Can I File Bankruptcy after Foreclosure?

I am procrastinating, I have three more lines to fill in on my Bankruptcy forms. Three lines to freedom, I have been avoiding writing about it too. I am ashamed. I thought I could fix this with out bankruptcy…I felt like if I had to file bankruptcy after foreclosure I didn’t deserve the financial freedom I so desperately longed and worked for. I was wrong.

Lets start at last June- after my surgery and Bretts broken elbow and surgery the medical bills started pouring in, then we were hit with a brick (for lack of a better word). Our second mortgage was going to sue us for $75,000. Ouch. We started to search desperately, we had so many questions and so few answers. The first was…

Can I file bankruptcy after foreclosure?
Yes, Yes, YES!! Yes, you can, we are. Not only can we, but we will be getting rid of virtually all our debt. We don’t have student loans or IRS debt, which are both exempt from bankruptcy, so we don’t have to worry about that. Although the prospect of having to sell all our belongings (which are few and far between) to pay back debt makes me very nervous!

If I can file bankruptcy after foreclosure, which chapter do I file?
This was our next question, we researched and then decided we should be filing Chapter 7. Chapter 7 is also referred to liquidation case (hence my apprehension). Our lawyer basically broke it down like this- we would fill out forms HONESTLY and then we would be assigned a Trustee who would then decide what was exempt and non-exempt assets, based on a certain amount of equity in our property (furnishings, personal property, vehicles, life insurance, etc.).

Now that I know I can file bankruptcy after foreclosure, who do I contact?
I called every bankruptcy lawyer in the Denver/Boulder area and decided on a lawyer in Erie. He seemed to know his shit and had the confidence I lack in this situation. Bankruptcy lawyers definitely vary in price, the can cost at little as $900 and as much as $3000, ours is about $2400, he seems really well versed in our type of situation so we opted for him.

Can I file bankruptcy after foreclosure and ever buy a house again?
This was my final question, which was subsequently answered in a packet of papers from our attorney- we are looking roughly 4-7 years before we qualify for a loan again, hopefully since we will be debt free and living frugally we will be able to save a decent down payment by then.

Our bankruptcy still makes want to cry, it makes me nervous and I have a lot of anxiety surrounding it. This doesn’t mean it isn’t the right choice for us right now, it is. It means I haven’t done this yet and I am afraid of the recovery or what it will look like for us in the future. Honestly I am kind of scared to be debt free, I am afraid I may make the same bade choices again and forget all that I have learned. I most likely won’t because I am such a freak now, but one never knows.

School Starting and The Desire to Spend

So it may just be me but I feel like I have a non stop desire to spend. Part of it is emotions and part is the need for things.

So lately I have felt the desire to buy new chore charts, new day planner, New dry erase boards. Sooo much!!! I have been reigning it in but it begs the question what do you need for school? We know what our kids need because they give us a list but they don’t provide a what you need as a mama list…
To be continued tomorrow 😉

I am Falsely Ambitious

I love to pretend to be ambitious and I am really good at two things- small projects and not following through!

I am great at small to mid sized projects ie the crafts and DIY I have on here because I love them! They are fun, easy and totally beneficial to me and my family. I enjoy crafts regardless of if they are for me or my neighnor or merely to post on here because they are fun and I enjoy writing for my readers! I love being frugal and more often than not projects can be done in a frugal manner and they can make something fun/funky and even spectacular for uber cheap! I love that I have the ability to stretch a dollar, use a sewing machine and help others do it…but it have to take less than a week to do so, I need to be totally invested in what I am doing and passionate about it…or I just quit, it goes by the way side!

Kind of like…
How I was all excited about how I was going to become a writer woot woot, I was going to make a billion dollars and buy a house writing! I was also going to be a star at Mary Kay, own a wellness center the likes of Massage Envy but holistic, be a journalist, a nanny, a daycare provider, a waitress, a childrens clothing designer…I have a problem with my follow through…a serious problem…you see I am good at starting I just don’t finish…especially if there is no end in sight…

My morning goes like this

*Peel myself out of bed
*Check bed for child pee
*Go Potty
*Go Downstairs
*Check E-mail
*Pour Coffee
*Make Breakfast

Not bad doesn’t usually phase me except there was this email saying I had a writing assignment due by 1 my time and I was like WTF I quit that shit…but I am not one to leave anyone hanging…so I write, haphazardly and half dead (asleep but really its a zombie like state and not attractive) only to submit the piece 43 words short and I sorta want to be a writer again…but I quit so I could devote time and energy to my household and my blog. I love my blog with pink sparkly hearts and I want to write to you all every moment of every day…okay well not really, sorry, I would probably get arrested if I told y’all some of the fucked up shit in my brain (like the zombie apocalypse) but I would ideally eventually like to make money writing my blog cus its awesome and I love it and no one ever criticizes to my face my shitty spelling and horrid punctuation although I know you all are doing it at home…dont judge me!

