Surviving HOAs: Essential Tips for Black Homeowners

Just don’t give up what you’re trying to do. Where there is love and inspiration, I don’t think you can go wrong. ~Ella Fitzgerald

Sigh. I have been occupied with negotiations with a contractor. Consequently, I overlooked composing a post addressing how African Americans can successfully navigate and prosper within Homeowners’ Associations (HOAs). Sorry!

It is the autumn season. It is time to inspect gutters, test carbon monoxide detectors, examine fireplaces, seal air leaks, clean gutters and downspouts, store lawn furniture, winterize sprinkler systems, insulate pipes, remove garden hoses from spigots, repair window caulk, seal gaps with caulk, check for drafts, test smoke detectors, inspect furnaces, replace furnace filters, plant grass seed, rake leaves, purchase clearance fertilizer, winterize lawns, and blow out sprinkler systems. I acknowledge that this is a lengthy list; however, it is essential that these tasks be completed. Your future self will express gratitude in the spring. Furthermore, due to your ethnicity, all eyes are upon you.  So!  Shine!  

I recommend that everyone apply a winterizer fertilizer to their lawns. My favorite is Ferti-Lome’s winterizer, although I also use other fertilizers when they are on sale, such as Mountain States Weed & Feed, which I have purchased for as low as $1.70 per bag. 

Outdoor maintenance is essential; therefore, it is advisable to create a weekend checklist. Please remember to work at your own pace to remain proactive regarding Old Man Winter and to comply with the Homeowners’ Association rules and regulations. 

See you next week!

Navigating Homeowners Associations: Tips and Insights

“The most difficult thing is the decision to act, the rest is merely tenacity.” ~Amelia Earhart

I apologize for not posting on Friday. Unfortunately, I am having issues with a contractor. As a result, I spent the day drafting a message to him and his general manager, but didn’t send it. I plan to send it soon, carefully choosing my words to clearly express my expectations for their workmanship. I want to be concise and avoid verbosity when I finally send the message [sigh]. Oh! Well! So! Let’s talk about navigating Homeowners Associations.

In my community, there are two HOAs—something I only discovered after my HOA foreclosed on over 50 homes. As fate would have it, I, for once in my life, went through the mail. I saw I had several violation notices. I contacted the attorney’s office. The woman I spoke with was cold as ice. She told me I needed to sell my inoperable car and pay the fines.

My car was in the driveway and a tire had gone flat. I was planning on having the car fixed but I was taking care of my elderly mom. As a result, my income was affected by caring for her and I couldn’t get the car fix. But! I would put air in the tires when I noticed them on a flat! Sadly, the time I didn’t was flagged by the HOA.

Well, anyhow, after being told to sell my car, I called the HOA. I explained my situation. They waived their fees, but I still had to pay the attorney fees. I agreed to the terms of a payment plan. I consistently made my payments on time. I used any extra funds to settle the remaining balance. Eventually, I moved on, learning from the experience.

I now contact the Homeowners’ Association (HOA) at least four times annually to verify whether I have any outstanding violations. To date, I have received only one notice, which was a result of the addition of two security cameras. I addressed the issue by informing the HOA that my truck had been broken into. Regrettably, the only camera was positioned too far to clearly recognize the perpetrator, so I added the cameras. They acknowledged the violation, and no penalty was imposed.

SUGGESTIONS

  • Bookmark your HOA website
  • Put your HOA among your email contacts
  • Download and read Governing Documents
  • Download and read Policies and Resolutions
  • Download all forms
  • Set reminders to email your HOA four times annually, checking for violations
  • Get involved

Let’s pray!

Father God, help us in managing our lives with the professionalism of a business. Help us to assume the roles of CEO’s over our personal affairs. Amen

Protecting Your Home: An HOA Survival Guide for Black Residents

Praise the Lord, my soul, and forget not all his benefits— Psalm 103:2 NIV

Good day. I want to assert that I am an American. Society recognizes me as an older woman of color, and I proudly embrace this identity. The words of God affirm that I am His child. As my spiritual connection to Him keeps me steadfast in my growth and evolution on my spiritual journey. However, my husband reminds me daily that my personality is classified as type “A.” Until today, I had never researched the characteristics associated with this type. I must admit, I am pretty impressed—WOW!

Well, let us commence. I am committed to this series, as it addresses a vital issue affecting Black homeowners living in Homeowner Association (HOA) communities.

Firstly, I would like to inform you that HOAs are a means of land grabbing. And Black people aren’t getting it! We move into these communities with high hope that we are no longer “separate but equal. ” We soon realize our homes are constantly under scrutiny, as the figurative glass ceiling limiting home-ownership shatters around us.

NEW FLASH! Black Americans will never see a day when we are equal to anyone, anybody. Period! Now! Let’s discuss how to protect ourselves, our family, and our properties when living in HOAs.

You must understand these principles clearly if you live in an HOA. This is also important if you are planning to buy a home in an HOA.

