So My Credit Sucks...

And now I have to figure out how to get it decent enough to qualify for a loan thru FHA. Their requirements say at least 3 yrs after a foreclosure, or 5 yrs after a bankruptcy. The question is, 3 yrs from when they filed, or 3 yrs from when it was final lol. I'm guessing from when it was final, which puts us at June/July of 2011. A little over 2yrs from now. So that gives me 2 yrs to clean up our credit and put aside a minimum of 3.5% of the price of whatever house we plan on getting, plus closing costs, and whatever little incidentals. We dont plan on spending more than $100,000 on a house, which means at least $3500 for downpayment, plus at least 3,000 for closing and extras, probably closer to $4000. Can I do this? Yes, I think I can.
And if we wait til we get taxes back in 2012, we'll have a little extra besides what we have put aside between now and then. Now I just need to figure our budget and start setting money aside where we can't mess this up.

Everything seems to be closing...

In the past few months our area has been hit with a whole slew of business closings. There was the GM plant in Janesville, one of the Kerry buildings in Beloit, and before those, we had Beloit Corp, Sears, JC Penney's, and the stores in the Beloit Mall. We also had KMart and Sentry's close, and got word that June 30 will be the last day for the Alcoa Plant here in Beloit.
The latest is that the Cub Foods in Beloit, and one in Madison, and 2 in Green Bay are closing. Beloit's last day will be March 13, and 71 people will be out of jobs. That's on top of all the people that lost out from all the other businesses closing. My husband worked at the Beloit Cub's. He'd been working there 2 years on the day we married. He worked there a total of 9yrs and 3 mos, then left to work at Alcoa. That didn't work out, so he spent 2 yrs looking for a similar paying job to pay the bills, while we made ends meet on me working at McDonalds. Then he got hired in at Tyson, and he's been there 3 years as of the 12th of Feb.
I keep thinking about if he'd stayed at Cubs. He would have been there 14 years in March. 14 years. That's a long time to work at one place. What would he be doing now, if he'd stayed there? He'd be looking for work, trying to find a place that would pay somewhere near what he makes now, so we could make bills. And I, well I'd be freaking out, wondering what the heck we were gonna do about the situation.
It's scary to see all the people that are going to be out of work, especially the ones that work there that we went to school with, and that he worked with. It really opens your eyes to see the numbers in black and white, knowing how the economy already is, and wondering how much worse it's going to get.

Sick Kids

Ick! Started this morning, with Gabe saying that he wasnt feeling good, and sleeping in till 10 this morning. He NEVER sleeps that late. He was warm, red ears and cheeks, and just wanted to cuddle. Then later this morning, Caleb says he's not feeling well. Red ears, warm to the touch, sick to his stomach, and headache. And Mike comes home from work, also not feeling well. Whatever it is, it'll probably go thru the hole lot of them by this weekend.
Wish me luck, I'm going to need it.

Tired.

So today was spent retrieving passwords, and getting back at the other blog. I've edited a couple of the posts, and messed around a little bit, but not much else, since it's taken most of the day to just accomplish that much.
I also managed to clean the baby's room, and the bathroom and bathroom closet. Sent Caitlin up to clean her room, but she didnt do much of anything. Gotta tackle the boys' room, and get it straightened, and get some more laundry done. Take trash out, and clean up my room again. Adrian only had a very short nap today, and has been running full bore all day. His dr appt is tomorrow, so I'm taking him and his mom to it. Hopefully I can get the MIL to watch the kids for me, cause then I can go with, otherwise I'll be sitting in the van with 4 cranky kids.
On a really cute note, when I picked him up, his mom told me that he's been calling my picture "Mimi", and he's been calling me that since I picked him up. Guess I better get back at it, have a ton of housework to get done, and very little time before their bedtime to get it done.

Finally got the password to my old blog!

So you can visit me there! I'll be trying to post at both regularly.

www.crazymomofmany.blogspot.com

Come visit me!

I have New Pics on Myspace!!

Don't worry I'll post them here too, lol. So go to my Myspace (myspace.com/mybubbasmom) and check them out.
Here's a few of the ones I put up. We have top to bottom: James, Gabe, Caitlin, Caleb and Caleb again. I also posted some pics of my godson and some friends and nieces/nephews. Go check it out!

Another Busy Day

Spent today rearranging the boy's room, and putting James' bed in there with them. He's been begging to have his bed in with them for the last month or so, and we finally gave in. Their room now has 2 twin beds and a queen size bed in it, and one dresser! I didnt think they would all fit, but they did. Gabe's dresser fits in the bathroom (large bathroom) against the wall by the closet, Caleb's dresser is in the bedroom, and James' is in his old room. Adrian's dresser is also in James' old room, along with the pack n play (with Adrian lol) and the futon. And FYI, a queen size mattress and box spring will fit on the futon frame! Ask me how I know...
Anyway! Been super busy today, and plus we got a few inches of snow between last night and today and its STILL snowing!
Other than all that, not much else today, did school with the kids, folded and put away 7 loads of laundry, and vacuumed. Got all that done in between chasing kids and mediating kids trying to kill each other.
Tomorrow's my day off!