We often hear “I need money now” for rent, food or bills – not an easy situation to be in. See our advice below.

Emergency Rental, Food, and Bills Assistance Programs

How to get help with rent?

At times, many families find themselves homeless, or unable to continue to occupy the premises of their choice. This may be due to fire, accident, storms or many other causes, but often it is merely a problem in paying the rent. Illness that forces a breadwinner to stay home, or loss of a job; any and all of these conditions can put a family in need of temporary assistance to tide itself over until the members of the family find themselves again in a position to pay their own rent without the need of subsidising or other rental assistance.

Agencies have been set up in many parts of the country to help in this regard. Non-profit organizations, these charities, such as The Salvation Army, as well as some governmental agencies are often able to offer emergency rental assistance for families who are being evicted by a landlord, or who simply have no way to pay their rent at the moment. Realizing that landlords, despite the old cartoon imagery of a rich greedy person feeding off the work of renters, the vast majority of landlords are not really making a profit at all on the current tenant. This is only a stopgap so that the landlord may pay the monthly house payments in the hope of some future profit if housing increases in value some years later. If the tenant can’t pay the rent, the landlord may soon find himself in the same position with regard to the lender. Lenders do not want to hear sad stories.

Although these different programs for rental assistance may be available, much depends upon the funding at the moment. Some programs quickly run out of money and are simply unable at the moment to provide further help to persons in need of assistance.

The vast majority of families in need of temporary rental assistance are those to be found in the low-income range; seniors, disable persons and children are among those most often affected. Others too, faced at one point or another with a temporary emergency may qualify for assistance in these cases.

In most cases, those in need of longer-term assistance, persons who have not been gainfully employed for a considerable length of time with not prospects for the immediate future may not qualify for rental assistance under these temporary emergency programs.

Those more likely to receive aid are persons who are able to convince interviewers of their willingness to do what is necessary to get back on their feet along with the ability to do so. Since emergency funding is considered a short-term “fix” for a crisis situation, the grants may be only issued for a few days, perhaps to defray the cost of a motel room, pending the applicant’s ability to find other lodgings.

Therefore it is important, in most similar cases, for the applicant to show the interviewer the imminent possibility to become self-sufficient.

Most non-profit agencies as well as other agencies attempt to work closely with rental assistance applicants to help them with any additional support as needed depending upon each applicant’s situation. Often applicants are further given counseling and referrals to other agencies that may be more helpful to an applicant.

In such cases, any additional services rendered are free to the applicant in crisis. This may include lack of employment and such other problems that may arise such as medical emergencies. Most agencies participate in these endeavors as well as teaching applicants the processes involved in applying for governmental programs, immediate rehousing and how to apply for Section 8 vouchers as well as information about low income housing, and assistance in paying the security deposits that are almost universally demanded by today’s rental market.

Since the goal of all similar agencies to to render aid to persons in immediate need of emergency housing and other crisis situations, the funds issued to applicants for rent or other necessities is only meant to allow the applicant extra time to deal with the emergency. However, at the same time, applicants will normally be provided with support in the long term to guard against similar future emergencies.

If you have an eviction notice or expect to be unable to pay the rent in the immediate future, or even realize that you need to find less expensive living quarters, now is the time to apply for assistance. Often with early application, money may be available to catch up unpaid rent as well as other options that may be explained to you.

Assistance may also be available to help with the security deposit, the initial rents and even moving costs. In some cities non-profit agencies may offer other emergency assistance to those in crisis. These funds are normally paid out on a one-time basis. Depending upon the location, resources that may be in place for housing crisis families can be wide-ranging.

Potential applicants are advised to find the telephone numbers as well as any other information available to them and educate themselves about the different programs that may be able to help with emergency assistance.

Not only non-profit private agencies, but many governmental agencies, are able to provide interim assistance, depending on the locality. Massachusetts has a program called RAFT, while in Texas a rental assistance program called TDHCA is available. Florida has a similar program called EFAHP and in Connecticut their program is called RAP. Many other government programs around the country also offer assistance to pay rent or a portion of overdue rent in their ongoing efforts to reduce the growing threat of homelessness in their particular communities.

Another program, called the Federal Stimulus Program is a little-known program through which our federal government provides billions of dollars across the nation to provide rental assistance for qualified applicants. These funds have become invaluable to families that find it increasingly difficult to keep up with the rising costs of rent and other housing needs.

HUD the Housing and Urban Development, agency works throughout the country as well. A number of families approaching two million are able to use this program, a program that can not only help those in need to pay their rent and/or security deposits, but HUD can issue vouchers to provide temporary housing as well as providing assistance to senior citizens and the disabled to keep up with overdue rental payments.

These programs not only offer grants to help pay rent, but the government Rent Voucher Program aids applicants to seek housing in the privately owned housing market.

These agencies can, generally, offer legal advice to those facing eviction. Every year millions of people receive free legal advice and assistance to educate them with the eviction process and their rights as well as responsibilities. The government provides funded Legal Services Corp. which provides attorneys who may mediate a solution between landlord and tenants in addition to advising tenants of their rights as well as help them apply for Section 8 or other assistance and another positive aid they offer is help and counseling on housing discrimination.

Counseling may also be provided to help applicants apply for government and/or private grants. Money is available for many of these crisis situations.

It is the goal of these agencies to prevent evictions wherever possible. The federal government as well as the many non-profit private agencies strive wherever possible to help applicants remain in their current quarters without the fear of being summarily evicted. Often these agencies are able not only to prevent evictions, but subsequent lawsuits that may be brought against a tenant. Alternatively, the agency may be able to find more suitable and affordable housing for an applicant facing eviction.