If you struggle with discipline when it comes to yard work, an HOA property is not ideal. However, there are pros and cons of living in an HOA. And if you can help your children respect community spaces, they are less likely to be targeted. Maintaining personal boundaries is essential for parents and children residing in HOA communities. Now! Here’s the key to thriving in HOAs: ‘pride of ownership.” If you don’t have it, be prepared for ongoing fines and fees. And! Yes! And HOA can sell your home even if you are current on your mortgage payments! Let’s pray!

PRAYER

Father God, we fervently ask for the mental and spiritual strength to live in HOAs. Ignite in us the wisdom to understand the rules before we dare to challenge them. Unleash a flood of opportunities for living within an HOA as others seek to destroy us. Amen

Finding Joy in Every New Day: A Personal Journey

This is the day that the Lord has made; let us rejoice and be glad in it. Psalm 118:24

It’s almost two in the morning, and I realize I must have fallen asleep early again. The house is peacefully quiet, and I want to do everything I can to not wake my family. So, I’ll settle at my desktop and write a little about why each new day fills me with joy.

When I was in my twenties, my mom essentially sent me into exile. She had no idea how her reckless decision, based on a lie, would impact me and my kids. My mom was aware that the world was a harsh and unforgiving place to navigate with a family. And she knew it’s even tougher without a support system. Yet, she still sent her child and grandchildren into it unprepared and unprotected. I remember crying a lot during this time.

Money was tight, and I had no clear career path, feeling like hope was out of reach. Without family support to guide me, I struggled to find my purpose. I was going through a string of relationships, searching for love, but often felt taken advantage of. That’s when God’s hand moved, and I was led into therapy.

Throughout my journey, I saw multiple therapists. One therapist stands out for telling me, “I don’t get why you’re so comfortable staying stuck.” In hindsight, it was heartbreaking—he didn’t realize that being mentally stuck felt like my sanctuary. It wasn’t until a decade later that his comment sunk in. And it was then that I began to make strides in changing how I moved throughout my life and the lives of others.

I made plenty of mistakes, but God’s grace was always there for me, each and every day. From the challenging life I struggled through, I learned about grace. I started sharing this lesson with my children. Grace became the reason why my children and I understood what family truly means. Let’s pray!

PRAYER

God, thank you for every day to make a difference in our lives and the lives of others. Amen

Removing Fear: The Importance of Prayer for Enemies

“But I say unto you, Love your enemies, bless them that curse you, do good to them that hate you, and pray for them which despitefully use you, and persecute you;” Matthew 5:44. KJV

Why is praying for your enemies important? Well, before we briefly discuss the topic, good morning from the Rocky Mountains of Colorado!

I’m not sure about your perspective, but I don’t enjoy making enemies. I honestly try to avoid doing so whenever I can. Also, I often find myself trying to make others happy, becoming a “people pleaser” most of the time. It’s a role that makes me feel terrible when I know the person doesn’t deserve my kindness.

I think that creating a peaceful prayer environment involves letting go of any fears that hold us back. So, let’s invite the Holy Spirit to guide us in our prayers, as we truly need His support and guidance.

PRAYER

Holy Spirit, praying a peaceful prayer for our enemies can sometimes be difficult, but we thank you for guiding us. We invite you to join us as we speak with the Heavenly Father. Help us approach the Throne of Grace with sincere respect and gentle kindness, knowing your love makes all things possible. Father, God, you understand what my enemies need to draw closer to you. You know how they can find the peace their souls long for. We kindly ask you to enter their lives without delay, and your presence will be deeply felt by everyone. Amen.

Finding Peace Amidst Envy: My Personal Reflection

that you may be children of your Father in heaven. He causes his sun to rise on the evil and the good, and sends rain on the righteous and the unrighteous. Matthew 5:45

Hello! Life is usually remarkable, but yesterday, I was briefly in a funk. The woman inside of me gave myself 24 hours to process the emotion of envy. Especially since I knew what bothered me didn’t have a lasting impact on me, either directly or indirectly. So, what triggered envy within me?

Long story short, a messy, deceitful, and mean-spirited neighbor is moving out of Denver before me. When I saw the for-sale sign being placed in her yard, I instantly felt upset! My emotions were all over the place! I experienced a mix of guilt and shame over my envy. And! Sadly, I couldn’t contain those runaway feelings!

Watching my rival move away is really difficult, especially since she’s heading to a town I’ve always dreamed of living in. However, I truly believe that God wants me to sincerely wish her all the best. I’m not there yet, but I’m gradually working on it and staying positive!

I’m documenting this as it happens. I’m giving myself 24 hours to gain more confidence in my own journey. This change will alter my outlook, and I expect spiritual growth to follow.

My attitude toward a real enemy reminds me that everyone faces challenges. Seeking help and forgiveness is a positive step forward. Let’s pray!

PRAYER

Father God, sometimes forgiving others can be really hard, especially when the pain runs deep and the wounds feel overwhelming. But I know you understand everything we’re going through and why we feel the way we do. So, I entrust my hurt to you, asking for your help to heal the wounds that seem so heavy. Please bless my enemies on their journey, and let your grace always be with them. Amen.

