Saturday, December 29, 2012

Ready for a New Year and Hopefully some New Beginnings

Today is the 29th of December and I started my Plexus on or around late October. So it has been about 2 months, when I started I was 203 and today (even after the holidays) I weighed myself this morning and I was down to 188! Mind you, no exercise, definitely no dieting. I expected to gain a little something after how I ate on Christmas and the couple days after but I was shocked to see that I maintained and then lost a pound this morning.
This is terrific, I feel better and have a great amount of energy. I also find myself actually considering stepping it up and adding some exercise since now I got some of that weight off my knees. 
Only bad thing is I can't afford my new shipment. It is about 105 a month and I just don't have it. I spent a little more then I should have during the holidays and I have been out of work. I charged everything so now I don't have anything available anywhere. I am definitely in deep with debt. 
I am hoping to be able to find a job soon, I have interviewed for some things but they pay so little (less then half of what I made at my last job) and they are so low on the totem pole I feel these crappy jobs will bring me back to like when I was 18 and just starting out. I feel like they will be a resume killer and end up defining me, how can I go and find a better position if my last one was something so different. I am just so hesitant to make (another) poor decision that will effect me long term.
I am still toying with the idea of attending a program so I can look in certain fields but my struggle is getting myself in more debt to come out and not find a job because I do not have working experience in these fields or come out and be lucky to get 9 a hour. 
I get kind of disgusted with all of it, my hands are tied because I can only work certain hours since I am the primary care taker of my 3 kids, so it has to be part time and it can't be something that will drag my whole resume and experience down. I don't know where to turn or what to do at this point. I just keep looking around and hope to find something that I can really enjoy. Something part time, something that challenges me somewhat since that is what holds my interest most.
Hopefully I can find a good fit, and plant some roots. 
My main priority is being there for my kids but I understand I need to really bring some income in really soon. I am already behind on things and I had been borrowing from loans and credit cards to pay monthly bills so now that everything is maxed out I have really no where else to go with this. 
Sometimes I want to just pack up and move close to my parents, they would be a great help but it is a little harder finding work up there. 
Well anyway, I will get back on my Plexus slim as soon as possible and hopefully get my stuff together really soon.
Happy New Year to All!! 

Monday, November 26, 2012

On a side note

This is a picture of my puppy. I love him and he wanted to model for me. So check him out, he is a Cockapoo, which I never knew until looking around online that they are referred to as a 'forever puppy' because they always look like a puppy ...How CUTE

Do you see what I mean?

Cuteness ...

Saturday, November 24, 2012

Checking in again!

Okay so Thanksgiving just passed and I am now down to 195! Pretty awesome in my opinion, the results are slow for me but I have been sick so I have not been eating like I should and have skipped meals a couple times so that is probably the issue.
I am happy I have lost though, I can't tell you how many times I have tried to loose weight and never EVER see the scale budge. So this is impressive!
I have to drink a little more water, but that is so challenging for me and focus on eating my 3 square with a couple snacks. I bet that would really get things moving a little faster.
So almost a month and down 9 lbs!

Sunday, November 4, 2012

One week Check in

Ok, so I didn't post everyday lol but this is my one week check in on Plexus slim. I went from 203 to 199. That is awesome, but I will say this about this diet so far. I am dying of thirst all day, and because of the accelerator I am steering clear of anything with caffeine so all I drink all day is water. The occasional soda but that is rare. So I am not sure if this powder is doing anything really or if it is the change in my diet, which I did not really want to do but felt I had to do because of being on this. Now, I get up have the drink, drink about 3 or 4 huge glasses of water ( I think 32 ounces each) I eat like normal so I am not cutting anything out but my appetite is definitely not there, probably cause of all the water lol or maybe this product.
So I am a little neutral yet., I feel like, yes it is due to this product but is it the actual product or what this product is changing in how I eat. Like I am not real hungry and actually I feel a little yucky sometimes so I don't want to eat. Not like sick but just the thought of eating or the taste of certain food just doesn't appeal to me. However to the credit of this product, I ate 3 cupcakes yesterday, and McDonalds once this week. So.. I was definitely still having what I wanted and lost weight anyway. I just didn't have any late snacks, and drank mostly water. Did not exercise at all.
So whichever is the cause, I am staying on this because one way or another I lost weight. It is helping me to make different choices.
The Biocleanse... I don't love because it just makes me kind of gassy like my stomach makes noises but nothing happens lol so weird.
Ok, see what next weigh in reveals.!

