All posts for the month January, 2012


Published January 31, 2012 by Sara

My friends just recently applied for a type of home mod loan, only this one charges you 31% of your household income for your house payment and unemployment is not counted towards the gross income. (Say what?!?) And they were approved. Heck, it only took them about not even a month to get accepted. 

I am hoping to pick their brain sometime soon, being as I would definitely think this is something Art and I should try for. Worse that can happen is they say No right? 

I am shocked they even got accepted for heat assistance. I didn’t apply last year being as I figured we were over the income threshold and if they got accepted, then we should too! BUT I have to wait for our taxes to be filed before I apply, being as that is what they need. Current year tax record. 😦 BUT if we get accepted for heat assistance again, we have a good chance of having improvements done on our house to save energy. Which I will be all over that for SURE!

But this would be doubly awesome if we could get accepted for both on top of the refinance as well. 

I do feel bad for them. They lost their tenant and rather suddenly as well and they left the unit in extremely poor shape. *sigh* So not only are my friends broke, they have no money to fix the other side, and even less money since they can’t rent it out. I want to try and help them out, but my finances are tight as well. Wouldn’t be so bad if my van didn’t need the work it did, but when our taxes arrive, even part of it will be held for closing on the refi and our trip to Seattle. 


I thought I would do a little research and they are doing a home modification loan. I thought this was a different type of modification. And also it looks that if we refinance, we won’t be able to do the modification. And I really think it would be best we try to for the mod loan and see out options for that first. THEN go for refinancing……



Published January 30, 2012 by Sara

This is a chore that ALWAYS eludes me. I have not been able to keep up with at ALL. Originally, I and told the kids they would start doing their own laundry. But that has never happened being as i have never fully caught up on laundry.

Well, tonight I had an epithany. Who says they can’t just wash one load of laundry a day? I know in reality, when laundry gets caught up, there will not be enough to wash for one day. But when that happens, we will then move to Monday, Weds and Friday.

And it looks like we need to revisit garbage duty. To which will be moved to a shared chore. Right now it’s only Gwen, and sometimes Emily. But time to do rotation.

I have a good feeling abut the laundry chore, being as that is the huge battle right there.


Published January 24, 2012 by Sara

My Aunt Lavinia passed away Jan 15th and her funeral was today. I didn’t take my younger children, being as thinking about it, the last funeral Julia attended was my Mom’s and I worried taking her to my Aunt Vinnie’s she would regress and bring back all those fears we battled just a few years ago. Also, she never really knew Aunt Vinnie as well as Emily.

So it was just Gwen and myself. We made it right before the service was about to start. We looked at her photos, which were lovely. I was a little surpsied at the small amount there was and that a lot of them were sitting loosely on a table.

The one I loved the best was of a close of he and her son. That one actually brought tears to my eyes and the finality of it all. And looking around there were no children present, so I was doubly glad that mine stayed home.

It was open casket, but I didn’t walk up to it. Being as I have learned that it’s not good. For one it creeps me out and two they never look like how you remember them. I don’t want that to be the last way I see them. I did that for my boss and after his, I vowed to never go up to an open casket again. (I have been to open caskets before my boss, but that was the only one that really bothered me.)

Well, my Uncle Stu and I have been playing phone tag. Well, I never got to speak to him officially before the service. It has been sheer madness on my end. Trying to get orders ready,Emily had a friend stay the night over the weekend. I just wish Art would take over the phone sometimes.

So when we arrived. I snooped through the guest book and didn’t see his signature. But I did see a man who kinda looked like him sitting down from behind, but when he turned to the side, he was clean shaven and did not look like my Uncle. So Gwen and I sat down and i figured if this is my Uncle Stu, he’d have the same orthopedic shoes. Nope.

I asked Gwen if she would mind leaving, being as I only wanted to stay if my Uncle was there. So when we got home, I called him and come to find out, that old man I was checking out from head to toe, WAS my Uncle. I have never seen him clean shaven! Plus next time I talk to him, I need to ask when in the world dd he change shoes?

I nagged the poor man when he stayed when my Mom passed away. He fell like 3 times when he stayed here. And he refused, being as he is stubborn. But I wanted him to have shoes that are more suitable for snow/ice. AND when we visited him last year in Minnesota, he still HAD the same shoes!

So this man was just full of surprises. I just hope to get some time to spend with him tomorrow before he leaves for Minnesota.

The kids are anxious to go to Minnesota over spring break. But I think maybe we will wait till summer. Being as it will be warmer and we won’t have to pack as much. They are asking to stay at the same hotel, which I don’t think we will be able too. Being as its too far from where Uncle Stu lives. But that hotel was REALLY nice.

I think we might even rent a car instead. Depending on the cost of course.