sense of overwhelm and no moment to savor. In order for our financial plans to work we must not forget we are poor just yet. We must keep the mentality of “cannot afford” and “we can’t right now” long enough to make our momentum last.

The place where Mr. Brickie laid off and has it on good authority the next job starts “in a couple weeks.” Last year a couple weeks turned into July. It was awful.

Even though a lot of the phrases and timing is the same this year, it’s also a lot different.

The tax return we are expecting is larger than any I’ve ever received. There will also be a portion dedicated to the emergency fund so I can stop using credit cards for emergencies. If I do not pay off the credit cards with the tax return, I’ll do that through the course of the year.

The job front is different in two respects. First, Mr. Brickie has more contacts and more understanding about how the season works. The job starting is one where the foreman really likes Mr. Brickie. Likes him so much he sent a written recommendation to the apprentice coordinator. Also, Mr. Brickie isn’t going to wait and hope like he did last year. He’s going to get out there and get work.

In the meantime, he has applied for unemployment and that gap in employment he had before he started the training program for becoming a bricklayer hit us hard in terms of unemployment payments. The first time he got $272 every two weeks. The second time he got $320 every two weeks. This time (after the waiting week) it will be close to $800 every two weeks.

I think the difference between last year and this year is really striking.

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The Pendulum Swings Both Ways

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Mr. B starts work again on Monday. [updated 11/14 to add: he did not start this monday nor the next monday it was the tuseday after he started working it was a mess.]

I get so excited when he starts on a new job site. The optimist in me blooms and I start making plans for how we are going to get ourselves closer to financial security.

The fundraiser I‘m currently running ran in Oct 2014 will help with that for sure, because the uncertainty of all the ways the next few months could unfold is beyond even my most optimistic projections.

If this blog existed to give advice, it wouldn’t be super helpful because I’m pretty sure not everyone could start a fundraiser. I mean, maybe they could, but again, this was never about advice. This is just documenting a journey so some people can feel less alone and others can feel better about themselves for not being where I am and still others maybe can learn from what I’ve done (successes and/or mistakes) but that’s certainly not what I’m setting out to do.

I’ve always felt we have our own journeys and for me to take my experiences and try to lay those on someone else to tell them what to do in their life would be akin to making random people wear my clothing. They are great for me and I love them, but they will fit few others the way I do and even if they do fit someone else that doesn’t mean it’s a style they enjoy.

….and I think that’s okay. Different styles are what make us all unique and interesting. There are a lot of people who have made far worse decisions than I have and a bunch of folks who have made better decisions. I could have made millions of other decisions than the ones I did in my life. I can’t pick apart my life and think if I had done one thing differently everything would be better because that is something we can’ t know. There are too many variables.

So, back to Mr. B. He is going to be doing restoration work. The interview was amazing and they talked for a long time about the kind of company it was and the hours and how reliable the work is. A reliable job site that you go back to regularly is the brass ring. Every job site Mr. B has been on he has given his best and he has a great reference from every place he has worked so far. At first, we thought he was going to go to training next week M-Th and then start at the new job on Friday, but he got a call from the training center this morning and they told him they were giving him an exemption from this training and he could take the next one (which happens in winter, I think) and he told Mr. B to go to the job site and let the Foreman know he could start Friday or Monday. He did and they were thrilled to bring him on earlier.

Thank goodness.

Mr. B works so hard and always does his best. I always feel like I’m the loose link in the chain because I sometimes get confused or frustrated and I don’t have the stamina he does. I needed to take a break from all things fundraising today – only three or four days in – because I was making myself physically sick thinking about it non-stop and wondering if it was a horrible idea and if I’d somehow sold my kids out. I’m very bad at being a consistent optimist.

So he starts again on Monday and we will have a regular paycheck barring adverse weather conditions until, well, we’re not sure. According to the guy on the job site they work longer into the season than most companies and start earlier in the season than most companies. It would be a dream job in terms of steady work. Steady work means he gets his promotions faster. If we are looking at the Mr. B Promotion Tracker that had a promotion date of 12/8 last time we checked it’s changed because of him being out of work those couple of weeks and is now slated for 12/26.

Not bloody likely. So he will either promote to the next apprentice level at the end of this season or the very beginning of the next season. He’s progressing slowly than I would like but hey, we all know I’m impatient! You have to have hustle to succeed as a bricklayer. Okay, maybe if you have relative it’s easier, but from what I’ve seen everyone is willing to help Mr. B because he works hard and does his part to help wherever he can. It’s comforting to know you can succeed even if you don’t have a relative or some other “in” with the Union. You can make your own way.

It just takes some round robin action going through companies while they have jobs until you find one that sticks for good.

