Member Graph: what is it all about?

I am starting to tell mine that some of his little projects are on hold until I get my kitchen done.

What is on the kitchen agenda? I would like to lay a slate floor in mine. The linoleum is looking rather old. Other than that I am really happy with it. It is the main reason I agreed to get this home...

I took down a wall and opened up a room off the kitchen, I am putting in counter space, much needed counter space. I would love slate, but I want to use the same tile that I used in my kitchen to make the transition flow more neatly, so I am going to try and buy the same tile.

Thats it GN..go with the flow.

It has really opened it up, there is much more natural light now. The only problem is the dry wall dust, I will be cleaning it for months to come. Hate it.

Oh man..drywall dust..you had to make me go and feel really bad for you. It is like christmas tree needles..you never see the last one.

I know, it is hell to breath, it is like you have concrete in your nose.

Just think of the health hazzards.lol. Been there...done that...never wanna again.

oh, I should have it all cleaned up here shortly. It just gets in the cracks of every thing.

And on top of everything, in your register vents,, you name it. Anyway good luck.

Yep, but I find that when I do stuff like this the house ends up being cleaner in the end.

I was reading this post and it is almost like credit repair. Everytime you think you have everything cleared another pops up and you got to go through it again.

That is why it is best to stay on top of your credit and all the laws as they change that have to do with credit. Like right now, the mortgage industry is changing rapidly.

I see that with the mortgage industry...it seems very instable. I am glad we got our Home equity when we did. We didn't go with a mortgage becasue the rates were higher and the fees were higher too.

You are probably better off that way, we don't have a home equity either, however mortgage companies will sell accounts to others and you end up dealing with a company that you do not know. Ours sold all their mortgages to a bigger company, they have had our acccount for about 2 years now and seem pretty descent. At least so far.

I had this happen when I had my loan through a mortgage company. I ended up almost losing my home over it when we first got it. Wuth in a few months of purchaisng it they sold to another company but did not list us as making any payments. One day there was a knock at the door and we were being served papers to get out. I had all my cancelled checks (that is when they sent them back to you) and showed the people and he said he couldn't help me I had to contact the company...what a mess.

Are you serious, I bet you were really worried about that huh, I would have been pissed about that, especially since you were making the payments. Did they even try to call you?

No they never tried to call or it would have never gotten that far. And yes I was very pissed and worried. $415 times 5 months...where was I recoming up with it. Anyway I had to send them all teh copies of my checks, they wanted the originals and I told them I didn't fall off any turnip wagon. They figured out that the past mortgage company had recieved all the payments and not forwarded them on. Seems they were selling the company as they processed my loan.

thank you for the information, I am sure someone will find it useful, I did.

Hopefully no one has to go through it. It isn't the most pleasant things to deal with.

I bet it was scary, but having the proof that you paid it was good, how many payments was they saying that you owed.

Five months worth. That is why I couldn't figure out why they never called. I mean never one payment made and five months late to boot. I transferred evrything to a regular bank and it isn't even a mortgage anymore. Everything including what we owed on the home was combined into the home equity.

That is the best way to do it, we have our mortgage and our taxes and insurances all in one.

I would not do it any other way goodnatured, then everything is taken care of in one payment. The only thing is that you have to visit it every now and then to see if there are any increases or not.

My bank for some reason does not do this. I inquired about it when we took out the loan.

You would think that they would be able to anytime you wanted it, even if they charged you for it.

Nope I asked thinking it would be better than coming up with the money last minute. You know how you can set aside money for these purposes and boom something happens and it is gone. I had really high hopes when transferring to a home equity that I would be able to use an option like this. Come to think of it maybe that is the exact reason why it isn't offered..our loan ois a home equity and not a mortgage. Think that has something to do with it? You think still they would have included this options for the people who did not carry regular mortgages.

I don't know I still think that if you are a customer and you have a checking or savings along with a major loan or other major account with them they should make this available to you.

Thats what I feel to. So far I still haven't got them paid. I have until Dec. 13 so hopefully I can figure everything out before then.

I hope you do, hang in there that is a few months a way.

Yes I will deal with it then. I am trying to save at least some of it so I don't have to pull the whole big amou nt from the tiny savings we do have.

got ya, sometimes I will only have one coupon to use, but hey better money in my pocket then in the register?

Yep. I have had a rebate of $10 plus a coupon and still haven't went down because I know they will get more than the $20 worth of "paper" in my pocket...meaning coupons...

Coupons come in handy, I use them all the time.

'Buy one, get one free' stuff is pretty good, too. Depending on what they are and what ya need, I suppose.

Coupons are an excellent way to save money but I noticed they just aren't putting as many out there anymore and not on those everyday items...usually it is for some newer product or a really expensive brand. Like take for instance Dawn . It will have a .25 cent coupon and if doubled will be >50 cents but even after taking off that amount you can buy a cheaper brand that works just as well. I really like the Sam's choice brand. The price is great and it really works.

I have never used it, I usually buy a few when I have the coupons, I get them weekly fireyone, they are in the sunday papers.

I never seem to be in town on a Sunday. Thats usually one of the only days my hubby has off from work and we don't like to spend it on the road. I tried getting the paper delivered out here but they wouldn't do it. The last stop on the guys route is one mile from here and when they asked him if he would mind going one extra mile he turned it down. Sad part is there was a few people wanting to get this paper and he still said no. Wonder what his employer thinks of him?

Could you get just the sunday paper mailed to you? You may get it a few days late but you would still get the coupons. Also, you can go on the websites and request coupons, like kraft.com or any other brand name and get the coupons that you want.

No I tried all they offer is on-line veiwing. The one paper they will mail is the spirit in a near by town and its not worht the money. They dont even have decent coupons. I have been shopping every two months at Sam's club. This has saved us quite a bit on everydsay items such as washing powder, fabric softner, condiments and such. It is kind of like buying two and getting one free. One example is dish soap. you can get a three pack of Dawn which usually sells for $3.50 for under $6.00. I don;t like store brands. I found I use so much more than if I just bought the better brand. Same goes for washing powder. My hubby works in the mines so I usually use tide. When he thrown his clothes in the hamper (no matter how many times I tell him) the coal dirt goes over the good clothes. I can buy 180 load of Tide for $15.00. Thats enough for months of washing plus way cheaper to buy this way.