Off topic - Stress relief

[homerunstacy]

If it is still around maybe you can use it as a paperweight or how about regifting it each year like a fruit cake from family member to family member Haha! I thought about dropping one of my "mistakes" into my cichlid fish tank for some added color but the boyfriend would not go for it. He likes to keep the tank in a more natural state. The owner of this studio has a garden out front where select items not picked up go to rest.  It actually looks pretty cool.

[llecs]

This almost sounds like a bunch of personals.

But to add..

By day I am bean counter and CFO for a mid-sized corp near Wash. DC and by night I turn into superman and run a biz on the side.

When I'm doing those or going after FICO-slayers, I chill with my dear DW, 3 kids (6, 3, and 4 months), our cat, Belle, and our two fish (Oscar is an oscar and Pleco). Enjoying time with the family is the best!

Message Edited by llecs on 03-06-2008 08:46 PM

[Anonymous]

My DH work's and I stay home with my 15 dogs (yes 15) and 1 horse ..guess I'm pretty lucky

[Anonymous]

I was previously employed in the health care industry then i had a medical thing that just won't let up. Been battleing my illness for almost 3 years. My BF works in the health care industry as well so he has great flexability in his shifts. Whenever we get the chance we go away for mini vacations and family visits. We also have started planting a garden for fun and we like playing online games too. Ever since i found this site I have been working in earnest to reduce our debt load(a bit hard at times b/c of med bills). I know this sounds a bit morbid but if i leave early i want to make sure that my BF(soon to be DH soon)will be in the best possible situation. No big worries on what to do with the debts.

I love him very much and i wouln't want him or my family to have to worry about this crap. So since i have the free time (not working at the moment) i am able to take care of this stuff. Be honest it is actually fun 95% of the time.

[Anonymous]

Calgon helps!

I would like to say I am still a productive member of society, but, illnesses happen. Once upon a time ago, I was a finance manager for Harrah's and the Isle of Capri Casino's.

The main thing on my 'bucket list' is to get approved for a mortgage. I truly believe I could die in peace knowing I had my entire family together. I want to leave them with happy memories in a home they will come to live in a long time after I am gone. Heaven forbid I leave them with the knowledge of paper work, disputes with EX (both of them) and Fico scores in this cramped 2 bedroom apartment.

The worst issue we face, is not being able to have DH's two boys live with us. They are 5 and 6. His aunt and uncle went for temporary custody while he was deployed in Iraq 2004-2005, before we were married. So far, I see nothing temporary about it. These children act like they are in their 20's. I am all for rules and discipline, but these are very young boys who are not allowed to be children. Their mom abandoned them when they were 1 and 2. We are not allowed to have them spend the night or to go places with them alone. We can only see them at church or at their house on INVITATION only. They are not allowed to discuss what their father does for a living. It makes my blood boil to give them army toys to only have them tossed in the trash. My husband is proud to serve our country, but it is spoken about in hushed, secret tones by his children, behind his aunt and uncle's back of course.

Good news is, thanks to this forum, I have learned what needs to be fixed credit wise to solve the housing issue. I recently sent an email to the loan officer who we were working with last summer to see what kind of scores we now needed due to the banks taking a poop. He asked if he could re-run our credit. I said sure. We just signed disclosuers yesterday and faxed them back to go to underwriting. The pre-approval is a FHA 30 year fixed at 6.75%. We can live with that! Now, we will find out the first part of next week if we are indeed approved. I sure hope so since we have been waiting to tell his aunt and uncle to go pound sand!

So, if we are sucessful, I should have so much less stress. I know I have alot of free time on my hands now, but am really looking forward to being a full time 'mom' to 2 little boys who have more energy than I ever remembered having. To be able to re-unite them with their father after all this time would be the greatest gift I could ever receive. That alone, would be stress relief. Then when my time comes to go, I will leave DH with his children. He will need someone to be there and I am sure they will be just the thing to help him get by. I can only imagine if I were to die now. It's something I truly don't like to think about. So, say a prayer, cross your fingers, legs, toes and hope our loan goes through.

Now, I am off to do my other favorite past time other than to read here. Some on-line Texas hold em!

[Anonymous]

I am a business owner, you name it I try to do it or learn it. Got myself certified, trained, licensed in Massage Therapy, Cosmetology, CPR & First Training, CA Childcare Training, Reiki Instructor Training, etc. I was too busy trying to get trained & licensed to make a lot of money that in the process I ignored all my debts. I figured once I start making a "huge" amount of money, paying everything OFF will be easy. In theory it would have worked out, but when you are faced with reality - ROAD BLOCKS are everywhere.

I should have started making monthly payments on the big debts as those were the ones that hit me hard. Got a judgment on one, collections and charge off everywhere. I am still 3 collections and 2 charge off (no thanks to Palisades) into getting myself clean. More than $6K if cannot get it discounted or completely taken off for lack of validation.

After over $14K of paying creditors off, my score is still low. Well, part of it is because I had to buy my daughter a car last December.

Stress Relief - Other than fixing my report. Working out here and there. Watching TV, going to YAHOO ANSWERS, singing KARAOKE at home (gone are the days when I had time to go out)

This FORUM makes me realized, there is LIGHT at the end of the tunnell.

[homerunstacy]

6.75% is not bad at all!  Congrats! I am going to do an FHA as well. Going to try to get my FICO up in the 700's, continue to save for the downpayment, and then we should do pretty well.  We have a family friend that is our realtor and our mortgage broker is my boyfriend's cousin.  Both are giving us some coaching so we can have the best results. It is so hard to start over again and again.  I feel your pain. I think it is wonderful that you want to bring his kids home. What an amazing gift.

My BF is 41 and I will be 37 in a few days, also have struggled with my health lately but hasn't had much of an impact on my career, no children but want them very much and working with doctors on that one, only owned a condo once for about a year with the first husband back in the mid-90's, and have been a renter ever since.  I dream of the days when I can toss a baseball around with my kids and eventually the boyfriend turned DH in our backyard, make them wonderful meals in a nice big kitchen, and have the entire extended family over for a beautiful backyard wedding to celebrate all our new beginnings. I keep saying all this sacrafice and hard work in 2008 is going to make for a really wonderful 2009.  We have been through hell the last year but have both kept eachother sane. In just a couple of weeks we are giving up our very expensive urban rental so that we can stay with his parents for a few months to accelerate saving for the downpayment. We gave up a 2nd car and are now sharing a vehicle too.    It is a small 2 bedroom but all of us are very excited at the prospects. I will get to bank almost my entire salary and our cost of living will be about 20% of what it is today. His parents welcomed us with open arms and are thrilled to have us.  His father has been very ill as well, they are retired, and they have had trouble managing the bills so this will help us to keep a closer eye on him and help out. My debts are near zero, cc util under 10%, PIF every month, and my score went from mid 500's to mid 600's.  The BF is another story but we are working on his stuff next.  He has one judgement from an old business that is going to be a hell of a challenge.  A couple other high dollar items as well from many years ago that will age off in a few years so I'm thinking we might just leave them alone for now and I will do the FHA myself. Later we can refi together if the interest rate keeps going down.

I don't think this thread resembles a personal ad at all.  It shows that we are not just a range of FICO numbers but real people that are hoping to raise these numbers in an effort to have a better quality of life! I think it was a great idea =) Good Luck to all of you!