Showing posts with label mortgage. Show all posts
Showing posts with label mortgage. Show all posts

Monday, June 23, 2008

Open House

My house is finally finished, paint, Spackle, vacuum, vinyl tile replacement, tons of cleaning, mopping, scrubbing, caulking, garage repair, install lighting, overhead stove fan, fix a broken toilet, donate stuff I wont' use anymore, frequenting Lowe's and Home Depot, store stuff that I need to still sort out, kicking out my brother that has moved in at his convenience, telling my oldest daughter Nani that she needs to grow up and go live with someone or anyone and go on her own, having two of my very good family friends, Mama Diane and Beatrice come over and meticulously clean my daughters apartment, shuttling out my son to his cousins for an unknown amount of time, getting rid of clutter and pretty much a major overhaul of my home. That's what I've been working on since the end of May to now and I'm finally finished. In between working and home, I've been so tired that I've been falling asleep as soon as I sit down for a break or any spare amount of time that I get. Today was the first day where I didn't lift a paint brush, box cutter, tool of any type. No errands to tend or any important tasks to get done. It is finally done. I rested until 11:00am and that is the longest time that I've taken out for myself. It was nice to rest and have this now beautiful house all to myself. My open house was yesterday and from what my realtor said is that the foot traffic was good and there was quite a bit of interest. She thinks that the asking price is a little high and we may need to lower it. I was in agreement. Anything to get the home sold and pay off my bank and hopefully have a little money left over for me. I don't want to be a homeowner anymore. The taxes, monthly allocation of monies that are needed to go to repairing the home and the daily and weekly upkeep and all of this on my own. I'm not a two earner family but a single mother of a 15 year old son who thinks I'm an ATM! I could very well do without all of that. My dream is not to own a home but to enjoy my life. With my RA now is check and medication working to make me work, it will be a matter of time before I really become disabled. I'm hoping that the time will be further along in my future or maybe not. I want to travel, take some time off from work and see all of the things that I've read in books and readings. But for now, it's work and more work. But today, I'm at rest.

Sunday, June 15, 2008

Pua is MIA (missing in action)

again and called me to tell me that she had broken a window at her facility (again) and had her boyfriend Adolpho waiting in his car to pick her up to bring her back to the bay area. Those two remind of a modern day "Bonnie and Clyde". Now she is Redwood City living with her boyfriend who is living with his Aunt and some odd children in a crowded two bedroom apartment. I'm not sure she will last long in her state without her medication and I'm sure she will start to wear as the week goes along. A few days later she called to tell me that she was arguing with Adolpho and wanted to seek refuge at my house. I told her "no" and that she should work out whatever problems she has with him and to communicate her concerns. Eventually they worked out whatever it was that bothered her and seemed content on staying where she was at. I'll have her over for a visit at another time.
I'm still cleaning and multi-tasking my home and very much doing most of the work by myself. It is an arduous task to get a phenomenal amount of work done under a deadline. Aside from working, I come home to work on the house. I wake up and work on the house and then go to work. I've curbed my working hours and have slacked off at picking up hours to get my house done before the Open house next week Sunday. Once that is all finally done, I will resume my work hours by picking up more to pad my paycheck. I am planning a long awaited International trip to Dublin, Ireland and London next month for my two week vacation. It will be a much needed time off from everything and everyone. I'm so looking forward to this journey. While my home is on the market, I'm crossing my fingers and hope that it will sell well and hopefully I will have a buyer by the end of summer. I'm optimistic about that, I have to be. My home looks great, I staged it well. It still needs some work, painting the front and back. Not huge monumental tasks but easily done in a few days time. Aside from that, I will be done with everything and I can finally sit back, take a deep breath and have an ice cold beer! My home will be on the market next week.

