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Tired of all the Bail Outs

Saturday, October 23, 2010

I read Foundagain's blog about rights and what has happened to them.

It gave me the courage to blog about something else going on in this country that has made me angry. I am not saying this against any one and I hope that this doesn't hurt any one's feeling.

I know that many on this site have been helped by all the stimulus plans going on right now, but, and here is where it gets sticky. I am not unfeeling for people who are being foreclosed on because they were talked into a mortgage that was not a good idea (I am talking about ARMs). I know they were given bad advice in order to sell larger houses that they really could not afford.

I will sound like I am whining but I am tired of all the bailouts going on. I am sorry if you lost your house because interest rates went up and so your payments went up. My husband and I bought a house we could afford with a fixed mortgage rate that was with a payment we could afford. I make payments every month and in 20 years will pay it off.

Now there are programs for people with credit card debt over $10,000. Again, I was responsible about our debt and while it took several years, I have paid most of it off. Only one credit card is not paid off each month now. Our cars are used and several years old.
No one helped us do this. We made responsible decisions and through going without at times to make payments. I worked two jobs when my husband was out of work to make ends meet. Yes, i know that it is hard to find work right now.

I guess I am wondering how much longer people who are making house payments, paying off credit on their own can continue to carry the debt that this country is piling up right now.

I heard a story on the news last night about a woman who was able to negotiate a new mortgage rate on her house because it was being foreclosed due to her not being able to make payments. Her payment went from $1.800 per month to $600 a month. Her neighbor who is making his $1,800 monthly payment is still paying $1,800! How is that fair? I know life is not fair, but is it really helping?

I hope that I have not offended any one. If I did, I apologize. Person by person, helping is a good thing. When it is added up, our grandchildren will be paying off the debt.

I don't have any answers to these problems. I wish I did. I know I am thankful for my job, even though my pay has been cut by furlough days, my cost of health insurance is going up with higher co-pays and higher deductibles. This recession is costing all of us.

I join with Foundagain in asking people to vote next month. Research what the candidates want to do (if you can find out). I will vote. If you don't vote, in my opinion you can't complain about what happens.

  
  Member Comments About This Blog Post:

CATHY1970-1 10/24/2010 10:42AM

    I totally agree.

I am a Real Estate Law Clerk and deal with people every day that are refinancing or consolidating because they can't afford the payments on their mortgage or all their credit cards.

I see people that owe property taxes dating back 7 or 8 years and have all their credit cards maxed out who own BMWs...seriously if you are that much in debt sell your BMW...buy a small affordable car. Do you need 14 credit cards? I manage with just one. A Visa. Ok wait, I also have an HBC card that I never used.

I make my payments every month. I pay my mortgage, property taxes and bills all on time. I don't have 6 outstanding lines of credit with various banks.

People like this drive me crazy and they all look to me like I should feel sorry for them. Stop spending money you don't have. Cut up your cards and pay your bills.

Why should we make it easy for you? Nobody is giving me a break for paying on time, why should you get a deal for not paying at all or paying late?

If you loose your house/ car or whatever that's your fault not mine. Maybe you will learn something from it.

I think that we as parents should be teaching our children about money and spending and saving and that it should not all be left up to the school system. We need to address the issues at home first. My son almost 9 now. Broke his DS in November last year and saved his allowance and any extra money he earned for chores until he had enough money to buy a DSi ($179 in case you are not familiar). He treats that game like gold. I teach my kids how much things cost and they can relate that to how many allowances or how many chores they need to do to buy those things. I also teach them about wanting and needing an item.

LOL...sometimes I tend to vent a little more that I planned! I do tend to be opinionated!



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LAURELSPARK 10/23/2010 11:54PM

    I agree with most of what you said. I'm a little worried that the money that we have saved will go up in smoke by the time my DH and I both retire. I feel bad for the kids getting out of school with college degrees who cannot find jobs and who will be paying for "our" mistakes.

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BUBBLEJ1 10/23/2010 11:42PM

    I agree. I'm very big on buying only what you can afford; no borrowing, no debt. Obviously I will get a mortgage when I buy a house, but I think that is slightly different. Student loans are also different, as you are paying for an eduation not something like a new car. And student loans are interest free here! If someone is in debt it is their responsibility to get out of it. Tough love. An example, my boyfriend owes his parents $5000. His problem, not mine. In our budget he gets a set ammount of money a week and it is his responsibility to either spent it on junk he doesn't need or pay back his parents (or his massive phone bill, but that is a different story). I didn't aquire this debt so I am not gonna bend over backwards to pay it back.

