As many of you may already know Terence was unemployed for 14 months.
That in and of its self was quite a challenge but with Terence on unemployment
and us not sure how long it was going to last we decided we needed to try and
make some changes financially. We applied to the "making home
affordable" program back in January with the hopes that we would be able
to get our mortgage modified to stay in our house. Our mortgage company
put us on a modified payment plan while they reviewed our file and the modified
payment reduced our mortgage by $500 a month. Then there was nothing we could
do but continue to make our payments and wait, and wait, and wait. We would
get the occasional call from them asking for more paperwork, or in most cases
they had no idea why they had called us we just came up in their queue. Then good news! Terence got his new job and we were very
excited about that. Terence was able to
take that job at a considerable cut in pay because we were making the modified
mortgage payments. Just as luck would have
it, they finally got around to processing all of our paperwork shortly after T
started his new job. Because of that we
were DECLINED for the modification. Their reasoning was that our mortgage payment was not more than 31% of
our income even though we have lost money by him going back to work (since we
pay for daycare and commuting expenses). So on top of our mortgage going up $500 a month we now have to pay back
$3400 by the 10th of October. If we don’t we will be reported to the credit bureaus as delinquent on
our account (even though we have NEVER been late or missed a payment) and our
house could fall into foreclosure. This
all seem so backwards and frustrating to me! We are trying to do the right thing and this is what happened. On top of all of that, when we got the letter
stating that we were denied they also gave us options to either short sale our
house or deed it back to the mortgage company and walk away. It seems to me the more logical solution
would be to keep people in their home and have them pay their mortgages rather
then walk away but what do I know. The
whole thing is just so very strange. Thankfully we have some amazing people who have stepped up and are
lending us the money so we can pay it back by the 10th and not be
reported as delinquent on our mortgage (even though we have NEVER missed a
payment or been late! Did I say that
already? Just wanted to emphasize that). It’s just been another incredibly frustrating
situation on top of an already rough year.
P.S. once again blogger wants to make this look like a poem. I'm not rewriting it so enjoy!
Wednesday, September 29, 2010
Frustration!
Tuesday, September 28, 2010
New home phone
Sunday, September 26, 2010
My Girls!
| my favorite! and we actually got one of Brooks sitting down all in one! |
| Goofy face! |
Red Robin...Yum!
| This was the closest we got to having all three boys looking at the camera! |
Carousel
| Getting on |
| Brooks with his free ticket |
| Heather with Corey |
Little Red Wagon...
| Brooks JR coming down the slide |
| Corey the monkey |
| Connor swinging on the bars |
| the Lively family |
Surprise!
I do have to say that Brooks was a great co-conspirator and actually worked out most of the details of the day. We really just had to show up and he did the rest. He really is a very considerate husband!
We did a lot more yesterday but I am going to break it out into separate blogs for two reasons. One because I am way behind on my 365 blogs for the year and two because if I were to do it all as one post it would be too long and no one would read it. So stay tuned for more.
Boston
| This is the view from my hotel room. I was looking out over Boston and the ocean. |
Boston City Hall |
| Faneuil Hall |
| My very gracious coworker Alan |
| Street view of the Oyster house |
| Lunch! Yum, scallops and shrimp over rice with a tomato sauce |
| The subway. |
Black and White
Thursday, September 23, 2010
Bean Town!
absolutely gorgeous and everything is totally clean and pristinely kept.
I don’t know what I was expecting but it definitely was not this. My hotel was right in the middle of down town
which has been both a blessing and a curse. For those of you who have never been to Boston of for those of you
planning on visiting I have one piece of advice for you. Take a cab! The drivers here are not bad it’s the streets that are impossible to
navigate! Also the pedestrians here have
a death wish. They literally will walk
out in front of your car without even looking. And they do not use crosswalks just cross anywhere there is a break in
traffic. Yesterday afternoon I had to
run a couple of errands before the dinner I was hosting so I ventured out near
my hotel. The first crosswalk I came to
the red hand was on so I stopped. Everyone around me kept right on walking. I instantly identified myself as from out of
town because I waited for the walk sign to go before I went. I am hoping to leave the office a little
early today and get out to see some of the town. I don’t have a ton of time because my flight
leaves Boston at 6:30 but hopefully I will see something. If not I will have to get back out here again
(hopefully with Terence).
P.S. not sure why my formatting is so weird today. Blogger decided this post should look like a poem.
