There's some road blocks keeping me from moving forward and it's getting harder to deal with them. One of the road blocks is my servicing company, Litton Loan. Not only have they raised my mortgage payment, they are doing all they can to deny me a modification on that mortgage.
Despite HUD councilors and other financial aid workers stating that I definitely qualify for a modification.
The trouble is it could get even worse if I don't get this mortgage reduced and the 10.84% dropped soon. I will be losing some of my income in just a few more months, if I'm lucky, it may not happen for a few more years. But I am going to lose $355 in income soon, with only my SSI of $674/month left to live on.
The mortgage payments for now are about $570/month which leaves very little to pay for the utilities. It's also got to cover the basics - tp, foil, wrap or bags, all soaps, sponges, health care items, etc. Which I can't always cover right now.
Later it's going to be impossible unless I have that income replaced or I find a way to reduce or both. Currently, Litton says I'm 2 months behind on the payments - I say 1 payment, but it doesn't matter, they are always right. Even when they are wrong - they make you pay for it anyhow.
So that would be a total of $1,140 plus fees that I will have to pay. I'm trying to find some freelance work I can do via the computer online. I've done many things over they years, I've many skills and knowledge to tap into if I could just figure out how to use it online to make some money.
There are so many scams and so called "ez money" programs. There are guru's making fortunes online and offering tons of systems for others to learn. It would just be nice to have someone tell me one simple way to make money online and it actually work. Without waiting months, without studying ebooks and videos, without having to set up some complicated system that might make $10 in a few months. I want something that I can do a couple hours a day, that will bring in money regularly.
I don't want to be another scammer selling junk to newbies either. I want to feel good about what I offer and what I'm doing.
Another way that I could get out of this pickle I'm in with Litton Loan, is if someone buys the mortgage. That way I pay them and not Litton anymore. Hopefully I would get someone that will be fair and allow me the much needed funds to fix up the place. Right now, I can't afford to even fix the leaky sink faucet.
The amount owed would be more than what is listed on my paperwork, but the principle that's listed is $39,899.87 - the appraised value is in the $40's - though in 2008 it was appraised at $60k - at least its not "underwater" as so many other home loans are today.
I would love to get some property up north, VA, TN, WV, in the area of the Blue Ridge Mts. Something I have always dreamed of doing is getting a piece of land, have a place on it and live off the grid eventually.
I wouldn't mind having a DW put on and then set up a garden, creating a pond to stock and setting up ways to collect green energy. Wind, water, sun and thermal...hydroponics, water catch basin and more. I've missed living off the land and yet I know I'll still have to be somewhat close to some kind of store and bank.
Five acres would allow horses, which I'd need for a wagon or buggy. Mules would do too, but they tend to have some attitude issues. Chickens, goats, rabbits and a cow would be nice - if the bills are low enough then I could afford to hire a person to help out. I've a lot of knowledge on how to grow crops, comb wool and make money from the products and by-products produced.
Right now, the stress involved with living here and trying to scrap by just to survive is making me ill. It's also complicating other health issues. I know that somehow, I have to reduce the stress and make changes in my life that won't be easy. The problem is that I know I can't make them alone. I am going to need help to do the things that need to be done.
I'm thankful for all the help I've received already from very dear friends and from those online that are my cyberpals. Their encouragement and support are very helpful to me. This part of my journey has been very bumpy and rough. But I trust that somehow, someway that I will get past it with a little help from those who decide to step in to lend a hand. No one gets anywhere all on their own, we all need someone at some point to give us a hand up.
If anyone has any ideas, suggestions or advice - pass it on. I welcome any help of any kind, when it comes to helping my family get by, there is no reason not to ask for help when you need it.
Hope that your journey is clear of blocks or bumps, may your path be one of sunny days and warm breezes.
Take care and safe journey to you...Carp Diem!
Despite HUD councilors and other financial aid workers stating that I definitely qualify for a modification.
The trouble is it could get even worse if I don't get this mortgage reduced and the 10.84% dropped soon. I will be losing some of my income in just a few more months, if I'm lucky, it may not happen for a few more years. But I am going to lose $355 in income soon, with only my SSI of $674/month left to live on.
The mortgage payments for now are about $570/month which leaves very little to pay for the utilities. It's also got to cover the basics - tp, foil, wrap or bags, all soaps, sponges, health care items, etc. Which I can't always cover right now.
Later it's going to be impossible unless I have that income replaced or I find a way to reduce or both. Currently, Litton says I'm 2 months behind on the payments - I say 1 payment, but it doesn't matter, they are always right. Even when they are wrong - they make you pay for it anyhow.
So that would be a total of $1,140 plus fees that I will have to pay. I'm trying to find some freelance work I can do via the computer online. I've done many things over they years, I've many skills and knowledge to tap into if I could just figure out how to use it online to make some money.
There are so many scams and so called "ez money" programs. There are guru's making fortunes online and offering tons of systems for others to learn. It would just be nice to have someone tell me one simple way to make money online and it actually work. Without waiting months, without studying ebooks and videos, without having to set up some complicated system that might make $10 in a few months. I want something that I can do a couple hours a day, that will bring in money regularly.
I don't want to be another scammer selling junk to newbies either. I want to feel good about what I offer and what I'm doing.
Another way that I could get out of this pickle I'm in with Litton Loan, is if someone buys the mortgage. That way I pay them and not Litton anymore. Hopefully I would get someone that will be fair and allow me the much needed funds to fix up the place. Right now, I can't afford to even fix the leaky sink faucet.
The amount owed would be more than what is listed on my paperwork, but the principle that's listed is $39,899.87 - the appraised value is in the $40's - though in 2008 it was appraised at $60k - at least its not "underwater" as so many other home loans are today.
I would love to get some property up north, VA, TN, WV, in the area of the Blue Ridge Mts. Something I have always dreamed of doing is getting a piece of land, have a place on it and live off the grid eventually.
I wouldn't mind having a DW put on and then set up a garden, creating a pond to stock and setting up ways to collect green energy. Wind, water, sun and thermal...hydroponics, water catch basin and more. I've missed living off the land and yet I know I'll still have to be somewhat close to some kind of store and bank.
Five acres would allow horses, which I'd need for a wagon or buggy. Mules would do too, but they tend to have some attitude issues. Chickens, goats, rabbits and a cow would be nice - if the bills are low enough then I could afford to hire a person to help out. I've a lot of knowledge on how to grow crops, comb wool and make money from the products and by-products produced.
Right now, the stress involved with living here and trying to scrap by just to survive is making me ill. It's also complicating other health issues. I know that somehow, I have to reduce the stress and make changes in my life that won't be easy. The problem is that I know I can't make them alone. I am going to need help to do the things that need to be done.
I'm thankful for all the help I've received already from very dear friends and from those online that are my cyberpals. Their encouragement and support are very helpful to me. This part of my journey has been very bumpy and rough. But I trust that somehow, someway that I will get past it with a little help from those who decide to step in to lend a hand. No one gets anywhere all on their own, we all need someone at some point to give us a hand up.
If anyone has any ideas, suggestions or advice - pass it on. I welcome any help of any kind, when it comes to helping my family get by, there is no reason not to ask for help when you need it.
Hope that your journey is clear of blocks or bumps, may your path be one of sunny days and warm breezes.
Take care and safe journey to you...Carp Diem!
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