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Financial Hardship Help

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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: August 13, 2022

Help me get them out of an abusive situation, by any means necessary

I’ll be blunt; not something I like to do, but this is a desperate time. And desperate times call for desperate measures. I need to help someone escape a controlling and abusive household in Wichita, Kansas, which was just recently sold without their consent due to the Uncle wanting more control over his family and putting the house in his name and leasing it to my friend and their grandmother which he just made homeless without any warning or time to get them out. He wants to put the grandmother in a forced retirement home to her worsening condition so my friend can live with the uncle, and I cannot let that happen. For safety, they’ve asked me not to use their name out of fear of harm from their family. I must get them out of that hell and into the stable company. Their Uncle also just recently kicked them out of their home and forcibly changed the locks to keep them out. They have nowhere else to go, their friends nearby can’t take them in, and all the women’s and homeless shelters are full due to the high heat in Kansas. Their only option now is to get to Houston, move in with me, and find a job that we can go to together for fuel savings. The plan is to raise $2,200 to get them enough money to travel One-way to Houston and move in with me in an apartment so they can escape and breathe. With that amount in mind, it’s for the first two months of rent, groceries and transportation to get to Houston. Heck, if we double it, we can afford a place together and split the cost of an apartment after we get them into the employ of the company I work for. We need as much help as possible to get him out of there. Anything helps but help us by sending what you can and spreading the word.
I have a GoFundMe as well, but progress on it has been nonexistent, and now, we’re desperate to get help and get them out of there. There’s no family near them, and none of that family wants to deal with that abusive uncle who has practically abandoned them to their fate. He’s been forcing them to try and work with him so he can take their money and use them as free labor. Police and other entities won’t help, and now this is our only option to get any real help. Please, help us get to the required amount so I can hurry and get them out of that place. Please, help if you can and can. Attached is the rough itinerary for them. Remember, I have to keep them; their name and gender are hidden for safety. So sadly, no pictures of them, their house or anything else related can be used for fear of that abusive man finding this.
The GoFundMe Link: https://gofund.me/3accae35
PayPal for direct: paypal.me/Z0N1C

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 12, 2022

Struggling single mom

Hi,

I’m a single mom of 2 girls. I am asking for $2000 to help with bills. I had to have an emergency hysterectomy because of some female issues. It has put me out of work for 6-8 weeks. My job offered no short term or long term disability. I’m now late on my rent, car payment, and insurance. I receive no help with my children from their father as he is incarcerated. The breakdown of why $2000 is my rent is $1250 + $75 late fee. My car is $ 315 with the late fee. My insurance is $223 with late fee. And that would leave roughly $135 for some groceries. If anyone could help it would be greatly appreciated. God bless.

paypal.me/ReginaBarton149

 

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 12, 2022

The love of my life is battling cancer- urgently seeking help with bills/living expenses

Good Morning,

I am reaching out on this platform because I am desperately seeking some help with bills and living expenses while my boyfriend is battling cancer. He has not been able to work his full-time job in over six weeks now, and we just found out yesterday that his shirt term disability probably will not kick in for another couple of weeks. Even then, it is just over half of what he would normally be making. He is also needing a major thoracic surgery at the end of the month. We are already a month and a half behind at this point. I also work a full-time job, and had been doordashing as much as I could on the side. But it is not enough to supplement his 40-hr/ week position, plus all of the added in medical costs. I will be fully honest here because it is only right and fair to do so, but I will say that I do have a GoFundMe page set up for him. He is a very proud person, having worked incredibly hard all of his life, so that was hard for him to let me put all of it out there. But I have been entirely focused on helping HIM catch up with HIS expenses (isn’t that what you do for someone you love, who is hurting and struggling?), that my own things have been falling through the cracks (we split all our household bills 50/50, but I have other things of my own to pay for). I have a very expensive car payment for a very mediocre car that is always breaking down (I have not great credit from when I was younger).  I have also had no air conditioning in my car for about two months. As you can imagine, the interior of the vehicle gets well over a hundred degrees on most given days that it is hot out, and it has made me physically ill on several occasions being that overheated. I have not attended to this matter because, again, I am so worried about all the stress and financial burden my boyfriend is under, that I would rather put my money towards him. It us going to be an estimated several hundred dollars to fix according to my mechanic. This has made it impossible to doordash, which I had been trying to do as much as possible, even while exhausted between overnight shifts at my regular job. He has not been able to register his truck either, because it is going to be $800 to do so. SO we are trying to use it as little as possible until was have that money to put towards registration. So I find myself here, because the GoFundMe I made is entirely for him to catch up, as I said above. I do not have anything to do with the funds, I designed it that way. He is also supporting a household from a previous marriage almost singlehandedly, which is why I wanted that account to be exclusive to him. He is incredibly overburdened financially, while trying to navigate the fear and sadness of his illness. I have not told him how behind I am in my own accounts because I don’t him to worry even more. Additionally, we are facing the possibility of moving next month. So it has been a perfect storm of setbacks and sometimes seems spiraling out of control.  I would ideally like to raise (for myself) a few hundred dollars for my next car payment, and a few more to have my ac fixed in my car. I also have a few other bills that are way past do, including a storage unit that is about to be shut down and it has many items of sentimental value that I cannot take out until it is paid.