Many churches too offer funds that can help those in short-term financial difficulties. United Way and The Salvation Army are only two of the better-known charitable institutions that may be able to offer help when needed. Generally they give priority to those living in apartments and facing short-term financial crises.

A good number of other national and local charities are ready to help with the expenses of rent and other essential needs as well as providing case management and many other social services. No all charities have ready money all the time, but even those may be able to help by helping an applicant with information about other resources and assistance in applying for free grants to pay overdue rent.

Other agencies that often provide help might be, for example, Catholic Charities, Social Service Offices, United Way, the American Red Cross, the Legal Aid Society and as mentioned earlier, The Salvation Army. Aside from these examples there exist many other emergency aid agencies for those who are able to become informed.

While most of these programs provide only short-term emergency aid, they are designed for the most part to tide a family over until a longer-term solution becomes available. Often these same agencies will be able to direct qualified applicants to resources that may assist them in finding an apartment or house for more permanent security.

It is important however, during these times of crisis, to keep in touch with creditors and the applicant’s current landlord so they understand what you are doing and what you expect to accomplishment. It is important that the applicant be extremely honest with everyone about the situation and it may sometimes be possible to have monthly payments temporarily lowered, or even be allowed to skip a monthly rental payment. Other plans may be devised and put into place to avoid being evicted.

It is well-understood that not only landlords but other creditors too are much more willing to cooperate with persons who are up-front with them, honest in their discussions and show a willingness to cooperate and do whatever they can to improve with situations.

How to get help with bills?

Ask The Energy Company

if energy bills are the source of the hardship, then the energy providers’ own in-house programs are often the quickest way to help rearrange and meet repayments.

LIHEAP: Low Income Home Energy Assistance Program

This national program’s focus is on subsidies for repairs, weatherproofing and utility bills that families cannot afford to pay.

LIHEAP covers any energy related home repairs for low-icome families, including seasonal expenses like air cooling systems and winter heating bills. The local LIHEAP office is the first point of contact for those in need of energy or utility assistance. Eligibility varies from state to state.

WAP: Weatherization Assistance Program

The WAP is a federal grant organized by the Department of Energy that helps needy families improve their homes’ energy efficiency, and has assisted over 7 million households across many states, territories and Native American tribes since its inception in 1976.

According to the DOE guidelines, a household with anyone over 60 is eligible for the WAP, as are legally recognized disabled people. Most states make families with children eligible, and the website for the WAPTAC (Weatherization Assistance Program Technical Assistance Center) can advise others if the grants are available in their area, and whether they qualify.

LifeLine Assistance: Free Cell Phones

Americans in need of a cell phone plan but without the means to maintain one can get assistance from LifeLine Assistance‘s free phone program. This is indeed a lifeline as daily life and business in particular is practically impossible without a mobile phone.

LLA is an FCC mandated scheme offering a free cell phone with at least 250 monthly minutes included. It’s available in the 49 states, Washington DC and Puerto Rico, and typically requires a household income below 135% of Federal Poverty guidelines. For some states it is below 150%. Eligibility varies across participating states, with slightly different rules around qualifying income.

Other sources of help are available at state government level, or many national and local non-profit and charity organizations, and the energy companies themselves.

How to get Food For Free?

It doesn’t always require money to eat, and there are many ways to gain free food without adding to your debts or joining the 10% of Americans who have resorted to shoplifting. Ask people you know, or traders and restaurant and store owners.

Above all it’s important to explain why you are asking for food: because you can’t afford to eat. And not to be critical about what food you eat. Without a certain amount of money, there is no longer the choice of what to eat. So meat may become harder to get or if meat’s all that’s on offer and you are a vegetarian, it’s best to accept it with thanks.

Grow Your Own, Share With The Community

The most sustainable – and satisfying – way to provide free food for yourself is to grow it, and you can start with just seeds if you live in the country or with just a small space in the city. Guerrilla gardening is an interesting urban option, more organised community gardens and allotments can share space and expertise for growing, and seed swapping communities among gardeners are a good source of materials and encouragement.

Ask A Farmer

Out in the sticks there won’t be the option of stores and restaurants as a source of food, but ask any farmer and there’ll be some left on the fields that they didn’t or can’t sell. Many will let you pick these leftovers.

Food Banks

A rapidly growing movement in the United Kingdom and US is the organized and charitable distribution of food to those who can’t afford it. Most of the food is donated, and food banks are one of the easiest ways to obtain some nutritious food. Many banks have conditions for who they can give food to, but there is no need to be ashamed about visiting one.

Links to Food Banks in various countries

United States /United Kingdom /Austalia /Canada /Ireland /New Zealand /South Africa

Offers and coupons

Online and direct from the stores, many coupons are available to promote new products. And companies across the United States send out free samples of new products. They’re unlikely to provide a healthy, balanced diet on their own but could supplement free food from other sources.

Waste Food

In an affluent country there is an abundance of unsold or waste food, and a little social interaction and resourcefulness can unlock access to a surprising amount of it.

Ask at the market

Often around closing time, stall holders will sell off any remaining stock for next to nothing, and it’s always worth telling them you have no money and asking if they’ll give you something for free. You can often pick up some fruit or salad, and if they can’t offer anything, thank them anyway and ask at another stall.

Free Supermarket Food

Ask at the big stores and you’ll be too far down the chain of command: “My boss doesn’t allow us to do that” will be the usual answer. So smaller supermarkets and neighborhood stores are a better option, where you can talk to that boss. You may find warmth and generosity among Muslims and immigrants to the West who run stores.

Restaurant Leftovers

It requires some patience, a little nerve and a bit of practice, but it’s possible to get free, professionally prepared food, even a table to sit and eat it at. Restaurant districts in cities are obviously the best place to try this, and expect a success rate around 5%, so it requires persistence, but will sharpen your bargaining skills, and who knows where else that could lead?

