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Financial Hardship Help

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Last Updated: May 24, 2024

LIFE STARTER KIT

My financial crisis is as follows: I’m 26 and living with my parents. I was a full time stylist working for great clips for two years until I was diagnosed with cancer. I had to go through chemotherapy and everything. Now that I am in remission, my body can no longer handle the constant physical labor. I can only work about 3 hours at a time and my body gives out. All of my personal income is to pay for therapy. Growing up, I never had any friends. I have CPTSD from the intense bullying and sexual assault from my school environment. My mother is narcissistic and controlling. She is able to do so because I live with her for a mere $250 a month and she gets groceries sometimes. I cannot go anywhere without her knowing where I am.  Circumstances have only in the last 4 years or so have given me one very special friend. They have been very patient with me and this friend I made has helped me feel more comfortable to be myself and do what’s right even if it’s uncomfortable. My mother doesn’t like that I call her out for being hypocritical or controlling of my sister. Also, if I want to be anywhere but with extended family or my workplace, she will manipulate me into thinking I am slacking off, choosing friends over family, etc. She has offered to pay for my therapy, however, since she is controlling, she will insist that I share what I learn/do in therapy because she is paying for it. I cannot get work anywhere else because I cannot afford a vehicle. There are no options for biking or public transportation as I am in a small town.  My friend (let’s call them Jordan) is also trying to get out of debt and is living in a trailer and is closer to town. There is a spot open next to them. Jordan’s good friend and business partner has his dealer’s license and flips/sells trailers. He has found a trailer that came from a dealer who went bankrupt. This trailer is a prowler and only two years old, never been used. The tag on it says $49,000. Because Jordan’s friend knows my situation, he is willing to sell it to me for $27,000. This dealer (let’s call him John) also has a truck he got from the auction for $4,100. Both of these are extremely rare finds. The fact that they were found within a week of each other is.. I mean it can’t be luck at this point. Because John likes and trusts Jordan so much, he told me he’s willing to sell me both the truck and trailer for $30,000. Because I haven’t had an income worth noting in the last few years because of cancer, I am unable to get a loan from anyone. Despite my 741 credit score. I believe this opportunity is from God because I have been trying really hard to be closer to Him and to be a better friend and sister. I have to learn to not be so afraid of people and lead my own life. The location the trailer will be is closer to town so I will be able to work more shifts! (Another reason I can only work three hours is because I have to walk 5 miles to the salon…no vehicle)

If anyone can help me out please do! I’d at least like to get the truck so I can live out of it while I work more! I hope to pay back the $30,000 in full plus interest. I need to start my new life and am unable because of my situation. I just hope this story can reach someone able to help.

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 23, 2024

Struggling Teacher

Hello,

I am a special education teacher and I have spent way to much money on my classroom. I started this school year in a district that did not supply me with anything I needed to teach my autistic kindergarteners. I had to spend my own money on the basic items needed to teach these students. I already was in debt from buying things for other classes but it got out of control this year. I have definitely learned my lesson and will be using different donation sights from now on but I could really use a reset button. I am trying to pay off around 20,000 in debt and could use all the help I can get. www.paypal.me/AlyKat3

Thank you so much in advance.

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 23, 2024

New Life Direction

I am a disabled veteran with a wife and four kids. I was in Healthcare for 15 years total and unfortunately lost my job during the pandemic.

I explored my options and wants and was encouraged by my friends and loved ones too pursue something that works evolve my art since I have been an artist my whole life. I ventured into the realm of tattooing but am currently practicing out of my house with clients.

My wife introduced and encouraged the idea to build a studio in the backyard. I was able to buy some of the supplies but am here as a shot in the dark to see if I could possibly obtain any monetary assistance in helping me in my new life direction and endeavors.

At the very minimum I’ll even take your warm wishes and good luck in my evolution.

Thank you.

https://paypal.me/assistanartist

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 23, 2024

Needing Help To Take Care of Bills and Repairs.