I really hope this one sticks for good. Not worrying about his job would be a huge load off my mind.

It would let me get back to worrying about where we’re going to live.

Sometimes I wish I could just hibernate until we get to the part where I get to go on shopping days with my girls and we can hang out in the bookstore and have coffee together and they can gossip about their lives and tell me fabulous stories about school and we can all just enjoy each other’s company. Heck, maybe Mr. B can even be there with us.

That will happen someday, right?

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Mr. Brickie Goes to Chancery Court (May 2014)

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Part 1 – The Pre-Court Portion of the Blog Post

The saga of our maybe-foreclosure continues….

Yesterday, Mr. Brickie went downtown and basically dropped in on the legal aid department from Partners In Community Building (they also have a Facebook Page). Luckily, the receptionist was out and the door was answered by the amazing lady-lawyer we talked to the first time we had to file something with the court. (You can read about our first encounter with the young, smart lady lawyer on this post down to the section that says the Helper and the Lawyer.)

She told us we were on the right track and that the thing to do today was to ask for more time to file a response. I thought – all this time – we were filing an answer to the motion they filed last time. I was dead wrong. Even with Google and the plethora of law resources all over the Internet, I was wrong. Thankfully, we asked the lady lawyer and she told us we were going to ask for time to file a response. Considering the lady lawyer remembered our situation exactly when Mr. Brickie saw her again, I am holding out hope the judge recognizes Mr. Brickie as well. Considering the judge thought Mr. Brickie was a lawyer last time he was there (because he’s the only one who bothered to wear a suit and call the judge Your Honor) I think the judge will remember him and that will work in our favor, because the judge knows we are doing our best to follow the process exactly how it is supposed to go.

It helps that we have a new specialist at Citimortgage and they are starting the hardship program all over again. So we have a bunch of documents that need to get into their system by June 4th so they can process everything and decide if they are going to give us a refinance or whatever they call it when they just redo your mortgage. Of course, when they redo it they’re going to add in about $40k in lawyer expenses (the last time I checked) so we would essentially be paying a lot more for the privilege of staying in the same home. It’s a bit confusing. It would be a lot more confusing if I was emotionally invested in this house and was completely blinded to the raw numbers and how that looks.

All this would have such a different look about it if Mr. Brickie were, you know, working. The season starting late is driving us both a little batty. It’s scary and difficult to have faith no matter how much we know there is no reason to despair. It would even look better at court if he just had a few paycheck stubs to throw out there instead of a record of odd jobs and unemployment.

I’ll know later what the overall outcome was at court. His appointment is for 8:45am so he will probably get an early start and be out pretty quickly. Last time he had an 11am court time and he was out pretty quick, too. They schedule people as best they can at Chancery Court, but there are so many foreclosures happening that when we come up with our files and proper etiquette and a plan for what we are doing next, it’s just easier for the judge to give us another court date in 30 days (which, inevitably turns into 90 days because the court is so backed up). That extra three months will give us time to have an appointment with legal aid and have them look over the affidavit I’m sure is a lie from the Citimortgage side. It will give us time to find the proof that they blocked our chance for getting an FHA streamline loan before we ever missed our first payment. It will give us time to print all the emails and show the deceit and lies that were told to us over and over.

We may subpoena the Citimortgage phone records for gems like the call where the guy told me the wrong numbers and then told me he was reading someone else’s numbers and then gave me my numbers which were way more awful. Then I asked him if I could get that in writing to look it over and he promised I would get everything in writing. Of course I did not and when I asked him about it he said we got in writing what we were supposed to get and would not be getting anything else.

I’m not sure how these things help. I really don’t. The only two options I know of are:

  1. Keep the home after getting a loan modification.
  2. Leave the home and start fresh with none of this monkey on our back.

In the beginning I really wanted to just get a loan payment we could afford (we could afford the original loan amount of $975 but over the course of 10 years with a fixed rate loan we were paying $1275 a month. I could never figure out how that happened even calculating escrow. There was also this $75 fee we had every single month. They never explained what it was for and told me it would never go away. I’ve been frustrated for a long time but you just put that to the back of your mind and pay the bill. It’s our house. We paid the bill.

Until we couldn’t.

Now I just have to wait until he gets back from court so I can finish this post with what happened. This is like the pre-court think-aloud portion of the post. There is still a whole post-court part of this I’ll update when he gets home. In the meantime I’m going to go work on another post. The Insurance Bill That Ate My Family. Feel free to read that one when you’re done here if you haven’t.

Part 2 – The Post-Court Portion of the Blog Post

Ooooh…well first of all the big bad lawyer from last time wasn’t there. We were up against the guy with his name on the door the last two court dates and today there was some Junior Attorney instead who didn’t seem to know what was going on.

