Nothing has changed between then and now but that does not mean I am giving up. In summary, the Obama Making Home Affordable Modifications takes three steps to lower your mortgage to 31% of your income due to a change in financial cercumstances that puts the homeowner in immediate danger of foreclosure. The three steps are:
1. Lower the interest rate up to 2%
2. Increase the length of the mortgage to 40 years
3. Create a balloon payment.
After begging our case manager to get to our mortgage before the transfer of our mortgage was complete on October 1st, she informed me that we were ineligible because our balloon payment would be $140,000. This was in unacceptable amount of money for the mortgage company to set aside. Her advice to us was to make more money. Duh! Don't you think we would like to make more money? Easier said than done, especially when we have a child with a chronic medical condition that requires countless hours of attention per day.
Enough is enough. It is obvious that if we are going to keep our house we are going to have to do it on our own with no help from the generous President Obama or the banks that he bailed out. I am even willing to sell this...
I won't even get into how hard it was to get this vehicle. Ok maybe I will. I originally had a red 2006 Jeep Wrangler. I loved this vehicle because it was identical to the red Jeep Wrangler that my father drove. Then when I found out I was pregnant I traded my Jeep Wrangler in for a silver 2008 Jeep Liberty. Every time I saw a Wrangler on the road I missed mine terribly. So several months pregnant, I sold the Jeep Liberty to my brother and his wife in Colorado and found the above beauty in Wisconsin. A 2006 Jeep Wrangler Unlimited Rubicon with a 6 speed manual transmission. It made the journey from Wisconsin to New Jersey and I could not have been happier. This is all before we knew Cystic Fibrosis would change our lives and our finances forever.
Regardless, I would be willing to say goodbye if it meant keeping
I am stressed. And when I am stressed, I shut down and I eat. Some people cope with stress by not eating but not me. Unhealthy, I know it but my appetite screams, "feed me!". Yesterday, still not feeling well enough to accomplish anything around the house, the last thing I wanted to do was prepare dinner. But stress begged for food so I turned to my trusty 'ole crock pot. I leafed through a pile of papers and pulled out the recipe for Chili Jay's older brother, Will, shared with me.
I know I have been including a lot of recipes lately and I will explain why. Every time we eat a meal that we really enjoy my husband says, "we have to add this one to our recipe book". The problem is that we don't have a recipe book nor do I have the time to make one. After publishing some of our favorite recipes as blog posts I intend to compile them and print them as a photo book.
Back to the chili, forever more known as Willy's Chili.
2 pounds ground beef
2 16 oz. cans diced tomatoes
2 16 oz. cans red kidney beans, drained
1 16 oz. can of pinto beans, drained
1 large onion, diced
1 green bell pepper, diced
1 red bell pepper, diced
1 6 oz. can sliced jalapenos, diced. (I bought one small jalapeno pepper in the produce section and diced that up)
3 Tbsp. chili powder
2 Tbsp. minced garlic
1 tsp. ground cumin
1 tsp. black pepper
2 Tbsp. Tabasco sauce, more or less to taste
Brown the ground beef and add to the crock pot.
Take the {washed} peppers.
Dice them and add to crock pot.
Take the onions...Ok I figured I would give it a try but I am getting sick of all this step by step stuff. Here is the abbreviated version of the recipe:
Dice the onions and add to crock pot. Open up all the cans. Drain the beans and add. Add the diced tomatoes. Measure or eyeball all of the spices and Voila!
After 4 hours on high, you will be able to enjoy Willy's Chili.
Serve over pasta or rice, freeze some, enjoy today or enjoy tomorrow!
10 comments:
CFMama! This recipe looks wonderfully yummy! Your pics of it make me want some now! Thanks for sharing it. In the mean time I hope you are able take each moment one at a time. Praying for you!
Your chill looks delicious. Good luck with your house, I hope you get to keep your jeep!!
cheers!!
This looks so yummy! I wish I had money so I could help you guys, but sadly, I don't. It always seems there is a catch in anything the government designs to help people like us--a catch that keeps us from benefiting in it. It makes me really angry because their kicking us while were already down! I will be praying for you guys constantly. God is bigger than all of this, and I'll be praying that it is His will for you guys to keep your home--because if it is, you will no matter what.
God bless and lots of hugs...
I can't even begin to understand how all this mortgage stuff works. I love how they offer first time homebuyers 8,000 dollars to help them. What about us who have problems and aren't first time homebuyers. We lost our house in the midst of the Jaxson crisis. We didn't forclose,so thats not on our record, but we didn't make any money and had to rent for a while. Praying all this works itself out and you know what decision to make.
OH yum! I eat when I am stressed too. I will have some chocolate for you! Just know this won't last forever. You will get through this too! My thoughts are with you!
Brandie
I can so relate to you and all your struggles. When Koby was first diagnosed and in the hospital for almost 8 months straight, I had come home to shower, change, and get back to him.
As soon as I stepped out of the shower, the phone rang. It was a creditor. I had missed two payments on a credit card.
I told her that my son was fighting for his life, and every bit of money I had was going toward paying for his care at the time.
She actually told me, in a hateful tone of voice,
"You need to get your priorities straight, Ma'am! You need to pay your debt, no matter what struggles you might be going through."
Needless to say, I told her to EFF off! "My son IS my priority, and you will NEVER see a dime of my money!"
I don't understand how people can be so cruel. I reported her to the company, and was able to work with a very nice woman who set up a 'doable' payment plan.
I eat when I'm stressed, too. Then I get fat. Then I eat more because I got fat. lol It's a vicious cycle.
Willy's Chili looks so good. I'm not stressing at the moment, but will definitely print out the recipe for the winter ahead.
Your chili looks delish! I know the struggles suck...there isn't way around realizing that. But as someone who has go through a lot of that stuff...day by day, things do get better,
Honey, I am so sorry. We tried to lower our payment using the same thing and they could lower it a whopping $90 a month. What a joke. We're still looking for other options. I pray everything will fall into place for ya'll. People should not have to make these huge decisions when their children are sick. It's just so unfair. ((hugs))
Three things, maybe four.
1. I am still praying for you. And the house mess.
2. That chili looks like my kind of recipie. I might have to try this one. :)
3. Wrong post, I know, but that was a really nice list you made for your husband.
4. I am stressed, too and trying really hard not to hibernate from the blog world. If I don't comment, I am still reading and still praying. God bless.
wow. I really hope things work out for you guys. I can't imagine facing that but know it can happen any time the banks decide to change their minds. I'm sorry too that you are facing selling your jeep.
That chilly looks fabulous and the pictures you took are amazing.
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