Make Saving Money A New Years Resolution

Monday, November 30, 2009

As difficult as it has been for so many this past year, I think everyone has realized that it's important to save for a rainy day.

One of the best ways to get on a fast track to savings is with budgeting - especially using an envelope system.

Neobudget is an online envelope budgeting software that helps you keep track of your spending. At only $2.50 month, you'll find it extremely affordable compared to similar programs.

Try it free for 7 days with no strings attached!

What have you got to lose? Absolutely nothing, but so much to gain!


Stride Rite Twitter Party, Cyber Monday Deals, and Contests!

Friday, November 27, 2009

Stride Rite is celebrating Cyber Monday, this Monday the 30th, by holding a Fan Celebration Day on

Stride Rite Facebook fans are invited to log on Monday, November 30th from 9 a.m. to 9 p.m. EST for hourly giveaways with amazing prizes including gift cards and gift bags from Stride Rite Children?s Group brands including Saucony Kids, Sperry Top-Sider Kids, and more.

There will also be a fan-only coupon for Cyber Monday shopping on and a mystery prize valued at over $600 that fans can enter to win throughout the day!

To kick-off the Cyber Monday celebration, Global Influence is hosting a Twitter Pre-Party Sunday, November 29th from 9 to 10 p.m. EST with our community manager, Shannan Powell (@slpowell) at the healm!

For an hour tweeps will chat about Cyber Monday shopping tips and preparing for the holidays in general using the #srCyberMon hashtag. There will be seven Stride Rite gift card winners and participants will be among the first to learn about the Fan Celebration Day on Facebook.

To learn more and RSVP, please visit:


What Are You Thankful For Today?

Thursday, November 26, 2009

I want to wish all of my American friends a very happy Thanksgiving Day. I hope it is one filled with joy and laughter and the love that encircles us when surrounded by friends and family.

Although Thanksgiving is symbolic of peace between the colonist and Native Americans, autumn celebrations were conducted long before as a ceremony of thankfulness for a successful bounty of crops.

Today I want to to give thanks to God for the many blessings in my life, which include:

  • Four beautiful, healthy children that have taught me life lessons I may have never learned without them and known a love like no other.

  • A husband who has been with me through the good times and bad, and taught me definition of true selflessness.

  • For my parents who gave me life and have always shown me unconditional love, even at my worst.

  • For my brother who has tolerated me for 33 years, and my sister-in-law who tolerates him.

  • A for the necessities in life: home, food, clothing, and job.

In this time of economic hardship that spreads around the globe, I feel as though I have been blessed with so much more than I deserve.

What are you thankful for today?



Give the Gift of Time This Holiday Season!

Wednesday, November 25, 2009

My oldest son is very picky about his clothes and accessories; so it's often difficult to shop for him when it comes to gift giving occasions.

I thing I do know he likes is Fossil Watches. A popular brand due to their flexibility in styles - from contemporary fashion to sporty - Fossil watches has something for everybody's taste. is a great places to find Fossil watches at awesome prices. For example, I stumbled on the Fossil Men's Stainless Steel Two Tone Dial that you see here to the right; marked down from its original retail of $200 to $123. A $77 dollar savings!

As an authorized dealer of many well-known brands, offers a manufacturer's warranty (based upon availability) and a simple return policy that gives me the reassurance I need when purchasing a Fossil watch online.

And did I mention the free 2nd day shipping to U.S. customers? Everybody knows how much I love the word FREE! Shopping late? No problem! Expedited shipping is available for an additional fee. offers a huge selection of brand name and popular styles at incredible prices, including the seiko dive watch is THE place to shop this holiday season if you're giving the gift of time!


First Deer Hunting Trip with Daddy

Ready to go....

We're here! Just one more short trip before we get started....

The Hunting House.

For more Wordless (or not) Wednesday, visit 5 Minutes for Mom and MomDot.



West African Lemon Chicken Soup Recipe from Author Kay Marshall Strom

Monday, November 23, 2009

In Senegal, West Africa, I sat beside the community well, because that’s where the village women gathered. Out of the dusty wasteland they came, from every direction, their babies tied to their backs and their water containers balanced on their heads. They were glad to rest beside the well, for they had to walk many miles to get there. The average woman in the world, we are told, walks seven miles a day in her quest for water. When you factor in those of us who only walk to the kitchen to turn on the faucet, you can see that some must trek much farther than seven miles!