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TRISHP1961 10/23/2010 10:24PM

    I think a big part of the problem is that we don't offer our high school students any information about personal finance. We are so busy making sure they know algebra and geometry so they are ready for college that no one teaches the young people how to budget, or even balance a checkbook. Debt seems to be a necessary evil. I have some friends that never even attempt to get out of debt. Making the monthly payments while acuring more debt seems to be an acceptable way of life for them.

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OLDERDANDRT 10/23/2010 10:23PM

    I have to agree with you We've made bad mistakes financially along the way and we finally got out of credit card debt and our house is paid for. I saw that news report, too. All I can say about that is that if she can negotiate lower payments, everybody in that predicament should try it! If folks are in danger of losing their home, all that can happen to them is that is actually happens or they may get a nice reduction in their payments. Only trying will tell.
I fully agree that our grandchildren and generations beyond will be trying to pay off these debts. It's awful!!!
So, in a nutshell, I like your blog and agree!
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The Story of My Cats - Now With Pictures

Friday, October 22, 2010

Several friends have asked about my cats. I will tell the story.
The older one is nine and is a tuxedo. Her name is Ananya and she was found as a kitten with two litter mates under a shed at my son's marching band field. Now the adults knew that if we all left them alone the mama cat would move them during the night, but try telling that to teenagers. My three children begged to take one. At the time we didn't have any pets. I left it up to my husband to answer knowing that he would say no and to my surprise he said yes! Well, the kitten was so young, she was still nursing.

When I took her to the vet to be checked out, we found out that she was about three weeks old! I had to bottle feed her every three hours, teach her to use the litter box, and raise her as an orphan. We did well as she is now nine years old and doing very well. She is the bigger cat in the picture on the top of my page.
The following summer, I felt sorry for her being left alone in the house all day while every one was at school or work every day. I saw a black cat that the shelter said was about three months old and found wandering around an apartment complex. I adopted him as a companion for Ananya and named him Max.

Max is eight and is not a sociable cat. He is very territorial and hisses at people who do not live in the house. He actually taught Ananya to purr (she didn't before we got him). He talks all the time. I think there may be some Burmese in him. He has a Siamese type face while Ananya's is round. He is the one who makes sure someone gets up to get breakfast on the weekend, and asks (begs) for dinner from the time I get home until dinner time. He loves to cuddle with me.
Ananya is the Princess and will sit and stare at the love seat until my husband comes in to watch TV and then she will "mer" (where have you been, I have been waiting), jump up on the loveseat and get her petting time. She doesn't like to be cuddled, but she loves to sit with you while you pet her.

Well that is the story of my cats. As you can tell in the last picture, they are best buds.

  
  Member Comments About This Blog Post:

CUSTOMERANGEL 10/26/2010 8:29PM

    Love cats I have 2 they are my angels with fur!!!!! Thanks for sharing emoticon

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TAMMYTH64 10/23/2010 9:37PM

    Love cats but I'm severely allergic. What a great story! Adorable!

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MYRTLEBEACHWINS 10/23/2010 10:44AM

    Awwwwwwwwwwwwwwwwwwwwwwwwwwwwwww!!!
!!!!!!!!!!!!!!!!

Comment edited on: 10/23/2010 10:44:29 AM

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LAURELSPARK 10/23/2010 7:57AM

    I love cats...............but, I'm allergic and have not had one since my early twenties. We had a Siamese cat adopt us for a few years and he was a riot. He loved to ride in cars (isn't that unusual) and cat around all night.

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Comment edited on: 10/23/2010 8:36:21 AM

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FLUFFYFLOUNDER 10/23/2010 4:48AM

    Awww thats great! We have 2 black cats. They are sisters Sophie and Jezzie. They are like our children. Spoiled rotten! They dont like to be held but they like to be loved on. If you dont pay attention to them they will take there little hand and pat ya on the arm or back and look at ya till you rub them! They know where there treats are and look forward to there daddy giving it to them. They pester ya to death to ya do too! Oh well gotta love them!!

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SUNFLOWERGAL40 10/22/2010 10:44PM

    They are beautiful!!! emoticon

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KRISTEVEN1 10/22/2010 9:16PM

    Ananya and Max: Aaah, cats, they make a house a home.

Growing up, I was always a dog person -- terrified of cats. Four years ago, my two children convinced me to rescue an 8-week old kitten that had been abandoned. We named him Louis. Now, I will probably end my life as one of those "crazy cat ladies". Can't imagine a home without a cat.

Kathy (Louis's friend)

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ANGELBELIEVER 10/22/2010 9:14PM

    Great story. Thanks for telling it. They are both beautiful. I had a tuxedo cat when I was growing up named Midnight. we called him Micky for short and he knew his name. He lived to be about 12 I think. emoticon

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GOOZLEBEAR 10/22/2010 9:13PM

    I love hearing about your kitties and how you came to adopt them, what a wonderful story! They are beautiful!!! That is funny that Max could actually teach Ananya how to purr!!! Cute!