Turn up at a restaurant after the busiest time but not too late, and explain that you have no money and ask if they have some left overs in the kitchen. It can help to have a container such as a plastic box ready in case they do have something, and if they’re friendly and can’t offer anything the first time, maybe they can put something aside the next day.

Searching and Foraging

It grows on trees, on the ground and some seasons there’ll be abundant fruit and tasty plants such as dandelions or chickweed. Even cities can produce some tasty wild food, and anyone near downtown Seattle has access to America’s first Food Forest in a major city.

Dumpster Diving

Growing media coverage of the colossal food wastage at supermarkets and restaurants has made it much less weird, and more popular, to search through the dumpsters in search of some quality food to turn into a meal.

Last Updated: September 23, 2021

Raising my Grandson Alone

I have this handsome grandson of mine. I have had him since he was 6 months old. He is now 13 years old. I lost my husband in April of 2010 we were together over 20 years. It’s had been tough.

I met a guy now my husband in june 2018 we had been talking since this time every day. He is foreign. He loves my grandson greatly and my grandson loves him as well. Me and my grandson went to see my now husband and his family for 2 months before covid hit. My grandson had a very good time and really enjoyed his time with my husband. We went for a boat ride, my grandson got to drive the boat some, crocodile park, he rode on a motor cycle, played soccer. All these things he has not got to do or enjoy with a father figure before. My 1st husband died when my grandson was 1 years old. Me and My husband now tried to do a K1 – visa with my mother as a sponsor. so he could come be with us here in the United States. I thought my friend was helping us with this process. but come to find out she was jealous and called the consulate and lied so his visa would be refused. We are sadden by this knowing the situation a person could be so hurtful . My grandson is so hurt about this. My grandson was looking forward to a man figure finally in the home. I went to my now husbands hometown July of this year we got married.

My mom died of covid August. Now I’m without a sponsor to do CR1 Visa to help get him here. My income is not quite enough to get him here . If I could please get some help with donations or sponsor to get him here so we 3 can be together in one home as a happy family. It would be greatly appreciated. By the three of us.

Donation address:

Paypal.me/deeya929

Thank you for your time.

Last Updated: September 23, 2021

Help With Hysterectomy, Rent & Studies

Hello, my name is Carolina, my story is quite sad and it is the first time I publish it. I will summarise it as much as I can.

People have abused me since my childhood. My mother beat me daily with belts, wooden clogs, she pulled my hair out, dug her nails into my arms and threatened to hit me worse if I said this to someone, a promise that of course she kept. I counted the days that she didn’t hit me. She used to tell me “useless”, “stupid”, “idiot”, she even made fun of how I played with dolls. Once a month she used to go through all my drawers and threw away everything I had. However, in my heart she is forgiven, but the most painful thing is that today she denies everything. My father was an alcoholic and he did not get involved in such matters.

I grew up thinking that it was the treatment I deserved and I got a partner who treats me with economic violence, indifference, does not value or respect me, makes fun of me and publicly humiliates me, I am absolutely invisible to him. He has cheated on me countless times. He is what is called in psychology an integrated psychopath because he appears to be a saint and people believe him. He also denies the mistreatment that he has given me all these years.

I had two daughters with him(15 & 12 years old), whom I love and adore, we get along very well and I behave as the mother I would wanted to have.

With the little money I have managed to make, I began to study Psychology, thinking that along the way I would find a way to continue paying for those studies, be able to get a divorce and go live with my daughters in another apartment. Well, currently my husband and I are separated, but for economic reasons I continue to live under his own roof.

He has a lot of money and an excellent job, but he has never helped me financially. Neither my daughters nor I receive money for our expenses, we do not have access to any account, nor to cash. But this is not since the separation, it has always been that way (more than 20 years). I used to talk to him a lot about it, but then I understood that it was the way to dominate and keep us in submission.

I know I realise many things very late, but I really wanted to save my marriage and built a nice family. But it’s matter of two, not only me. Now I want to get away from this man.

I’ve been doing web design jobs, but my income isn’t enough to pay for my college or a rent. I built an online store, but I also need to pay for advertising to achieve sales.

I have been working and studying daily from 6am to 8pm for more than 2 years, weekends included, and at the end of each day I feel satisfied for trying, but empty for not having results and not achieving my financial goals to get out of this relationship, continue paying my studies and have a surgical intervention of three big fibroid I have.

I have 3 large fibroid, (9cms, 8cms and 3cms) that are not allowing me to have a normal life, due to the pain and the exaggerated and constant bleeding that I present. I am about to leave my studies in Psychology for the same reason. But above all these financial difficulties, the main one now is my health and I need this surgical intervention, since I can hardly do anything because of this. I requested a budget in Venezuela, since the operation is cheaper there and also my gynecologist is there. I also count on the emotional support of my uncles, who do not have many resources, but they will be able to take care of me during my stay and provide me with a bed in their house. I would go to Venezuela by car.

The budget of the surgical intervention looks excessive as Venezuela’s currency is devalued daily. Today August 25, 2021 (1US $ = 4.125.000,00 Bs) The budget for the operation is around 2 thousand US $.

It is very hard to talk about this and even somewhat embarrassing. But the truth is that I can no longer find what to do. I feel like I swim and swim, but I never get to the shore.

Thank you for reading and to anyone who helps me I will be infinitely grateful.