At the well, the women have a chance to catch up with the goings-on in neighboring villages, to air their complaints with one another, and to share their own news. And so I sat by the well with Obei and Helene, two Christian women in a country 98 percent Muslim, and waited to meet the women as they came for water.

And come they did.

A young woman came, sobbing over her baby son who was burning with fever. We prayed together in Jesus’ name that her baby would be healed.

A girl came and whispered her wish to learn to read, but said she could not because the walk to the well and back took her all day. Obei offered to teach her a little every day when she came for water. She started with: “For God so loved the world….”

A woman came with terror in her eyes and confided that her daughter must surely be a witch. Helene prayed for the girl, but also for the mother. “Do not believe what others tell you,” she warned the distraught mother. “Believe in the power of God.”

And Songa came. Obei and Helene had prayed with her before in Jesus’ name, and Songa had seen a miracle as her seriously ill son was healed. Now she too, was a follower of Christ. “My husband ordered me to renounce Jesus,” Songa told us. “When I would not, he threw me out of the house, but he kept my children. Please, please… pray for my little ones. Pray that they too will know the God of mercy and love.”

This holiday season, I am thankful for the women at the well in Senegal—all three of them, for Songa has joined the other two. I’m thankful for the lives they are touching in the name of Jesus. Most of all, I am thankful for the Living Water that flows freely for every one of us.

- The Women At the Well by Kay Marshall Strom


This warm, mellow soup from Senegal, West Africa, can easily incorporate any extra turkey you have on hand. Just substitute it for the chicken.

  • 1 tablespoon butter

  • 1 teaspoon curry powder

  • 2 teaspoons flour2 cups chicken broth

  • ½ cup diced chicken (or turkey)

  • 1 cup yogurt

  • juice of 1/2 fresh lemon

  • fresh chives, washed and snipped

Directions: Melt the butter in a saucepan over medium heat. Add the curry powder and flour and cook 2 minutes, stirring constantly. Gradually blend in the chicken broth and bring to a boil, continuing to stir constantly. Add diced chicken (or turkey).Remove the kettle from the heat and cool the soup slightly. Gradually stir in the yogurt, a small amount at a time. Squeeze the juice from the lemon half and add the juice to the soup.Garnish each bowl of soup with a dash of fresh chives.

Author Kay Marshall Strom has two great loves: writing and helping others achieve their own writing potential. Kay has written thirty-six published books, numerous magazine articles, and two screenplays. While mostly a nonfiction writer, the first book of her historical novel trilogy, Grace In Africa, has met with acclaim.

Kay speaks at seminars, retreats, writers' conferences, and special events throughout the country and around the world. She is in wide demand as an instructor and keynote speaker at major writing conferences. She also enjoys speaking aboard cruise ships in exchange for exotic cruise destinations. Learn more about Kay at
her website


A Unique Space Saving Bed for Small Rooms

It seems that everyone I know - including myself - is always looking for ways to save space.

And there are thousands ways to accomplish that goal, but a really unique way to do it with a contemporary-style bedroom is with a Murphy bed wall bed

This attractive bedroom space saver is a handy sofa by day and comfy Queen size bed by night.

Though a bit more pricey on the front end than you typically see, the money spent will be well worth what you regain in living space.

Visit the SlideAwayBed to build your bed today. And don't forget to take advantage of their free shipping through December 15, 2009!

- This is a paid advertisement. Please scroll down to the lower portion of this page for full disclosure policy. -


UPrinting 50 Custom Thank You Cards and Envelopes Giveaway

Wednesday, November 18, 2009

The giveaway posted today is brought to us from Uprinting offers not only regular prints such as business cards and labels, but Custom Greeting Card Printing and envelope printing.

With plenty of gift receiving occasions coming up (Christmas, Princess A's birthday), I'm excited to receive my own set of custom thank you cards. It'll really spice up those tokens of appreciation!

And you can win your own custom cards too!

{Giveaway Closed. Winner: Shelly. Thanks for playing!}

One lucky winner The Mom Trap will receive (50 ct.) 7 x 5″ (folded to 3.5 x 5″) Custom Thank You Cards with plain envelopes.

Here's how to enter:

  • Leave a comment, along with a valid email address (if not on your profile), about at least one thing for which you are thankful.