We are genuinely good, honest, hardworking people who are so in love but have fallen on hard times because the universe just won’t seem to give us a break. Even those this request is for me, I know that it will help both of us as a team have a little less stress and ot as much hanging over our heads when he goes in for his surgery. The procedure is somewhat high-risk, and I do not want the few weeks we have before that to be consumed with financial worry. I am hoping we can take so time to truly enjoy and support each other, because we just never know which day could be our last day here.

I have never used a platform like these prior to this week. I hope my request makes sense and I thank you all sincerely for offering this to people in need.

http://paypal.me/kariekennedy1

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 12, 2022

She took all my money and cheated

I never ask anyone anything, but right now I need to forget all about pride and beg, because I need to think about my pets too.
Recently, yesterday, I started therapy and I now know that my relationship wasn’t healthy, but please don’t judge me. I know, I was an idiot to fall for all that and I should leave her as soon as it started. Please, try to place yourself in the shoes of a 14 y.o. who didn’t have anyone in the world and got the undivided attention of an adult woman. All manipulations like “do it, or I’ll leave you” worked like a charm. My therapist is helping me to get through all the trauma, but soon me and my pets may end up homeless.
Before we got married, she bought a flat (with inheritance money). The flat was a total ruin, and the whole sell was illegal, because it wasn’t up to living standards. The water was dirty from the rusty pipes, and there was a fire hazard from an old electrical installation. We lived there despite it all. I had some money saved from various jobs I worked as a kid, so I put it all towards remodeling. I spent $16k, of which 4k I had to borrow from the bank. For the whole relationship, I was always saving money on myself, having only one second-hand bought pants and sometimes not eating dinners for a few days or weeks. She never worked, but always wanted expensive things, and I worked hard to give her what she wanted. All the housework was also on my head, and like an idiot I am, I did it all with a smile. A week and a half ago I spent my last savings on a lent for her friends, because she told me if I don’t borrow him, she will borrow the money from one of those pseudo-banks.
Last week she told me she wants a divorce, because she is cheating on me for a month, and she loves him, not me. I started mediation process, but she is now making problems denying any agreement we came to, before the lawyers. I have a negative account balance until my next paycheck, and I’m still not sure if she will let me buy the flat from her. We previously agreed on the price of $30k, but now I don’t know anything. I don’t even know if the bank will give me a loan for this amount.
I can’t let any of the pets stay with her, because she may hurt them and her new lover is a mentally sick person, so it’s impossible. All of my pets are rescued and most of require constant visits to the vet’s office. We can’t end up homeless, and I don’t even have any friends I can ask for help, because she always prohibited me from having any. I spent my last money of lawyers and food for them.
I’m begging you, for my pets, any amount of money will help. $10 is a week of food for us, of course I would love to get all the money I need to buy the flat, but I’m not expecting anything. Even $1 will make our situation better right now.
Unfortunately, I can’t post images of all 7 of them, but I hope my youngest will move your hearts :)

Filed Under: Emergency Money Tagged With: EU

Last Updated: August 11, 2022

I’m desperate and really feeling despondent, please help me…Jon Pyles (Prostate Cancer)