I am finding myself in a difficult situation. I am a 51 year old man from Missouri and I am not the type to ask for this kind of help so this is involves me swallowing some pride, but due to the situation I am in I feel I am running out of options. I lost my job due to my direct superior essentially stabbing me in the back. I filed for unemployment but my benefits were blocked by the company based on what she said and I had to a months long fight to appeal it but that too was denied by the state. I had to then use the small amount of money that was left to me by my mother after her passing. I have not received any interviews or any contact from companies that I have applied to so far for a new job and the money is running out. Unfortunately none of my family or friends are in a situation where they can help me take care of my situation even with a promise to pay back what is borrowed. Things are getting desperate and by my figures I will run out of money by the middle of next month. I am essentially at the point of choosing between paying bills and having food.

I do have one opportunity to kind of get myself back on my feet with a small property sale but that will not take place for at least 2 months at the bare minimum. What I am needing is just some money to pay bills and get groceries until this happens. By figuring these bills I have determined that I need about $8000. This includes a vehicle repair that I really need to get taken care of as soon as possible, prescription medications that will need to be refilled very soon, and repairs to a leaking roof on my home. I know that I can stretch that out for the time that I need it for. I have no kids at home so I cannot qualify for most assistance programs.

This is not something that I ever thought that would ever have to do and honestly is hard for me to do. I had always hoped I could be in the situation to help others. I thank you for reading this and considering my request and God bless you all for helping me and the other people who come here for help.

paypal.me/DLHiler

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 21, 2024

Widowed Senior Finally Asking For Help

Hello. My name is Terry.

First, let me take a moment to thank you for viewing my request. I appreciate you taking the time to consider helping me. I have never been one to ask for help, especially financially, but I have nowhere else to turn.

Let me tell you my story. I apologize in advance for the length of it but I want you to know exactly how things are since I am asking for your financial help.

I’m 66 years old and, like most people my age nowadays, I can’t afford to retire so I’m working full-time, living paycheck to paycheck.

Several years ago I was hit by a car while crossing the street. The impact sent me through the air to the other side of the street. The only thing I remember is suddenly being on my back on the other side of the street. The paramedics said if I had been 2 inches further I would have hit the curb and broken my back. As it was, I had a haematoma in my right leg and a permanent injury to my lower back.

In 2020, the job I had aggravated that injury to the point where I could no longer work. I went on medical employment insurance and my doctor said I may not be able to work again.

That same year, in November, my wife got sick and had to stop working. Her feet swelled up so bad, and she was in so much pain, that she could not walk. I was able to borrow a walker with a seat to push her to the bathroom and back. Doing that seemed to help my back and I was able to function better. However, my wife, misdiagnosed by our family doctor, did not get better. After a visit to Emergency, the doctor on call was able to find the problem. They flew her to a hospital 4 1/2 hours away. This was during COVID so I wasn’t allowed to go with her.

She went there on Sunday and died Tuesday night from complications. A blood clot (the real cause of her illness) moved to her lungs. Her blood pressure had dropped too low to perform surgery and, by the time that it improved, the clot had reached her lung and she was gone. The nurse was talking to me on the phone at the time. She said they had been trying to revive her for half an hour. She died 2 months after our 25th wedding anniversary.

I was in shock. I felt like my heart had been ripped out, like my life was over. The woman I had spent the last 25 years with was no longer there. For the first time in a long time, I was alone.

I went into a deep depression. My friends tried to help by bringing me meals but I couldn’t imagine life without her. I thought about ending it but couldn’t bring myself to do that so I somehow carried on.

However, my income was now less than half of what it was before and I was still on medical employment insurance. I asked my landlord for a reduction in rent so I could stay in the apartment. It is the cheapest place in town. They gave me a $50 reduction.

Unfortunately, I couldn’t pay my creditors. I called them all and tried to work with them, asking for 2-3 months to get back on my feet, but they just wanted their money. So, I had no choice but to file a Consumer Proposal to stop them from harassing me. My car loan didn’t want to go that route, though, so they repossessed my car, leaving me with no transportation.

In March of 2021 I got COVID. It was the worst sickness I had ever had. It lasted 2 long weeks and there were 3 days where I actually thought I was going to die. It was that bad. To make things worse, I was now alone in my apartment.

In September I finally got a job. I worked there for 1 week and had a heart attack. They flew me to a city 8 hours away and put 5 stents in my heart. My employer was nice enough to hold my job for me but I could only have 2 weeks off. My cardiologist said I should take 2 months but I couldn’t afford to do that.

