17

Update on life: house, stuff and books

Snip20140723_122

 

If you’ve been following me for sometime–you know I like to add these little blurbs in on the blog about me. I don’t like to talk about myself much but I like to share pieces of my life with all of you to let you know that there is a person behind the computer… not some automated deal machine. ๐Ÿ˜‰

I mentioned several weeks ago that our house hunt has been put on hold due to identify theft/tax fraud. Long story short, we had a house.. but found out right before closing that the loan could not be funded due to the fact that our 2013 tax transcripts were not available (who know there was such a thing?!) Tax transcripts are basically a piece of paper from the IRS clarifying that you filed your taxes however, it is the *official* taxes with finalized numbers of your income and such.

The reason the IRS had not provided a transcript was due to the fact that there were duplicate returns under my husbands social security number. Which means, someone had filed taxes under his name electronically BEFORE we could file our taxes. Anyway.. So our house hunt came to a complete stop. The good news is, the IRS has cleared the identity theft and allowed us to file our taxes… now, we are just waiting on a transcript.

The best part about this experience is that I’ve learned way more than I could ever want to know about taxes, home loans and mortgages. ๐Ÿ˜€

Lately, I’ve been reading several great money books– In general, they are books about managing your money, saving money and just being plain BETTER with your money.

Snip20140723_121

Right now, I am reading: Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence It really is a great book to open your eyes about where your money is going and what you should be doing with your money to achieve Financial independence.

Snip20140723_123

Summer break has been fun filled for my boys. We took them to Legoland for the first time last month– they were thrilled! I was also excited that they all could go on the same rides. Our 4 year-old was happy to be able to go on the rides with his big brothers. Unlike Disneyland where we can only go on rides that he is tall enough to go on.

Snip20140723_124

 

My husband and I really enjoy growing our own veggies– We had control over our tomato plants for about a month– but now they are growing EVERYwhere but we are excited to have plenty of tomatoes for the summer. Are you successfully growing anything this summer? We only have tomatoes at this point. We did have romaine and onions but they have since been eaten ๐Ÿ˜‰

I also want you to know that I am so grateful to have you all in my life. I know you have a lot of wonderful blogs to choose from when it comes to deals and such. Southern Cali Saver wouldn’t be what it is today if it weren’t for all of you!

  • Julie says:

    And Josie, we are grateful to have you. My husband and son-in-law were total skeptics in the beginning. After getting diapers for twins for 21 months now at no more that $5 a package, they are both avid believers now.

    As for you identity theft, I do know what you went through. My daughter applied for her first credit card when she was 18 years old and had a job. She was denied due to bad credit. Upon receipt of her credit reports, someone in Blue Island, Illinois had used her SS# to get utilities for an apartment. It took over a year to get her credit cleared. The utility companies had the nerve to offer a lower settlement amount. That fired me up.

    Garden: Tomatoes, corn, beans, cucumbers, onions, beets, carrots, zuchinni, cantelop, watermelon, and potatoes. Our neighbors have been happy. Keep in mind, we are on 2 1/2 acres in Menifee so we have the room for a big garden.

    As for your house search, finance experts are expecting rates to stay low – good luck with your search. Menifee is a great place to live.

    Once again, thank you so much for all you do.

  • Kickstart says:

    Dear Josie, I am REALLY sorry that a person could think that using another’s identity is okay. It’s more common, but its NOT okay. Real people are impacted!!!! You have a positive outlook, and that will get you through those frustrating and downhearted days ๐Ÿ™‚ Thank you for your hard work and dedication. The kids are so adorable.

  • Y says:

    I am sure glad that you cleared up all the Irs stuff. Thanks for all you do. You have helped me save money . Its really hard trying to save money while in college and your site helps me.

  • Ro in San Diego says:

    I know you are real because I’ve been to two of your events. Hahaha. Sorry to hear about the identity theft. I’m glad you were able to clear it up.

  • John B says:

    I’ve looked into switching blogs for awhile, but I’ve been here sooooooo long (almost day 1) that I don’t wanna lose my spot on the virtual totem pole…lol

  • So are you going to get the house or did this mess everything up?!

  • Ivania says:

    Hi,

    I’m so glad you were able to clear up. I would suggest having the credit companies put a fraud alert to protect you. Happy house hunting I pray you find the perfect house for you soon.
    BTW… I love love your blog. Thank you for all you do.

  • Tracy says:

    Remember God gave us two hands. One for giving and one for receiving. Thanks for giving us all the great deals!

  • Savvy Ma says:

    These kinds of post are my absolute FAVORITE!! I LOVE the fact that you take time to share your world with us and are not some automated deal generator that wants the most likes or clicks. I love your first pic. You are beautiful and your mini me is a cutie! All your boys are absolutely ADORABLE!!! I am so sorry to hear about your house and identity theft! Praying that you are still able to find the house of your dreams. I wish we could start a garden but I have my hands full with my baby girl and almost 4 and 6 year old boys! But hopefully one day I will be able to start one, it would be a great family project. Anyways, I LOVE your blog! There may be thousands of blogs out there but I ALWAYS come back to yours. THANK YOU FOR BEING YOU…and for taking your time to share all your awesome deals. I don’t know how you do it all but I appreciate all that you do to help me and my family save money. You have a follower for LIFE! Much love to you and your family and may God continue to BLESS you and your wonderful blog. =)

  • Hollye says:

    Manta I live by now is “We are all faced with a series of great opportunities brilliantly disguised as impossible situations”. As a mother of two happy grown children, it is a pleasure to read your personal blogs. Couponing helps with the quiet of our empty nest, downsized from the McMansion we owned. We’ve tapped out and are renting now, but eager to jump into a smaller, more manageable place of our own once the lease is up. Thank you Ms. Josie for the “get right to it” of your site without the bling bling of flashing lights and endless clicking to get to the coupons. Your family is beautiful ~ God has truly blessed you!

  • Meryl says:

    Josie, I am a huge fan of your blog and have been for many years now. I know I can always count on you to put together the most awesome deals saving me time and money for which I am so grateful!! I too love reading about your life- thank you for sharing and for inspiring us in so many ways!!! I would love to hear about any financial tips you pick up along the way (I’ve yet to try the envelope method or Dave Ramsey but will someday I’m sure!) Such as tax transcripts??? Never heard of those!

    As for the house, you know what they say about when one door closes…..perhaps missing out on this house was a necessary step to get you to the REALLY perfect new home??? Wishing you and your family a blessed future Josie!!

  • >