we are in the process of speaking to someone who could *possibly* negotiate with our mrtg company about another loan modification to get our payment to an affordable amount. a friend gave me his # and i am trying to be hopeful of the possibility. it seems too good to be true for us, this being the main source of ALL of our financial problems. being that there are currently SO many things out there for people just like us in trouble with their homes, many more things than were available back when we started having trouble. if this doesn't pan out, we will just have to keep trying other avenues.

my mother in law also came and sat down with us and set out a new budget plan for chris and i, to get caught on most of what has fallen behind because of this house, and a better way to plan and spend. i am hopeful with this too. for awhile, there will be no (or very little!) frivolous spending. we will be cutting back anything we can without losing too much fun in our lives ;) until we can get back to a point where we can bring those things back in. it will happen, one day. why do i know this? because it just has to. we've been down too long. we have been trying hard and one day it will pay off.. and we will be better for having gone through it! you never know what you have until you lose it! sacrifice is essential to being human, and over the years i have grown to live through sacrificing, mostly for my kids. =) i wouldn't have it any other way.

keep us in your thoughts and in your prayers if you do that kind of thing. we could use all the good ones we can gather. we would be in a much much MUCH better place, if they can make this happen for us. we were fine before we bought the house, and long for the rent we used to have, although high would be a dream now!! we have regrets sometimes, but you do what you think is best at the time, and often times.. there is no other better option, as was the case almost 3 years ago now!

i am thankful we still have a home, despite the fact that it will never be ideal. it keeps a roof over all of our heads! and for that, we are fortunate.


=)