Want extra entries? (Leave 1 comment for each additional entry; i.e., 5 extra entries = 5 comments)

  • Subscribe to The Mom Trap RSS Feed via email through Feedburner (right sidebar): 1 extra entry

  • Follow The Mom Trap on Twitter: 2 extra entries

  • Follow UPrinting on Twitter: 3 extra entries

  • Tweet this giveaway and leave the Tweet URL in your comment (be sure to include @kdcantrell and @uprinting in your tweet): 3 extra entries

  • Follow The Mom Trap with Google Friend Connect (left sidebar): 1 extra entry

  • Add The Mom Trap Button to your blog (found in left sidebar): 3 extra entries

  • Blog about this giveaway and include the post URL in your comment: 5 extra entries.

The Fine Print: Must be 18 or older to enter. Open to U.S. Residents only. Void where prohibited. Contest begins November 18, 2009, and ends at 11:59:59 p.m. on November 28, 2009. Winner will be notified via email within 24 hours and must respond within 48 hours to maintain winner status. Failure to provide a valid email and/or shipping address will result in forfeiture of prize.

FTC disclosure: I will have the option of receiving 50 custom thank your cards and plain envelopes when the contest had concluded.


Cyber Monday Safety Tips from the National Retail Federation

#ShopSafely with and AVG:
-information provided by Scott Silverman of the National Retail Federation and & Beth Jordan of AVG


Safety Tips:

  1. Look for the "S" for Security: Make sure the sites you are shopping from are secure and have "HTTPS" in the URL. The "S" ensures security. Also, look for the padlock symbol and research shopping sites at locations such as and

  2. Stay Current on Security Software: Make sure you have the latest virus protection software updates from your provider before you start your holiday shopping.

  3. Think Before You Link: Employ a URL scanning tool to ensure you're not clicking on links that lead to infected websites. Free tool here:

  4. Keep Your Private Information Private: Make sure you keep your personal information private. Create a separate e-mail account just for shopping and use a unique password. Keep records of your online shopping by printing confirmation pages and e-mail confirmations.

  5. Mix Up Your Passwords: Each e-mail, bank, credit card account should have a unique password. Write them down and store them in a secure location. These tips can all be found at


42% of Americans will buy at least one gift online this holiday season. Online sales are expected to increase about eight percent this holiday season while overall retail sales are expected to fall one percent.

Why people spend online:

  • the ability to shop at all hours of the day

  • easier to compare prices

  • free shipping

  • convenience

  • avoiding crowds

  • easier to find items aggregates the best deals from theirBulleted List 600 retail partners, all on one site.

  • Deals of the hour on Black Friday and Cyber Monday can be found at

  • Shoppers can find sites offering free shipping by choosing "free shipping offers" on the top right of the site

  • The site also contains a "Deal of the Week," special offers, and coupons

Win $250 in gift cards from's retail partners! From today through Cyber Monday (11/30), $250 in gift cards from's retail partners will be given away daily at the Cyber Monday Twitter account and Facebook account.

Another chance to win! There will also be a Twitter event on Tuesday, November 24th from 8:00 to 9:00 p.m. ET with the hashtag #CyberMonday. More tips will be shared and gift cards will be awarded during the event.


Leslie Blodgett Perfume Diaries Bare Skin Review

Next to shoes and purses, perfume is one of my favorite things. There's nothing that makes me feel more feminine than the right scent.

For a while now I've used the Bare Minerals make-up, and was ecstatic when I learned that the creator had also developed her own perfume.

Even more excited when I was offered the chance to try it and review it!

I wasn't the least bit hesitant to jump right and...


The wonderfully blended florals and sexy hint of musk is AWESOME!

I am so adding this perfume to my Christmas wish list (and I'm pretty sure hubby Brian will get it for me since he liked it so well!)

Try it for yourself! Bare Skin has been available at Sephora since October 2009. This high quality perfume sells for $55 for 1.7 oz bottle; $35 for the .7 oz compact; and $30 for the 4.2 oz body cream.

Be sure to visit on Facebook and Twitter too!

P.S. Leslie will be making two (2) in-store appearances this week to celebrate the launch of her exclusive new fragrance collection, Leslie Blodgett Perfume Diaries!

  • If you’re going to be in NYC on 11/18, you can meet Leslie at Sephora Times Square! RSVP here!