Well that was the start of my off day! I am going to take the kids to the library when Emer wakes up and thats that!

Grace

Or should I say Gracie- Gracie is a little girl in Jaydens kindie class and I knew that statictically speaking poverty had hit our small town hard, with some families living in neighbors basements and being poor, parents living apart because there isn’t enough room. I know that our small town doesn’t provide the venues that the towns around us do. I met Gracies dad yesterday, he was applying for jobs and I was grocery shopping- he was fixin to take the bus home so I offered him a ride cus hey I was heading that way anyway. Normally I would never had associated myself with his kind, he is unkept and not my style of people…well he told me Gracies birthday was fast approaching and he was looking more desperately for a job because he had nothing to give her, that they hadn’t had electricty for who knows how long and they hadn’t had any food since school let out. This sweet 5 year old hadn’t had a real meal in over two weeks, TWO WEEKS! That their food stamps had finally kicked in so she would atleast have a cake.

I of course took time to understand and at first it was wow look at the poverty. Then it was oh my God, I write a blog about my life, about my struggles and this little girl doesn’t have food or electric (the food bank paid off their bill, so they have it for now.) It broke my heart, it breaks my heart. I have food, I have a fancy iPhone and internet. I have a car and electricity and I whine and bitch and complain about my money worries because I don’t have savings and have a car payment. I am such an ass hole.

I know that logically beating myself up isn’t going to do me a touch of good. Our small group has talked about a mobile food bank (because we don’t have one in Erie) and I am going to start calling churchs for donations tomorrow. I am happy that I can help provide this girl with birthday presents (as well as so many of my neighbors) but it has humbled me with every meal I eat, with every luxury I enjoy that the people who have put the most to this little girls gifts (and offering the most food and household products) are the people I know who have the very least. I hope one day I can be as good as them.

If you would like to help support this amazing family please feel free to send paypal to jellebeandesigns@gmail.com

Where has the week gone?!

It’s WEDNESDAY!!! Can you Believe that? I certainly dont want to believe it! I am sitting here awe-struck in where yet another week has gone (or at least half a week). I am sure it has everything to do with the Spooky Holiday on Monday than anything else. CJ had Monday off so we trick or treated and played and just over all enjoyed our day (including a very FUN Kindie Class Party)

Tuesday we rocked the lazy day Jayden sounds like he is coming down with cold (the icky stuffy nose sound) and we had the chance to talk about operation christmas child, the kids will be putting together boxes, the youtube video brought tears to Jaydens eyes! I am so amazed by his heart ❤

Today….well today its snowing, and a late start day! We were going to Playdate with the lovely Becky, but I am thinkin’ if Jay is sick it will be a lazy day with some Pastina for lunch (and yes a recipe to go with!) and lazy day antics…or home work, playing in the toy room and lots of baking…if he is NOT sick then we will be rockin’ the snow outside *brr* and then dress to impress at school 🙂 with a recipe for candy cookies

I had a great post but….

Then I read this  and cried like a baby. So, of course all I can think now is that I miss my daddy and I am so glad Emmy has a great dad

