Friday, January 26, 2007

I have a little black cloud over my head

Ok, I'll start with Monday. Dh got a speeding ticket. Tuesday, he wrecked his car. We don't have car insurance. Then Wednesday night, we got our vehicles reposessed. Yeah. It's been a lovely week. So now we're trying to figure out whether we want to get our cars back. Dh's car isn't driveable. Or if we just want to start over. It's a complete and total mess

Just beware. If you have anything through a credit union you should ask about "cross-colateralization". Because if you have multiple loans with a credit union or even a credit card and a loan, if you should happen to default on either one, they can come and take whatever it is that you have a loan or loans on. So because we defaulted on our credit card with the credit union, they came and took everything that we had with them. They will not tell you about this. It's in your contract, but they won't go out of their way to tell you about it.

Bottom line, we need to learn how to manage our money better. We really have been living beyond our means. We overextened ourselves, but by the same token they helped us. Oy!

Katie has recovered from her cold and tonsilitis. She's back to her same perky little self. We're on our last day of three doses a day. Now we just have one dose a day of the two allergy medicines. Mikel is still his annoying almost seven year old self. It's a phase. His other friend is doing the same thing. He's old enough to realize things and understand sarcasm, so he's turned into a real smart-ass. They both eat like horses and I'm dreading what it's going to be like when they're teenagers. There's already enough door slamming and yelling going on as well. I may have to ship them to Siberia.

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