Sunday, October 28, 2012

My New Journey

I have read some great things about this product Plexus Slim, so I decided to try it out. I don't jump from diet fad to diet fad because I am realistic and not rich lol so this one seemed to be pretty doable and the results seem amazing from what I read online.
Now I googled it and tried to see what 'real' people have to say about it and what I could find seemed to be about 80% good but there are alot of ambassadors out there who comment who used it and now sell it so it is hard to really take that as a pure opinion because they are selling it now.
That could mean it worked so well that they believe in it and want to sell it or they are just salesmen. I don't know so I am trying it myself and see what happens.
As much as I am a BIG talker in person, I tend to neglect my blog here so I thought I would document my journey with this new product so I can have a real record of how this works for me personally.
I have very stubborn weight, so when I do diet or do anything I never loose anything. I have trouble with exercise because of the extra weight on my joints so I would LOVE to loose some weight , like 10 or 20 lbs then start working out to kind of sculpt my body then, so I am doing this without exercise or at least that is the plan. I know there is a stimulant in this so I might bounce off the walls and maybe WANT to burn some energy lol but I do not plan to work out with this. I want to see how this does on it's own.
What I will do is avoid my typical drinks like Iced tea because I don't want to add caffeine in with this or I may never sleep again.
I will drink Orange juice, decaf soda and water.
Okay so I plan to just document my weight and how I feel on this.
I woke up this morning, Drank the Mix with the water and it was kind of sweet yet sour at the same time, I put it in too much water so that was a mistake cause I had so much of it drink, tomorrow I will measure it out and mix it with the right amount of water. I took 1 accelerator and about a half hour in I feel slightly jittery and a little anxious inside. I am a little sensitive to caffeine so this is a similar effect I have to when I drink a big glass of Turkey Hill Iced tea. I had to eat something though because I could tell I wasn't going feel good if I didn't so about a half hour after I took the pill and started to feel way energetic I ate a bagel with butter and a glass of OJ.
I am also going to take 2 of the bio cleanse pills but I am waiting til after my errands to try that in case it sends me to the bathroom lol
So the products I have are
Plexus slim drink mix
Accelerator
Biocleanse.
As of this morning I weigh 203 lbs. I measured myself but I will save that for my check in on weight next time as a comparison.
I will weigh myself and measure every Sunday.
The only thing I plan to change about how I diet is drinking more water. I will document how much I drink. I hate water so I will have to work up to this lol
Okay Day One is on !
PS- The woman I purchased from did tell me to take half the accelerator because of the caffeine but  I didn't want to really pry it open and spill it everywhere so I just took it ... bad idea? I don't know I will let you know tomorrow haha
Here we go!

Friday, October 12, 2012

FINALLY a way to get someone OFF your Pinterest TIP




Okay okay so I had a person that was previously a (and i use the term very lightly) 'friend', we parted ways to say the least and I was able to block them from my Facebook and everything else BUT they remained a FOLLOWER of mine on PINTEREST, now Pinterest is my happy place, it is my little dream treasure chest where I store all my wishes.
Well I searched high and low looking for a way to remove someone from my 'Follower' list and couldn't find an answer until NOW!
I stumbled on it myself actually, now maybe this is a new feature, I don't know but I thought I would share the wealth!
Go to your 'Followers' list of people following you, find the creeper and go to their page by clicking on their name, in the center box under their name to the right side you will see a flag, It looks greyed out but you can click on it.
It will give you a drop down, it has all the reasons to report the person then at the bottom it gives you the option to Block the person ... (this is where I heard angels sing)
It verifies that you understand you cannot follow each other and you select HELL YES ... or 'Block' as it is, then you are done... FREE and you do the happy dance.
Your welcome! haha If this is old news, well ...sorry but it made my DAY

Friday, July 27, 2012

Ideas,Ideas and more ideas

So, I have been kicking around some ideas lately. I am stuck in the work field, I just cannot find a perfect fit for my kids and their schedule. So I keep coming back to trying to create a way to make money from home, I have my chocolate idea out there, though I have not pushed it too much because of the heat and if someone asked for it to be shipped that could get tricky.
I am contemplating expanding on my photography skills, but I am such a huge critic of myself that when it comes to anything I touch if it is not perfect I will just torture myself about it. I love photography, if there is one thing I am passionate about it would be this as far as a hobby/potential career goes. My issue is that there is a LOT out there I do not know about it, like how to use photoshop and if I got a better camera I would have to learn all about that so I get a little intimidated there. I know I have the talent or potential to have the talent lol but then equipment is a whole other story and I do not have the money to back this right now, so I would like to maybe just keep it a hobby and work my way into it. I created a blog to kind of keep all my favorite shots in one spot and see my growth. If you would like to check it out you can click here.
Now I have also been playing around with crafts and I found one I really enjoy, anyone who knows me, knows that I adore my kids. I like the idea of making things for kids and maybe selling them, such as tutus and tutu dresses. I found a great site on how to create them and of course with me, I will definitely have to go over the top and make everything to my standard. I can expand on this with little knitted hats, maybe even custom personalized baby/toddler jewelry eventually. 
I have spent months trying to figure out what I want to do, what I can see myself able to market, and what I would LIKE to do for the long run. 
I also do not have much to invest up front so I have to be selective. 
Of course I think to myself that it would be easier maybe to just get back into the work field so I have contemplated getting my insurance license back and seeing what I can do there, my problem is that I have been out of that field for a few years so I don't know how far that will get me. 
I guess I will just feel things out and see what I come up with .. 
If your interested in my candy blog you can click here.
I also just played around a little on zazzle, the advertisement above my title here is a link to that page, the store name is Raspberry street, if anyone would be interested to see what I have going on there.
Thanks for reading!!
Ok! I finally made a couple of TuTu's and I love them!! Can't wait to hopefully be able to make some for people or even to rent a table at a festival and see how they do. You can check them out there http://raspberrypixiedust.blogspot.com/

Tuesday, June 5, 2012

Doing my thing...