Paypal is: paypal.me/cosentinoliz

Last Updated: September 23, 2021

LAST RESORT

Well I’m not sure where to begin, but I’ll start by saying that I’m not just trying to get something for nothing. I am a manager at a fast food establishment and I work very hard. I guess what happened is, that I brought someone else into my home trying to help them and now they are gone and I am drowning. I guess we’ve all heard the phrase hindsight Is 20/20 and oh how true that is. I don’t like to believe that I’m naive, but I guess to some degree that has to be true or I wouldn’t be in the situation that I am now. Let’s backtrack to a year ago. I was having some problems with my knee and had seen a doctor, and was scheduled for surgery on my knee last July. Now I had saved for this procedure knowing that I would be off of work for at least a month so I was all right, or so I thought. One of the other managers where I work had recently transferred from another store and volunteered to come check on me periodically and make sure I didn’t need anything, and that I was okay. Now I believed this to be a very kind gesture and accepted graciously, only to find out they were ulterior motives behind her offer. At the time she did not have a vehicle of her own, so since I was down for a month and she was going to be helping me, I allowed her to use my car. I pretty much gave her free rein. I guess I just didn’t see the forest through the trees, and how she was manipulating me, because I was grateful for her help at the time. I was living in a trailer, a small two-bedroom trailer, my cat and me, perfectly content. Now on this property, my landlords had another rental that was larger. It was a three bedroom trailer right next door. Now somehow or another between her and my landlord’s, they convinced me that moving into this other trailer with her would be beneficial to us all. It would save me rent, and my landlords would be making more, and since we both worked at the same place, we could ride together to work, therefore helping her with her car situation. Win, win, win, right? Wrong. Come to find out, her lifestyle and mine we’re quite different from each other. I like to be at home by myself with my cat. I am content with that. She on the other hand, wanted company all the time, traffic at my house, just not the kind of life I wanted. Apparently my landlord’s didn’t approve either, because what ended up happening is them wanting her out. Now all the while telling me that is soon as she is gone, I can move back to my other trailer and put my life back where it was prior to her jumping in. Now in the interim, she’s fighting them tooth and nail and refusing to leave. This puts me in a predicament, because my landlord’s refused to believe that I was trying to keep to myself, and not involve myself in whatever shenanigans she had going on, and thought I was trying to cover for her, for whatever reason. Now they are threatening to evict me as well. At the end of the day, my landlords were tired of it all and decided to wash their hands of both of us. So packing up, I’m not really sure how it all came to this or, what I’m supposed to do as I don’t have any money saved, thinking I was going to go back to my old home. Had it just been me, I would have just left and slept in my car and washed my hands of her, but I had my cat, and as silly as that sounds, my cat is my life. I love him more than anything, and couldn’t bear to give him away. So, thinking I can pull myself out, we get a motel room for two nights to think things through. This turned into a month. Now at the beginning of all this, I had really good credit, and when things started to get financially strained with this motel room situation, I went and got a few loans, well, 6 to be exact. Now I am in debt up to my eyeballs, I can’t keep up with my loan payments, and my car note, much less save up to find somewhere else to live. I have since gotten out of the motel room, and I’m staying with a co-worker temporarily. They have given me a month to try and get on my feet, and I’m a week and a half in already, and I don’t see myself pulling out in time. I need some help, I don’t know where else to turn, or who to ask. I am $300 negative in my bank, I am two car payments behind, and I have about $600 worth of loan payments a month, that I can’t keep up with. If I could consolidate all my loans into one big loan, with one monthly payment, I could probably make it, if I could catch up my car payments and my bank account. However, since I have acquired all these little loans, my credit rating has gone down, due to the inquiries and length of time I have had the loans. I’m not behind on any of them just yet, but I’m worried I’m going to lose my car, and I don’t want to do that. I need to find somewhere for me and my cat to live in 2 and 1/2 weeks, and I don’t see that happening either, without some help. I don’t want something for nothing, I have worked very hard for everything I have, and if anyone out there is willing to help me, any at all, I could not express to you my gratitude, but if there were a means for me to repay once I got situated, I would be glad to do it. I am humiliated and mortified that I have even had to consider this is an option, but I am at my wit’s end and don’t know what else to do. I do believe in God, and the power of Prayer, and I know he looks out for his children. So I know that even if this does not provide any financial relief for me, that I will be okay. I want to thank, in advance, anyone taking the time to read this and consider helping

me.https://paypal.me/lisadtarlton?locale.x=en_US

Last Updated: September 22, 2021

Raising My Grandson Alone

I have this handsome grandson of mine. I have had him since he was 6 months old. He is now 13 years old. I lost my husband in April of 2010 we were together over 20 years. It’s had been tough.

I met a guy in june 2018 we have been talking since this time. He is a foreigner and loves my grandson greatly and my grandson loves him as well. Me and my grandson went to see my now husband and his family for 2 months before covid hit. My grandson had a very good time and really enjoyed his time with my husband. We went for a boat ride, my grandson got to drive the boat some, crocodile park, he rode on a motor cycle, played soccer. All these things he has not got to do or enjoy with a father figure before. My 1st husband died when my grandson was 1 years old. Me and My husband now tried to do a K1 – visa with my mother as a sponsor. so he could come be with us here in the United States. I thought my friend was helping us with this process. but come to find out she was jealous and called the consulate and lied so his visa would be refused. We are sadden by this knowing the situation a person could be so hurtful . My grandson is so hurt about this. My grandson was looking forward to a man figure finally in the home. I went to my now husbands hometown July of this year we got married.