For the next several months I was a zombie. I had no energy, couldn’t think straight, and wondered why I didn’t end things when my wife died. Again, I went into depression.

I went onto some pen pal sites because I felt I needed someone to talk to. I helped a few people with their English skills because I like helping people and that distracted me a little from the pain of no longer having my wife, but it was only a temporary solution.

Then I met Victoria. I wasn’t looking for another relationship, not after losing my wife of 25 years. But Victoria was sweet, kind, and extremely understanding. We messaged, emailed, exchanged photos, and talked on the phone, and discovered that we had much in common. Our view of life, of relationships, of how marriage mates should treat each other, was in complete harmony.

I never expected to find someone after losing my beloved wife but I fell in love with Victoria. She was from a foreign country but her English was quite good. She told me about her life and I told her about mine.

I made my situation clear from the very beginning: I had no savings, no house, no assets, and would not be able to help her with a visa. She didn’t care about any of that. She was just looking for someone who would love her from the heart, be honest with her, faithful to her, so we could spend the rest of our lives together.

Victoria has made me happier than I’ve been in a long time. I still miss my wife. That will never change. And, of course, I still love her. That will never change, either. But now I have a chance to be happy again, to share my life with someone again. Victoria has said that she wants me to give my deceased wife the biggest place in my heart. How many women are that understanding and caring?

So now we would like to get married. She has been trying to get a visa to visit me but with the backlog of applications since COVID it hasn’t materialized yet. However, I did manage to get a visa to go to her country and the plan is to be with her at the end of August of this year.

I have calculated the expenses that I need to maintain things here while I visit her, along with the travel cost, and have been saving as much as possible. But I am coming up short. She is willing to pay for the wedding (it will be a civil ceremony with a small celebration with her family) but I need to get there and maintain things here so we have a place to come back to once we’re married.

I have calculated that I will about be $2,194 short. Without this money I will not be able to make it.

If you can help in any way, even a small donation, I would be forever grateful.

I have been given a second chance at love, something not everyone gets. I just need a little help to get there.

Thank you for reading my story. I hope your life has as much happiness as Victoria has brought to mine.

Sincerely,

Terry

paypal.me/in2blues

 

Filed Under: Uncategorized Tagged With: Canada

Last Updated: May 20, 2024

A Plea for Support from a Blooming Artist

To my fellow artists, writers, creators, and anyone who appreciates and values the arts: I come to you today with an open heart and a humble request for your support.

As many of you know, pursuing a creative path is often a labor of love rather than a path to riches. The muses that inspire our work rarely provide a steady paycheck or a roof over our heads. For years, I have poured out my soul onto the paper or computer screen and into the written word, fueled by passion rather than monetary gain.

Until recently, I was able to get by through a combination of odd jobs, the generosity of friends and family, and sheer determination. However, a series of unfortunate circumstances have left me in a precarious position – I am now faced with the very real problem of homelessness.

It pains me to ask for help, as I have always strived to be self-sufficient and to let my work speak for itself. However, the reality is that without a safe and stable living situation, it will be incredibly difficult for me to continue creating and sharing my art with the world.

I am humbly reaching out to those who have supported me and my work in the past, as well as to anyone who believes in the importance of nurturing creative expression. Whether it is through a small financial contribution, sharing my story with your networks, or simply offering words of encouragement, any support would be deeply appreciated and could make all the difference in allowing me to continue pursuing my passion.

I recognize that times are tough for many, and I do not make this request lightly. However, I truly believe that art and creativity have the power to uplift, inspire, and bring joy to people’s lives – perhaps now more than ever. With a stable living situation, I would be able to focus my energy on creating new works and sharing them with the world.

From the bottom of my heart, thank you for taking the time to read and consider my plea. Your support, in whatever form it may take, would mean more to me than words can express.