Well, I have a few varied interests and they are usually based around cooking or crafting or something along those lines.
So I decided that instead of being too afraid to try anything that I would take my chances and start on some things that interest me.
I have my 2nd blog here based around my chocolate lollipops, I have to make and photograph more to add to that page. I am selling those and hopefully people will enjoy them. I spent a pretty penny on the whole thing, the chocolate itself is far from cheap.
If the way my kids devour them are any indication of how good they are then they should have no trouble selling lol
My 2nd business venture is making a store on Zazzle, selling t-shirts and other items. I like the idea of this because I love photography and I feel like I can make some nice things on there. I just started this morning so I don't have much yet but I am attaching the link the bottom of this post if anyone comes across this blog and would like to check it out.
Even if I don't make a living off these things, I certainly find them a lot of fun and at least I can say I tried.
So here we go!
http://www.zazzle.com/raspberry_street

Monday, May 28, 2012

What a terrific memorial day weekend!

My daughters birthday always falls on memorial day weekend since it is the 27th, well this year I asked her what kind of cake she would like and she said a 'princess cake'. So, I got to thinking about how I could make her a princess cake, especially how I am not a baking queen lol. I love baking but I lack the skill in fondant, sculpting etc. I did not let that stop me though, I remembered buying the Big top cupcake a few years back and using it for Irelyn's first birthday.
So I decided this was how I was going to create Violets cake.
I used 2 boxed of cake mix, which made a TON of cake mix but I wanted to fill the big top cupcake molds a little more to get a bigger cupcake.
Violet wanted pink cake so I got the deluxe moist supreme strawberry cake mix. Probably lucky that I did that because I may have overcooked the top a little since when I did go check on them (an hour after I put it in the oven) they were both done, the top and the bottom molds. Supposedly the top should come out 10-15 mins before the bottom - whoopsie. So I guess the moist cake helped me out because it was very good!
So I let it sit overnight in the fridge so I could trim it and ice it the next morning.
I of course had to trim the cake because it comes out rounded on top so you cut it flat to get a nice fit. I also trimmed the edges so they did not come to a point where the top and bottom meet (making it look like a giant cupcake) and instead gave it more of an oval shape. Then I put icing in between the top and bottom to get a good seal and a little icing in the middle never hurt no one.
I then just put strawberry icing all over it as smooth as I could. Then I had to snap Belle's legs off (eek!) and shove her into the top of the cake. Then I just used the decorating tube of icing they sell in the store and the X tip to create a little design on the top around Belle's waist and at the bottom of the cake.
I then just put the white sprinkle globes and pink sparkle sprinkles all around the 'dress'.
And WALA We have a 'Princess cake' - Slightly traumatic when you pull the doll out with no legs lol but you just move past that lol there is no way she could have kept her legs with this cake, she was wayyy too tall.
See my pics! I am so proud!













Thursday, May 24, 2012

When you run out of tomorrows

Well, for quite some time now I have been tossing around the idea of starting something on my own, like my own home business. The issue has always been the fear of losing my time and money that I rarely just have in excess and really the fear of failure.
I know myself well, I can totally admit my short comings and at the same point I recognize my strong points. So although I have a million ideas of things I would love to own and grow - none of them seemed to be just right. They either required a huge leap of faith, a ton of money, or something else I just do not have and cannot come by too easily.
So, I had messed around with the idea of child jewelry, hand crafted personalized etc. But I find that this has been something many people have done and that would make it harder to get anywhere with - does that mean I won't do it? No, I will do it but not right now, not my first venture.
If you know me personally, you know I am majorly indecisive, I can make decisions for everyone else but not for myself. Probably because I rarely like to hear good advice lol
You also know, I am a perfectionist with things I do. When I start something I must finish it as soon as possible and it must be perfect.
So starting this project is a major step for me, because I know how I am and how hard I am to deal with - even if I am only dealing with me lol
After much thought, I settled on an idea that I am very passionate about. I am going to start with chocolate lollipops. I can make them to order for birthday parties, as characters etc or I can make them for baby showers, or gift arrangements.
I took a nice little online course on how to make chocolate candy, I am super excited at all the ways I can expand this and grow the business and be able to be very creative.
I plan on using a high quality chocolate and going from there.
I will definitely update with photos and hopefully my friends will want to sample some of my treats and help me spread the word.
I have put this all off for long enough, I am not getting younger so I feel like now is my time.
Wish me luck!

Friday, April 20, 2012

Women, what IS going on?

