Bank of America should really change their name

...or maybe not, because this is the country that allows them to carry on the way they do. I loath this bank. I did not choose them, they bought my mortgage from another bank and they have the most underhanded way of doing business.
A little background, I lost my job in 2008 and since then I have only been able to locate temporary or un reliable work. I have 3 kids, and I am single so of course I try and find a job that works around my kids.
I applied for a modification for some temporary help because even the jobs I had been finding paid me a quarter of what I was making before.
I got declined for MHA after a year - That's right a YEAR of going back and forth with Bank of america ( I will refer to them as BOA from here on out) they kept claiming to not have all the paperwork or that the new person who had the paperwork needed something different etc etc .. constant headache.
So they decline me because they said they would have to lower the mortgage down so much it would no longer be beneficial to them, they would not profit enough.
So they offer to do an in house modification, so I asked them does the fact that I do not work play a part in me getting approved and he told me no, that doesn't matter. One would assume, unemployed people are the ones who can't pay the mortgage due to the lack of employment. If I had a job and a good amount of income I would be paying the mortgage.
Now I applied and sent allll the same paperwork again for the 28th time. After the man went on vacation and took care of everything else, he finally got back to me to let me know I was declined due to not having a job.
Big Surprise.
Now here is the part where this bank gets lower then they are normally known for. When you apply for a modification they require you to establish escrow. Of course I was past due on some taxes because I really was limited on income. So they paid all the taxes. Now here we have a person who couldn't afford the regular monthly payment, and BOA decides they cannot remove the escrow to allow me to pay it separately. No they want to attach it to the mortgage so the mortgage increases $230 monthly. Just what a person who applies for a modification needs, a higher payment !
If I went ahead and sent them what the payment was before the escrow they will not apply it to the loan until it equals the amount they WANT (so the $230 more).
Now here you have a person who is already down getting kicked by this bank - but it gets better.
So they told me the change would take place May 1st, so I am here trying to get the last couple payments at the lower price together before this increase. Well... BOA decides NOW that they are going to make this change of monthly payment 2 months retroactive. So now I am way past due for a substantial amount.
Had this bank been upfront about the escrow being a permanent thing if i got denied for the modification I would have not even applied. I would have slowly paid my taxes back on my own terms and just stayed with my regular mortgage payment.
Now I am paying last years taxes, this years taxes and paying into escrow for next years taxes on top of my mortgage payment I was already having trouble with.
God Help me, because BOA surely has no intention on helping anyone but themselves. They see my house is valued at more then I owe so there is no incentive for them to give a shit.
I now have an appointment with a credit counselor to see if they can point me in any direction other then homelessness.
I just wanted to write this so if anyone is out there about to apply for a modification they know what they are getting themselves into.
If you are working with BOA - do not .. I repeat DO NOT trust them, go to a counselor and let the counselor do your application this way they can't screw you out of your home. I have read story upon story of people being told to make payments and then they foreclose anyway or they tell people not to make payments then they foreclose after they told the people they were on a forbearance.  
This bank is horrible, the government should really take back any help they gave them cause all they did was give their employees bonus's and raises and I have that info first hand.
They are not applying it to the people they are suppose to help.

Hello again!

Well now let's see, I am slowly eliminating my late night snacks and some of my glasses of Ice Tea from my diet. I also seen an infomercial for DanceX workout video, I got it in the mail yesterday and did it today. I figured that the kids could dance with me since they love it, it would make it better then having to put the child fence up and put them in the next room to watch but not get in the way. Well I did it for about 8-10 mins and for some reason it just didn't hold me .. I don't know what it is but something about most work outs that just either bore me or something. So I put it away.
Might send it back for a refund If I can, I am just not seeing this get any use.
I just popped in my Basic Tae bo - that is right old school tae bo the first video that came out, I had it when it first came out and used it to death so I went on Ebay and got a fresh version. I just popped it in and did the whole video. I guess each person has their own personal thing when it comes to working out but for me it seems like Billy Blanks will always be the one. He keeps me interested, challenged but not dying, and motivates me. He reminds as soon as I start to loose that good posture to hold my stomach in (almost like as if he can see me LOL) and I find his work outs rewarding. I remember when I did tae bo back in the day I seen results pretty fast too.
I can't hang with his new work outs even if they are the basic editions. I would have to work up to those but there are some I love and some I hate - however the ones I love, I really love.
Hats off to you Mr.Blanks for getting this fat ass to do a work out. Sure I have to do some of the move at regular pace while they do double time but at least I am doing it.
Okay so lets see if this is the beginning of something beautiful.
;)

I'm a fat ass

Well, I can lay in bed at night and envision myself doing all these wonderful things like, eating light and healthy and working out but when it comes to doing it - totally different story.
I just think, I fell out of love with myself. I am so into my kids and I don't have any interest in dating or even looking appealing lol so I don't even give a crap if I work out or not or if I look good, or if I even wash my hair for a week.
There is so much I plan to do but in the end, I lack motivation.
How do I get motivated? I just don't know..
Maybe this is because I am not really working right now, so being home all the time I don't have to get all fancied up so I just don't care.
This has to stop, I know if I can get myself into for a few weeks and find a time in the day that I can schedule to always do it without interruption I will form a habit and then it will be okay but how do I get there?
I wish I could buy a motivation pill.
I need to revamp my diet, I need to start making my portions smaller, stop snacking at night and eliminate the high cholesterol foods like butter etc.
Ugh, I guess I am just going to have to lay down the law...the spring and summer approaches and I would like to wear more then yoga pants everyday when my fat ass clearly does NOT do yoga.

