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	<title>Financial Hack &#187; home ownership</title>
	<atom:link href="http://www.financialhack.com/category/home-ownership/feed" rel="self" type="application/rss+xml" />
	<link>http://www.financialhack.com</link>
	<description>Digging my way out of debt</description>
	<lastBuildDate>Thu, 30 Apr 2009 12:00:43 +0000</lastBuildDate>
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		<title>Landscaping on a budget…</title>
		<link>http://www.financialhack.com/2009/04/27/10613_landscaping-on-a-budget%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/04/27/10613_landscaping-on-a-budget%e2%80%a6.html#comments</comments>
		<pubDate>Mon, 27 Apr 2009 12:00:55 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Life in General]]></category>
		<category><![CDATA[Personality]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[beautiful]]></category>
		<category><![CDATA[beautiful landscaping]]></category>
		<category><![CDATA[clean]]></category>
		<category><![CDATA[community college]]></category>
		<category><![CDATA[consultation]]></category>
		<category><![CDATA[drapes]]></category>
		<category><![CDATA[exterior of home]]></category>
		<category><![CDATA[fix-up]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[homeownership]]></category>
		<category><![CDATA[husband]]></category>
		<category><![CDATA[landscape architect]]></category>
		<category><![CDATA[landscaping]]></category>
		<category><![CDATA[local events]]></category>
		<category><![CDATA[low budget]]></category>
		<category><![CDATA[personal time]]></category>
		<category><![CDATA[pleasantly surprised]]></category>
		<category><![CDATA[remodel]]></category>
		<category><![CDATA[repair]]></category>
		<category><![CDATA[spring garden festival]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[weeds]]></category>
		<category><![CDATA[yard]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=613</guid>
		<description><![CDATA[My husband and I have spent the last two years of homeownership cleaning, fixing-up, and repairing the inside of our home. OK… my HUSBAND has been working on the inside of the house for two years. I, um, shopped for drapes? We are finally moving our focus to the exterior (since the neighbors ‘tease’ us [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/04/27/10613_landscaping-on-a-budget%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Financially Frustrated…</title>
		<link>http://www.financialhack.com/2009/04/21/10605_financially-frustrated%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/04/21/10605_financially-frustrated%e2%80%a6.html#comments</comments>
		<pubDate>Tue, 21 Apr 2009 12:00:15 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[bigger picture]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[bong]]></category>
		<category><![CDATA[boston dust party]]></category>
		<category><![CDATA[boston tea party]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[depressing]]></category>
		<category><![CDATA[don't give up]]></category>
		<category><![CDATA[drought]]></category>
		<category><![CDATA[drug usage]]></category>
		<category><![CDATA[fence]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[frustration]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[higher mortgage payment]]></category>
		<category><![CDATA[mortgage account]]></category>
		<category><![CDATA[new tires]]></category>
		<category><![CDATA[principle balance]]></category>
		<category><![CDATA[progress]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[tea party]]></category>
		<category><![CDATA[trimmed tree]]></category>
		<category><![CDATA[truck]]></category>
		<category><![CDATA[upgrade]]></category>
		<category><![CDATA[vons brand apple juice]]></category>
		<category><![CDATA[water sources]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=605</guid>
		<description><![CDATA[It seems as though the harder I work to unbury my finances, the more is heaped. Our higher mortgage payment is depressing. I struggle to not scream in frustration every time I transfer the extra $150 a month to our mortgage account. Perhaps if I was paying more on my principle I’d be fine but [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Taxes, Taxes, Taxes…</title>
		<link>http://www.financialhack.com/2009/04/06/10584_taxes-taxes-taxes%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/04/06/10584_taxes-taxes-taxes%e2%80%a6.html#comments</comments>
		<pubDate>Mon, 06 Apr 2009 13:00:04 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[8.25]]></category>
		<category><![CDATA[arnold schwarzenegger]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[california tax hike]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[current sales tax rate]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[financially squeezed]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[property tax hike]]></category>
		<category><![CDATA[sacramento]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[sales tax]]></category>
		<category><![CDATA[struggle]]></category>
		<category><![CDATA[sunshine state]]></category>
		<category><![CDATA[tax hike]]></category>
		<category><![CDATA[tax hikes]]></category>
		<category><![CDATA[washington dc]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=584</guid>
		<description><![CDATA[The California ‘sunshine’ tax has struck yet again. Sales taxes in our area rose to 8.25 percent last year despite pleas for help. I struggled with the hike but now… I’m furious. Arnold Schwarzenegger added another 1 percent to our sales tax. Some cities decided to add to this new number. Our current sales tax [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/04/06/10584_taxes-taxes-taxes%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Budgeting for gardening…</title>
		<link>http://www.financialhack.com/2009/04/02/10580_budgeting-for-gardening%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/04/02/10580_budgeting-for-gardening%e2%80%a6.html#comments</comments>
		<pubDate>Thu, 02 Apr 2009 12:00:20 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Life in General]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[backyard]]></category>
		<category><![CDATA[bougainvilleas]]></category>
		<category><![CDATA[cost of water]]></category>
		<category><![CDATA[debt payment]]></category>
		<category><![CDATA[fertilizer]]></category>
		<category><![CDATA[garden department]]></category>
		<category><![CDATA[gardening]]></category>
		<category><![CDATA[good soil]]></category>
		<category><![CDATA[green thumb]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[miracle grow]]></category>
		<category><![CDATA[plant roots]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=580</guid>
