Jinx myself....

Well, it's a new Year, 2010...a new start....will it be good? or will it be bad? For the past 2 years I have been afraid of the New year...because for the last couple of years I have not had the best of times...But starting out this year I have been very VERY cautious...I take nothing for Grant it..

It's only been 8 days into the new year and a couple of things have come my way that are actually good..(.shhhhh...I didn't really say that) One is the other day I came home and on my steps was a FedEx addressed to me and it said it was from "Wells Fargo" my mortgage company and in it was a bunch of paper work offering me a small modification on my payments which I have been asking for....FOR THE PAST YEAR...the only problem is that the payments are still very high, they only dropped the payments by $200.00 a month and paying $1,614.00 is way to much for me because I also pay HOA of $250.00 ...This paperwork needs to be filled out and mailed in with in 10 days and my first payment will be March 1st 2010. If this payment was a little bit less I would be thrilled by now...when I called the woman told me to sign the paperwork and send it in along with a long explanation as to why you feel the payments won't work out and see if they send me another modification. The woman said if they don't then I have at least until March 1st to make a payment and keep asking for lower amounts...so this process seems alot better then what I was going through before...I was shocked to receive this. I really thought by now the house would be in total foreclose. I thought that is why I had not heard anything from them since November, 2009...so it was a wonderful surprise...in a small way!

My second good news of the year so far is ....My air-conditioning broke in my car back in November and I have been racking my brain to find the $$ to fix it because I have been very tight with $$ because of Christmas and the Good Faith Mortgage payments....I had to find something in my glove department in my car and I pulled out my Carmax information and right on the front I see a date of June 6, 2012...and I thought for a moment what is this? and it suddenly came to me that for the first time in my life I had bought the extra Service coverage for my car....I was floored...I had totally forgotten about it..I pulled out the coverage form and low and behold my Air-conditioning is COVERED...woooo woooo. So all I have to do is call Carmax and make an Appt....

So, as you can see I really don't want to Jinx myself by saying " This will be a Great Year for me" because who knows? Like I said it is only 8 days into the year....

So, I guess it will just go "day by day" for me....it's better that way!