Ready for a Parrrrrrtyyyy

So tomorrow is my baby girl Irelyn's first Birthday, I made her a Big top cupcake for herself and cupcakes for everyone else. I was shocked that it came out so good. I follows all the tips I seen online like spraying the molds with Pam but then I also just did a light dusting of flour, usually I use the pam with the flour in it for baking but I ran out. I also did the top for 35 mins then the other was done within 10 mins. I used a confetti cake so the bottom could be uniced and she won't be on sugar overload. I also made a filling with cool whip and sliced banana and used a whipped strawberry frosting. After I took it out of the oven I let it sit for 10 mins then put it in the freezer for 30 mins and took it out and got decorating, now it is finished and back in the fridge.
I have been baking for 4 hours! But I am finally done, now it is time for me to make some baked ziti and garlic bread yum!
I had a long week, I got some pain in  my chest so I had to go to a doctor and it is still there but she gave me something to control my stomach acid which might help, if not I have to go back. It isn't painful but more so annoying.
I had done alot of driving too this week between the kids visits with their dad and I had to court for a ticket I didn't get lol long story but it worked out in my favor which was great, just a misunderstanding about insurance and I didn't know about it until it was already a ticket thanks to the person who was driving not showing it lol ah well it is over now so that is great.
I am trying to stare at my kids as much as possible lately, it seems they grow too fast and I need to stare at them so it stops lol
Like Irelyn, I love that baby walk kids do when they first start walking, I love it LOVE it so I just watch her walk around, I also LOVE the baby babble... sighhhh if I were rich I would have a baby every 5 years I just love them endlessly, I could spend a whole day kissing their faces <3 ... amazing how much love I am capable of for my children but for other people it can be a little hard for me to even like them for long periods of time lol
Ok so I am going to add some pics here of the Giant Cupcake check it out

The week of New Beginnings!

Happy Friday!
Well this week I have been starting to potty train my daughter, it is going pretty good. I think what is making it go well is that she is ready and that makes all the difference.
Last week I had got some blood work done and everything came back good except I have 'mildy high cholesterol' so I am doing some research on how to get that in line. So far I seen that Minute Maid heart wise will be good,grape juice and benecol so I can make those adjustments and of course cut out some of the stuff like ice cream,cakes etc.
So my youngest got a new crib yesterday,she seems to love it. She had a mini crib before and it lasted her a year but she is a big baby so when she rolls over she smacks into the crib. I went online and ordered a really cute crib online that will allow her to use it as a toddler bed in a year or so.
I am getting spring fever, I went to Carters the other day and seen all the spring clothes and got SO excited - I am very ready for spring. I am also very ready for my tax papers to get here so I can file and see if I get anything back, this was a rough year with working then losing the job then working then losing the job, I am not sure I made enough.
Oh and how could I forget, I got my new Phillips sonicare toothbrush, it is the Flexcare line and has the UV Sanitizer with it and I read such great reviews on it. I took a before picture to see if it whitens my teeth like they say it does so in a week I will take another picture and see what happened. I am using Rembrandt whitening mouth wash in addition to the brushing so between the both I should see some change. My teeth are starting to show some staining from coffee and tea.
I will post again next week with a progress report. My teeth are getting sensitive from the mouthwash already but I know it goes away so no big deal.
Ok talk soon

New Year, New Outlook

Well, I am back.
I woke up in a strange way today, I feel like cleaning the Cobb webs off my ass and doing some things.
I am also dealing with some weird feelings, I am single and have been for a while. I generally have this feeling that relationships are over rated and not for everyone. Lately though, I realize the amount of personal friends I have is really kind of low as well. So either those relationships are over rated too or this has to do with me.
I know I am picky, I am picky with romantic relationships as well as  platonic relationships. I just don't like to be around people who I don't really trust or who I feel just don't gel with who I am.  I also have to be honest and say that I tend to be super anti social.
The only relationships I tend to care about or put any time or energy into is the relationships I have with my children. I also don't see anything wrong with that, but I suppose it would be nice to have a friend or two that I actually speak to. People to trust and raise my kids around.
Alot of this comes from the fact that some of the friends I did invest in, turned out to be a waste of time. I feel like friendships (as well as relationships with men) should not be hard, they should come natural and easy.
So anyway, today I decided to start my walking videos again. I am not going to hold myself to a strict schedule because I know that will back fire, soon as I miss a work out I will get down on myself and just dump the whole plan.
Day by day, I hope to restructure my life. Get myself in decent health, straighten out my financial issues and be the best mother, friend and person I can be.
Lets see what 2011 holds for me.

Feels like Autumn!

I so love this season, but it is a horrible time to diet lol everything pumpkin and delicious. So I have set aside the diet not that I was 'dieting' but trying to cut out sweets and all is just a waste of time for me right now. So instead I am just going to try and do my walking away the pounds videos a few times a week and after the holidays I might resume the food thing. I am thinking of joining something at that time like weight watchers.
Now I am on to finding a way to making money from home, I want to sell things on ebay but I prefer to sell something I like and I can stand behind rather then just grabbing a bunch of junk and selling it. So I am doing some research and hopefully can find some great stuff.
I am still considering joining avon or mark and selling that but as broke as I am I cannot afford to waste money buying into something that won't pay off.
So I will be back with good news hopefully and if anyone happens to read this blog and can offer some suggestions, I welcome them!