Okay, I need to vent on this one. Let me give you a little background on my life, I am a single mother of 3 kids. I have been single since April of 2009, I have not dated or even thought about dating because my life is my kids right now. With that being said, in the last couple of months I have gotten contacted (harassed) by a couple of very insecure women on facebook, that for some reason or other have decided to select me from their boyfriends entire friends list to interrogate. Now, I do not communicate with these guys on a regular basis, I do not comment on their page in an inappropriate manner, nothing to make anyone raise an eyebrow.
I am at a loss, I don't understand even a little bit of what is in theses women's minds.
Sometimes I look around at the women I see, the women I hear tell about, the women who contact me randomly to get information or reassurance that I assume will help them sleep at night.
I am so sad, and really so disappointed in how the majority of women conduct themselves. I understand why it is so hard to find a 'normal' man. It is because men are so used to dealing with these women that they do not know what to do with a woman who is not falling down at their feet, or obsessing over their every move.
What happened to women? or have we ( I cringe to include myself in that statement) become this? What is wrong with women these days? Why do we empower anyone, not even just men but anyone to control our minds and our lives like this?
Grab a hold of who you are! Spend a few minutes getting to know and love yourself between relationships so you may move on to a regular, stable, loving relationship. I know there are people who are just 'this way', but come on, not all of you have to be this way. It seems to be more women that are insecure like this, then are not.
Try being in a relationship, and focusing on positive things and if you need something to obsess over, make it school or work or if you have them, your children!
Stop nit picking the past, stop being frantic about any of the women that your man maybe comes in contact with, stop measuring yourself against other women, JUST STOP.
Let me say this, and I know it has been said before but maybe someone will listen this time. If the man wants someone else, he will get it. IF THE MAN WANTS SOMEONE ELSE, HE WILL GO AND GET HER. Nothing you do, nothing you try and 'interfere' with nothing you say will stop it. NOTHING.
So please, please for the sake of the future for the sake of the general perception of women, PLEASE get some dignity. Get some self respect, stop worrying so much over something you cannot control.
Enjoy your relationship and if it is not enjoyable or if you are worrying more then anything else then leave it. Because if you spend that much time worrying about things like infidelity then either you are right and he is cheating, or you need to spend some time single and working on your SELF.
You cannot be free to enjoy a healthy relationship if you are obsessing about this type of thing.
I never handle these women's emails or comments well, I always get very frustrated and actually angry. The reason is because I am offended. I am offended that these women think that I owe them something, they think that I am mentally on their level and will dignify their insanity with an explanation. Well, I won't, you have hit a brick wall when you email me. I will not now and not ever explain myself to someone because they demand it of me. I actually do have dignity and self respect.
I will not encourage your disgraceful behavior.
Relationships, are optional in life - they are a perk not a necessity. Everyone watches movies and thinks that is reality and that is what they need to have in their lives. It is not the norm, it is not something you have to achieve in your life. When you watch movies and see a superhero, do you believe you can be that too? No because it is in the movies for a reason, if it was everyday life that these phenomenal love stories came true then why would we pay to see it? I believe that in our lives we all have our blessings, some have family some have career, some have amazing friends. Some of us have more then one of these blessings, but to think that you have to have ALL of these blessings is well, just setting yourself up. Too many women go on and find a man who wants that fairytale as much as they do, wants to call someone his 'wife' and really anyone he can tolerate looking at will do. Then they get a few years in and realize this was not for them, or the man cheats or the woman cheats. Because you got yourself into something and tried to play pretend but forgot it was pretend. Just being able to say you have something will not always be enough.
Sure, some people commit to committing to someone and if they are both on that page then great but do not lie to yourself.
This world is beautiful, enjoy it. This life is short, don't live it for someone else - live it for yourself.
If you find the blessing of a 'soul mate' then good, but that is rare and it is not for everyone. I would venture to say that 90% of people who are married are not soul mates, most of them just made a choice. Hopefully a choice that they can continue to choose for the rest of their lives.
If you found your soul mate then great, be happy with that. We can not all, have everything.
I think that is the biggest disappointment for a lot of people, most people want everything and will do anything to get it. You could be gone next week, instead of worrying about getting everything just enjoy what you have right now.
Good luck and please, learn to love yourself first - you came into this world alone and when the end comes you will have to take that journey alone as well.
If you need to devote a part of yourself to something and you can't find the right partner then devote it to helping people, they will appreciate it more.