With eternal gratitude,
F.M.Vega 3rd.
Cashapp tag
$ALDPLUS

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 19, 2024

64 year old forced into retirement at 62 due to covid

Hi my name is Timothy Miles I’m 64 years old and I retired at 62 due to a layoff because of covid pandemic. I managed to Pay off my house through some serious budgeting efforts on my part. The problem is my house needs several repairs and I just can’t raise the funds to pay for the repairs. I cannot return to work due to issues I face because or cancer. I am in treatment and will be for the rest of my life as it can only be controlled not cured. last year there was a pretty bad storm that tore several shingles off my roof. I put in a claim with my insurance company, whose name I won’t mention, but they estimated that the repairs would be under my deductible. I spoke to a contractor, and they did their best to convince my insurer that the house would require a total replacement due to city codes, but my insurer just would not budge. Now I am stuck with a tarp covering the spot until I can come up with the money to fix the damage. the other repairs that I need are mostly due to the age of the house and I am asking for help from some kind person or persons in the amount of around $30.000. I have never asked for help like this in my life, but I just don’t know what else I can do. If you would like to help my pay pal is paypal.me/wahnika

Filed Under: Uncategorized Tagged With: USA

Last Updated: June 2, 2024

Operating Entirely In Faith Concerning This Matter I Am Tired

First thank you for entertaining my request as this is not my norm and may be going about this all wrong. I Am real in every sense of the Word with hopes of finding a resolution concerning this matter and I have provided information to prove who I Am, knowing you must perform your due diligence. I Am an individual who does not know, what I do not know though willing to grow forward. Now that my nervous energy has been calmed, I Am Antonio B. Lane Sr. originally from Atlanta, GA. living in Memphis, TN. I Am married to my wife of 33 years with 3 sons and a grandson that is 15 months old. I Am no stranger to hard work as I have two full time jobs IRS (civilian pay technician) and Adesa recently acquired by Carvana (security officer). Several years ago my only known sibling, my sister, Valencia P. Lane had a heart attack and stroke due to her bout with lupus since the age of 19. Our mother Toni R. Lane-Kirkland lived with her and she was making payments on her home every two weeks and by the time of her death three years from the date of purchase, she had paid a $400,000 mortgage down to $225,000. Before she died she was dealing with marital issues where her husband William Lane (Yes she married someone with the same last name) was unfaithful and abandoned her having an outside child. A couple of years passed and she died and we realized that the Bank (Wells Fargo) sold the home because my sister failed to have either of us as a beneficiary. Since then I have been involved in a motorcycle accident where I was left for dead and my attorney found the woman though she had no insurance and still hurting from that. Recently we visited my soon to be 72 year old mother refuses to move in with me and my wife in Memphis, TN and is living in a boarding house. During our trip home to the Atlanta area we consolidated my mother’s things into one storage unit and I noticed that she was having issues remembering. Though she does not want to live in the house with me, I want her closer as she has too many health challenges that I want to lay eyes on as often as possible. I would like to build or buy a home in my area as I own an acre and a half between two properties that are adjoined (5313 S LOUISE RD) and (53100 W NORMA RD) which will require clearing. I will soon be 54 years old and would like to replace one of my incomes with possibly building rental properties on the land where I would work full time and my mom could use one of the units as I can give her the freedom she desires at a comfort that I can better handle. This may be a drop in the bucket to some, a step of faith for others, or a combination of the two, regardless of your reason, I Am grateful for your time, consideration, and assistance concerning this matter.

https://operatingentirelyinfaith.godaddysites.com/

My PayPal is : ablanesr@gmail.com

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 18, 2024

Will you give what you can?

Hi! My name is Tiffany. I’m 30 years old and my partner and I have been struggling on and off for the past four years now. We are living in one of the poorer neighborhoods in Hartford, CT. Food is very hard to come by here. As we are basically living in a food desert. We are so tired of barely getting by and trying to catch up. We’ve been trying different ways to accrue funds, but we can only do so much working full time and both being disabled. We also do not have any family to help. From all the bills we have to pay and people that we are trying to help, it has become too much for us. Most days, we barely know what and when our next meal will be. In addition to this, we also have pets that need our love and attention. It’s difficult to do this, when we’re not able to give them everything they need and that includes being there for them. We’re looking to raise about $3000, but of course any donation helps. It also shouldn’t take long us to raise it. We just need enough funds to get out of this hole we’ve been suffocating in for too long. Will you please help us? My PayPal name is paypal.me/TiffanyEmbden. I sincerely thank you in advance for your donation.

