Anyone ready to ring in the new year...and lose weight/get fit?

[wildorchid053]

vfem call the mortage company and tell them you are having troubles financialy they may be able to let you get by without payment this month and add it to the end of your contract.. once a year they sometimes will do this. you just pay the interest this month. gl hun

 

[vfem]

Thanks Wild, we actually called about refinancing on Monday night and this is what we got...

If we go down to a 15 year rather then a 30 year they could do 4.5% on we'd only pay $150 a month more then we do now! WOW... I wish I could do that, I'd jump on it!

But because of changes made this year to get the low finance rate for a 30 year to save money, we could only get 5.2% rate with an increase on our PMI & insurance, and our payments would go UP about $20 a month from what we have now at 5.75% apr.

I'm mad at the mortgage company! LOL

Anyways.... talked with the IRS 3 times today, and with HR Block on the phone and at the office.

Apparently, at the IRS I got the know nothing new people who gave me the generic panic explaination because they weren't listening to me. What I did find out was 2 things I NEEDED TO KNOW! First was form 5404 is being hand reviewed in the error department because of errors on the forms from THEIR end, so they all needed to be checked by hand (human eyes) to make sure all the right amounts were taken out from everyone. So they is holding people up a week or 2 depending where you are in line. Secondly, the IRS website shows Monday and Tuesdays are refund days, when in fact they only issues refunds on Friday. So that could be the issue too. Its possible I could have the refund on Friday since the date has passed or it could be 2 weeks to a month (a month if there really is an issue with my return and how I filled it out). So basically, there could be several things rather then just a 'error' on my return like guy #1 said. Its more then likely to be the 5404 form holding me up, because everyone with that form is being help up and they are getting 1000's of calls about it.

So we'll just wait. I have 2 weeks to get my mortgage payment in, and my husband is telling me he's due a bonus check on friday (doesn't know how much) but its probably enough with my paycheck next week to cover it if it doesn't go through.

So I am going to breathe (thank you 3 good eggs) and just wait as patiently as I can.

Nothing, I mean, NOTHING stresses me more then taxes. Everyone in my family knows it... but I have my reasons, my parents have been audited 6 times in their life and every time has had to PAY to the IRS. They've lost 2 homes, they are having the wages garnished right now by the state and the feds... my dad is only taking home $150 a week right now from taxes that were done incorrectly in 2006. They are always borrowing money from me because I am so good with money, as they think I am... and of course NEED some of my return to not lose their house AGAIN this month. I don't have it to give to them... but they INSIST my return will help, and we're not so bad off we can't share a few hundred dollars. So they are pushing and stressing me from the other end. I just feel like my head was going to explode.

But I am just going to tell me, oh well... I literally have nothing, and don't know when or if I'll get anything after this mess. I'm going to goto yoga tonight, and FREE my mind for an hour!!!

 

[vfem]

HaHA! I still don't know what is going on, but I don't care. HR Block says they will call the IRS on my behalf and do the second look or amend of what ever needs done if nothing changes by March 15th.

So I am just letting it go!

I finally joined back up and went back to Yoga on Wednesday, so I feel emotionally better (it really helps me mentally). However, my arms and back feel like I was crushed by one of those machines that turn cars into scrap metal!!!

I have to work today, but after that I think I'm going to soak in a hot bath with some epson salts.

Ok.... banana and coffee here I come, please get me through my morning!

 

[wildorchid053]

don't fret about your parents.. it is their problem and they caused it. it is not for you to babysit them even if you want to..worry about your own family hun and it will be alright. now take a deep breath and think about going outside to sit in the sun and watch your chickens eating grass.. that is all i do.. we still have tons of snow. but spring is coming!

 

[wildorchid053]

ooo forgot to mention i am down 6 lbs this week.. back on track.. wooo hoooo

 

[Momagain1]

I did NOT read all 106 pages of this lol..
but I just wanted to give you all some motivation for those who may be falling off the wagon or getting tired and/or discouraged...

almost 3 yrs ago I started Taekwondo, not for me tho; for my eldest DD who was gaining weight and low self esteem..I joined with her..
but I quickly realized just how out of shape I was..I mean I knew I was overweight; but never had any clue REALLY how bad I was..
My momma was morbidly obese as well as MOST Of the extended family..so it was just the way to be..

I am 5'1 and heavy does NOT look good on a short person..

I started Weight Watchers & really portioning my foods and realizing that when I was bored/lonely I ate..which REALLY
is a bad thing since I'm lonely every other week due to hubby being on his 77 hr work schedule..and he has been like
this for the last 13 yrs..no change..