Last Updated: September 22, 2021

Mother and Daughter Miracle

A year ago my family’s life got turned upside down. I was 30 weeks pregnant with my youngest daughter (actual picture attached) when my pregnancy turned for the worst. I entered the hospital for developing gallstones. After a few days of my surgeon going back and forth about the difficulty of gallbladder removal surgery while so far along, everything fell apart. I ended up with pancreatitis from a stone blocking my duct. On Aug. 7th I was rushed to ICU where my situation declined to the point of almost certain death… I went septic. That night in effort to save my daughter I had an emergency tableside c-section right in my room. The hospital has never seen a woman survive this trauma.. alas here I am to speak of it. Early Aug 8th my daughter was taken and after 7 1/2 minutes of chest compressions she finally took her first breath. Although I was not able to see this happen she went on to fight for her life in the NICU while I fought for mine. I woke up.. couldn’t see.. couldn’t speak and wrote as best as I could on a clip board with a marker “is baby alive”. I was aware of what happened and after confirmation that she had made it I fell asleep. I was intubated for 2 weeks.. put on a tilting bed.. pumped with so many fluids I gained 130 lbs and was unrecognizable. One day I came to.. although completely drugged out of my gourd recovery started. I won’t get into all of the gory details of my countless surgeries and procedures, but I did have to have a hysterectomy while my uterus was necrotizing and countless drains put in and taken out of my body… the most I had at one time was 7. In late September I was deemed well enough to come out of ICU and get placed in step down, about a little over six weeks after I pretty much died. On that same day someone came into my room with a wheelchair and asked me if I was ready to meet my daughter. Yes you got that right.. I was not able to see her the whole time I was in ICU per hospital policy. I stayed with her as long as I could possibly stand sitting. The next day she got to go home to her Daddy. Heartbroken since I just saw her for the first time, but the proudest I have ever been, she left while I stayed. I thought I was never going to make it out of that hospital alive. Almost a month later (mid October) I finally got my release. I went home with a piccline for intravenous antibiotics 3 times a day and 4 drains still hanging out of my left side. I could not walk.. I could not pick anything up.. I could not go to the bathroom or bathe myself.. worst of all I could not hold my beautiful 2 year old or newborn baby girls. I was all of 110 lbs soaking wet malnourished and the weakest I have ever been.. I had to learn everything all over again which was hard, very hard. I continued to get better and have regular doctor visits, lost all of my hair by Christmas (scary) and in January was even able to accomplish the surgery to take care of the root of all the problems and get my gallbladder removed. FINALLY. I had insurance, but considering the length of my stay and the care I needed to make it out of there I am still left with a very hefty bill. I don’t even want to give the exact amount, because it doesn’t seem real. Here we are a year later… I have finally got the clear to go back to work a couple of months ago and I have! I also am doing physically well and do my best to make up my lost time with the littles any way I can with love and play. I am so thankful for this and honestly feel if I had chosen any other hospital my outcome would be very different. We even had the privilege in honoring the nurse who didn’t leave my side that night and the following day with the well deserved Daisy award for her effort in saving my life. (Although I was not mentally present for these actions she often came to my room to check on me and talk to me for a while and it was no hidden secret the heroic effort she put into this process) All this being said on top of the remaining bill insurance didn’t cover without working for however many months you can imagine the major debt I am drowning in with almost every other bill you can think of. I have never been well versed on asking for help, but if there is anything I’ve learned surviving the unthinkable is that sometimes you just can’t do things on your own and it takes a village. I am spilling my story and personal life in hope of getting any help possible to get my head above water. I am working hard, full time and doing the best that I can, but the amount of money I owe everywhere is just too much for me to handle. Every little bit helps and the gratitude I have for anyone even reading my story this far is something I couldn’t even put into words. I am in collections for my credit cards which I unfortunately put last on my list of priorities in trying to make sure my family has a roof, electricity, water and heat. I am behind on a few of these necessities, but slowly chipping away. I do have copies of my hospital bill, credit card collection letters and past due utilities. Please if anyone has the means to offer a little financial help my family would be so appreciative and if and when I am finally out of this financial mess I will be happier than ever to pay it forward. Thank you for the time and support.

Oh and an update on my youngest daughter Aubrey.. she was all of 3 lbs when she was born.. she is a happy and healthy almost 20 lbs growing and flourishing… the strongest person I know <3

https://www.paypal.me/msjessyk

Last Updated: September 18, 2021

Please Help Me Live a Normal Life Again

Hello, I am seeking monetary help from anyone that could help me.

In 2018, I obtained the help of a lawyer to assist me with not losing my home, which is a 4 family unit. The lawyer I had was found with the help of an associate that actually knew the lawyer, went to school with her. At the time I was at my wits end, little did I know the disaster I would face after obtaining her help.

The lawyer helped me to fight foreclosure by helping me to find a loan to not only pay off overdue city taxes but to also renovate my home as well. Things seemed to be taking a positive turn until I had to find a contractor.

Again, my lawyer assisted me in finding a contractor since all of what was going on was the type of practice she ran. The contactor was found and everything again seemed to be looking up for me.

The contractor was given $100,000 began the demolition and renovation work but, every time I went to my home (I was living with a friend at the time), the contractor was never there. I would arrive early in the morning and in the afternoon hoping to see him. To much avail, that never happened. I even called a few times and couldn’t reach him.

I called the lawyer and told her that I no longer wanted the contractor working on my home because he was never available and never at my home. I bought locks, changed the locks ending all access to my home.

Now, back to the drawing board for a contractor. This time I found a contractors who worked consistently from May 2018 to October 2019. My house was not complete. It wasn’t completed because the funds from the loan had run out.

The amount needed to complete my home is $150,000. The majority of that amount of money is what was given to the ghost contractor.

Although I spoke to my lawyer frequently, and was reassured that everything will be completed, everything will be okay. I was told to ha e faith and be patient I had faith, I was patient…. Then, my lawyer disappeared on me.

I didn’t understand what was going on. Then I learned, my lawyer and the ghost contractor was in cahoots and that I was the victim of a crime. Not only was the money gone, the lawyer I had, was disbarred during the time she was my lawyer” for fraud.