  • If you’re going to be in Tampa on 11/19, you can meet Leslie at Sephora International Plaza! RSVP here!


Get A Taste of the West with Challenge Dairy Sweepstakes

Challenge Dairy, the largest selling butter brand in the West, is hosting the "Taste of the West" Sweepstakes.

Grand Prize: A 7-day/6-night trip for 4 people to the incredible Mountain Sky Guest Ranch in Montana’s Paradise Valley, just North of Yellowstone National Park.

In addition to world-class fine dining, the guest ranch features cozy accommodations, horseback riding, hiking, fishing, rock climbing, clay shooting and much more! Revive, rejuvenate and reconnect with a variety of activities for everyone.

Airfare, food, accommodations and certain activities are all-included in this $17,000 luxury getaway.

First Prize: $850 kitchen package from Spice Islands and OXO.

Contest runs from October 8 through December 31, 2009.

To enter (and see the complete official rules), visit


I Found A Gift for My Starbucks Addicted Mother

Tuesday, November 17, 2009

My mother is the ultimate Starbucks® addict. So much so that she will sniff her cup for quite a while after treating herself to this beloved coffee.

So it is without a doubt that I am getting her something to do with Starbucks® as a Christmas gift.

And what could be a better gift for the Starbucks® lover than Starbucks Mugs!

At I found a huge selection of Starbucks® mugs and gift sets.

Dedicated coffee addicts who love the disposable cups will also find large lot hot cups and hot band sleeves.

Maybe I'll mull over which one to buy over my own cup of Starbucks®. ;)


Recession, Fear, and Peer Pressure for Random Thoughts Tuesday

When you're living in a small town where the only place to shop is a Wal-mart, it's really difficult to tell there is a recession going on.

The other night I went by there to pick up a few items that I needed - things that to purchase anywhere else would require several stops - and I couldn't find a parking space even relatively close to front of the store.

Now, I'm not one of those people who has to park right up front. (Most of the time anyway.) But when it's late evening, I'm not too keen on parking farther out in lot either.

There are just too many nuts these days. And not to mention we're going into a high crime season.

Add that to the recession they keep telling us we're having.

But speaking of crime -

I read something interesting. Did you that (something like) 94% of crime victims experienced some type of intuition beforehand; such as unexplained fear or a sense of dread.

All animals act on the fight or flight feelings they experience, except humans. Too often we're afraid of what others will think if we react on those feelings.

So essentially, peer pressure leads us to be crime victims.

Notice how many things we can blame on peer pressure?

Ever wonder why so many people care what others think of them?
I do. Of course, some people would tell me I should probably actually spend some time worrying about what others think.

I might get around to it....someday.

Well, there's my random thoughts for Tuesday. So what's on your mind? Share 'em during Random Thoughts Tuesday hosted by The Unmom!



Gift Cards Make Holiday Shopping Simply

Do you have someone on your Christmas list that you just never know what to get them?

I do! I actually have several.

That's where gift cards come in handy. And at it's even easier!

Along with a nice selection of Gift Cards to choose from, has separated them into quick reference categories: for her, for him, girls, boys, teen girls and teen boys.

Don't bother spending hours looking for a gift you won't find. And don't waste another second wading through the unorganized gift cards in department stores.

Go where buying a gift is simple:!


Attention KMart Shoppers! Win a $50 Gift Card

Just tweet daily with the hashtag #KmartBLS

It's back!

That's right, that crazy little blue light offering tons of savings is making a comeback at KMart.

And to welcome home this favorite icon, KMart is offering Twitter'ers the chance to win a $50 gift card everyday!

In addition to the chance to win daily, everyone following @KmartDealsnNews on Twitter will be automatically entered for a chance to win a $500 Kmart shopping spree!


Winning couldn't get easier - all you have to do is follow @KmartDealsnNews on Twitter from your personal Twitter account and issue a Tweet everyday using our hashtag: #KmartBLS.

Each day is a new opportunity to win, so the more often you tweet - the better your chances are to win a Daily prize!

This sweeps is open November 12 - December 23, 2009.

For more info on sweepstakes details, check out:, and for Official Rules:

Happy Tweeting and Good Luck!


Exercises to Reduce and Prevent Back Pain

Monday, November 16, 2009

I loathe back pain. In my opinion, it is one of the most irritating pains you can have in your body.