Have a wonderful weekend and hope you get to relax some!!!!!

Hugs

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Calling Members for Bread Anonymous - like AA only for Bread

Thursday, October 21, 2010

I have learned that I am addicted to carbs - bread in particular. I have been following a low carb diet lately and Monday had stew. I want bread with stew and before I knew it, I had eaten 5 slices! Didn't even realize it. Then Tuesday, I found myself eating goldfish crackers out of boredom. Blood sugar showed it today. Now, I have eaten baked potatoes and didn't have this happen. I think it is the bread. I may have to give it up totally for a while to test this theory.
I went without it for two weeks and didn't miss it at all. Then bam! That first piece on Monday blew up into I don't know how many slices I have eaten this week. I need BA (bread anonymous)! I need professional help! I have eaten over my calorie range because of the stupid bread. This has not been a good week, but I am not going to beat myself up because I learned that I just can't eat bread, potatoes are okay, not sure about pasta yet. So I am going back to no bread and see what happens over the next few weeks. Updates will follow.

  
  Member Comments About This Blog Post:

CLAIREMZM 10/22/2010 10:33PM

    I've been feeling that way about cookies lately! I hope not eating bread works well for you. I agree with the one who posted that you could use a twelve-step program to help you.

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RAYLINSTEPHENS 10/22/2010 9:23PM

    Hello, my name is Linda, and I am a bread-aholic!

It compares to any addiction - a taste can lead to a binge.

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ANGELBELIEVER 10/22/2010 9:18PM

    I like bread too. I have to be careful when we have Cuban or French bread which my husband loves and could eat nightly. I like it too and have to really be sure I don't over eat that. I have to weigh it out first or else! I do like some of the 45 calorie breads too. That's not so bad. I agree, I may look ingot Bread Anonymous. I like that and can use the 12 steps as I am very familiar with 12 step programs.

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OLDERDANDRT 10/22/2010 12:23PM

    Sorry about the bread ordeal. I like it well enough, but no longer the way you do. My sister used to kid that when she got old and tottery, her girls would have to install a bakery so she could eat her fill of daily, fresh-baked bread and rolls and pastries! lol (She was just kidding, but she's got it bad, too)hehe!
Calling in Bread Anonymous is cute. So maybe you could use the same kind of 12 step program that the AA uses, only for bread! Couldn't hurt!
Good luck !!!!
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GOHUSKERS2 10/22/2010 5:52AM

    I fyou find you can't totally give it up, try Sara Lee's 45 calorie bread. It comes in 100% whole wheat, multi grain, etc. I'm a bread lover too so I understand your problem. My downfall is sandwiches, so if I use this bread, and it is good, I can still have a sandwich for only 90 calories. Pasta is my trigger and I do love it, but it can make my blood sugars soar. Good luck with this problem. I hope you can find a solution or at least a happy medium. Take care!

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MYRTLEBEACHWINS 10/22/2010 1:09AM

    Amen sister! Me too. I have gotten a little better with eating only 100 percent whole wheat bread. Now I want toast. I actually trashed my toaster many years ago due to eating way to much of toast. I just recently replaced it but not sure if it's going to make it much longer at my house.
Keep us updated on your tests with the carbs.

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BUBBLEJ1 10/21/2010 9:31PM

    Oh, bread. I avoid it because if I bake it or buy it then it gets eaten.

BTW loooooove your background pick. Looks just like my little man!

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GOOZLEBEAR 10/21/2010 9:08PM

    Oh, I too love bread so I can certainly identify with what you are going through. I will automatically reach for bread to make a sandwich at lunch instead of looking at other options. I will be interested in knowing how it goes with going "cold turkey"! Good luck with this and maybe we should start a "BA" team!!!!! emoticon emoticon emoticon emoticon

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PURPLESPEDCOW 10/21/2010 9:00PM

    I thank everyone for their comments. I really mean that if I start eating bread, I can't stop. It is like eating chips or something. I do use the reduced calorie wheat bread, but it doesn't help. Like an alcholic, I can't stop at a normal serving! So I am going cold turkey.

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AMAS92568 10/21/2010 8:51PM

    I know what you mean. It's hard to pass up on good bread!

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TAMMYTH64 10/21/2010 8:49PM

    Thank goodness for Light Wheat Bread! It's like a 2 for 1 deal! 2 slices for 1 carb choice (18 grams of carbs minus 6 grams of fiber). Totally awesome! I can actually eat a whole sandwich.

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MMNICKS 10/21/2010 8:19PM

    Oh God, nothing tastes as good as a great slice of Italian bread. Luckily, I live in a part of the country where you can't get really great bread, so problem solved!!!