Tuesday, September 21, 2010
Tender Mercy
Today I am grateful for the tender mecies of the Lord. I ackowldege his hand in my life. I know that he is watching over and blessing my family in ways that I cannot even comprehend and I'm so grateful for that. Tonight I was on my way to the airport to leave for my flight to Boston and I got the feeling that I needed to check my wallet and make sure I had my American Express card. I did not remember taking it out of my wallet but the feeling was so strong I did not ignore the prompting. I pulled over, looked though my wallet and realized it was not there. I knew at that point I had left it at work. I'm so grateful that I left earlier tonight then I was planning, I'm so grateful I was thinking instead of listening to music so I was able to receive the feeling and I'm grateful most of all that I was able to run by my office and find my Amex card. Now I can actually check into my hotel and pay for food on my trip. I know that it was a tender mercy of the Lord that I was reminded to check for it. Just another reminder that our Father in Heaven knows us and is watching over each and every one of us.
Sunday, September 19, 2010
Cupcakes!
We also made red velvet cupcakes. I love red velvet cupcakes because they have a cream cheese frosting on them. Also I did not know until yesterday that they have buttermilk and vinegar in the cupcake it's self. I am assuming the vinegar has something to do with the amount of food coloring you put in it and sets the color like it does on an Easter egg. I don't know that's just a guess.
This is a recipe that we got off of the food network website and they were easy to make but the cupcake it's self did not have a lot of flavor. The frosting was awesome though, its identical the the frosting I put in my pumpkin rolls at thanksgiving so I knew it was going to be good. It was so good in fact that Talia and Corey did not even move out of the kitchen before the started licking the spoons.
It was a really fun day and reminded me how much I like baking. The only things I did not like were that its a lot of work and it makes a ton of dishes. Next time I am thinking of trying to make a version of my pumpkin rolls in cupcake form. We will see how that turns out.
Saturday, September 18, 2010
Friday, September 17, 2010
Man, Women, Wild
Wednesday, September 15, 2010
Fun Memory
Dessert Nachos
Well I'm not 100% sure that is what she called them as I was standing outside the door and could not hear her very well.I do know they were really good. Basically you take some flour tortillas and spread cinnamon and sugar on them and bake them in the oven until they are crunchy. Then you take fruit flavored yogurt and different kinds of fruit (raspberries, strawberries, blueberries) and put all of it over the top of the cinnamon and sugar tortillas. I was skeptical about them because I'm not a huge yogurt fan but these were SO good. I will definitely be making them for my family. Thank you Meredith for the recipe (if you could tell me exactly how to make the tortillas I would love you forever!)
Monday, September 13, 2010
Blah!
Sunday, September 12, 2010
Just Curious
Saturday, September 11, 2010
GOAL
Friday, September 10, 2010
to think that I saw it on Mulberry street
Thursday, September 9, 2010
fifteen!
- Terence signed up for an indoor soccer team today. I'm really excited for him to be on a sports team again! Terence LOVES sports and loves being competitive so this will be great for him
- Corey's coxsackie is finally going away, although he still has it on his feet and hands
- Connor loves to sing theme songs to TV shows. He particularly enjoys the Phineas and Ferb theme song along with the (ugh) Fanboy and Chum Chum theme.
- Tonight is the beginning of football season!
- I love football season but was not raised loving it, it's an acquired taste
- I think my team this season is going to be the Jets (I like Mark Sanchez)
- Terence pointed out that there are 22 games left in the baseball season and tonight on opening night of football season there are less games left in their season then in baseball.
- Talia is coming to visit us on the 18th! It has been a while since we have seen her so we are pretty excited
- I have a cold sore on my lip
- Terence LOVES his new job
- Corey is potty training right now, I give it a couple of weeks and we will be done with kids in diapers
- I made cheater chicken enchiladas for dinner. By cheater I mean the kind that is made with cream of chicken soup instead of from scratch
- my parents are leaving on vacation tonight
- I need a new good book to read
- Terence's cousin got married this last weekend and all of T's Dad's side of the family was there except for our family. Kind of a bummer!
- They live in New York which is why we could not make it
- I'm supposed to go to Boston in two weeks
- The weather was not terrible today. I'm embracing it!
- the last couple of nights our boys have gone to bed early like 7:30
- Terence and I have gone to bed 8:30 or 9:00
- Today was my coworkers 40th birthday
- I decorated her office with balloons and decorations, it was fun!
- I need to start a diet again ASAP.
- I am going to give myself this weekend to prepare and then start on Monday
- dieting and losing weight is so hard for me! I wish I could be one weight and stay at it.
- don't think that is in my genes
- controversial as this statement may be; I do not enjoy the Zoo! I think it is a boring way to spend a day and I always feel so bad for all the animals they have caged up.