 

Cheers,

Tiffany

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 18, 2024

I Got Scammed out of my last Dollar

For the last 15 or so years, every time I try to do something online I get Scammed out of my hard earned Money.  I’ve been SCAMMED out of more than $150,000 USD over that time period and never recovered a dime.  I was recently SCAMMED by Earnwisepro.com as I tried Bitcoin Trading.

I just need enough money to rebuild my life so that I can try to start some kind of business and get a decent used SUV,  then drive for UBER or LYFT or take my grandkids fishing an swimming.   My daughter’s boyfriend kicked me to the curb simply because he didn’t want me around after he stole all of the GOLD jewelry my mother, and father left for me as well as my own gold jewelry.  So I became homeless.  I had moved into a camper that belonged to my longtime friend but his wife evicted me without a reasonable cause and stole some of my personal things like my big 55 inch TV, an old electric guitar amp, some blankets, a vacuum pump, and my upright freezer full of food.  She flat refused to give any of it back, claiming that I owed her back rent of which was a total lie.  I only have a small car and that stuff was too big for me to haul and by being disabled, I couldn’t do it by myself anyway.  My friends wife even made false statements that I was faking my disability claiming that I was just too lazy to do anything.  Every time I try to get ahead, I get knocked right back down twice as hard.  I don’t know why?  It seems that sooner or later I’d just give the hell up.  But that’s not my nature.  I want to get ahead, because then, I’d feel more like a man when I can stand on my own two feet.  I’d then be ready for love again but how can I support someone else when I can’t even support myself?  So I sit home, lonely as it can be with my computer and 19 inch TV and ROKU.  That’s my life now and I wish it was much better at least in the eyes of my grandchildren.  As it is they see a sick old man who can’t do much.  And that sets a sad example for them and makes it look like there’s no hope if you’re old and sick.  My wish is for my grandkids to always remember me as a loving caring person who did stuff with them.  I’ll be homeless again soon unless I can get some financial help.  Thank you    paypal.me/jr481955   or  $Charco1955

 

 

 

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 17, 2024

Having to file bankruptcy

Hello. I hope you are doing well.

 

I’ve been living on my own for about a year now, but I was unemployed for some time before I moved away from a toxic boyfriend. Not being able to properly save the money up set me back quite a bit, as well as getting COVID and having to take multiple days off work, and just recently, my cat needing surgery (thankfully I was able to set up a payment plan for $40 a paycheck). I’ve struggled to make rent payments and generally pay to survive, but I’ve made due mostly with the help of loans. Unfortunately I’ve also struggled to pay those loans back.

 

Now one of those companies is suing me. My lawyer is advising that I file chapter 7 bankruptcy, but it’s going to cost me $3,500. If I put the money aside to save up, it’ll take me almost a year. However if I don’t file it asap, my wages could be garnished or my bank account frozen entirely. Lawyers are apprehensive about filing bankruptcy before they have their money, due to the fact those fees can be discharged, but filing chapter 7 was deemed the best option due to the amount of debt that I have, as I also have some credit card and medical bills still due.

 

As someone who is struggling to make ends meet but is surviving currently, having my account frozen or my wages garnished would make it impossible for me to live on my own. My family is hard to live with, and moving back in with them would be detrimental to my mental health. I would also lose my job, because I’d have to move too far, making it even harder to save up for bankruptcy as I’d face a period of unemployment.

 

I don’t have a washer and dryer in my home, so I’ve gone long periods of time either hand washing or not washing my clothes at all to save money, as well as showering less. I’ve let my bills go longer without paying them for some leeway. I just got paid and due to everything coming out of my account, I have $100 to last me two weeks. And when I get paid next, almost my entire check will go towards rent.

 

If you could spare some money towards a woman who has only tried to be able to pay her bills, I’d be forever grateful.