I have been living in a home with minimal electricity, no running water, no working plumbing, since October 2019. If the money was there, my home would be fully livable, but it wasn’t therefore it isn’t.

I have been trying to find funds via grants, loans, etc. but I either did not qualify or no one wanted to help. Since the house was not finished, I can not gain income to pay taxes which thankfully because of covid was postponed. Yet, I still seemed help and was denied every time.

I admit $150,000 is a lot of money but it is truly needed to get my house finished. To have the basics that many take for granted. To have electricity, plumbing, to take a shower, not a bird bath, to be able to cook….to have a home again.

I don’t want to lose my home. I grew up here. I feel so betrayed and feel so stupid…. I am at my wits end.

I am hoping that someone could find it in their hearts to please help me. If you can help me, I would like to thank you in advance. Thank you so much for helping me.

My PayPal is: Paypal.me/ForevaCinn

Last Updated: September 17, 2021

Could you help me?

Hello everyone,
I am a 35 years old male living in Korea.
Would you like to hear my story? My parents made and sold agricultural pesticides. But when I was 10 years old, they both passed away in a car accident while delivering. So I lived with my grandmother, and she also passed away three years ago. My aunts helped me until I was in high school student,
and after that, I worked part-time to make a living.

I studied well, but I didn’t have enough money to go to college. So I’ve been working on a construction site as a worker for 15 years. I am not rich, but I have lived without lack. However, since the Corona crisis, the work hours have decreased and life has become increasingly difficult. Although I received the subsidy from the government, the amount was too small and there were many cases I did not receive the subsidy because did not qualify for it. I’m going to get kicked out because my current house’s rent has been delayed for two months. And hard to even eat one meal a day.

I thought about committing suicide because the situation was so hard, but my girlfriend was in the back of my mind and I couldn’t. I didn’t want to make her sad because she was a grateful person who stood by my side during difficult times. She also lost her job due to Corona and is going hometown.

I’m going to moving to a new area and I’m looking for a job. I think need about 2000-3000 dollars to cover the overdue house’s rent, various utility bills, and moving expenses. I can’t find a place to get help, so I’m posting here. Could you help me?

Thank you for reading my story and I will pray for God’s grace to be with everyone who has helped me.

Here is my Paypal.me link: https://paypal.me/yjkim7749?locale.x=en_US

Last Updated: September 16, 2021

single dad with cauda equina syndrome

Hi. I am a single dad and have been for 9 years. I was in an accident 5 years ago and was ran over by an SUV on my right side. I fractured my right wrist in 5 places and my right foot in 7. I also had back pain but it had gone away a month after. I worked on and off getting state disability in between because there was months when I was in so much pain, I could not work.

2 and a half years ago while lifting something, my L5 disc ruptured and pressed against my S1 nerve. By the time I got surgery I had severe nerve damage. I lose feeling and gained numbness in my left leg, inner thighs, my private areas and my butt. I have advanced arthritis in my right wrist and foot. It hurts so much and feels like it is going to snap. My wrist locks up. I fall up and down the stairs. My family watches and can’t do anything about it. My ankles feel like they are going to break and my left leg is getting even worse because I can’t put weight on my right leg because the break was in the middle of the foot and putting too much weight on it as I stride on it feels terrible. I can barely walk sometimes and I hunch a little forward to get the pressure off my lower back. I have to use a cane in public or I will fall. I hardly get any sleep because I can’t get comfortable and I usually wake up in pain cause while I was asleep, I got into a bad position subconsciously.

I am in so much pain I can’t work. I have 2 teenage kids to take care of. I am already on medical and ebt. I have been denied social security disability 3 times now and am awaiting a 4 panel review. I was told by the neurosurgeon that pain medication won’t help. It will just temporarily hide the pain but it will be worse when it wears off cause I will move as if I am ok. My doctors say I am disabled, neurosurgeons say I am and they all say there is no way I can work. I even had to be excused from jury duty. I can only sit for 2 hours, stand for 15 to 20 minutes and then I have to lay down for 4 hours or more. If I try to do work even a child can do, I sound like I am dying to breath and the pain gets worse. What I have, Cauda Equina Syndrome, is not curable. There is also no cure for dead or damaged nerves. So how can I work a full time job to provide for my kids?

I fought 7 years to get my kids back just before my accident. Took all I had financially and emotionally. I will be out of money by the end of August 2021. If I do not get help by then, I will be out of a house I share with my parents and brother. They are already paying for most of the house and can’t financially do more. I don’t want to lose this house and force my kids to go back to the terrible home they had with their mother where they were neglected. I have no one to help me. I have I think 3 or 4 more months till my review is done. The government won’t help me and I have no one to ask for money from. I don’t even know if I will be approved and then back paid for the 2 years I have been fighting. I might be denied again and then 2 years worth of money gone cause my case will be closed. Then I will have no hope for help. I was hoping people would be kind enough to help me before me and my kids have to be on the streets because we lost our house. We have nowhere to go. If anyone can help, I would be more grateful than you know. I don’t want to lose my kids.

I added my medical paper to show I was treated for CES. I can also provide a book full of medical records if I need too. I am asking for whatever anyone is willing to give. $1,000, $5,000, $10,000. Anything would help. I just don’t know when I will get money next with SSD playing their games.

https://paypal.me/rcoatsaj?locale.x=en_US

Last Updated: September 15, 2021

Reposting: Homeless Broke and 20

I am reposting my story because I forgot the link. This time I will make it shorter.

I am 20 years old, diagnosed with borderline personality disorder, got kicked out of my home 3 times this year.