Hi my name is Jonathan Pyles, I just turned 60 and I live with my wife Jen, and her 96 year old grandmother in Beavercreek Township, Ohio. This is the 3rd posting I’ve made on Beggingmoney.com…And I really hope it’s a charm, because we are about to lose the house we love and the past due bills are overwhelming, I’m really starting to feel desperate/despondent, like this is my final and only hope, please help me…

I was diagnosed with prostate cancer and went through 25 treatments of proton therapy at University of Cincinnati Health (which I had no side effects), then followed up with a one time brachia-therapy (they placed 56 radioactive seeds on my prostate and surrounding areas to keep it from spreading). Big time side effects from this procedure! The daily fatigue/illness has set me back…

I’m a self employed restaurant management recruiter, the business is slowly making a comeback since the pandemic, but unfortunately I’ve fallen behind on my bills and I desperately plead for your help getting back on my feet again…

I hope to raise $5000 for rent (2 months at 1650 per month), and the remainder for the rest of my bills (health insurance/CareSource electric bill, auto insurance etc…) and an additional $5000 for my medical bills (I owe $3891 to the Kettering Health Network and $1802.60 to UCHealth)

I can provide documents to you that will verify my bills (copy of my lease, my personal/ medical bills etc…) as well as my Prostrate Cancer diagnosis and the treatments I went through…(the photo is of me getting one of my treatments at UC Health)

I humbly ask you help me out of this situation, whatever you can offer…thank you for your time and consideration for reading this.

Jonathan Pyles

My PayPal account can be found at:

paypal.me/JPyles1961

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 11, 2022

Credit card debt

Hello everyone,

I am on here to seek help, I have a large amount of credit card debt that a family member has put on me, I was hoping I would have paid it off by now but it is a lot harder then I though, juggling current bills and having a son and wife to take care of, it’s hard, I just want to have this paid off and done with, I’m ready to start taking my wife and son on vacations again, and enjoy things, this debt has put a mental and physical strain on my body, I am in debt for about $15000, I’m not asking or expecting to make that much on here, but any little bit would be a huge help, it goes a long way. So if anyone does donate, I thank you from the bottom of my heart.

 

https://www.paypal.com/paypalme/creditpayoff

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 11, 2022

Recovery from pregnancy loss

My name is Chrissie and I’m 37 years old.

During lockdown in 2020 I found out I was expecting twins and was over the moon. However, I then miscarried of my babies and I was devastated.

After various scans and tests it was then discovered that my other baby was ectopic and wouldn’t survive and I was told it was life threatening to me. After months of physical and emotional pain, I had to be treated with a chemotherapy drug to help remove the pregnancy. This just floored me and recovery has been hard.

This was an extremely difficult time. With lockdown in place I wasn’t allowed anyone to be there with me throughout the many hospital visits and I was so isolated.

I have since been told that I will unlikely conceive again.

This has had a massive impact on my life. I lost a lot of income as I was unable to work and so the debt piled up considerably just to afford to live.

Now that the cost of living has reached crisis point in the UK I’m in the worst situation I’ve ever been in financially as I now can’t afford to cover my debt. I work 50+ hours a week but my low salary won’t cover the minimum payments and so it’s getting worse by the day.

This is a last resort for me before I lose my home. I just want to be able to put myself back together and start living my life again and really want to be able to afford the therapy I need to try and deal with the loss and come to terms with the fact I’ll never be a mum.

I’m not proud that I’m having to ask this, but if anyone can help me at, no matter how little, I’d be so grateful.

Thank you for taking the time to read this.