		<description><![CDATA[I lack a green thumb. An example of this fact? We have two bougainvilleas in our backyard. I tried to keep one alive and kill the other. The one I tried desperately to keep alive… I killed. And the one I tried my hardest to kill… is flourishing like a giant miracle grow plant. Seriously… [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/04/02/10580_budgeting-for-gardening%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The truth in ‘predatory’ lending practices…(Part 3)</title>
		<link>http://www.financialhack.com/2009/03/18/10562_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-3.html</link>
		<comments>http://www.financialhack.com/2009/03/18/10562_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-3.html#comments</comments>
		<pubDate>Wed, 18 Mar 2009 12:00:12 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[american dream]]></category>
		<category><![CDATA[ARM loan]]></category>
		<category><![CDATA[bad decision]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bit off more than they could chew]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[clean up the mess]]></category>
		<category><![CDATA[conventional financing]]></category>
		<category><![CDATA[Darwin]]></category>
		<category><![CDATA[dumb]]></category>
		<category><![CDATA[fast rising home prices]]></category>
		<category><![CDATA[health affliction]]></category>
		<category><![CDATA[high cost pitfalls]]></category>
		<category><![CDATA[high interest loans]]></category>
		<category><![CDATA[idiocy]]></category>
		<category><![CDATA[interest only loan]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[make a buck]]></category>
		<category><![CDATA[market crash]]></category>
		<category><![CDATA[priviledge]]></category>
		<category><![CDATA[stated income loan]]></category>
		<category><![CDATA[stupid]]></category>
		<category><![CDATA[unclean hands]]></category>
		<category><![CDATA[uneducated]]></category>
		<category><![CDATA[unsophisticated consumers]]></category>
		<category><![CDATA[vicitmized homeowners]]></category>
		<category><![CDATA[victim]]></category>
		<category><![CDATA[victims]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=562</guid>
		<description><![CDATA[I was reading an article about ‘victimized’ homeowners. It said lenders ‘mostly targeted unsophisticated consumers with high-interest loans stuffed with high cost pitfalls’. I hate that a lot of borrowers are willing to be called ‘unsophisticated’ – heck, let’s call a spade a spade -borrowers are willing to be called stupid so they can be [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/03/18/10562_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-3.html/feed</wfw:commentRss>
		<slash:comments>18</slash:comments>
		</item>
		<item>
		<title>The truth in ‘predatory’ lending practices…(Part 2)</title>
		<link>http://www.financialhack.com/2009/03/17/10560_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-2.html</link>
		<comments>http://www.financialhack.com/2009/03/17/10560_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-2.html#comments</comments>
		<pubDate>Tue, 17 Mar 2009 12:00:06 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[bad loan]]></category>
		<category><![CDATA[burden]]></category>
		<category><![CDATA[calculated the costs]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[evaluated terms]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[good conscience]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loan docs]]></category>
		<category><![CDATA[loss of home value]]></category>
		<category><![CDATA[low credit score]]></category>
		<category><![CDATA[never been late]]></category>
		<category><![CDATA[page by page]]></category>
		<category><![CDATA[paperwork]]></category>
		<category><![CDATA[preschooler]]></category>
		<category><![CDATA[read]]></category>
		<category><![CDATA[reliable]]></category>
		<category><![CDATA[reliquish rights]]></category>
		<category><![CDATA[responsible]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[society]]></category>
		<category><![CDATA[stated income loan]]></category>
		<category><![CDATA[studied information]]></category>
		<category><![CDATA[vague information]]></category>
		<category><![CDATA[walk away]]></category>
		<category><![CDATA[wisdom]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=560</guid>
		<description><![CDATA[When we started looking for a house, we were notified that our only option was a ‘stated income loan’ meaning, we would claim both our salaries, none of his credit history or the debt, and only borrow in my name. And yes, our lender was the one who instructed us how to do it. We [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/03/17/10560_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-2.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>The truth in ‘predatory’ lending practices…</title>
		<link>http://www.financialhack.com/2009/03/16/10558_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/03/16/10558_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6.html#comments</comments>
		<pubDate>Mon, 16 Mar 2009 12:00:34 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[400]]></category>
		<category><![CDATA[build roots]]></category>
		<category><![CDATA[buy a house]]></category>
		<category><![CDATA[california lawsuit]]></category>
		<category><![CDATA[cell phones]]></category>
		<category><![CDATA[clean hands]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[credit limit]]></category>
		<category><![CDATA[dark time]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[high credit score]]></category>
		<category><![CDATA[high interest]]></category>
		<category><![CDATA[hope]]></category>
		<category><![CDATA[late payment history]]></category>
		<category><![CDATA[life altering]]></category>
		<category><![CDATA[missed payments]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[over the limit fee]]></category>
		<category><![CDATA[poor payment history]]></category>
		<category><![CDATA[predatory lending]]></category>
		<category><![CDATA[victimized]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=558</guid>
		<description><![CDATA[The fledging economy, fueled mostly by the housing market, has caused people to point fingers of fault. A good number of those fingers are pointed at mortgage lenders. But the question is… are our borrowing hands clean? According to the results of a lawsuit in California, I was ‘victimized’ by my mortgage lender. But I’ll [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/03/16/10558_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
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