My little girl ❤
Now for some good eaten! I made some tdf Indian food the other night and now you can too!
 Rasa Kayi
4 oz carrots, scrubbed and cut into 1 in pieces
4 oz potatoes, scrubbed and cut into 1 in pieces
4 oz green beans, scrubbed and cut into 1 in pieces
3 tbsp veggie oil
2 onions diced
1/2 tsp chili powder
1/2 tsp coriander
1/2 tsp turmeric
4 oz cauliflower seperated into florets
1/2 cup coconut milk
Curry Paste like this 
Heat oil in a large pan, add onion, cook until the onion softens. Add the carrots and chili powder, coriander, turmeric and salt to tast. Mix well, lower hear and add the potatoes, cover and cook for 10 minutes
Add the cauliflower and green beans together with the curry paste and mix well. Cook, covered, for another 10-15 minutes 
Remove the pan from the hear and slowly add the cocont milk, stirring to blend well, serve hot.
Poories
1 lb 2 oz chapatti flour or all purpose flour (I used all purpose)
2 tsp salt
1 tsp sugar
1 tbsp ghee or oil 
vegetable oil for ddep frying
2 tbsp vegetable oil for rolling
1 tsp carom seeds
1 tsp black onion seeds
Mix together flour, salt, sugar, and seeds in a bowl. Rub in the glee with your fingers until it is thoroughly blended
Make a well in the center of the flour and pour in 1 cup water little by little mixing to make a stiff dough, work the dough well with your hands, then cover for 15 minutes
Divide the dough into 20 pieces and cover once more with the damp cloth. Work one piece at a time, keeping the rest covered
While oil is heating in your wok, roll each piece of dough into a smooth ball: apply a little oil to each ball, using a rolling pin, roll out into a disk about 4 inches in diameter
Deeo fry the breads for 1-2 minutes per side, drain on a paper towel and enjoy 

Pregnancy, fish hooks and veggie chili

Sigh- yes, I sigh a lot!
This weekend was the epitome of hell for me :-/
It started well and ended alright but the in-between was well far from a pleasant experience.
Let’s start with saturday…I went to work and it went well! Yay! Until 5 o clock rolled around…Corey starts texting me frantically call me asap, emergency…I call thinking someone fell or something- nope of course it’s more complicated than that (I carpool to work so I only drive halfway)- Brett has a fish hook imbedded in his foot! Fuck me- so I take Beckys car drive to her house grab the truck drive home leave the other two with the neighbors mom- go to the ER have them extract the hook and wait to see if there is a reaction from the tetanus shot…3 hours later we are home! I’m sure the trip will only be about a grand :sigh:…I think my weekend can’t get worse than this…than it does, I head to work Sunday get to work…and a patron of the store asks me…when I’m due! I’m not I just broke into the 130’s and I’m not pregnant I’m losing 😥 sigh so I get off work I go massage Amy…drive pick up the fam in Estes realize I forgot to give Amy her key back drive back to her house drop off the key get home finally…it’s over! Bed!!! Now it’s monday and I have found a fish hook hidden in my boys room and quit my job because I’m honestly next time it will be much worse :-/
So this weekend I have spent a total of $91 in gas, been asked if I’m pregnant and spent 3 hours in the ER…the weeks not off to a much better start oy vey!

The other night we made a yummy veggie chili Our rendition of her recipe! and Rosemary chicken!

Chili
1 can chili beans
1 can kidney bean
1 package chili sauce mix
1 can roasted tomatoes
1/2 onion diced
1 carrot
1/2 yellow pepper
1/2 red pepper
2 tbs evoo

Cut/slice/dice veggies and sauté in evoo
Put every thing in a pot and simmer for 30 ish minutes
Eat!

Rosemary Chicken
6 chicken cutlets (or less)
Drizzle of evoo
Sprinkling of Rosemary

Preheat oven to 350
Drizzle evoo on to cutlets sprinkle Rosemary rub in and bake for 20 minutes (or until cooked through!)

– Posted using BlogPress from my iPhone

It’s been a long weekend

In a good way! Well mostly…Corey and I got into a fight which sucked but ended well 😉
Actually that something I wanted to write about :eww: Corey and I had lost some of that flame, ya know what I’m talking about right? That feeling, butterflies, kissing and hugging and desire for eachother. We, by all means, have had a rough road and we jumped into all this with two feet. For those of you who don’t know Cj and I met when I was 18 and he was 22, it was a fling (I was engaged) and then feelings started I broke it off with the other guy and we decided at some point a baby would be fun – Jayden was born 2 weeks after I turned 19, we got married 6 weeks before I turned 20, Brett was born 3 weeks before I turned 21 and Emmy was born on my 23rd birthday. Whirlwind – yes, romance – not so much. We have made plenty of mistakes and fallen really well into our roles of mom and dad but neglected lovers. Okay well that’s all leading to…
We made out of hours last night! It was amazing and sensual and touching and feeling! Truly stunning, I’m still feeling butterflies! I wouldn’t call it romance but fun and intimate and giggly- everything out marriage has been missing for so long!! We needed it 🙂 and when we texted this morning it reminded me of how exciting it was the time we talked after our first night together (we made out til 5 am) and I was that excited albeit more rested since we hit the pillows around midnight this time around.
On a less sexy note we went to my mother in laws place yesterday and it was soo fun! It snowed and it was gorgeous (posting pics during nap time) and we got to go for a walk sans kids 🙂 we also made amazing and easy vegetarian lasagna
And of course I’m posting the recipe
Veg lasagna
No boil noodles
Spaghetti sauce
Spinach
Zucchini
Cottage cheese (or ricotta)
Mozzarella
Provolone