Chrissie

 

Filed Under: Emergency Money Tagged With: UK

Last Updated: August 11, 2022

Dire need of financial help or become homeless

I am in dire need of a urgent financial help or I may become homeless.
I am 64 with no family, Dad died when I was 2, Mom died in 2005 and brother and other family members cut me off for no reason, no friends to help, have health problems, on fixed income, high rent and creditors suing me or making an attempt.
My situation is I lost my job of 32 years in July 2020. My only son took his life in 2019.
The only income I get is 1065 a month, small amount of food stamps. My rent is 875.00. I cant afford basic needs after paying rent.
I cant work as I have undiagnosed health problems where I could hardly walk, and at times I have wrist pain and numbness where hard to use computer. Even with good health it may be difficult to find a job as most employers do a background check includes credit which would disqualify me.
I held off on going to the hospital due to lack of insurance and even with insurance I would have to pay my part.
I have creditors suing me and some about to sue and they could find a sneaky way to take my only income where I would be homeless.
I so far attached those bills and filed lawsuits which overall is about 7000.00
What I need is financial help to pay all that off, and extra money to carry me through a few months to pay rent until I can get into low income housing which has a big waiting list, find someone or somewhere I can share rent or get Medicaid at 65 next March. Then if needed go into a nursing home for the rest of my life, have a place to live and meals and medical paid. I am in a short term dilemma.
I never went through anything like this ever. I worked since I was 19 and was on unemployment once for 6 months then found a great paying job. Lost that job after 2.5 years and was on unemployment for 3 weeks and found another good job. Left after 6 months and relocated to another state and worked at same job 32 years until July 2020.
I have been alone most of my life been very responsible, had great credit and kept things going but never thought this would happen. I feel that my life is over. I cant put a price on the amount of help that I need but 10,000 would help or any financial help would be a blessing. It hurts me how friends and family turn me away but if the situation was different. I would give the heart out of my chest to help them in a minute.
If I can get through this and maintain a place to live for now, get out from all these lawsuits and get medical intervention I could find a way to freelance using my talents. I will put my life back together. Right now I am is such a tourmoil that all I do is sleep in a deep dark depression. I cant focus on anything.
Any help you can offer would be a blessing and I appreciate from the bottom of my heart. I thank you in advance and many blessings to you.

www.paypal.me/jimmiethekid

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 11, 2022

Wage Theft

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#mylife

Hello,

My story is simple yet complicated. I began working for a company 4 years ago because the overall atmosphere and demographic was incredible. Great opportunity for growth and wonderful people. I was starting over, my daughter was coming home and we were going to make the next 5 years (her graduation date 2023) amazing).

I began noticing odd deductions taken out of my check (I knew I had back child support, but this was in addition to that). I left messages with our payroll dept as did my supervisor. It continued, and finally I spoke to someone in the processing center and they said everything looked correct.  I couldn’t believe it. I started researching, as bills fell behind, food got low, medical appointments and vet bills cancelled. Rent unpaid I slipped farther  behind. I left messages all over my corporate office. Waiting. I left messages with the additional companies that where getting my wages. At times working 80 hours I would recieve only $200. (I made $19) an hour and then taxes began to stop coming out.  I didn’t know what to do. I was ignored and losing everything. Government agencies told me I could lose my whole check. And then I talked to an investigator at the DOL and she told me that was absolutely not correct. She explained everything and gave me contact information as well as how I can write a demand letter and where to find the proper laws. We went through everything reworked figures, and I sent the letter.

My HR called me quickly. Said they had to investigate. Gave me a million reasons why they didn’t have to follow the law. And then…nothing…I went on leave. Unpaid. I used my vacation time. They paid me at min. Wage and took it all. Finally I reached the HR guy and he said that his research showed they could do that to me. And it’s still under investigation. I quit.

I left the job I love and a wonderful extended family. I lost my place, I can’t drive, I can’t pay on loans I have had to take out due to the lost wages.  I believed in this company. In their message about integrity. My mental health teeters on the edge of mania. At times I worry I need to check into the hospital. My daughter spends alot more time with her dad because I can’t take care of her. My dog can’t go get his shots and checkup to make sure he fully recovered when he was ill. I couldn’t get assistance because they don’t classify garnishment a loss. And I’m about to lose my car from a title loan.

I gave them every opportunity to make it right. As I did right by them. Holding out on hope. I can understand how people can lose themselves to a dark place clawing and drowning to get out. I don’t want to give up. And asking for help is hard but I know that filing a lawsuit is just more time I have to wait and I can’t keep telling people later. Getting my late fees. Not having a legal car to drive make sure my dog is okay or being able to get my daughter some summer clothes.  I have no choice but to set aside my pride and ask for help.  I can’t say an amount because it’s everything. This has gone on for 19 months. I know. I know. But I hate change and I hate giving up. I hate failing. But I guess I did it this time.