I am in a lot of debt from when I was homeless, to paying my therapy which is 800$ a month, and also paying off previous debt that I had. My mother and my step father do not like me, and they kicked me out even after I had tried to commit suicide and was hospitalized for the 5th time this year. They were not able to be there for means every argument was always about money when I told them I was struggling.

I am ruined emotionally and I have been feeling like suicide is my only option. I am not able to get approved for a loan and I make 1700$ a month from my job, which barely covers my expenses which I’ve reduced because of my debts. The only thing I pay for is literally my therapy, though when my mother asked me to come back home she promised she’d pay for but has not contributed to it, she told me this after I signed a contract committing me to the therapy.

My father has not been able to help me, and she keeps telling me to ask him for help knowing he cannot provide. I have not been in a good environment and I am looking to be debt free, move out on my own so I can get better as well as disconnect myself from her and her family.

I want to thank anyone in advance because this really will mean so much to me. Anything helps, ideally I am looking for around 10,000-15,000 so that I can cover my debts and my therapy for the next 5 months ( 6 month contract) and move out. Your contribution will literally make me so thankful.

I hope this helps get a clearer understanding.

https://www.paypal.me/thankyoufromliv

Last Updated: September 15, 2021

Homeless, Broke, In debt at 20

Hi to whomever came across my story.

My whole life I have been living with a mother who has kicked me out over any argument or disagreement. My step father supports her actions and it’s very much a two against one. When I was younger I stayed with my dad and my mom realized she couldn’t kick me out much but at my age now, she doesn’t see it as owing me anything.

In 2021, I was diagnosed with borderline personality disorder. I was hospitalized five times and tried to commit suicide twice. The second time I did, my mother kicked me out a couple of days after returning from the hospital and I was bouncing from my grandmas to my fathers to my ex boyfriends. Finally, she asked if I wanted to come home and I said yes and set some ground rules. She promised she would pay for my therapy in order to get better from BPD because I had absolutely no will to live and it is quite expensive and I got put on a shorter wait list to go private versus public. My therapy is 800$ a month and the reason I signed the contract with them to commit was because I was told it would be covered. After I started, she refused to pay and told me that my work insurance will cover it, which it did but it ran out recently. I am in so much debt at the moment and overdrawn because I am paying off previous debts when I was homeless and jobless, and my therapy. I have asked my work for more hours however they have not listened and I am actively trying to find another job. I had to drop out of university this semester even though I do want my degree. I am extremely lost and have nobody to depend on. My father is not willing to help me because he feels it would be giving my mom what she wants, which is for him to take responsibility.

I am looking for quite a high amount of money, because I need to be on my own and moved out, as well as pay off my debts which I’ve attached a photo of, plus my therapy. I get payed around 1700$ a month before taxes from work but it has not covered much of the debt I owe and also I have amounts owing at my clinic.

Anything helps and I really appreciate and wish love and prosperity to anyone who is willing to help me. I am forever grateful for you, please know that.

https://www.paypal.me/thankyoufromliv

Last Updated: September 15, 2021

Social Worker $eeking $ocial $upport -“Distant but not alone”

May 2020: 26yo female I graduated into the pandemic. I knew my profession was never one that would have a substantial financial return; I got my Masters’s in Social Work because I wanted to be a graduate of an empathic profession. I have felt so alone graduating virtually into the pandemic that deconstructed so many of our lives.

Health: During the lockdown, I was diagnosed with hyperthyroidism and anemia. I had no idea that it would take eight months to diagnose as I brushed many symptoms aside to stay socially distant to protect my community. I never thought at 26 I would have medical bills on top of these, my student loans.

September 2021: As social workers, we go to great lengths to understand how our; values, ethics, morals, values, and life, affect our practice. Through this individual introspection, we cultivate the type of practitioner we will be. It’s been a year since my virtual commencement, I have now arrived at a net negative. Right now, through my eyes, my finances seem to equate to my worth and I don’t want to regret my masters. I can’t afford clothing right now and the seasons are changing. I won’t be able to make rent this month. I can not be a good provider if I can’t even provide my basic needs. I promise to pass any help forward as I come to work in our communities as a social worker, I like to say “distant but not alone.”

Bank account $251.34

CC/Medical: 11,013.91

Student Loans $79,685

total= 90,698.91

paypal.me/GFrancismsw

Last Updated: September 15, 2021

Rough Patch

I don’t really know the best way to go about this because I’ve never done it before, nor did I ever think it would get to the point where I needed to ask. However, here we are! I don’t even know where to begin but I guess here goes,

Hello potential donors. My name is Jordan, I’m 24 years old and I am from Ohio. I’ve recently found myself pretty much at the bottom of a slippery downhill slope that started earlier last year. When Covid-19 made its wonderful debut! I was in the midst of the hiring process for a new employment opportunity before everything started closing down and the jobs were scarce if not completely unavailable.

Due to the situation I found myself in a spot where I had to make a very difficult decision. Either willingly move out of my apartment and make a payment plan to pay back due rent over the next year or, Take my first eviction at 23 years old with already when i was struggling enough as it was.

A little bit of back story about myself, I grew up in a very rough home situation. My father was/is a major abusive alcoholic and my mother was a battered housewife with a severe lying problem. My 3 younger siblings and i grew up in a very unwelcoming, unloving, and sometimes downright frightening household.

The 4 of us were always told that if we were going to be anything in this world and if we wanted anything we had to work for it and earn it. I have never been one to try and ask for handouts, especially from strangers. See, my dad would get so intoxicated and come home late at night and fall asleep on our kitchen counters, hit my mom, call her names. He would come after us on some days too, depending on what my mom told him while he was at work that day.

Some days, he would come home and it was right to the beating, yelling, fighting, etc. he would laugh in my brother’s faces when they would cry, and say things such as “oh suck it up fat boy!” I could go on all day about it but that’s not why im here.

