You can make your own laundry soap for a few cents per load. I mix two cups of Borax, two cups of Super Washing Soda, and grate a bar of Ivory Soap into it. I use less than a third of a cup per load and this mix removes stains better than twice as much regular detergent! With this recipe, I can make for $5 what I usually buy for $12.
A.N.S.

Being “upside down” simply means that you owe more on your home than it’s worth. Getting into this condition can come about in a variety of different ways.

For example, a buyer who purchases using a “125 percent” mortgage (the loan is for more than the home’s value) is immediately upside down. Buyers who purchase using adjustable-rate mortgages (ARMs), particularly those who purchase with nothing down and interest-only loans (which typically convert to ARMs within a few years), can quickly become upside down if interest rates go up.