Friday, November 13, 2015

Making Home Affordable!

(Disclosure:  This is a compensated post.  Information was given to me to provide to my readers.  Any opinions shared are my own.)

One year ago this week, my husband and I officially became homeowners.  We signed to contract and got the keys and we were super excited.  We are doing our best to make sure that this is something that we can afford so that we don't end up in foreclosure.  We want this to be the house that our children grow up in and their children come visit us as they grow up!

Making Home Affordable
Foreclosure Assistance Program

Did you know?
Nearly one in 17 homeowners nationwide has fallen behind on their mortgage payments, putting them at a higher risk of foreclosure.  Homeowners should not feel alone, buy many do.
That is why the Making Home Affordable (MHA) program provides free resources and assistance for distressed homeowners who are working hard at juggling expenses to make ends meet.  Many of these homeowners may be unaware that MHA has expanded its options, and may have a solution available to address their particular financial situation.  Moreover, the Hardest Hit Fund (HHF)- available in 18 states and the District of Columbia--also helps real people get back on their feet and on the road to financial stability in states hit hard by the economic and housing downturn.

Across the country, more than 1.5 million families have already benefited from MHA.  Through the Home Affordable Modification Program (HAMP), homeowners have been able to reduce their monthly mortgage payments by approximately $500 each month.  That's real payment relief.

Watch this success story:

What is the Home Affordable Modification Program (HAMP)?

  • HAMP is designed to lower monthly mortgage payments, making them more affordable and sustainable for the long-term
  • HAMP achieves a more affordable payment by adjusting the mortgage interest rate, extending the term of the loan, and reducing or forbearing principal
  • Homeowners have saved about $500 per month   
  • Through HAMP, homeowners can get help with their primary residence or rental property.
  • Homeowners who owe significantly more than their home is worth (>115% Loan-To value or LTV ratio) are automatically evaluated for principal reduction.
  • Just for making timely payments, homeowners could earn up to $10,000, which is used to reduce the principal balance of their mortgage.

What is the Hardest Hit Fund (HHF)?

  • HHF programs are designed to complement MHA programs and provide assistance to struggling homeowners, like those in the testimonial videos, through modifications, mortgage payment assistance, and transition assistance programs.  HHF programs vary state to state, but often include:
  • Mortgage payment assistance for unemployed or underemployed homeowners
  • Principal reduction to help homeowners get into more affordable mortgages
  • Funding to eliminate homeowners' second lien loans
  • Help for homeowners who are transiting out of their homes and into more affordable places of residence.

Through the Federal Making Home Affordable program, many homeowners have received much-needed help to reduce their monthly payments, get mortgage relief, and avoid foreclosure.  Homeowners who are struggling to make mortgage payments can call 888-995-HOPE or visit for free resources and information to help them with their mortgage problems and avoid foreclosure.  By calling 888-995-HOPE, homeowners can speak with a housing expert at a HUD-approved counseling agency at no cost, 24 hours a day, 7 days a week and identify potential solutions based on their individual circumstances.

Friday, October 16, 2015

Woodlawn Prize Pack

(Disclosure:  I received a screening preview of this movie in order to facilitate my review.  All opinions are my own.)

If you are looking for an amazing, faith-filled, family friendly movie, then you need to go see Woodlawn.  It opens today in theaters.  This movie is so touching, and with all of the racial tension that happens around the world,  this movie is a perfect way to show that God still works today as he did back in the 70's and as He did in the past.  In this movie, a football team has to work together to overcome segregation, while keeping their faith in God.  This movie is great for families to watch together.  I think everyone should go see this movie in the theaters to support faith based movies.  

Check out the trailer:

About this movie:

A gifted high school football player must learn to boldly embrace his talent and his faith as he battles racial tensions on and off the field in Woodlawn, a moving and inspirational new film based on the true story of how love and unity overcame hate and division in early 1970's Birmingham, Alabama.
Tony Nathan lands in a powder keg of anger and violence when he joins fellow African-American students at Woodlawn High School after its government-mandated desegregation in 1973.  The Woodlawn Colonels football team is a microcosm of the problems at the school and in the city, which erupts in cross burning and riots, and Coach Tandy Geralds is at a loss to solve these unprecedented challenges with his disciplinarian ways.   It's only when Hank, an outsider who has been radically affected by the message of hope and love he experienced at a Christian revival meeting, convinces Coach Geralds to let him speak to the team that something truly remarkable begins to happen.  More than 40 players, nearly the entire team, black and white, give their lives over to the "better way" Hank tells them is possible through following Jesus, and the change is so profound in them it affects their coach, their school and their community in ways no one could have imagined.  The Colonels make a run at the state playoffs led by Nathan, who becomes a Birmingham sports superstar and attracts the attention of legendary University of Alabama football coach Paul "Bear" Bryant.  It's the miracle, Hank says, of what happens when God shows up.

Win a prize pack:

One lucky winner will receive:

 Woodlawn T-Shirt
Woodlawn, by Todd Geralds
Touchdown Tony, by Tony Nathan
When God Shows Up, by Robert Noland

a Rafflecopter giveaway

Galaxy Buck: Mission To Sector 9 giveaway

(Disclosure:  I received a preview link of this in order to facilitate my review.  All opinions are my own.)

If you have ever seen Veggie Tales, your kids will love to watch Galaxy Buck Mission to Sector 9.  Creator Phil Vischer has done an amazing job creating Galaxy Buck in a way to engage children in having fun.  My kids love Star Wars right now and this has some hints of it as well as Star Trek.  I found myself giggling at some of the scenes.  It really is a cute show for kids to watch and learn about trusting in God, even during the times where it seems like everything is going wrong.