Back2Yourself is the leading provider of back exercise programs on the web. Programs include video instructed back exercises, progress tracking and professional support.

Along with free access to instructions on helpful back exercises, B2Y also offers an intense paid subscribers program that includes a video playlist of daily routines.

Don't think it's just a set of exercises? B2Y provides for program participants to track their progress and determine when professional intervention is required.

B2Y has helped hundreds suffering from back pain. They can help you too!


Weekly Highlights for November 8 - 14, 2009

Sunday, November 15, 2009

I have really been a slacker lately on these weekly highlights.

Things have been really busy lately. I've got some really awesome product reviews coming up - and really FABULOUS giveaways to go along!

We're also gearing up for the holidays around here. I like to get my Christmas shopping done long before it officially starts - better deals, less people. Know what I mean? :)

Ok, enough's this week's highlights.



Try Yoplait YoPlus FREE

Send in one (1) Activia yogurt UPC and receive a coupon for a FREE Yoplait YoPlus yogurt.

PLUS.... print a $1.00 off coupon now!

Just visit for the $1 coupon and more details on receiving your free product coupon.



What I Found and Where I Found It

Saturday, November 14, 2009

Hosting my own giveaways has left little time for me to participate in others.

So today I decided to jump back in and went on a scavenger hunt of sorts for some great blog giveaways.

Here's what I found:



Three Movies for Thanksgiving That You Gotta See

Friday, November 13, 2009

You're stuffed with turkey and dressing. The football game is over. Night has fallen on Thansgiving Day.

So what to do now?

Well, if you're not one of those (crazy) people who is turning in early to hit those Black Friday sales the next day, here's a great idea: Family Movie Night Thanksgiving Edition.

Here's three great movies I recommend for this holiday season kick-off day:

A Charlie Brown Thanksgiving (Remastered Deluxe Edition)

The New World

Home for the Holidays



Hassle Free Vacationing with

Hotels are nice, but there's nothing better than condos, cabins, or a cottage to make a vacation even more pleasurable.

This time of year, many of you (lucky people!) will be seeking out warm weather spots. You need to check out Hawaii vacation rentals from - a site that brings renters and owners together in one convenient site.

With over 200 Hawaii vacation rentals to choose from, you're sure to find something to your liking and pleasing to the budget.

Whether it's a mountain ski chalet, beach bungalow, or a Hawaii vacation rental that you're looking for, you can find it at!


This Is a Really Cool Way To Make Your Kids Believe In Santa Clause!

Thursday, November 12, 2009


Nothing better than "proof" for the lies I tell my children! ;) This idea is so AWESOME!


What's Your Thanksgiving Day Traditions?

TwitterMoms and Target want to know the three Thanksgiving traditions you are or plan to pass down to your children.

I never really thought much of our Thanksgiving traditions until entering this contest. I was actually surprised to find that I'm passing down traditions that I wasn't even aware of! :)

Tradition 1: Watching the Macy's Thanksgiving Day Parade. I've been doing this since I was a young girl -before the days of cable television in rural areas - and still enjoying it with my four children.

Tradition 2: Dine with extended family at my parents, with my new favorite tradition of FRIED turkey - it's awesome! While the turkey fries, the men do a little target shooting while the women chat.

Tradition 3: Putting up the Christmas tree - although with Princess A on the (destructive) move this year, we may wait until closer to Christmas this year. Any other time, though, I love putting it up on Thanksgiving day to kick off the month (or so) till Christmas.

Want a chance to win 1 of 15 Target $50 gift cards? Just share your 3 favorite traditions that you hope to pass down in your own blog post! Click here for the full set of rules!



Home Security That ANYONE Can Afford

Whether you're protecting your home from the uninvited sources or just wishing to keep an eye on the baby's Nanny while you're at work, there is now an affordable solution: the wireless camera.

Children are a precious commodity; as well as their security - which means doing all you can to ward off ill-intentioned intruders from your home. Providing peace and security for yourself and your loves ones is so very easy - no difficult manuals, hard-to-read instructions, or contractors required.

The cost effectiveness and a neat appearance tops the reason for the popularity of this innovative form of home security.

Being wireless provides flexibility in location and an ability to transport to any location needed.

Installation is as simple as 1-2-3. If you know how to plug into an outlet, then you're ready to take the next step in protecting your family.

