Behind on Mortgage for months?

[Snoopy2645]

Re: Behind on Mortgage for months?

I would try to change what you can drop at least one cell & maybe sale a car if dh works opposite of you maybe it wont be much of a problem & you could get a clunker for now until the mortgage is paid up!!

I would then transfer that cc to 0% & pay it off. It sounds like you are in the same sorta situation we are though we also have an almost 2 yr old & a 4 yr old so I cant work FT we would pay out more in daycare than it would be worth so I work pt making about same as your dh what I have done to supplement the income since I dont make very much is I sale a little on ebay I coupon alot & do refunds I hope this helps you I also do surveys & mystery shops & merchandise anything to help you know!!

I know it was mentioned already about dds preschool to that maybe something to think about also at least for now you could see about taking her to the library for different free activities like storytime & things like that.

[mom-from-missouri]

Re: Behind on Mortgage for months?

Can you borrow against your 401K at work to get the mortgage caught up and maybe pay off some other bills? Where I work, a loan from my 401K, I pay back with only 4% interest, but that interest goes into my account. I know it will lower your paycheck, but, it could also equal out if you then had other bills you were no longer paying because you paid them off with it. Also, you could possibly stretch the payments out over several years to keep your paycheck up there. Also, 401K loans are auto deducted from your paycheck, so you can't get behind on those. After you are caught up, you may also investigate the possibility of have your house payment auto deducted--it would work like this-- If you get paid 2 times a month, have half of your housepayment put into a savings or credit union account. Then, on the due date, have your mortgage company auto deduct the payment from that account. Use that account for nothing else, till you have your spending and bills under control. You wont have to put the payment all out of one check that way, and it will always be paid on time with no late fees. That is how mine works, but out of my checking account-it auto deducts from my debit VISA card. I have never been late since doing it this way, and it earns a little interest. Since it hits my VISA debit card, without using the pin, I also get the points for the cash back program.

[PrincessPerky]

Re: Behind on Mortgage for months?

If you pull the kids out of preschool (as a home educator I am highly in favor of it .)

try:

https://www.starfall.com

for really cool phonics site, great for learning letters and sounds
Also go look at ther forum, short but there are many links to enchanted learning and reading lessons and a few math sites (the math sites online are too advanced for even my first grader mostly, but the worksheets you can print are nice.)

Also

https://www.primarygames.com

Lots of great games, including an easter color mixing one, and several that keep me glued to the computer . Only trouble is they are not categorized by difficulty, so it takes a bit of time to search out which ones you want. If you pm me I will send you the links specifically to the ones my DS (3yo) plays. (click my name on the post it should let you pm me)

[cercis]

Re: Behind on Mortgage for months?

I would say, before you pull the kids out of preschool, examine the personality of your dh. Is he social? Would he be likely to take your child to the park and other events? Can he take him/her to the library reading time, or does the younger child make it too difficult (and conversely, does the older child make it too difficult)? I found that even though my kids are close together (22 months) we couldn't participate in story hour at the library because they were insistent that ONLY the kids in the correct age group could attend and no younger or older siblings were allowed, but that a parent HAD to be there.

My kids were in preschool even when we were going into debt for it because I am not social. Social situations make me so uncomfortable that I often get sick. The only social event we did was la leche league 2x/month and I was able to do that because they were women who didn't judge anything about me. I found the mothers at the park to be extremely judgmental and many of them would call their kids over when my kids tried to play with them.

Preschool was their only social outlet. And it worked well for my 7yo. He's now one of the most confident and outgoing and well-liked kids in his class. This works out well because he wants to be president someday.

[boothev]

Re: Behind on Mortgage for months?

I would say, before you pull the kids out of preschool, examine the personality of your dh. Is he social? Would he be likely to take your child to the park and other events? Can he take him/her to the library reading time, or does the younger child make it too difficult (and conversely, does the older child make it too difficult)? I found that even though my kids are close together (22 months) we couldn't participate in story hour at the library because they were insistent that ONLY the kids in the correct age group could attend and no younger or older siblings were allowed, but that a parent HAD to be there.

My kids were in preschool even when we were going into debt for it because I am not social. Social situations make me so uncomfortable that I often get sick.

My DH's social style does make a difference here. I am goal oriented and make "appointments" with myself to get certain things done. My DH operates on "inspiratation". [And this is what I got from about 10 months of counseling for myself! I love the guy dearly, but we just operate differently.]

Where does this leave us? If he doesn't HAVE to take the kids to story time at the library, he may NOT do it on a day when he isn't INSPIRED to. Preschool is different. In our mind, this is the whole reason we made the decision for him to be a SAHD - To get the kids where they needed to go.

Preschool is only MWF, from 9 to 11:30 am, so it isn't every day, all day. It is the ONE thing my DD can count on in her week with DH.

Again, I love the guy dearly. Without him, I would be way too serious and wound up tight. Without me, hmmmm, I guess he would be with a loser girlfriend and probably still drinking. (8 years sober last June!)

SATURDAY's TIPS = $35.

That is a grand total of $115 for 3 nights work.

Tonight, DH was not scheduled, but is filling in for someone else! Yay! He is killing it and dragging it home and I am praising him all the way!

Well, I am off to think about the budget and plan a Crockpot BBQ Chicken meal for tomorrow night.

Thanks everyone!

[boothev]

Re: Behind on Mortgage for months?

Good News!

My check for one month's payment was cashed! I am officially only 2 payments behind and will make another payment in less than 2 weeks!

Full speed ahead with the plan!

Valerie

[mom-from-missouri]

Re: Behind on Mortgage for months?

Good for you!!!

[Tree0164]

Re: Behind on Mortgage for months?

Wonderful Valerie!

Now just focus focus focus! You can do it.

[PrincessPerky]

Re: Behind on Mortgage for months?

Awesome!

Congrats to the DH on sober

And flyby is how I do most of my twos education (with a checkup just in case)
You could be the check up, he could be the inspired 'teachable moments type'