AND I realized I ate when I was stressed; I have a 20 yr old (now) that had been sexually abused when she was a preschooler,
her biological father (my ex husband) abandonded her (not to mention me), lived in a homeless/abuse shelter with her, my brother was killed,
my dad died, my mom has been seriously sick (pancreatic cancer scare), my 20 yr old ws diagnosed with BiPolar, Type 1 Diabetes, extreme
depression, suicidal tendencies (and yes; she was hospitalized due to them), homeless and now she's shacking up w/some guy and his
family to avoid coming home to GROW UP..she was told to get a job or they were kicking her out; well..we'll find out TODAY if she actually
starts PT at subway..(PLEASE LORD PLEASE!), my now 13 yr old boy unfortunately was physically abused at school, mentall abused at school
by a teacher AND students (he's super short for his age; they picked on him) and he has severe anxiety, ADD and depression (runs in family)..
so I ATE AND ATE AND ATE to numb all this stress...(didnt work)...

So I have had to change my habits and its HARD; yesterday I ate a 1/3 lb angus deluxe burger and fries at mcdonalds; I was on road, my 13 yr old
was sick, a deer hit my van...ugh..I fell right back into the old habits..and lately I've not been eating much at all; then I binge cause I am starving..(I say
this all to say I am STILL struggling w/it..its a lifelong fight for most of us..)

I really dont mean to come out preachy..I just want to get you all to realize that it is a mindset; not a "I can't have carbs or sugar or meats" type thing..
its a balance..one that I still struggle with (as it stands its 830 am and I have yet to eat b'fast...and I prob wont because I'mstruggling these past few wks
with falling back into my old habits...)

Here is me in the fall-- notice how I fit into ONE leg of my old taekwondo pants:

Here is me in December:

January:

and just a few days ago on Sunday:

Now, I have gained almost 6 lbs since January; stress..big time stress..and
when I stress; I dont eat at all during the day; then binge eat at night...

I say all this to A: motivate to show it CAN be done..and B: to have my own accountability as I
dont have a support system except hubby...my momma is actually jealous of the weight loss..
she's a toxic person to me..so I have to have others I'm accountable to..

HTH and I shared a lot of personal info; please please dont down me for it.. I'm being
vulnerable by sharing it..

Mar

 

[wildorchid053]

i am amazed !!!!! i wouldn't recognize you from the first pic.. you have done excellent and with your situation and all the "crap" that has happened.. be proud of yourself, your making life changes that is affecting the way your family is changing for the better. you are breaking out of the dead end cycle your family has made for you and it is something only a very strong person can do.. keep up the great work i am proud of you

 

[oesdog]

Quote:
You are a very special person. - I can sooo empathise with much of what you have said and a lot of the situations you have found yourself and your family in. I mean that!!!!

YOU ARE NOT ALONE YOU HAVE US LOT!!!!!

I am also only 5 foot and so can understand the weight on a small person. It seems to look so much more when your short doesn't it!!!!
I understand about the eating STRESS - done that a lot!!!!

Keep breaking the cycle!!!! Toxic Yeap I have a mother that way too!!!
Oesdog -

 

[Knock Kneed Hen]

Momagain1,

Thank you, Thank you, Thank you!!! That is truly inspirational for me. I too eat out of stress and life is STRESSFUL! My 9 yr. old is being diagnosed with autism and I think all the denial we've had up until now has dissipated. We see him now as others do for the first time and we're realizing the road ahead of us is not going to be as easy as we thought. I didn't even weigh in last week because I knew I'd fallen off the wagon. Maybe I'll weigh in tomorrow.

It's nice to know that we're not alone in our daily struggles. It's taught me to be less judgemental of people. You never really know what's going on with you family and friends. My sister shared with me a while back that once she thought about suicide, had the rifle in her mouth. I was dumbstruck!! My strong, confident, independent sis????? On the UP side, I'm 5' 10" so I can gain 20 lbs. and it's not all that obvious (except to me). Of course, when I lose 20 lbs. nobody notices except my MIL.

I'm so sorry that you're having to deal with so much heartache with your children. That's got to be the hardest thing for anyone to deal with. I have a feeling I'm going to have to go to school with my boy so that I can be guaranteed that nothing will happen to him. He's already been shoved to the ground and also hit in the stomach as hard as the kid could hit. I was told it was random, he wasn't the target. He's the sweetest, gentlest kid. Always so kind to everyone. The kids notice he's different and mostly just ignore him....that alone hurts as a mom. The barber asked him about his friends in school. He said he didn't have any. So the barber said, I'm sure you have lots of friends. He said, NO, but I'd like one.

It's no wonder we turn to food. . . . and chickens. I know I use my animals as a distraction from life. I have more than we should but I try to rationalize it by saying that it helps me with stress. It does too. I imagine if I didn't have all these animals to take care of I'd be visiting the fridge a lot more often.

Thanks for sharing you story and helping me realize that WE ARE NOT ALONE in our daily struggle. Love the last picture of you. Your eyes sparkle and you are beautiful!

 

[Knock Kneed Hen]

Quote:

That's incredible!! I think it's good to take a break from time to time, as long as you know you do have to get back on track. Good for you!!!