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TLN-NOW's Photo TLN-NOW SparkPoints: (28,191)
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4/6/10 9:17 P

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HI! My name is Mary. I applied for a home loan modification almost exactly a year ago. I am currently in my SECOND Forebearance Program with them, and on probation for 4 payments, at which time (again) they say that upon successful completion, I will qualify for and be sent terms for a home loan mod! I have reduced all of my utilities and put all my energy vampires on power cords that get turned off before I leave for work, and when not in use. I don't use my heater unless icicles are forming on the end of my nose. I don't own an air conditioner. I have to send the loan people evidence of my income every 2 weeks, and I'm supposed to send them my expenses. I don't think I've sent them my expenses in the same form twice in all this time. I'm just not very good at organizing it. Hence, it's almost tax day, too, and I've procrastinated until last week and am now scrambling with that too! I definitely need a central place where I can see examples and figure out how to organize on o' them thar budget thingamabobs that is easy to maintain, and easy to print out!

One problem that I've incountered here is that the budget is 'monthly', and I get paid bi-monthly. I find it distracting to see my monthly allotment of money when I know it's not really there.

Otherwise, I'm looking forward to exploring and learning here!

Hi fellow savers!

emoticon

Edited by: TLN-NOW at: 4/6/2010 (21:19)
myisleofentropy.wordpress.com



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CASIE43's Photo CASIE43 Posts: 192
3/23/10 2:17 P

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Welcome Debbie!!

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CASIE43's Photo CASIE43 Posts: 192
3/23/10 2:14 P

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Welcome Debbie!!

 Pounds lost: 26.6 
 
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FISHING88's Photo FISHING88 Posts: 3,156
2/26/10 6:57 A

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Welcome to the team, Debbie!

FLOWHITE1's Photo FLOWHITE1 Posts: 1,240
2/11/10 11:20 P

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WELCOME DEBBIE

 Pounds lost: 13.5 
 
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FISHING88's Photo FISHING88 Posts: 3,156
2/9/10 11:34 A

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Welcome to the team, Debbie!

AHEALTHIERME9's Photo AHEALTHIERME9 SparkPoints: (19,344)
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2/9/10 10:18 A

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Thank you, Maria!!!

I wish you all the best in this wonderful journey!

I'm sure we'll be chatting!

Take care. :) emoticon

For a good dose of smiles, sparks, and motivation, go to:

http://www.youtube.com/watchv=WdbC60BD
mw&NR=1

~ A healthy lifestyle has no limits or numbers. ~
SP_Coach_Nancy

~ The magic will be happening inside your body before it will show up on the scale." ~
SparkGuy

~ The last dejected effort often becomes the winning stroke. ~


 current weight: 301.4 
 
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MARIASPARKLE's Photo MARIASPARKLE Posts: 6,054
2/9/10 10:12 A

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Hi Debbie and welcome!
This is a great site and you've hooked up with a great team.
GOOD LUCK WITH YOUR GOALS!
emoticon

*♥)
..*) .*)
(.*♥Maria♥ *) Proud to be a non-smoker since 6th Feb 2008!!
..*) .*)
*♥)

(NEW) STARTING WEIGHT - 01 Jan 2012 - 169.4 lbs

MY REWARDS:
165 lbs - new workout clothes - DONE!
160 lbs - haircut - DONE!
155 lbs - new workout music - DONE!
150 lbs - new jeans
145 lbs is my goal - end July 2014!


 current weight: 154.6 
 
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AHEALTHIERME9's Photo AHEALTHIERME9 SparkPoints: (19,344)
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2/9/10 9:45 A

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Hi! My name is Debbie and I am ecstatic about this gift I just received in today's email to visit SparkSavings.com and to join this team!!! HOW FANTASTIC OF SPARKPEOPLE TO DO THIS FOR US!!!

I definitely will be using this site and partaking in this team.

Please come by my SparkPage to say hi!

Here's to being proactive in saving money and making our dreams come true! WOOHOO!!! emoticon

For a good dose of smiles, sparks, and motivation, go to:

http://www.youtube.com/watchv=WdbC60BD
mw&NR=1

~ A healthy lifestyle has no limits or numbers. ~
SP_Coach_Nancy

~ The magic will be happening inside your body before it will show up on the scale." ~
SparkGuy

~ The last dejected effort often becomes the winning stroke. ~


 current weight: 301.4 
 
301.4
282.3
263.2
244.1
225
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