Wednesday, February 23, 2011
I am not having a good day at all!! My espresso machine died yesterday which left me drinking regular coffee with skim milk. I've been drinking espresso daily for three years and the coffee just isn't cutting it. I am mentally stressed just from that alone.
Second I have the morning off work so I can get to my doctor for my quarterly med check. Guess what??? I was an hour late!! Somehow I put the wrong time in my calendar. Needless to say the Dr. was in a staff meeting so I had to reschedule for MAY!! Which I will now have to take another couple hours off for.
Third my mortgage payment is seriously delinquent. I am one of those unfortunate ones who has done everything to try and get a modification but does not qualify. I was given a trial payment some months back. I made all payments in full and on time. Because I was denied for a modification my timely payments were now considered partial payments!! So now I'm even further behind.
I finally worked up the courage to call the bank AGAIN to try and plead my case and see if there are any other options. I finally get a human on the line and he tells me that there system is down PLEASE CALL BACK IN HALF AN HOUR!!! My financial situation has taken a turn for the better and I could start making my normal payments again. It's scary though because the bank sent me a letter saying if my back payments were not made in full they would start pursuing the matter legally. I just keep thinking "should I just save my money for a security deposit on a new place" or "take the chance of sending the money to the bank and lose my house anyway". Rent in my area is more than my house payment. I really don't know what I'll do if I can't keep my house. I have one son who will be a senior next year and another boy in 4th grade. I can't move out of this school district.
I'm so badly wanting to resort to stuffing my face but I know it won't do any good and it will just make me feel worse. I can't go hit the treadmill because I have to leave for work very shortly. FML!!!