 

PayPal: https://www.paypal.me/Sopherra

 

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 17, 2024

Just Want to be able to Provide for My kids

I grew up in the poor part of a very rich country on the East coast of United States. My parents separated in my early teens. My brother and I were latchkey kids after my dad left. We had very little rules and very little discipline. Where we group up, the wrong crowd was pretty much the only crowd there was to be a part of. We were exposed to drugs, alcohol and crime in our late teens. We dropped out of high school as did most of our friends because we wanted to work. Our mom although still married to our dad was a single struggling mom. My brothers got into an altercation with some of our “friends” which resulted in a home invasion. I was held at gunpoint while watched my brother get stabbed two days before my 18th bday. We all had undiagnosed PTSD after that and sort of lost it for a while. We lost our housing not too long after.  My mom went to a shelter while we all rented rooms. I got involved with a man who lied about his age. He was a narcissist, compulsive liar and abusive. He was really 11 years older than me and would give me alcohol at 17. Told me to tell all his friends I was older.

I became pregnant at 19. I was brutally hit repeatedly in my face while pregnant and almost when into pre-term labor. I became a mom two months before my 20th birthday. After that I endured several years of mental and physical abuse. I became homeless during that time. My son and I were in and out of the homeless shelter system for two years. After that, I was blessed with a housing voucher. I was very messed up from the PTSD and abuse but I still kept trying and always maintained work. I finally had enough of the abuse and got away from that evil man. I did try to go to culinary school however faced a turn of events. Ironically I had switched to part time work to go to school however 3 mos later the company faced economic problems and had to let me go because they couldn’t afford to keep me part-time. They offered me unemployment but to qualify for unemployment you have to be able, available and willing to work full time. Being a full time student disqualifies you for that purpose. I also became pregnant again at that time (age 23). The school said I couldn’t attend culinary school while pregnant. I had to make a choice and still needed means to support my son and future baby so I quit. I was very depressed for a while.

My grandma had passed away right before I got pregnant. My mom used her hands inheritance to buy a house with my brother (who conned her into letting him be on the mortgage). At some point after having my daughter at 24, my apartment became roach infested and I kept getting very bad sinus infections every couple months. I have asthma and my doctor told me I was very allergic and living there was making me sick. The housing voucher was only good for that apartment and wouldn’t let me move so I gave it up and went to live with my mom.

That house became toxic for me and my kids though. I only stayed there for two years. I got a job that was flexible and understanding of my mental health as well as me being a single mom. I was able to rent a house for me and my kids. My mom basically disowned me after that, didn’t want anything to do with me or my kids. My main goal in life to be a good mom and give my kids the best life possible. I was very stable and even got promoted to a higher position at my job. I met the man of my dreams as well.  Then in May 2019 my dad who I hadn’t seen in 12+ years was all the sudden dying of cancer in Cuba. I emptied my bank account went to see him only stayed 5 days. He passed away two weeks later.

I tried to make amends with my mom but she refused. She loved her things in her house more than me. She claimed if she left the house my brother would destroy her things. I was hurt but I still tried again and invited to thanksgiving dinner. She actually accepted but then passed away the week before Thanksgiving in Nov 2019. 6 mos after my dad passed away. Not only am I riddled with PTSD, anxiety and depression… now add grief to the mix.

My dad never sent us a dime after he left, he never wanted to know my kids. He didn’t have anything to leave us when he died either. My mom did help me a lot in my life and helped my kids but in the end disowned us and didn’t want to spend the last few years with us at all. All my mom had was her house, it was supposed to be split between 4 children but guess what? That brother that conned her still lives in the house. It’s not a million $ house nor 1/2 million house but it’s something better than nothing. He refinanced and gave us each 1/2 of our share but we have yet to see the rest.

Anywho. After Covid life got kind of crazy. Didn’t lose my job but my partner and I decided to have a baby so I had to take a pay cut to work remotely. Now I still don’t get any financial help from my oldest children fathers but he helps me a lot. We don’t drink alcohol or do drugs we’re just hard working people. He has two kids from previous relationships and has a hefty child support payment so I just take care of my older two on my own financially. I did put their dads on child support a long time ago but neither of them pay consistently and it’s been two years since one has paid anything. I tried to give up on them and just focus on making more money so I can give my kids a better life but it’s really hard in these times. Cost of living plus inflation, plus having 3 kids is just a lot.