His 8:45am appointment got him in fourth or fifth to see the judge. First off the judge noticed we didn’t have the head of the legal firm anymore. He totally noticed we were now dealing with a Junior Associate or whatever.

I wish I knew what that meant. It seems like it has to mean something, but maybe it just means the big guy was busy with some other case. *shrug*

They accepted our request for more time to file a response!

The judge wanted to do a straight 30-days until the next court date but Junior Attorney was all, “Your Honor, I can only come in on Fridays.” LOL! So it got pushed out. But the last two times it was supposed to be 30 days exactly it wasn’t so who knows how long it will be until our next “has to be on a Friday” court date happens!

Now the more sketchy not-quite-good but absolutely-not-bad news. We have to file our response by June 10th. If they have a brief reply the mortgage company has until June 24th. Our next court date is 7/11 (Feeling lucky? LOL) The thing is, the last time we were given 30 days, it turned into 90 for the next court date. So that July date might turn into August, September, or October. I’m not sure. We never know the actual next court date until we receive notice in the mail. So we are kind of back to being in limbo like before we got the court date for this meeting.

I know. I repeated myself there. I’m trying to let it all sink into my brain so I can understand what our next best steps are.

So now we have to get the stuff Citimortgage wants to them by June 4th and the stuff has to be filed downtown at the courthouse by June 10th. Plus Mr. Brickie is expecting a call to go in to work any day now.

Things are about to get hectic around here.

The last mortgage payment we made was in August of 2013. We were told to skip three payments so we could apply for the loan modification. It was the worst advice we ever took. So in three months we will have our year-long anniversary of no mortgage payments. It’s still possible to stay here, we just have to file all that paperwork we filed before all over again so they have up to date records of everything.

Mr. Brickie ran into the opposing council in the case and they talked for a bit. The opposing council Jr. Lawyer said to Mr. Brickie that the mortgage company doesn’t tell them anything so they keep showing up and just finding out as they go along. He told Mr. Brickie to email over what we email to the mortgage company because if we are in the middle of negotiations for a modification they aren’t able to proceed with the foreclosure stuff because of that dual-tracking law. So we might be able to go to court less as this goes along.

That would be nice.

Of course as it is right now, we don’t qualify under that dual-tracking law because it’s taken so long to get to this point. But the fact that they started sooner than 120 days might cause some problems. I mean, I don’t know what the outcome of all these problems is…do we just get more time? Is it more court dates? Is it more delays?

It’s confusing.

Unfortunately, if we don’t have paychecks from Mr. Brickie working, the only modification they’re going to offer us is the one where we modify our living arrangements and get out of this house because they don’t care about our savings account. They only care about the income. Not that we would have any savings to show after the next couple days. We have to completely drain it.

So we are still on a tightrope and the best thing I can say about it is either way we have a plan.

You know how I am about planning, though, did you expect I wouldn’t have plans? LOL

But my drained savings account (or, technically, my about-to-be-drained savings account) is for tomorrow’s blog post. Something came up and while we have the money for it, it’s a huge gouge in our finances. (Oh, hey, if you don’t want to miss that story you can put in your email address and hit submit over there on the right and you’ll get my posts right in your email so the next chapter of the story comes right to you!)

Other bad news. My computer totally died yesterday but turning on the air conditioning saved her. I guess she just needs perfect weather conditions to work. I’ve crashed a few times today already but as long as the air is cool she starts back up eventually.

I really need a new computer. Someone needs to set up a GoFundMe for my birthday or something so everyone I know can kick in a few bucks and I can have a computer that works and is reliable. I know it’s a pipe dream – especially because there are so many people with those GoFundMe accounts that are homeless or hungry or doing so much worse than I am – but you know the pipe dreams keep me entertained, and that’s something. 🙂

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Back to Work any Minute Now

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Mr. Brickie could be working any day now.

These days are really tense.

With him being 14 working days away from a substantial raise, it would give us a little breathing room if he could just work those 14 days without issue, but the weather is our master and questioning it leads to nothing but despair.

It’s what you deal with when you work outdoors.

There is a lot of hope in these days. We all just want him to work. We hope he will. Every night we stare at his phone, waiting for it to ring, knowing it could be the call to go in to work in the morning. So far it hasn’t happened, but mostly that was because of the sheer amount of snow that was dumped on our area on Monday. Today the laborers are cleaning up the space (as long as it’s not too wet) and then if the weather holds he will work tomorrow.

One never knows, though, how the weather will ultimately go.

That being said, this week looked so great and then flood warnings and other issues came up and it didn’t look great anymore. Next week looks abysmal. Any week now, any week, we will be able to get back in the swing of the life we had for a few short months and cannot wait to get back to!

Until then, there is hope.

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