Light layer sauce
No bake noodle layer
Sauce
Cheese (all mixed up first)
Spinach
Zucchini
Repeat with sauce on top
Bake for 1:20 minutes at 375
Set on counter for 30 minutes
Enjoy!!!

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The Finding Frugal Side of It and How Raw this Wound Really Is

So I was listening to pandora the other morning while getting ready, I heard this song Real and I was all that’s so touching until he sang a line Real is a little dream house with a big ole foreclosed sign…then I cried and I realized how real-ly raw this wound still is. I mean taxes are sucky and all but hearing that and thinking back to buying our house, wanting to grow old in it with my husband, bringing my babies home to that house (and having one in the loving room), watching my babies grow in it and seeing myself grow up in it…it was sad, hard and a relief to leave. But it’s still a raw wound

Now for the finding frugal side of things…I think I missed it 😦 I have spent soo much on groceries and I don’t know I almost feel like it’s not any cheaper to make it all myself! Healthier sure, but we will see on the first when we break it all down! It just is hard to see the whole picture from the bottom of the mountain (or is it a mole hill?)
On a lighter note anyone up for…


French Onion Soup!
Altered from allrecipes.com!
Ingredients
1/4 cup butter
3 onions, thinly sliced
1 teaspoon white sugar
1 tablespoon all-purpose flour
2 1/2 cups water
1/2 cup red wine
2 cans vegetarian broth
1 French baguette
8 ounces sliced Swiss cheese
Directions
Melt butter or margarine in a 4 quart saucepan. Stir in sugar. Cook onions over medium heat for 10 minutes, or until golden brown.
Stir in flour until well blended with the onions and pan juices. Add water, wine, and beef broth; heat to boiling. Reduce heat to low. Cover soup, and simmer for 10 minutes.
Cut four 1 inch thick slices of bread from the loaf. Toast the bread slices at 325 degrees F (165 degrees C) just until browned, about 10 minutes. Reserve the remaining bread to serve with the soup.
Ladle soup into four 12 ounce, oven-safe bowls. Place 1 slice toasted bread on top of the soup in each bowl. Fold Swiss cheese slices, and fit onto toasted bread slices. Place soup bowls on a cookie sheet for easier handling.
Bake at 425 degrees F (220 degrees C) for 10 minutes, or just until cheese is melted
Nutritional Information
Amount Per Serving Calories: 732 | Total Fat: 29.4g | Cholesterol: 89mg

This is an extremely filling soup I served it with Paninis and blueberry muffins with Brie centers topped with apricot glaze…I only did 1/4 cup servings to save on calories, leaving the entire meal at 500 calories (not cheap 😉 but it did provide me with left over lunch for a week

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Whew I made it! Repurpose Thursday- long sleeve shirt

In leu of the freezing nature of Colorado in February, I thought it would be fun to take an old long sleeve shirt that doesn’t fit or is too well loved to be seen with in public and make it into a fab bag!

So, my lil broham Rick left this shirt at my place like 3 years ago, it’s not becoming to my body type at all so it became my new bag! Thanks Rick!

The Shirt

First I folded it in half


Then I cut the arms off, and across the chest


Next I cut out the neck line area


I pinned the neckline to my ‘bag’ with the tag out, really only because GAP makes awesome tags


I then sewed the pocket to my bag leaving the top open-but I didn’t take a picture because well *duh*
I then put one sleeve inside the other


Wrong sides together
Sew together


Hehe I changed my mind and did opposites cus I think it’s much more punk rocker 😉

I went on and sewed my hand area to the side of my bag


I did end up X boxing these for extra protection to this sew a box and then an x from corner to corner

Now I have a new bag! Perfect for trips to the park where my coach bags aren’t appropriate!


Coreys attempt at picture taking!


Samantha