Saturday, April 14, 2012

My Bank of America Mortgage Modification

Well, after all this time I can finally say that my modification is complete!
It took a lot of work, it is definitely not for someone who is easily discouraged. Let's see, I started applying for modifications back in 2009 since I had lost my job in 2008. I sent, and resent them papers for a year then got denied. The first time I was denied for 'poor credit decisions' so I guess I was suppose to know I was going to get laid off in their opinion.
Then I reapplied, and got denied for not having a job.
Then I found a job and re applied, and got denied because my income was too low after I was told all I needed was a job, any job would do but I just needed a source of income.
So, after some time I waited and applied again, this time I got denied because they lost my paper work I sent several times to them.
I went (finally) to the credit counselors thinking I was just not doing something right, she sent my paperwork to Pennsylvania housing and I got denied. She then advised me that if they could not help no one could.
O.o
So I did some research, I found websites that had people claiming they contacted the OCC (Office of the comptroller of the currency) so I wrote to them and told them how I was getting the run around and contradicting statements from the bank, my main problem was that too many people had their hands in my file and were asking me to send them stuff but it was never getting in my file, then someone else would look at it and say half this same stuff was missing and then they wanted extra paper work the first person did not even ask for, it was frustrating and unprofessional that it seemed as if each rep made up their own rules.
I also wrote to my local attorney state general office, and the US Department of Treasury just to make sure I had all my bases covered and I figured one of these places would help me.
So it turned out to be the OCC, they got in touch with the bank and the bank called me personally from an escalated division that introduces themselves as working in the presidents office. They assigned me to a specific representative that would handle my case personally. My first time doing this the woman was OK but I told her I was starting a new job and she told me that was ok just to send the offer letter then when I got pay stubs to forward her those. So I did that and right before I got the first paycheck I got a letter declining me saying I did not send a paystub. Very frustrating because she was the one who told me it would be okay and to send the letter that was my offer until I received my first check. So I waited, got myself a few paychecks then reapplied and reported them to the OCC again so I could get a personal rep. I got a call and was assigned to a very nice and very thorough woman, she was also an underwriter which was terrific.
She sent me the paperwork & I sent her everything (maybe the 12th time I sent all that paperwork to this same bank) and she got in touch with me every step of the way and I had her personal line. She walked me through every step and got me the preapproval. She assured me that was the hardest part to get past.
Then we moved along, she was transferred to another department so in the end I got another gentleman and he was nice, seemed like he knew what was going on and he finished the rest up. Only a couple times they contacted me to ask for my current home owners insurance which I thought was odd since they were the one paying it they knew it was paid but I guess things that make sense don't matter.
So I went onto a trial payment plan, I made my three payments right on time or a day or so early. After that I had to wait about 1 month for it to go through underwriting again, it did (they were who requested that insurance paperwork) then I got my fed ex package with the closing papers. I took it over the same day to one of their branches and had them notarize it as I signed it and sent it off.
I contacted them when I seen it was received and he assured me everything was okay and that it would take 60-90 days for it to finalize and go through closing. It all came together between the 60-70 day mark it seemed (as I followed my account closely online) small things changed every few days, the final adjustment was the past due balance disappeared and the monthly due amount showed the modified amount.
At this point I had about $900 in limbo land that was not applied anywhere so he put through to have it applied to the late fees since (although the paperwork indicated it was in the modification,although the wording there was a little vague) it apparently was not included in the modification. So he had applied it to that amount and then we were all on the same page.
I was still listed with the escalation department for 2 months after this to ensure I had no more questions or help that I would need to contact him directly for and today he called me to inform me that he was releasing me back to the regular customer service in the next two weeks since everything was finalized and going smoothly.
So, in closing let me say this was a HUGE process, took me about 3 years I was behind about 6 months of payments and it went up to 8 months while waiting through the process to start making the trial payments. Once all was said and done it cut my mortgage in half and that now includes my taxes and home owners insurance . The way it works is that my interest rate which was 9.750% is now 2.125% & will remain fixed for 3 yrs then increase over the next few years but will not exceed 4.12% then at the end of 480 months I will have a balloon payment of 43k. I obviously do not plan to allow that all to go that way, I would either refinance in a few years or sell the house but that is far down the road for me, I am just happy I can afford it for now and afford to feed my kids at the same time. I should also mention I did not qualify for any federal modifications, this was an in house modification with Bank of America.
All in all, if you are on this journey definitely file with the OCC and get yourself a personal agent - the man did tell me they were making it their policy to have everyone deal with one person from there on out but I don't know if I believe that, I think  you have to cause some commotion to get noticed and get a personal rep but I hope they are really making that change because that would streamline the whole process.
It is definitely worth it if you can be patient - very patient and learn to not take no for an answer, just keep trying. You have nothing to loose because while you are in application status for the modification they cannot foreclose so you buy yourself time if nothing else.
Best of luck to anyone out there and if anyone has any questions feel free to ask and I will help if I can, I know how frustrated I was and the only guidance I could find was through blogs and online forums and reading peoples personal experiences. I even tried my local non profit legal office but they could not do much but offer to represent me in the foreclosure. Glad it did not come to that!
Now if I could only exercise this much determination in exercising haha!
  