My partner and I were able to get a homeowner’s grant to assist with a down payment on house.   We were not able to buy a brand new house in the greatest condition but it’s live-able, affordable and it’s ours. All of the nicer houses would have been way outside of our budget. We got a home warranty and little by little are trying to make repairs, it’s just very expensive and hard to make ends meet. A wise man once told me you’re either filthy rich or dirt poor, there’s no middle class anymore. Unfortunately we fall into in the latter category.

I have maybe $20k in CC debt. Much of which was used to supplement groceries. We pay $2400 in mortgage. We each have a car payment, plus insurance. We spend maybe $1200+ on groceries/toiletries for 6 people. We buy regular, and cheap, no organic. We don’t have a dryer in the house and the washer doesn’t work. The repair request for the washer would be $125 and we may get enough to replace the washer but would still need another $700 to get the stackable dryer. I spend $60-$80/mo on laundry for me and the kids. He spends maybe $40/mo.

The house still has original cabinets from the 70’s. I get so many splinters often because they are just not good. Replacing them would be $2k and that’s cheapest we could find estimates. We need a bigger shed for storage since we don’t have a basement, just a crawl space. A decent Shed would at least be $1000 if not more. (The houses with basements were 20k+ more than ours). We also have a water heater that makes so much noise because apparently something broke on the inside. It clanks back n forth and makes so much noise. It needs to be replaced but noise isn’t covered under warranty so we just deal with it. We don’t have $4k plus to get a new one.  The kids need clothes and shoes as they are growing constantly. Clothes and shoes for 4 kids (my three and my partners son) would be like $1k if they each had a $250 budget. We can’t afford vacations since we bought the house but I’m ok sacrificing vacations for equity. We just won’t see much equity until we’re halfway through our 30 yr mortgage.

I also just lost Medicaid, the state offers insurance but low deductible low co pay plans are $350-$400/mo which I can’t afford.I also can’t afford high deductible/high copays or to pay out of pocket. My job doesn’t offer any benefits at all. Thank God my kids are still covered. I do need to go to the eye doctor for glasses/contacts. It would be $100 for 3yr eye care club plus $100 for glasses plus $350 for a year’s worth of contacts (you get a discount if you buy a year’s worth, without discount it would be $475). I just can’t really afford it.

We’re trying our best here. We pay the important bills of on time but still live paycheck to paycheck. We are having a hard time making ends meet and being able to afford house repairs, medical, gas and stuff for the kids. We don’t eat out all the time, I cook meals the majority of the time. I try to be frugal and buy as cheaply as possible.  We are not lavish people that have to have name brand everything and let alone $200-$300 pair of shoes or articles of clothing. I usually buy myself $20 or less jeans from Sam’s club.
I’m not asking for a certain amount or enough to cover everything we need just hoping someone wants to be a blessing either to our house or our kids so we can all live a little more comfortably. Anything would be a huge blessing and I hope to make enough money one day to be a blessing to someone else. My dream is to become a business owner.
https://paypal.me/arod05711?country.x=US&locale.x=en_US

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 17, 2024

SO DESPERATE! I’m willing to put my business on blast!

 

 I am so desperate I don’t know what I don’t know where to turn I am so far in debt I feel I will be living in the streets again or worse yet feeling I won’t be able to keep my word to myself.

 I really hate asking anyone for anything. I was taught, don’t let anyone see your weakness cuz, it could be used against me. Of course I have many issues apart from being broke. Yet, I have many more talents to offer. I have two bachelor’s degrees. I’m a quick study, I approach problem solving by thinking outside the box, I’m detail-oriented, I’m bilingual, resourceful, and a good mediator, like the old saying goes, jack of all trades. To understand how it is that I haven’t worked for a little over 2 years is beyond me. Never mind- race, gender, age, background, credit, health, no vehicle, and unable to get the covid vaccination.  I knew before I was released from prison. That’s right prison.  I knew it was going to be hard. I was taught anything worthwhile  is going to take time. My thought was to get a good paying job. But with that, I needed to go to college, although I am dyslexic.  I just knew with a good paying job, I wouldn’t worry about money bind and I wouldn’t worry about old belief, “ By any means necessary…”   then I told myself   I would only make money in a legal manner. 

