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advice on house

i just had a baby 5 weeks ago, and right now we just have my hubby's income and he doesnt have a very good job, we got behind on our house a yr ago when my hubby broke his knee and was out of work so my mortgage co. did a loan modification and lowered our rates and aur payments. and now were behind again since im on maternity leave any sugggestions on where i can get help with my mortgage so they don't foreclose on my house? i don't want to lose my house. i also have 2 other kids who are out of school for the summer so i was planning on going back to work when they go back to school cause daycare for 3 kids would be my whole paycheck. no bashing please i just need advise. i have been very depressed about it and i don't know what to do any more. i also applied at walmart to work nights but they haven't called me yet

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Anonymous

Asked by Anonymous at 1:08 AM on Jun. 16, 2009 in Money & Work

Answers (7)
  • You need to talk to your LENDER first.

    Anything beyond that depends on where you are. In CA, all forclosures are on a 90 day hold and if you call 211 you can get hooked up with help.
    gdiamante

    Answer by gdiamante at 1:12 AM on Jun. 16, 2009

  • i did and since im on a payment plan from already being behind there's nothing they can do she said it will take acouple of months before they foreclose, but once they send it to an attorney they wont accept ant monthly payments i will have to pay in full what im behind
    Anonymous

    Answer by Anonymous at 1:15 AM on Jun. 16, 2009

  • Do you have any friends or family you can borrow from? or a 401k plan though work that you can borrow from?
    Otherwise, it sounds like you will have to cut your maternity leave short; I went back to work part time after 4 weeks and full time after 8.

    Good luck to you and your family.
    rkoloms

    Answer by rkoloms at 6:44 AM on Jun. 16, 2009

  • One other thing. Are you doing everything that you can to cut your monthly expenses? Here are some suggestions for cutting your grocery budget:
    Don’t buy paper towels or napkins.
    Make at least some of your own cleaning supplies (this has the added advantage of getting toxins out of your home).
    Past the age of 2,the only beverage humans need is water; don't buy juice, milk, soda, etc., except as a special treat.
    Cook from scratch.
    Replace meat with beans, seitan, lentils & tofu. Cook dried beans instead of buying canned. Make your own seitan.
    Whole grains, like whole wheat pasta & brown rice, may cost more than simple grains, like white rice & pasta, but they are more filling &more nutritious, so they really are the better value.
    rkoloms

    Answer by rkoloms at 6:47 AM on Jun. 16, 2009

  • Frozen fruits & vegetables often cost less than fresh; they have the added advantage of having a longer shelf life & holding their nutrition longer.
    Once or twice a week have breakfast for dinner: yogurt with frozen blueberries & whole grain cereal or an omelet with veggies & a little bit of cheese with whole grain toast.
    Before you go to the grocery store, plan your meals & snacks for the next 8 days. Base your grocery list on your meal plan. Pull any necessary coupons. Eat before you shop. Buy only what’s on your list. The sales at the store are not to save you money, but to get you to buy more than you need; if you don't know for sure that you will use it in the next 3-4 weeks, don't buy it.
    If you would like some delicious, healthy & family/budget friendly recipes, feel free to contact me.
    -Robin
    rkoloms

    Answer by rkoloms at 6:47 AM on Jun. 16, 2009

  • Other ways you can cut back your monthly bills - cancel your cable and/or internet, if you have a land line - go to basic service only, etc. You can check out DVD's at your local library if you must have the TV on.
    Christina807

    Answer by Christina807 at 9:56 AM on Jun. 16, 2009

  • If you need any help, our company has financial wellness services that will help you in these situations.

    Our company also has discount plans and cards from medical all the way to daily living things to help you save even more.

    IraqiVetWife

    Answer by IraqiVetWife at 2:09 PM on Jun. 16, 2009

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