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Hello Old Friend(s)

July 5th, 2017 at 02:38 pm

It has been quite a while since I have posted and I am sorry for that. Things have been crazy lately and I have been 'triaging' some of my priorities. I have quite a few updates and a goal to post much more regularly, so please don't mind the looonnng post.

I am writing this in a bit of a stream of consciousness, so bear with me.

*Short Sale on Townhouse (non-primary residence) is going slowly. The paperwork requires that we apply for a loan modification, although I will not qualify at this time (see bullet #2). Paperwork, paperwork, paperwork. Its a long and frustrating process, but I am dealing with it pretty well.

The mortgage company asks for bank statements, so I was incredibly annoyed to find a $1125 deposit from our previous property management company in my account last week. They accidentally applied someone else's income into my account (because of having the same last name). So because they couldn't figure out how to reverse the payment, I had to cut them a check to get it out of my bank account. They provided me documentation to send to the bank as well, since it was their error.

We actually have an offer on the house for the short sale, so hopefully we can present it to the bank soon!

*For the 1st time in my life, I am being 'let go' from my job. Its a weird situation - to save money, the company is pulling out of my state. They announced our site closure a little over a month ago and it will be closed by mid to late 2018. Different areas/people will be given 90 day notice at different times.

For my very specific and small job function team, we are currently starting training of employees in another state that would be the team taking over the work. Until they are up and running well, we would not get 90 day notice. Politics of the office - our bosses' boss hates our management team for various reasons and wants our state's site gone ASAP and has said as much directly to our group. Upper management said we'd likely go in mid 2018. She said, and I quote, her goal is "the end of 2017."

So that being said, we (my family) will lose my salary, my substantial overtime income and more at an undisclosed time. I have only been with the company 4 years, so my severance (after the 90 day notice) would be 8 weeks. The competition of 400+ people from my job site all looking for jobs at the same time is not worth waiting for that type of severance, so I am looking now.

I also am doing as much OT as I can to save up. My overtime is covering the rest of our normal household bills and my husband is using his salary to build an emergency fund in an account in his name only. This is his money as far as the mortgage company is concerned as he is not named on the townhouse mortgage and deed and they stated having his income in the calculations would be messy, so this is considered fine with them.

Once my job is being eliminated, that OT would not be able to be considered in calculations anyway, so saving a bit from it now is appropriate.

* Our baby girl is almost 2 and definitely not a baby. Things are changing day to day with her. She's feisty and fun. She turns 2 in August and we are planning a birthday party at home, keeping it very simple with friends and family coming over. Hotdogs, sides, cake. We have a very small budget, but a big set of guests. It should be perfect.

I already bought her 'big' gift for her birthday. An excellent used condition Strawberry Shortcake tricycle! Super cute and she will love it as her favorite thing to do is 'go outside!'. $12 out of pocket, can't beat it!

*We have made the choice to continue saving for retirement at our current rate. With my overtime, it increases significantly every extra hour that I do. We are very happy with the #s

* I joined Weight Watchers in late April. I really didn't get on the program until early May, but I am doing well. I have lost 24.2 pounds. I had some ups and some downs, but the overall loss is phenomenal to me. I fight against some thyroid issues and not having the time I'd like to incorporate a ton of exercise, so I am very happy with the results. My husband joined me in mid-May and is doing well too.

* Groceries/eating out/meal planning: Our grocery bill has increased a bit since we are trying so many new things/recipes. Our eating out spending has gone significantly down. Overall, the $$ is going in the right direction and I am getting to try a lot of new and fun meals!

Additionally, I have been packing breakfasts and lunches for work. That has helped with the WW and with saving money.

I have lots more to talk about, but those are the big things Smile

2 Responses to “Hello Old Friend(s)”

  1. ceejay74 Says:

    Wow, that's a lot happening all right! Sounds like you're dealing very well with the bumps in the road. Happy birthday to your little one!

  2. PatientSaver Says:

    Yes, wow, a lot going on. Sorry to hear about the job and smart of you to start looking for work immediately. Happy birthday to your little girl. I remember when you were still single! So many changes in your life!

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