 Anyhow, I let my son move in with me because he was having difficulties. He has to pay child support which takes a thousand dollars out each month, health insurance, and taxes he was unable to fend for himself let alone for us.  I let him know we’re in this together. I know my son, he’s not used to seeing me in this predicament. So when receiving  looks and all the flack and disappointment written all over his face. I have to remind myself of the promise, plus I refuse to end up where my dad has been all my life. 

So this is where I tell you my financial  issues. I have $82k of student loans debt, I need operations on both of my shoulders, allergies which I can’t get covid vaccination, 3 months behind on rent,  bills,plus no vehicle. I’m left feeling insecure and almost defeated. Then I start thinking, I will lose all that I’ve gained again, for the fifth time.  Plus I’m pushing retirement age and to start over again!. I have nothing to leave or give my kids when I go. I feel I’m running out of time to show my kids what legit has to offer. I fear they will look back at my life, to see then versus now and choose immediate gratification and settle instead of bearing witness to the possibilities of self-creation has to offer.

  This brings me to this point, asking for help to pay, my back rent it’s  $3,500,  my electric bill $550, my water bill is $375 and to reconnect my internet $625 for the possibility of working from home and for  a reliable vehicle to get  us back and forth to work, about $6k-7k.  I believe $13k would give me breathing room. And if I would be so fortunate to have student loans cleared away. To keep this cloud from lurking in the background, would be beautiful. I don’t know how I would act…. I just might have to cry, drop to my knees with gratitude and give honor and thanks for the grace that has been given. 

 I ask for forgiveness for my lack of ability to articulate properly. Also I want to  thank you for the time and consideration in reading my plea of desperation. Hopefully, I receive help with my financial issues. $inga1b cashapp.

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 15, 2024

Please Help Us Become Sustainable

My name is Todd. My wife Amy and I could really use some help.

I’d first like to state that we’re very creative people both personally and professionally, we love what we do, and enjoy exploring the limits of our potential. We’re both very active and take good care of ourselves. We have so much that we are grateful for and our efforts are geared toward growth and longevity being a positive force in our little world.

Over the past 27 years I’ve built a solid reputation for myself professionally. I have quite a diverse and highly practical skill set, and as I have moved through my career, I have found enrichment in encouraging and growing the next generation of leaders in my field. I work hard at this and am very satisfied professionally.

Amy is an artist with an amazing creativity that is driven by a love for nature and particularly birds. She has spent her life making the world a more beautiful place. When she’s not creating original works of art she works for an interior designer and stages homes. A few years ago, she started picking up shifts in one of the local restaurants to supplement her earnings while grounding herself in our local community.

Amy and I are empty nesters now and we live a very busy, but simple life. I love to cook, so I make most of our meals. We walk the dogs together in the afternoons, and on weekends I build projects in the garage (many are bird feeders to serve Amy’s passion). Amy spends most of her free time painting and sculpting, and she loves to garden.

The point is, we genuinely appreciate our lives and we’re grateful for all that we have.

Where it is not ideal though, and what we need help to change, is the “death by 1000 cuts”financial situation we’re in.

We’re on a treadmill of earning for debt repayment that has no end. I’m working 50 hours a week and Amy is working about the same between her two different jobs.

We have a combined high interest debt of about $60k in addition to our mortgage and no way to save for retirement and no safety net for emergencies.

We are hoping to find generous people who can help us get out from under this debt burden.

With some help clearing the past debt, we could become truly sustainable and pivot our focus from constantly worrying about financial hemorrhaging to saving for our future.

Thank you so much for taking the time to read this. Just the fact that you’re here says so much about your heart and your empathetic drive. People like you are what this world needs most.

PayPal.me/Buildforgood

Filed Under: Uncategorized Tagged With: USA

Last Updated: May 15, 2024

Need Help with Bills

I’m a hardworking American but as we all know times are tough nowadays and I’m behind on my car by a month and don’t want to risk it getting repossessed. I am also behind with utility bills and have trouble sleeping at night cause the anxiety of wondering how I’m going to get caught up on everything. If you could please help me so i don’t have to have restless nights worrying if my vehicle will get repossessed or the utility’s shut off I’d forever be in your gratitude. https://paypal.me/JFrank146

Filed Under: Uncategorized Tagged With: USA

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