Shortly before the May payment

for my hubby’s truck was due (purchased before DR) the bank holding the loan called and said for Dec we could skip 1 payment and then send in the Jan payment on time. Knowing there was a trick to this and that it would be more headed to cancel an auto pay than it was worth to us at this time, DH said ok what exactly do I have to do. The lady said just authorize it and then we will put in your file that you want to skip your Dec payment. DH said so I don’t ever have to pay that 400 to you? She said oh no we will tack it on the end of the loan so you can skip it now but you will have 1 extra payment later. So DH says whats the point, she says some people like the extra money for the holidays or whatever. He said so I still have to pay that money, she says yes and there is a 30 $ fee for it. Hmmmm… DH says no thanks, why would I pay you MORE to add an extra money on to my loan.

I got a call back from BOA yesterday

Under a ‘forbearance’ , the payments aren’t just tacked onto the end of the mortgage, as I had been led to believe. If I had a 3 month forbearance, I’d have to pay all 3 months’ worth the 4th month, as well as that month’s payment.
So that isn’t an option. The guy told me about a government program that may pay my mortgage for a period of time, so I guess I’ll apply
for that. That only works if I qualify(not a given). But it would be better if I could just FIND a JOB…

Those are my goals

For this year I’m keeping it simple with a baby on the way and some of this is just homework.
I changed our tax withholding to 3 from 2. I don’t like lending money to Uncle Sam for no interest.
Staying out of debt with DH in school through his G.I. Bill, grants, cash, and hopefully a scholarship or two. He’s leaving the Air Force in February as well. We’re readjusting the budget to anticipate the drop in income.
I’m going to try to continue the best I can to be learning how to program in Excel so I can leave my dead-end job. With a three person household being created it just doesn’t pay enough to support us anymore.
I just learned how to use some of the financial functions in Excel. That’s going to be so much fun for my budget, but for work I’m still learning the background stuff for making macros files. I like it so far.
I’m just not looking for a new job yet because I don’t really want to walk away from 12 weeks of paid maternity leave. They give me 6 weeks by law and because general management is sort of nice they pay you during the first 6 weeks.
I know my direct manager wouldn’t pay anyone if she could get away with it.
Plus, I have enough leave/vacation time saved up for the other 6 weeks, so I’m going to take advantage of that before I walk out the door. And yes, I will try to not tell my direct manager to stick it where the sun doesn’t shine when I leave. I’m being a quiet disgruntled employee as recommended by several people here on this list. Great advice by the way.
I don’t like my employment conditions anymore so as soon as possible I’m finding something else.