Tuesday, April 10, 2012

My never ending job hunt and the car loan from hell

Well, that is the last two months in a nut shell.. First of all I had been working as a merchandiser then they cut my hours not because of lack of work but because of incompetent management. So I went looking for another job, I found a job (Daniels Sharpsmart), interviewed and got it. We discussed hours in the interview and on the phone when offered the position. She demanded I start immediately, my other job did not accept the 2 week notice because it could not be in their typical hours. So, I started and on the first day I got fired because she apparently wanted to hire a part time person but wanted me to work 8 hours a day with out ever asking or telling me so. I went in to do 'paperwork' and they made me start working with no background checks or anything done yet, so since it was suppose to be a 4 hour a day job I asked if it was time to go since it had been four hours, she said ok and I left then I get home and get a call saying she thinks my family obligations won't work with what she needs. First of all she never told me I was going to work that day, second of all she never asked me if I could work later and lastly she should have hired someone two weeks earlier since they were trying to meet a deadline for Wednesday. How unprofessional of her, to make me quit my job and then fire me. I have three kids to feed. I am shocked at how she handled it, she apologized a hundred times but it was still and still is a HUGE problem for me, I am still looking for work and that was a month ago.
It is not easy to find early morning part time work, I am very limited because I have to care for my kids.
This is a nightmare.
Now onto my second nightmare. This one is another big ordeal.
Are you ready for this?
Okay, that car loan I mentioned in a previous post just won't go away.
I went to get a car loan, they could only get me approved one place and it happened to be where I had a previous repossession (thanks to the irresponsibility of a 'friend') and they insisted on adding the balance of that loan into the 'acquisition fees', they told me that it would help my credit by zeroing out that old loan and get rid of the repossession. This is through Santander.
So I agreed, even though the interest is almost 20%, I am fully aware that people with bad credit get screwed coming and going.
Now here we are two months later and they never applied that extra $881 in fees to cover that old loan. They are claiming ignorance, the finance rep who got the loan for me has been calling and they are refusing to move the money around saying that nothing was notated about that. So, I am paying interest on top of money they pocketed and never applied where they were suppose to apply it.
The car was only 10,995 and the loan after all their fees including that $881 is close to 14k.
I will say this, I will fight this as much as I can but it is like fighting a giant so I don't know how far I will get, lesson learned - Never trust anyone, get everything in writing and NEVER work with Santander again. EVER.
How can a bank justify charging fees in addition to that high of interest, it is very unfair and taking full advantage of a person in a bad situation.
So those are my two headaches, I am battling them both everyday. I seem to be a person who cannot catch a break, anything that can happen or things you think could never happen ALWAYS happen to me.
I must have a target on my back.

Monday, February 13, 2012

What about your friends..

Well, I am going to get some venting out today. The last couple days or week even, have me thinking and really looking around me. I don't know if perhaps I just have super high standards, or If I live in a fantasy land but I have trouble with other human beings. I have the same trouble or issues with female friends as I do with potential boyfriends. I know people who have tons of friends, that has me thinking either they are a-lucky, b- they don't think too much into people, c- they accept people for who they are even if they don't like them or d- maybe I am a bad person and have no clue. 
Let me elaborate, I will use these an example of my most recent experiences. One is with a 'friend' that was always a very self centered person, I knew it but there was a really nice side to being friends with her and that was she knew how to listen - that is huge for me I love having someone to call and just ramble on to, it helps me figure out what i want to do if I can talk to someone about it. Now we were friends for a very long time and I had a car I was getting rid of, I let her assume the loan on it. BIG mistake, she (around the same time got a boyfriend) was already onto bigger and better things then our friendship. So once she had the outside influence of other people she managed to see herself as a victim, in her mind she was doing me a favor. I don't know how because she paid the exact amount the payment was for, I made nothing off of the deal. In the end she stopped paying and the car was repossessed. Fast forward to today, I had some income issues and had to get rid of my vehicle that was almost paid off, i went for a cash car but it was very tight with the kids and all so I knew it was temporary. I eventually got into another car (like I spoke of in my previous post) and that was a major headache, so I got my dad to help me out and co sign (first time in my life he was willing to do so  - I guess this means I am growing up!) and when I was applying no one would help me because of her(or my if you are looking at it this way) repossession, even though  when I got rid of my own truck I had it paid off by a dealership. In the end I got one place to approve me, but they added this balance onto my new loan. So I am paying on the car she walked away from, I also helped her get cleared of tickets that would have cost her over 800 bucks in that car, I had to drive a hour to go to court and defend it since I was the technical owner of the car I would have gotten the ticket but she knew she would have to pay it, in the end no one had to because I showed up and defended it. Now the balance on that repo was 811, in addition I have  HUGE interest on this loan so the right thing to do would be for her to at least offer to pay half of it, she just said wow that sucks. -- Thanks friend--
There is so much more to that story but It would take me a week to type so in the end, I am just disappointed that even now around tax time when I know she will have the money she still just can't be a 'friend'. 
I just feel like, finding true friends shouldn't be this hard - is it me? or is society overflowing with these kind of people? 
I look around me and I see I have about 100 people on my FB page, I read their posts some of their opinions or statements offend me a little but I just turn the other cheek because even though it is not directed at me it is still somewhat offensive towards me. 
I just feel so .. alone sometimes, like what does it take to find genuine people - people who aren't so selfish, people who don't spend so much time judging other people, or those who sit around and stay friends with someone just to have access to their info and then bash them behind their backs, or people who only are happy to talk to  you when something horrible happens to you so they can get the story cause their lives are so boring on their own.
I see people talk about single moms, or lower income people, or other things that would apply to me and I think wtf are they thinking? I try and not post things like that because I don't want to ever offend someone I like, but other people just don't seem to have that consideration.
Other then one person I know for sure of, do I have any friends? other then my kids and parents and that one friend is there anyone who just likes me for me and wants to be friends with me and is able to wish me well? i just don't know, sometimes it doesn't appear that way.
Maybe I should delete the people I don't find genuine but then I wouldn't have anyone on my page really... it is just troubling. I wish I was a person surrounded with people who love me and really wish me well, and a husband who loved me and was honest and a best friend to me. Instead I just run into people who are transparent, selfish, gossip too much, are people I just don't respect people who can't be a friend to anyone else cause they are too worried about keeping up with the Jones' or are so self involved all they see in every accomplishment one person makes is something they feel they should have been more entitled to. 
It makes me sick, it makes me sad and sometimes I wonder what kind of place is this?
Or is it me... 