Sunday, May 4, 2008

Mortgage meltdown

I have been in talks on the phone with my mortgage lenders as my monthly payments have been overwhelming since I was on sick leave for four months and not able to keep up with my mortgage. Foreclosure looms in the distance and I have done everything possible to keep from losing my home. Downey has received my packet information for a loan modification but it will take four to six weeks to process. In the meantime, I am to call back every week to check on the status of the packet and where I am in the process. There is no foreclosure date, yet. I am hoping that they will modify my loan to where I can pay a respectable amount a month and not some outrageous sum for the next year or two. I have made up my mind to try to sell my home and just be a renter. I am totally satisfied with that. I have retained my realtor who sold my father's home in Pacifica and found this nice house in Daly City complete with an in-law apartment downstairs. My oldest daughter, Nani, who rents from me has not paid me any rent and I have told her that I cannot support a 24 year old! I suggested that she go and live with her boyfriend, Sergio, who she has recently gotten back together with and has been seeing. I did catch him on my front door stoop trying to leave an overnight bag that she had forgotten and confronted him about her staying with him. Like any man, he made up excuses that he lives on his own and likes living by himself since his mother moved back to Central America. But he calls my daughter when he wants to spend time with her to stay overnight at his place. Well you know what, Sergio? Take her, the hell, with you! Then I wouldn't have to see your free loading butt in my house! I did tell my daughter that when we sell this house, I will be moving into a 2 bedroom apartment for my son and I only. She's welcome to stay with us, but it will out in the front living room. It is very hard to live in California to afford a home or apartment here. Adult children moving back in with their parents. Children don't want to help their parents out with much especially if the adult children's money is going to important things like, partying with their friends. They eat your food, use your laundry detergent and have no decency to respect your home. It's the "GEN-M's" Generation moochers! I'm only speaking on behalf of my daughter. There may be more out there like her but then again, I know that there are alot of other self respecting young adults who do have their crap together and know what it takes to make it out in the world. Some just take a little longer.

Saturday, December 8, 2007

I got approved

from my company fund to help me out with expenses such as my mortgage and PG&E. I am so happy that it's one less thing that I have to worry about. My company takes care of it's employees in times of financial burden, disasters and other situations beyond our control. I applied a few weeks ago and the woman, Janet called me the other day and said that they'll be going into their weekly meeting and she'll be presenting my case. I later found out that they call your station to ask about the employee's performance, attendance, training and such. She called me Tuesday to let me know that I was approved and that they would FEDX an envelope out to me. I was so elated and thanked her profusely, trying very hard not to cry during our phone conversation. I would be receiving the envelope this Thursday. I told myself that as soon as I go back to work, I will sign on and start contributing to the fund. It is such an excellent source of help for the employees and i am forever in their gratitude for it.

Tuesday, November 27, 2007

My rhummy

is acting up. I woke up this morning feeling stiffer than ever in the right side of my body. My right hand is very stiff and my right ankle is a bit swollen making it difficult to walk. Many times a hot shower does just the trick and I feel as if the RA is seeping out of my body only to return a short time later to settle back in only fiercer. I can really feel the effects of the lowering of the prednisone which I'm down to half a table each day until Dec 1st. Then I go back to see my "RAtologist" for a check up and to start the 3rd phase of my medications.
I have to gather up some paper work sometime to day and get that to my friend, Sarah, who is going see if I'm able to take out a loan on my home. Also, on that note, I have to send in some paper work to my employment to see if they can help me out for the short time that I'm out of work. We have a fund that helps employees out in a time of need, like a welfare system of our own but you don't have to pay anything back. Contributions are accepted and employees that can, take full advantage of donating to the fund. I told myself, If I ever go back to work, even if I have to donate one dollar, I'll contribute to the fund.
I had an enjoyable weekend. I saw the final showing of "Stardust and empty wagons" on Sunday with the Evan's Family. It was even more heartfelt this time and as always the cast was great. They've been portraying the Katrina families for the past year in different cities and to finally have this come to a close and back to San Francisco where it was borne, it has come full circle. There was a cast party afterwards which the Evan's attended and I left to meet with Darrell and Stephanie in Burlingame for drinks. We talked about work and when I'll be back and the party coming up at our friend Gail in December. It's our annual get-together that we try to make yearly at someones house and it will be the white elephant theme.