Saturday, April 9, 2016

It's been awhile

Well it's April the annual throw your back out week was here. I tossed it out good this time around. I did nothing, it just goes out every single freaking April. Wish I knew why? But insurance won't pay for anything, and we don't have the money for x-rays and such. So I live with it. I slow down, I don't stop because it's better to walk then sit, but can't lift. I also think my back knows it's dirt moving season and it doesn't want to move dirt.....So I'm still in recovery.
These two are so freaking cute. Buddy likes to sit on Sitka, it's really cute. 

This one has learned how to mow the yard. It's practice because he is now mowing for the neighbor. Any money made is split between savings and spending. 

This one is doing drawing on Thursdays instead of math. With all school on me now, it helps my Thursday, I have one off doing this and one off doing that and I'm fighting math with the big one. Cole is also so far ahead in math so he can have a day off a week. 

A gardeners nightmare, A tomato plant and an empty tag. Sigh. 

I made a quick quilt. I wanted to do more detail, but with the back out, this is as far as I got. I was on a time limit, well ok not really, because the project has been sitting here for like ever. But I wanted to get the project off my table. 

We were gifted a computer. Oh how I'm ever Thankful. Not easy to do school on one computer. Now our old computer the battery is dead. We were hoping it was just the cord, but it's the battery itself. So if you bump it, you are dead. Need to fix that. Ethan's been on the new computer a few times, and I found Cole on it once (a Lego site). OK then, probably go full force on it next school year. I'm also swagging when I can, just bought Ethan's birthday gift, A relief to get that two months early, And a great price.

And then the canning fairy stopped by. About 17 boxes of jars and a lot of odds and ends. I should have enough jars for about another year (JOKING) I probably shouldn't need another jar. But who says no to adopting another jar? At least I adopt jars and not cats?

So where do I start on the catching up. Things are just crazy daily. We finally made it through a re-fi. We changed up the Mortgage Lender, thinking after two fails, that may be the problem. Sure enough it was nearly stress free. She was on top of things and it was all smooth. After years of trying, it was nice to finally get through one. The main problem was our credit report was full of medical bills. They say medical doesn't count on a report, but it does. There is nothing on that report but medical.
 What I would do is every 3-6 months pull the credit report. I had a semi form letter all set, I would take each debt, tailor a letter to it and send it off to the credit agency, basically asking them to remove the medical debt. What in turn the agency is suppose to do is ask the person I owe the debt to, to prove I owe the debt, if no answer they have x amount of days to remove the mark off the report.
So everything I pulled the report it was interesting to see what was removed and what wasn't. Then the letters went out again. At the height we had a 10 page credit report. When we went through this re-fi we had 3 medical debts left. Our credit score went from 400 to over 700. But the whole process took over three years. We can now afford our mortgage and hopefully all medical bills. I have two with braces coming. Tucker should get his notice soon, and Ethan should be running roughly 6 months behind him.
In the mean time we are saving hard for a second car. We can not afford a loan. Plus I don't want a loan.
We've been semi working next door, small projects, but that money go towards the second car. If hubby isn't working next door then it may be time for a second job. After the second car, we have a van to save for. Hoping my van will hold out about two more years. But take it one day at a time. Hubby's pay cut isn't helping much either.
We've been working on a back yard project. scraping the play area ground, we are hoping to bring in about two yards of dirt, make it all smooth and put down grass seed and just make it all pretty back there, it's a wood chip mess out there, nothing is smooth it's horrible. So that is our current project. We are hoping to paint the house this year? I need to bring in some dirt. We are kinda waiting for my back to heal up some more.
I planted my last seed today. Yeah. Now to try and get everything out to the green house, I have ten trays left in the house. The tomatoes I have in the green house are doing well. So hoping to have the racks down by mid April. I got some of the onions planted, will do another round of planting in a few days.
Just a lot going on it's all me for homeschooling so I have that. I'm making lunch, I'm tending to the seedlings. You name it I'm doing it.
So hopefully do some garden updates soon? 

1 comment:

jana said...

hey hun Just letting you know saying more prayers for you all..Love all you are getting done and do admire your way or me any time you need to talk... JANA CHURCH