I appreciate that you took the time to get an idea of what is happening in my life. If you choose to help me I will forever be grateful. You will be a hero to myself and my daughter.

PayPal me @melissa497947

 

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 11, 2022

Just needing a Little Help

I never thought I’d end up here, I’m usually not the one to ask people for help. Usually, I am the one doing the helping, and I’m praying that one day I’ll be blessed with good karma. Earlier this year I lost my job due to the company downsizing and at first, I had a great backup plan, I was going to work on starting up a crafting business to start doing what I loved to do. While working UberEats, I even picked up a 2nd Part time job as a Dasher! Things were going great. Until they weren’t.

With the prices of gas getting higher and higher, it made doing Uber and DoorDash a bit of a waste. I was practically only earning enough to be able to replace the gas used for the day. That’s when things started downhill fast. I eventually started driving around on fumes, The income I was making from my Custom Crafts project and the majority of my orders were all family orders and of course, came with a family discount (which I have Regretted). As with every business, I know there are always going to be ups and downs. I am trying to grow my business into something substantial, but without the materials to keep products coming It’s a bit hard. These past few months I’ve been scraping by doing surveys and side gigs, being a local dog walker with WAG! all while doing anything and everything I can do from my phone/laptop just to make a few bucks to make ends meet.

With a bit of time, plenty of praying, and help from my neighbor, I was finally able to get a PC set up so that I can work from home. After countless weeks of applying for remote jobs, and going through interviews only to have them tell me “We’ve found someone more qualified”, I did manage to score a position and I am currently in the training process with a company that I am excited to be servicing for! I’m so close to being back on track if only I had found out that Training was going to be paid before I accepted the job…but with me officially being out of gas, so many bills piling up, the Emergency Funds Jar growing cobwebs, I had no other choice… I couldn’t turn down an opportunity.

And That is where this request comes in. My first paycheck won’t technically be paid, until the 15th of August. With no gas to drive, and no extra funds for Car insurance I haven’t been able to pay my premiums. Now if I cant get my Car Insurance Re-instated by next week then I’ll have my license suspended. On top of that, My electricity wasn’t paid this month, if I lose my electricity then I lose my job, and without my license, I won’t have a backup plan… I’m so close to being okay again, but I’m not strong enough to do it on my own. So here I am Praying, Asking, and Begging for any help at all. I just need a little help getting past this next month. Will you help me get back on track, please? I expect to only need around 300 to get bills back on track, the Car insured and filled with gas. At least then I can go back to doing Uber until payday arrives.

I appreciate the time you took to read this and pray that good karma visits you as well one day!

https://paypal.me/MastersSylveon

Thank you so much and be blessed!

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 10, 2022

Alone w/ Clear Cell Carcinoma Ovarian Cancer

An only child of an only child. No siblings, close cousins, or children. A small group of friends. My partner, became more abusive, and unfaithful after my cancer diagnosis, seven surgeries including a radical hysterectomy, lymph nodes, and part of colon. My mother had a stroke shortly after my diagnosis  and  my dad has become her full time caretaker. I’m now living in their small retirement condo. I have zero income since having to resign from a job I loved in October, 2021. My life, physical strength, health, and appearance have declined to such a level, I know longer recognize myself. My sweetness, and personality numb. All the joy has slipped away. Chemo does unreal things to your brain and body. I miss the sun, a walk, a friend. My cancer is aggressive and life is uncertain. You never truly rest. For my mental health I need my own space but close to parents. A zoo, pool, or museum membership for slow, careful walks in a safe environment. Therapy for cancer and domestic abuse. Thank you.