The Journey to Serenity: Building a New Home in Nature

For this very reason, make every effort to add to your faith goodness; and to goodness, knowledge; and to knowledge, self-control; and to self-control, perseverance; and to perseverance, godliness; and to godliness, mutual affection; and to mutual affection, love. 2 Peter 1:5-7

Hello from the stunning Rocky Mountains of Colorado! As many of you know, I’m holding loved ones close in prayer, especially someone who struggles with drinking. I’m also praying about finances. I am working towards building another home that will be mortgage-free. I am also moving from Denver/Metro.

I will always love Denver. The surrounding areas, like Lakewood, Westminster, Arvada, and Littleton, hold a special place in my heart. Towns like Niwot and Timnath are also dear to me.

Honestly, Denver was once a city that had a charming small-town feel. For example, drivers made it a habit to let other drivers change lanes without rushing them. Afterwards, the grateful motorist responded with a wave of appreciation. And! The driver who didn’t mind allowing someone to get in front of them simply responded with a nod. Their gesture clearly meant “you’re welcome.” Now! It seems like accidents are happening on every corner! And, I’m finding myself seeking routes with less travel, even if I must pay tolls.

PRAYER

Sometimes, people find themselves longing for things they haven’t fully understood yet. When they finally make such dreams come true, they can face difficulties due to their lack of knowledge and understanding. This can make things more challenging for them and those around them. Lord, I pray that you show us how to guard our hearts from wandering souls in growth. Amen

August 8th 2025

Carry each other’s burdens, and in this way you will fulfill the law of Christ. Galatians 6:2

Wow! I’ve been busy this summer working in my garden and doing yard work. I just looked outside and saw that we have cloud cover! Yeah! That means I can finish several projects easily. Recently, I have been praying for someone I love who drinks too much alcohol. Each day, I ask the Lord for guidance on this person’s behalf. I want them to overcome this harmful habit that probably started with trying to fit in. Let’s pray!

PRAYER

Father God, Creator of the Universe, thank you so much for blessing us with a new day. We dedicate this day and every day to loving You and praising You with a grateful heart. Lord, please gently reveal to our loved one their deepest fear that keeps them connected to alcohol. Help them face this challenge with courage and self-understanding. This way, they can be free from shame, guilt, or judgment from themselves. With Your unconditional love, please help them find a way out. This will allow them to be free from something harmful to their soul and body. Amen.

Prayer for America: Seeking Guidance in Troubling Times

Good sense makes one slow to anger, and it is his glory to overlook an offense. Proverbs 19:11

Yesterday, on our way home, my husband and I saw a group of white people harassing others on Arapahoe Road. Because it was near a medical and business campus, I guessed they were upset workers. I turned to my husband and asked, “What are they annoyed about now?” He remained silent, focused on the road. As we approached, I caught a quick glimpse of one of the many signs that said, “Release the Files.”

Release the files! Honestly, only in America do you find people eager to dig up sordid details about someone who has passed away. Their petty demands show they are Democrats still looking for reasons to impeach the current President. But they will regret this in the future, as they will be defeated once more. They do not realize they are not his only opponents. America’s president faces more serious enemies than just a few protesters holding signs. These are people seen as rumor-mongers who pry into the private, dirty laundry of strangers.

If America’s current president were listed in Epstein’s files, someone would have leaked that information by now. Yes, there are photos of him attending at least one of Epstein’s parties. However, the image only shows him standing with Epstein, not a teenager.

It is often observed that, at times, Americans show a greater sense of entitlement than total rationality. Let us, thus, offer our prayers.

PRAYER

Father God, it seems that the American people have strayed from their spiritual path that focuses on you. As a result, this has led to the belief that our nation is in decline. We humbly ask for Your divine protection over our country. Guide us to focus on what truly matters. Enlighten us on how to work toward maintaining our prosperity despite ongoing uncertainties. Amen

Effective Prayer for Complex Family Connections

I praise you because I am fearfully and wonderfully made; your works are wonderful, I know that full well. Psalm 139:14

Good day from the Rocky Mountains of Colorado! I’ve been busy with garden chores and shooing mosquitoes away. I’ll tell you! I miss my Mosquito Magnet. That device truly works at clearing spaces of biting, blood-sucking insects. Well! I’m switching gears: I’m not sure why God has placed Phil Robertson and his family in my path.

Over the past week or two, Phil and his family have shown up on my YouTube feed. As a result, I try to watch whatever appears to understand what God wants me to learn about family, faith, and Him. Especially since my oldest and I are not speaking because I have chosen to wish his two middle children well and keep my distance from them. I know my decision might seem unlovable for a grandparent, but I was never allowed to be one. Sadly, they grew up to perpetuate the environment in which they were raised. I dislike mindsets that show entitlement and greed, especially when linked to family expectations.

Sidenote: My son and I are talking for now, but anything, even a puff of wind, could cut off communication; therefore, I will enjoy the moment for what it is. Let’s pray!

PRAYER

Lord, family is a complex group built around bonds, with many ups and downs. Heavenly Father, we humbly ask for Your guidance, both as individuals and together, to help us understand that everyone is uniquely created and has expectations that match our innermost selves. In other words, please help us to respect and love individual differences. Amen.