Monday, February 6, 2012

Why aren't people nice anymore?

I just find it so discouraging, after constant dealings with people in different fields of work to always have things come down to the same bottom line. They almost all seem to have that 'Me First' attitude, no one will help you unless it directly benefits them.
I have actually seen people go more out of their way not to help when just helping would have saved them time and energy, what is the point in that? Where are people's morals?
I really always try and find the best in most bad situations and I can almost always find a way to put a positive spin on ANYTHING. But in my heart, deep down in side I am losing faith in human kind. The good people are so sparse.
Here are some examples, lets start with my most recent experience. I purchased a car from a buy here pay here place---> Living Stone auto group in Easton, PA. I researched and could not find one bad thing on these people, so I went in with high hopes and the man was very well versed, he sounds like a stand up guy. Of course he tells you he is a stand up guy about 50 times in a half hour conversation mostly geared at listening to him talk himself up.
I go take the car for a ride, I had him drive so we could pay attention to noises etc plus I am not familiar with the area. He puts on the heat and talks non stop on the whole test ride.
I go all in and buy the car, gave him all my money $2,500 down with 6 references, then paid my taxes etc . My monthly payments are $275 for 20 months.
I go home park the vehicle and I was off from work the next two days, on day 3 I go drive the vehicle to work, come out of work and turn it on and the check engine light comes on. I immediately take it to my mechanic - he says it has to do with emissions. Not to worry I will just have to fix it before inspection, two days later the abs and brake light come on and stay on and I notice the heat does not work in the rear seats section, also my front heater only works on high and the passenger side window can only be operated from the driver side. Hmm ok well lots of little annoying things, so I take it to my mechanic he clears the code when he checks the check engine light but didn't get to see why the brake light was on and now it was clear so now I have to make it there in time when the light is still on, that would be interesting to pull off because it goes on and off. He fixes the heater issue and does an oil change per my request $145.
Now comes the next month, I make my payment and a week later I notice it is leaking anti freeze. So I take it back to my mechanic and it is a hose, a big hose that ends up costing me 2 days work (since I had to stay home while it was in the shop) and $208 and although I did get a warranty it does not cover any of these things thus far.
Now here we are, two weeks after this last repair and now the radiator is leaking from the front of the vehicle.
Okay now I am mad, I have been vocal with the man who sold it to me but he seems so full of shit I just say Okay and move on, his response (regarding the abs light's)was 'let me get you the part at a discount rate' what good is that? ok so you are going to have me drive there to give you money to get me a part then drive to my mechanic and drop it off .. and pay him anyway to put it in? I see that as more of a hassle.
This time however, I went a little further, I told him I no longer want this vehicle it is not reliable and it is just way to problematic. His response is that I am 'attacking him' and that he refuses to help me because I was not very nice to him, that at this point I can fix the car myself or give it back. Of course if I give it back who wins? and if i fix it who wins? Him.. and oh yeah HIM.
Instead of understanding my right to feel frustrated and to be upset he attacks me back by telling me he washes his hands of it, no really I did not expect much more from him. He says that he was willing to help me get a part last time at cost ooooh gee really that is so kind of you sir.
This man, is the prime reason of why I will never trust a car sales man. EVER. Sweet talk you, tell you (and believes it himself) how great he is and what kind of good person he is but then washes his hands of the lemon he sold me, I know it was used but come on from day 3 it has been nothing but trouble. He expects me to believe he did not know about the codes? he did not clear the engine code or brake codes? they came on the first time I really drove it, I find that too coincidental.
I know he may not have known about the radiator (but I am not 100% he didn't use stop leak) but I find it repulsive that he instead chooses to shift the blame and refuse to help me because I was 'attacking' him. Grow up - Of course I was angry wouldn't you be angry too, one thing after the other and no one who cares.
Instead of saying okay, let me take the vehicle back and let me get  you something else and we are even he instead says fix it or return it I already got most your money.
Disgusting.
So I plan to just drive it and hope for the best, I will keep anti freeze on me until I find something else then he can have it back and use all the money he got for it for free to fix it up and resell it. He will face karma one day. I have to just let it go and do what is best for myself and my family, I refuse to keep sinking money into this mistake.
I was then talking to my daughter about getting her hair cut and we were talking about if they would consider her hair long, her hair is about shoulder blade length and I said I consider that medium length but if you go to a salon they will tell you it is long and charge you extra to cut it lol cause they are all scam artists, just like car salesman.
I am now filling out a application for pre-k and I have to send them $50 in an application fee - really? Another scam, what is that $50 for? they aren't checking into anything background wise - they are not using any of their resources.. this money does not come off my tuition when she starts, it is not to hold a spot then when she starts they say ok here we will apply it to your tuition. No they just pocket it, a bogus fee just to take advantage of people.
I am so tired of people getting over on other people, where is your conscience? where are your morals? Where is your dignity? What is wrong with people?
I think sometimes, that you never know people even if you really think you know someone. It is what they do when they think no one is watching that tells you who they really are, I cannot tell you how many times I have set people up and found them to be really just disgusting people. Behind a computer they can unleash their darkest desires and no one will know.
I say put spy software on your computer and find out who you are really dating, put hidden cameras in your house and see who is really cleaning or babysitting in your house.
I hate to have to feel this way but I have yet to be proven wrong, as much as I always try and find positive in a negative situation I cannot find the same in the people I interact with, if there is not something in it for them people are rarely interested. The ones who are, usually want to pat them selves on the back, they will make sure everyone knows they helped you out, or they want everyone to know they donated to a cause or held the door open for someone.
We all do it to some extent and this way that I have of analyzing people and judging situations makes me a person who always hopes for the best but expects the worse.
I will always probably have one best friend and a ton of 'associates' and will probably never get married.
Realist --- maybe, bitter -- no.
Sometimes I wish I could really be wrong, just once in a while.