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 10, 2022

Devastating occurrences, Twin sister are desperatly needing financial help 🥺

Hi I’m Lisa, I’m reaching out for hope for help for financial help for myself and my twin sister, to help repay funeral cost, dental (myself cause of being injured) help toward a rental property, house hold/white goods clothing for us and mine and my sister kids ECT we be for ever greatful for any help, and hope to repay the favour to other in need of help in the further. I apologise for reaching out for help we single mothers we both are so desperate for financial help 🥺

Our story

Me and my sister have been throw alot of cruel, That words can not describe what we are going throw, endless amount of pain, tear, stress heartache we are work so hard to rebuild our lives, our homes, ourselves for our children. We both are single parents, i have 2 beautiful kids my daughter (8yrs) my son (7yrs) my sister has 3 amazing kids a daughter (12yrs) a son (10yrs) and a beautiful angel a baby boy, that’s sadly passed away from SIDS last year 2021. Before my nephew passed away I finally thought I was free for a evil man that destroyed me, that I had no relationship to he WAS my children grandfather, have a big heart I let him in my home as he lost he’s. He had a sick, twisted obsession with me he gain control as I feared him, he would helped himself to me against my will, he done unspeakable thing to me. 3 years of hell, no justice was severed but freedom was worth more. My sister was my rock, up until my best mate my nephew, our lives took a turn for the wrose that day, the wrose day of our lives when my nephew didn’t wake up, I’ll never forget that cry, a mother cry, a piece of my sister died that day. Her and her partner did there best to heal and stay strong for her other kids I did my best to support her my life was back on track (helping other I forgot about me), I got a home things back on track for me and my kids. until recently last month (July, 2022) my life is wrose then before.

I found myself in relationship that turn very violent, I left my home, I lost my job, every myself and my kids own, currently my kids are in care of the dad as I am homeless, I’m injured, I don’t have friends or support from family, apart from my sister (things got wrose for her to), I’m still looking for a job and a home slowing lossing hope nothing is working I failed my children and ashamed to ask for help it’s so hard ATM. My sister did everything she could I should be there for her if things couldn’t get wrose it did for her at the time I was going throw this,

My sister …she lost her partner… Her partner had a accident and sadly died I can’t even find the word I feel her being twin I lost her she’s barely hanging in there… The the shock of it people took advantage of her started taking belongings what was ment to be sold to cover cost of he’s funeral she never got the money for I did the best I could to help pay we both borrow money that we can’t afford to pay back to cover the cost, her landlord who was ment to be her partner mate turned on her, her rent was all paid up for the year some how she lost her rental and everything she owned including her son’s that passed away memories her kids are in the care of there father as she is homeless to.

We both are doing our best, please help and donate the favour will be returned in the future for who ever is in need I promise that, but at lease for her no one should ever go throw what she is

https://paypal.me/lisahalling90?country.x=AU&locale.x=en_AU

I apologise for the spelling and grammar I am dyslexic.

 

Filed Under: Emergency Money Tagged With: Australia

Last Updated: August 10, 2022

Homeless Taking care of Mentally Handicapped Father

In august of last year I lost my first pregnancy, and in the same week my job from increased depression and anxiety spending time in the hospital, shortly afterwards my partner lost his grandfather who passed unexpectedly, and then his job as a 7th grade teacher during Christmas break due to budgets. Two days after Christmas I lost my car which broke down on the side of the road and was impounded before I could return though the cops told me I could have an hour. In January, my elderly cat got sick and developed a nasty cough that my vet couldn’t examine without a bill I couldn’t pay, and in that same month my partners car broke down and we exhausted our entire savings to fixing it so we could maintain our only form of transportation to make money, and began doordashing whenever we could, which made us lose all the money to help my cat or to get a car. In February, I finally lost my home. I had been living with my mentally ill father for over a year at that point, as he lost his business due to covid and began to decline rapidly in mental health. We could not afford the bills or rent payments and also eat as I now had to make enough money to feed three adult and three cats off doordashing. I started an online store reselling toys and barbies I had as a child or found at thrift stores to cover food costs,  but found that I couldn’t spare the couple dollars a week at a thrift store to keep the store stocked, and now I just post random things I own hoping to God I’ll make some cash to feed my family. It’s now July, we had to pack everything we owned into the car and move to Kentucky to live in my grandmother’s broken down cabin in the woods just to have a roof over our heads while we struggle. My father can no longer work and my partner and I drive two hours every single day to doordash in the closest large city, just to make enough for food. I can’t make enough to pay bills, to help my father, to save for a car of my own, to take my cat to the vet, to go to the doctor for my own PTSD from an abusive childhood living with my aunt and abusive past relationships as well as sexual assault and the loss my partner and I experienced in august. I can’t take care of myself any further than eating when I can let alone take care of my family. I won’t lie to you that other people need money more than I do, because despite all of this I’m still able to make myself get up everyday and bust my ass with my partner to at least survive, and those people deserve donations more than I do. I am lucky to have a roof over my head for now, to have my cat still alive, to have my partner stay by my side. So I am not asking for much, I am on here asking for any donation even a couple cents just so I can give myself hope and my partner hope and my dad hope that we can get out of this. Any amount I can keep in savings so I can keep working and eventually live in an apartment of my own or buy a used car so I can make more money for my family. We are doing everything we can. Even being contacted with words of support or advice is a great donation to me.