I recently had no choice but move back into my childhood home, into the basement of my fathers house with my Fiancé. Her past is even more messed up than mine and im not at justice to even begin to tell strangers her business. Needless to say, we both have had a very hard time being in this house. My father is loud and says mean and hateful things to everyone here.

We’re trying our best to get out of the house but im drowning and i desperately need financial assistance. My fiancé has yet to even get her license because her family havent exactly been super helpful in the scenario either. We dont come from very wealthy families and always had times, many, many times where we have had to go without things in order to get by.

I Started off this year pretty well with a good job making great money! After my living situation changed in a big hurry and ive been back at dad’s My anxiety and depression issues have struck me back in the worst way. I would cry and get ill before work. I had to get help. I took a leave from work to get back on my meds and try to get better but i rushed myself. My first day back to work in a month, i sat in a customers crawl space and bawled my eyes out. I had to quit that job and work on myself.

I can now say with Confidence that i am doing much better than i was in the previous months and have also just got my foot in the door with a great company that im supposed to start work on Monday! But, the bills and surprise expenses have completely drained my savings of any and all funds.

My phone is disconnected, Medical bills for my treatments are piling up, My one and only vehicle has been overdue for maintenance for months now, and i cant even put gas in my tank and I’m worried about how I’m going to get to work and get myself out of this really tough spot.

My father has given me a 2 week notice. I’m about to be homeless and cant even afford my meds. My Fiancé is trying to deal with getting her own treatment for BPD, PTSD, Anxiety, Depression, Bipolar disorder, as well as a host of other things. I owe money for my old apartment still. Im driving my car around with expired tags and no insurance for the first time in my adult life and im really struggling to keep everything in order but i cant do it by myself. With only 1 vehicle and limited funds, only one of us can work at a time and her illnesses are hitting her way worse than mine are since we’ve been in this house.

I cant fix my car to get it through e-check. I cant afford to move into a place on my own with one income and previous debts holding me back from getting approval from anyone without a co-signer because of my lack of credit history, the $450/month extra i have to Pay Courtland due to overdue rent from last year, my meds, doctor visits for both my Fiancé and myself, her meds, food and other supplies to care for our cat.

Ive been beaten down so many times before and failed but ive always come back for more and keep pushing every single day. But ive procrastinated on asking for help and now its getting close to time where i will literally have nothing left. especially if i cant take care of my vehicle situation. I have always been a good person and given money when ive had it to someone who needs it and ive avoided these websites because ive always thought there was someone else that could use it more than me and i didn’t want to take away from those people. I also truly belive in Karma and I and Im very hopeful, yet humble. I am looking to raise $2500-$3000 in order to just start things with a clean slate.

I want to work hard and run with this opportunity and make it somewhere. I have a very high drive to do so much and I have so many ideas. I want to start businesses, learn new trades and tricks to propel myself forward in life and pay it forward someday to somebody else like me who just need a little boost to get back on their feet. Anything and everything is seriously super appreciated and i cant thank anyone who donates enough! If you have any questions or even want to keep up with my progress to make sure you’re making a good investment in me im open to that too. I’ll do whatever it takes.

Paypal.me/Vormel

Last Updated: September 13, 2021

Lost Family Home in Hurricane. Lost everything.

Hi! My name is Christian. Last year Hurricane Laura and Delta 100% demolished our home, deeming it unliveable. My husband, 2 daughters and myself built the home by hand from the ground up using trees out of our yard and a mill to cut it into lumber. We were homeless until April when they gave us a Fema trailer to stay in temporarily. Which is going to be picked up very soon. We had worked with SBP and they told us they were going to rebuild our home, then buy us a mobile home, then never heard from them again. We were so excited, got our kids hopes up all for nothing. So now we are back at square one. Knowing this trailer will be gone soon and we will be homeless yet again. We lost our jobs to covid, had both vehicles break down on the same day, no income coming in, no dependable vehicle, but life doesnt stop. Bills dont stop coming in either. We’ve lost everything we ever owned and never quit trying. After so long, its starting to look like its never going to get better. We had stability, owned our home& property, cars were paid off. Im not sure where to start with what or how much we need. But we are in need desperately. Most importantly we need stability and normalcy back in our lives. A home..A vehicle to get to work and get our daughter to school and work with. Ive worked so hard my entire life and prayed so hard that this would just be a bad dream. But its our reality. Today, our house still sits there, untouched, with 15 years of memories lost forever. If anyone could help. In any way..we just need some sort of hope. Just a hand to help us out of this neverending nightmare. Enough funds to fix a vehicle or replace some items lost. A home would be great but I am not that nieve. But seriously, we just need help in all areas right now. Anything is a blessing right now. I have faith God will send us someone that can help. Until then i will continue prayers and wait for the miracle that will come in its own time. Thanks in advance to whomever has it on their heart to help our family. God Bless

Last Updated: September 13, 2021

Help to restart my life

Hello, I am a 28 male lookin to restart my life. I was laid off last year and I have been dealing with the death of my grandma, father, and uncle all over the past two years. I have turned to negative actions to cope with my sadness and depression (alcohol, retail therapy, and more). I have been at the lowest of lows but I met a girl and she is the love of my life and I want to restart to show her that I can provide for us. I just need some help paying off some debt so I can properly start saving for a ring for her. I have about $8,000 of debt that I just cannot pay for.. I have other debt but I have worked with that to get a payment plan that I can afford. My ask? If a group of strangers that do not know me, but will forever become part of my family and will ALWAYS be able to rely on me (once I restart my life), to lend me some cash.

paypal.me/mucciron

Last Updated: September 13, 2021