Goals....check!

Yesterday was a pretty good day for completely goals. I REALLY wanted to go out to a new Chinese place here in town even though I didn't have the money. I resisted and instead had some delish Shepards Pie that was totally worth making. I'm looking forward to leftovers for lunch.
Healthy (or healthier than fast food) meal....check! 
After dinner, we went for a walk with some good friends. I'm looking forward to starting this new habit of walking every night with them...it helps the boys and I get out of the house and gives us exercise. We ended up walking 1.71 miles but didn't even seem like that long.
So exercise every night....check!
After some play time, the boys got jammies on and we read stories. I've been really wanting to get into a good bedtime routine. I give that half a check since we didn't get our nightly shower in....
but still...half check!
And when they went to bed....I read the accounting chapter that I knew I needed to read. I really didn't want to....but I did. And I get it now. And the chapter was insanely long...but I get it now.
Homework every night....check!
I've also made a goal to read two different books. The first is Daughters In My Kingdom which was given to me at church and we were encouraged to incorporate it with our normal study. The second is When Times Are Tough by John Bytheway. I have the goal of reading a chapter of each every night. Last night I did it.
Reading nightly....check!
The only thing I faltered on last night was FHE. By the time dinner was made and eaten, it was getting dark so we needed to go walking before it was too dark to go very far. Next week though.
I'm looking forward to tonight and seeing how far I get on my goals. Tomorrow I will be in Salt Lake for a meeting, so tonight and tomorrow will be a bit skewed....but we will try our best as always.

OH! In other news....
Have ya'll heard that your bank could most likely be charging you a fee every time you use a debit card? Yep. I've seen them as low as $2 and as high as $5 FOR EVERY TRANSACTION you making using a debit card! Call me crazy...but I'm going to start using  cash for absolutely everything if this is what its going to be like. I take that back...I'll strictly use bill pay for my bills (since no fees are being charged for that service......yet) and cash for everything else. I refuse to have my bank take my hard earned money because they feel I owe them for the honor of using their institution for my banking needs. Ludicrous ya'll....ludicrous. I know that so far, Bank of America, Wells Fargo, Chase, and Regions Financial are on board and some have already started charging. Is your bank next?

Frustrations...

This is going to be a boring post about my job so just a forewarning. If you follow the news pretty well you will know that on Friday, Bank of America announced that they would be halting foreclosures in all 50 states and more Lenders are looking at following suit. This is mostly due to a HUGE number of files being caught without appropriate signatures, files being put together sloppy, underwriters and negotiators not reading stuff before they sign it, and the list goes on and on. This has caused a HUGE number of people to lose their homes to auctions that probably should've have.
I've experienced this first hand with my clients.
And its sad.
Frustrating.
Irritating.
Unfair to all those who spent almost a year (and in a lot of cases more time than that) out of their lives doing their due dilligence to the Lender only to have them come back at the last minute (literally in most cases) and say whoops...sorry you don't qualify. Your house is being set on the auction block in a couple hours. So it wasn't too big of a shocker when this came to be.
As positive as this move seems to be...its also rather scary. Yes it gives us a little more time to process modifications and such (which I have a feeling will be delayed anyway cause of this all) but....they are not halting the foreclosure process. Just the auction sales. Which means more and more houses are nearing the end of the foreclosure period and when the moratorum is up...there will be thousands upon thousands of houses that are due to be sold. And my bet is...they will be. I'm guessing its going to be a mass posting of auction notices and no postponements. And its sad. I'm just hoping that this move will benefit my clients as well as anyone else trying to get assistance before everything blows up.
So I'm happy that someone is finally stepping in and saying hey...your screwing up and need to fix the problem now. I'm very grateful for that because the issue did need to be addressed and honestly, I don't know how else they would've addressed it. I would've rathered them put the entire foreclosure process on hold... but I know that would've been too hard.
I don't however look forward to whats going to happen after this is all said and done.

What a sad time we are living in. Very sad.