About the movie:

Buck Denver has a simple dream - to save the galaxy.  Working for the Galactic Mission Board, Buck dreams of carrying God's love to every corner of the Milky Way!  Except he doesn't have a starship.  Or a crew.  Or even a captain's license.  he just needs a chance.  But when that chance comes and Buck finds himself leading a real mission into deep space, things don't go at ALL like he imagined!  If he's doing what God wants him to do, why is everything going wrong?  From VeggieTales and What's in the Bible? creator Phil Vischer, Galaxy Buck: Mission to Sector 9 is a wild, galactic adventure that teaches kids a powerful lesson about trusting God with everything-even our dreams!

Approx. Running time 40 minutes

Check out the trailer:

Enter to win a DVD copy of Galaxy Buck:

a Rafflecopter giveaway

Top Cash Back Free Candy Bag

(Disclosure:  This post includes affiliate links.)

My husband and I have been using TopCashBack for a while now and have earned some extra vacation funds just by shopping online.   With holidays coming around, you can do some online shopping and earn money back.

Right now there is a good deal.  You can get the back picture above from Walmart for free after cash back.  Purchase the bag for $2.  Then wait to receive your $2.50 back from TopCashBack.  It takes about 21 days for the money to be credited into your account and you can get it via paypal.  There is no minimum payout!

Friday, October 9, 2015


(Disclosure:  I received a subscription to Matific in order to facilitate my review.  All opinions are my own.)

If you have more than one kid, you have probably dealt with crazy math homework.  I have 3 boys and I have found myself having to research some of the math homework my oldest comes home with in order for me to help him.  I was contacted by Matific to review their website.  It was prefect timing.  I like it.  My kids like it.  The reasons that I like Matific, is because there are lots of different areas of math that it works on.  I have a 2nd, 3rd and 5th graders can all work on lessons that are on their levels.  There are fun games that the children can play.  They are called episodes.  You can check the records and see how your kids are doing but I wish that you could make different profiles for each child so that you can easily see their own progress.   It is a good, educational website that I have my boys spend about 30 minutes each day on before they can play other things online.  

About the website:

Matific is an educational website full of episodes.  There are lessons for grades K-6.  The episodes can be broken down by grade, curriculum or by book.  Here is the Matific Mission (taken from the website):

The Matific Mission
To proliferate high-quality math education
Making immersive math learning apps available to children, world-wide
To empower teachers and parents
offering a rich set of intuitive and versatile math teaching resources
To make math intriguing
Fostering in students of all ages an appreciation of the beauty in math and its relevance in everyday life
To open the gates to scientific thinking
Mastering analytic reasoning and nurturing insightful discovery

Matific offers different subscription levels:
3 months- $18
6 months- $30
12 months-$36

Wednesday, October 7, 2015

May the Faith Be with You

(Disclosure:  I received this book in order to facilitate my review.  All opinions shared are my own.)

I have been looking for a devotional book for my boys that would interest them and get them reading the Bible more.  I saw the opportunity to review the May the Faith Be with You: 180 Devotions That are Out of This World, I figured I would give it a try.  My children love Star Wars and this devotional is  played off of that.  The devotions themselves are really short.  It could be a really good starter to get your kids into reading a devotion everyday, but I don't think there is enough substance in it to make a really good study.  This devotional is good for dinner time discussions and what a better way to end your day with a little bit of God's Word.

About this book:

For intergalactic fans and beyond, this 180 devotional will teach readers about the awesome power of God.  Life in the Spirit isn't about cushioned pews and easy living-it's about adventure, risk, daring, and the pursuit of wisdom.  It's about letting the awesome power of God work through you to do things you never thought possible.

In this brand new 180 day devotional, you'll learn the highest, truest, and most rewarding way to a life of wisdom, apprenticing with the Ultimate Master himself-Jesus Christ.  May the Faith Be With You features section headings like:

-Master Moment
-Use the Force
-Ways of Wisdom

to give you a devotional experience that is out of this world!

Thursday, September 24, 2015

ZooBoo Kids

(Disclosure:  I will receive complimentary admission to this event in return for my post.  All opinions are my own.)

Are you looking for a fun event for kids in the Tampa area?  Then ZooBoo Kids is the perfect place to take them.  My kids have never been to any of the Halloween scare events because I don't want them to be scared, but this looks like a fun non-scary event that my kids should really enjoy and I can't wait to take them!

What is ZooBoo?
It's an all new ZooBoo, just for kids!  Ideal for little boys and "ghouls" (age 11 & under), ZooBoo KIS is a Halloween treat for families.  Go batty with extended hours on select nights and "fright free" festivities like a trick-or-treat trail, corn maze, creepy critter encounters, friendly character appearances, fall photo opportunities, Halloween-themed games, festive seasonal decor and a Monster Mash dance party.  On designated days, guests can watch some of the Zoo's animals have a smashing good time too with pumpkin toss enrichments.  ZooBoo KIDS activities are included with paid Zoo admission or Zoo membership.  Visit LowryParkZoo for a schedule of events.

 Enjoy $3 off Zoo admission and spend the day visiting more than 1,000 animals on 56 acres of lush, natural habitats! Offer valid for up to 4 guests per original coupon presented.  Coupon not combinable with any other offers.  No cash value.  Valid only during daytime hours; not valid for special events.  Prices subject to change without notice.  Discount not applicable to AAA rates.  Expires 12/31/2015