Monday, January 9, 2012

Possible career moves

I have been giving a lot of thought to my life, my financial situation that is becoming very exhausting and the future for my children and myself.
I always look in the paper or on Craigslist and just read through ads looking for something "I can do" ... and I am thinking that is my problem, instead of looking for jobs I can do I would like to search under one category. One profession.
My dilemma is there are not enough hours in the day, I hate to leave my kids and I have never been much of a 'school person'. So I need to find something short and sweet.
I considered a license in real estate, problem is I am not a sales person at all. I do not have that personality and to be honest I don't want to. I would like that field because I love looking at houses, and I would enjoy working with people to make a dream of theirs come true.
I just cannot do that as an only job, I cannot rely on something that inconsistent either.
So I found another option, that I was shocked to find out is not much schooling at all, dental assistant. I am very excited about this potential career. I looked around online and in the paper and I do see a decent amount of ads for dental assistants, so that is great. I also noticed a lot of them are part time- perfect for my kids and myself. The pay seems decent as well.
I found two local schools - they are over $2k in tuition though, and this is where we hit a brick wall. There is no financial aid because it is not a degree program. So now I am on a mission to talk my parents into taking a loan for me, I believe this would be a terrific opportunity for me. I have given it a tremendous amount of thought, I know if I go this is something I will definitely need to pursue. I am confident I will give it my all.
I will be back to post if I get the funding lined up and how it goes.! Lets turn this year into the turning point in my life.

My First Mammogram...

So, I am 35 and my doctor recommended me to go for a baseline mammogram. I was a little intimidated by this whole idea because for as much as I am on top of the kids appointments, I tend to really dread mine. I do go through with it though because ever since having skin cancer, I know that something I had thought to myself was 'nothing' can really be something so everything needs to be checked in order to be proactive in maintaining a healthy life. Who knows what would have happened if I didn't mention that little mark on my ankle that I originally thought was a scar I got while shaving.
So I looked around online to get an idea of what to expect, and even after reading everything I still had a little anxiety so chose not to really think about it, just to go about my day like nothing and go through the motions - go to the appointment without giving any thought as to why I was there, so I couldn't get myself all worked up.
I had a vision in my mind of it being this bright white room, with myself and a machine in the middle and my boob being put in a clamp and squished while doctors watch from a plastic clear window. Silly I guess but that was what I had envisioned.
I arrived at St.Lukes north and was taken right back to the radiology waiting room, I first had an ultra sound (it was a great day as you can tell lol ) then I was brought back to the waiting room, the nurse came and got me and took me back to the changing room. It was there I learned that I should not have worn deodorant, she did not mention it to me but I read on the wall that we needed to use the wipies to remove any deodorant. I took a wipie and tried to scrub it off my armpit because I tend to be a little heavy handed with the deodorant. I think I got it all off. Then I had to put a little mini gown on that just came to my waist and left the open side in the front.
She came back for me pretty quickly, we went into a small room (no big white examining room) that had a pretty large machine taking up the middle of the room. It had clear plates on it that they use to compress your boob. She had me take off one side and she took my boob and put it on the platform of the machine then turning a knob adjusted it to be snug on my breast, which was nice. I thought the machine automatically adjusted itself down on my breast. She took a pic then re adjusted and took another from a slightly slanted angle. In the end it was two shots on both sides, then she went back for 2 more which was one on each side and tried to get as much of my arm pit area inside of it as she could.
It was pretty fast, it was definitely pain free. I think most women avoid this because of the awkwardness of someone situating your boobs like that - but after 3 kids I am not really bothered by it. Other then that I cannot see why people make these out to be so horrible.
I would get this over a pap test any day.
So my results where at my house on the 2nd day after the test, I was given a clean bill of boob health and they recommend one next year, I am assuming because people in my family have had cancer (although not breast cancer) so they want to be on the safe side.
I will discuss this with my doctor next year and if she agrees, I will go again. No big deal.
Easy Breezy - Just don't wear deodorant lol