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REBECCAMA 10/21/2010 8:01PM

  I am also a bread addict, and I love pasta too!! I have switched to eating a light wheat bread. It doesn't taste as good as regular bread but 2 slices have the same calories as the regular bread so it helps.

For pasta I have just been trying to use portion control, skip the cheese, and be very careful about the sauce. I've tried some of the lighter sauces and that has gone okay too.

Potatoes aren't a problem for me. I can take them or leave them usually. I was hoping to get away from eating french fries and chips, but I still have them occasionally. Not as often as I used to, but they are still in my meal plans.

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GOROSIEO 10/21/2010 7:33PM

    I'm right there with you. I have always just loved bread. My girls kid me about it.

I've been trying to reduce carbs also. I have been trying to eat a bread type carb only for breakfast. When I eat carbs it seems to make me just want to eat more food and I feel a little sluggish.

Hope it goes well for you.

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MISS-MELISS 10/21/2010 7:32PM

    I have read and completely agree that carbs are addictive. I would be curious to see if you experience "withdrawl" symptoms by not eating bread- mainly agitation. On a positive note, I have also read that the first week is difficult but after that you will not "crave" it anymore. Good luck!

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New Goals

Wednesday, October 20, 2010

I am listing my goals for November and December now so I will know them and live them for the rest of this year.

1. Stay positive in attitude.

2. Eat within my calorie range, staying on the lower end where I tend to do better.

3. Exercise 30 minutes a day at least five days a week.

4. Keep my blood sugars down where they are right now- before meals under 120.

5. Increase my fiber intake.

I think these five will make sure I don't over indulge during the "season of feasting", commonly known as Thanksgiving and Christmas, or just the Holidays.
Telling my Sparkfriends helps to keep me accountable.

  
  Member Comments About This Blog Post:

OLDERDANDRT 10/21/2010 11:59AM

    emoticonand remember.... emoticon!!!!
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Jayne

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TAMMYTH64 10/20/2010 9:52PM

    Great goals! You can do this! Keep up the great work!

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COOLMAMA11 10/20/2010 7:25PM

    Great goals, I find it does help to put them down, That way it makes them real, and the committment has been made..Good luck to you!

Hugs
Elaine emoticon

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MRS.PRINCIPAL 10/20/2010 6:57PM

    These are great goals! Way to put them in writing! I know you will meet them.

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CJKOMODO 10/20/2010 5:45PM

    I know you can do it!

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LAURELSPARK 10/20/2010 5:23PM

    I like your goals. I find that simple and direct goals are easier to meet. emoticon

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GRAMPAM 10/20/2010 5:04PM

    Great goals! Stay focused!

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Examing My Life

Tuesday, October 19, 2010

A team challenge today was to examine my life and see if I like it or if I needed to make changes.
My job: I love my job. I know some days are very hard but the rewards are so great when children finally get something or their behavior improves. I will continue this job as long as I can.

My life: is good. I am employed and have very little debt. I enjoy doing what I do and while I am not a "life of the party" girl I enjoy the friends I have.

My family: everyone is healthy. That is very important to me. I try to keep them that way. I enjoy being friends with my children now that I am no longer raising them (because of their age-they are all adults). I have a beautiful granddaughter. My two sons-in-law are wonderful to my daughters and I couldn't ask for more.

My health: well I am working on that aren't I. My blood sugars are under control and while I complain that I don't weigh 130 anymore, I don't weigh over 200 any more either. All my important numbers are good and my doctor is happy.

My future: is bright and I will try to leave by the rule of 80/20, stop whining, and be happy to have the life I have because it is good.

  
  Member Comments About This Blog Post:

SUNFLOWERGAL40 10/19/2010 9:31PM

    Well said! You passed with flying colors! (What does that expression mean anyway?) LOL emoticon

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TAMMYTH64 10/19/2010 7:19PM

    Sounds like you passed your exam with flying colors! Love it!

emoticon Big Hugs!!! emoticon

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TBRUGH78 10/19/2010 6:54PM

    I think that is wonderful that everything is your life has fallen into a wonderful place! I wish you many more wonderful blessings!
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-Tara

Comment edited on: 10/19/2010 7:00:54 PM

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MYRTLEBEACHWINS 10/19/2010 5:33PM

    Now your talking! Words of truth! Just think how much you will enjoy the upcoming holidays with your family and friends. You have you body, heart, soul and mind right where it needs to be. God certainly has bless you my friend. Now wear His smile.
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ZANDASMOM1 10/19/2010 5:10PM

    Sounds great!!!! Looks like everything is in check!!!!

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WGALE13 10/19/2010 4:56PM

    I am so glad to hear things are good for you! Keep it up and continue to prosper!!

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