That's right! Peace of mind is as simple as a do-it-yourself weekend project.

Get started on your home security project in time for the holidays for as little as $80!

And while you're at it, you may also want to check out a complimentary system that I'm looking at buying: the doorbell camera station.

Answering somewhat blindly has been something I've been very uncomfortable with for some time. It would be nice to see which utility worker, package delivery driver, or neighbor is at the door without having to converse through the door.

A concept that is going to be especially important in the rush of the holiday season.

There's something in the way of home security for every budget, every idea, every do-it-yourself (or not) skill level at

From the simple accessory to portable video records, from the wireless camera to the full blown security system, you'll find exactly what you're looking for!


Health Care and Road Trips Straight to Hell

Tuesday, November 10, 2009

Aaargh! I am going to go NUTS!

So, I've got this friend - let's call her Snow - headed out on a road trip to see her daughter graduate from boot camp.

It's 3 o'clock in the afternoon and she hasn't packed a SINGLE item. She's aiming for a departure time of ten o'clock tomorrow morning.

Although Snow has known this day was coming for about 2 1/2 months now, she just reserved her hotel room two days ago, renewed her driver's license today (expired a year ago), and got her first eye exam in almost 20 years despite being blinder than a bat!

We are so opposites.

My car would already be packed. I would be living at 8 o'clock a.m. sharp - since mileage allows for an approximate 6 hour drive; which would put our arrival time at right about hotel check-in time.

I'm a stickler for stuff like that.

She's not.

But she should be, because I'm right.

I've got more control over this health care issue than I do Snow!

Speaking of which-

How'd you like that little victory lap Nancy Pelosi did at the price of her party?

Those democrats have assured themselves a pink slip in 2010.

You might have (barely) passed in the House but it's DEAD ON ARRIVAL at the Senate.

Saying "dead on arrival," then leads to the thought of not having as much time for mom blog because - wow! - people love reading true crime.

My blog on the subject - True Crime Book Reviews - is a hit! And I got to admit, sometimes that stuff is just more interesting that all this mundane Mommy stuff.

Ya know what I mean?

Then again, what kind of horrible person am I? A CRIME has to be committed - usually a pretty horrendous - to make a book. So, essentially, someone's pain is my pleasure, right?

I am so going to hell.



Save Money with Free Coupons

Monday, November 9, 2009

I'm always looking for ways to save money. Who isn't, right?

So I frequently visit Free Coupons, the BEST resource for online coupons and printable grocery coupons.

Want to the update-to-date insider's scoop on savings? Be sure to visit Free Coupon's editor's blog and forums. And don't forget to download the FREE ebook to help you jump start the savings!


Go Nuts In November!

This month, Pillsbury is helping you celebrate National Peanut Butter Lovers Month with a tasty deal on its new Pillsbury® simply...™ Refrigerated Peanut Butter Cookies. Nothing makes a house feel more like a home than the aroma of cookies baking. Fresh-from-the-oven cookies are the perfect treat for an after-school snack or an impromptu visit from friends.

The new simply...™ cookies are made with simple ingredients and nothing more. They contain zero grams of trans fat; no high-fructose corn syrup; and no artificial colors, flavors or preservatives. The cookies are made with wholesome ingredients such as flour, sugar, eggs, vanilla and peanut butter — just like you would make cookies at home.

Refrigerated simply...™ cookies are ready to bake with no messy preparation. When looking for simplicity in the foods you serve at home, try simply...™ cookies for warm treats from the oven in minutes.

The new simply...™ cookies package is white and uncomplicated, for easy reference. Each package makes 12 cookies. Just place the cookie dough on a cookie sheet, bake and enjoy.

You may or may not remember the review I did on the Pillsbury Simply Cookies in July...but I can tell you these cookies are AWESOME!

You've gotta try 'em!


Need Help With Your Mortgage Payments?

As the United States' economy continues to struggle against a recession and highest unemployment rate since the 1980s, there many homeowners out there facing foreclosure.

That's where Fair Home Loan Bureau can help.

If you secured your mortgage before January 1, 2009 and have a primary mortgage of less than $729,500, the FHLB may be able to help.

Enacted following the signing of the stimulus package. FHLB can help homeowners who can show proof of income and are experiencing a financial hardship to modify their existing mortgage.

FHLB is a free service provided to American homeowners. Visit today to see if you qualify!


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