Category Archives: money

OMG it’s been a while!

We’ve been having quite a busy time lately. We dug our home out of foreclosure with the help of my parents. A huge “thank you” to them for that! Now we just have to stay on track. Staying on track can be rather difficult.

2 weekends ago we spent in Des Moines for tournament baseball games. That resulted in several restaurant purchases and a hotel room. Ugh. Bank account beware… This past weekend I worked all weekend but my husband was once again traveling for tournament ballgames. Once again restaurants, restaurants, gas, gas, gas!!! Double ugh.

On another note, I started running to try and get some of those endorphins I am always hearing about (figured I could use some of that!) It was working beautifully until I ended up with an overuse injury to my knee. Now I am doing an exercise program written up by my physical therapist. strengthening is great, but doesn’t quite bring on the endorphins.

After a week or so I was feeling rather burnt out, so I thought I would get outside and work in my yard. The weather was beautiful, green was popping up everywhere. How relaxing. Now my face and half of my body is covered in poison ivy. So here I sit, popping Benadryl and prednisone, covered in a rash doing my home exercise program and feeling like a blob without any endorphins!

Can’t wait to be healthy again!!!


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Filed under debt, finances, kids, money, Uncategorized

Homemade Granola…too Yum!

I can’t remember where I got this recipe, so if I have lifted this off of another blog or website I am sorry, but this is super yum and I have to share.  Granola can get expensive bought in a box at the store, but making it at home is super cheap and easy.  And I LOVE cheap and easy.  Here is all you have to do:

Combine the following ingredients in a mixing bowl:

2 c oats
1/2 c wheat germ
2 tbsp brown sugar
1/4 tsp salt

Then in a saucepan,  simmer the following over low heat
1/4 c maple syrup
3 tbsp vegetable oil
1 tbsp water
1 tsp vanilla

Then drizzle the wet mixture all over the dry ingredients.

Pour it all into a 9 x 13 greased pan and bake at 275 degrees for 30 minutes. Stir it up, add nuts or dried fruit or whatever you feel like and then continue to bake for another 15 minutes. Let it cool. Then devour. Yummy!

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Filed under money, recipes, Uncategorized

A daily play-by-play of financial ruin

Today I tried to discontinue my cable services.  They wouldn’t let me do that until I paid my past due amount.  I can’t do that because I don’t have any money.  I don’t have any money because I am paying for things I don’t need like cable.  I can’t cancel the cable until I have money to pay for the cable.  Now isn’t that just swell.

By the way, I decided not to say anything to my parents until they get back from their trip to Mexico.   I don’t think it’s right to ruin their vacation.  It’s not their fault I don’t know how to handle my own family’s money.  Right?

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Filed under Bills, debt, finances, money

And the hits keep comin’

So today I found out that my tax refund that I was going to use to catch up on the bills and start getting the mortgage on track, was re-routed to the mortgage company.  So that threw a wrench in my plan, since I had already post-dated a check to them with the anticipation that the tax refund would be in my checking account.  I call the mortgage company to stop payment, and they inform me that they can’t, because there is a lock on my account, because it is now begining forclosure, or whatever.  It’s so funny (but not really) how you think you are doing the right thing (or all that you can) only to find out you were soooo wrong. 

Tonight I went over and over our budget.  And located a local credit counselor (the nearest one is 45 min away, geez.)  Programmed the HUD foundation phone number in my cell.  Tried to convince my pride that it would not KILL me to tell my parents what is going on.  But it sure feels like it will kill me. 

Tomorrow I pay the water bill.  Even though I know that it will put my account into overdraft and I will be charged a fee.  If I don’t, my water will be turned off and I will have to pay twice as much.  And that just sucks.

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Man, I hate this…

Ok so here’s the scoop.  We have no money.  Big family=no money.  The IRS drained our bank account, which was awesome.  We had never had to pay in anything before last year so it was a shock anyway…all the while I thought I was paying the IRS, but I was actually paying my state taxes.  They didn’t care.  By the time they drained our account down to $1 our taxes were 10 months late and they were not going to work out an agreement.  Long story short…no money.  On top of that we had been trying to catch up on every other bill in the world, working overtime every week, but our mortgage was getting more and more behind.  Everytime I was about to pay the mortgage the water or the electric would get turned off and it kept getting put off and put off…well you get the picture.  So now…no money and house is about to go into forclosure.  Sweet.  I am busting my budgetting ass to figure this whole thing out, but it ain’t pretty people. 

So here I am eating canned ravioli and venting (haven’t gone to the grocery store in 2 weeks with a family of 6…options were limited.)  I sat down with the hubs and laid out the bill payment plan that I have constructed for the next 2 weeks.  We are supposed to get a tax return this year and at earliest it should show up tomorrow…cross your fingers and toes!  This should help a little with the mortgage, but of course other bills continue to roll in.  Needless to say there is a lock-down on spending in our house.  I just hope I can keep the hubs on track.  He said “We’ll just have to keep things tight for a month or two.”  I am thinking 6 months and am hoping to keep him focused. 

Keep your fingers and toes crossed for us, I don’t wanna lose the house!


Filed under money