Filed Under: Emergency Money Tagged With: USA

Last Updated: August 10, 2022

Desperate, life going out of control

Hi there.

My name is Alex and I’m a 27-year old artist (illustrator) from Costa Rica. I am currently in a very difficult situation, not only monetary-wise but in general. I have been struggling with anxiety my whole life, ever since I was a child, along with OCD (for which I take 50mg of sertraline everyday and it has greatly improved my wellbeing).

I can’t lie and say my life has been hell. No, my life has been good for the majority of the time. However, lately I can’t help but feel that I have wasted my chance to improve myself and become the person I always dreamed of being.

  • Here is a little background information on me:

I have always been extremely inclined towards the arts, being truly gifted in the fine arts, especially drawing and painting. So when I became of age, after a year and a half of studying a more “common” career (Spanish Philology with emphasys in teaching, which would have secured me a job as a professor in the future), I made the foolish mistake of “following my true dreams” and abandoning this career to become an artist… in a third world country. I was so young and naive that I now see how terribly at fault I was. This is one of my deepest regrets in life so far.

Don’t get me wrong, I do not feel remorse for studying what I did. Not at all. I am very proud of what I have accomplished artistically (my name has even been in the credits of a TV series created here! And there are quite a few children’s books out there with my illustrations in them! ), but I can’t help but wonder how much better off I would have been if I had studied something more monetarily stable.

The thing is, I come from a middle-low class family; both my parents only graduated high school. They didn’t have the means to pay for my education as an artist. Thankfully, an uncle and cousin of mine stepped in and gave me the gift of selflessly paying for all my study expenses. Thus, I graduated as an illustrator in 2020.

The past two years, which were accompanied by the well-known pandemic, have been a bit difficult, as I have been bouncing in and out of jobs, both for being a freelance artist and for employee shortages due to the impact of the virus (when I started working in non-art-related fields with monthly payment, after realizing living only off of the arts in this country was almost impossible), such as Customer Service Representative in call centers, as a dependant in stores, or as a Virtual Assistant (VA) for US clients among other businesses’ ‘

—

Right now, I have been unable to find a stable job for a little more than 6 months, after my last gig as a VA was finalized. I am precariously dealing with my expenses with the money I make out of my illustrations, which isn’t all that much. I receive a few hundred dollars every two months for some illustrated small books I have been working on. I know it isn’t fair payment, but it is better than nothing. And I also sell some other artwork here and there that adds to my account, but the income is minimum right now.

I have been sending non-stop applications to many kinds of jobs all this time, but I have not received a good response so far, probably due to my lack of experience in most fields besides the arts. But I’m trying, guys. I really am. My life might not have turned out the way I planned, but I’m not giving up just yet.

However, the savings I had from my last job have all been spent, and right now I own only a little more than a dollar in my back account, which is why I come to you with this help request.

My expenses currently are like this:

Montly:

$25 for Sertraline
$40 food
$30 for internet and television
$12 gym
$15 for house supplies.
$35 for psychology appointments.

Every 3 months,

$70 Nebido (Nebido, I have a primary testosterone deficiency that I must treat.)
$30 dog food (a 25kg bag for two dogs)

Not time-bounded expenses (not necessary right away):

$34 for dog vaccines (they are due in September)
$72 for an endocrinology appointment (to control that deficiency).
$100 for bloodwork for said appointee.

I also need $160 to repay the people that have lent me money these past months.

Any help would be greatly appreciated by me. Really. I won’t stop looking for a stable job, I promise!

https://paypal.me/alexshhu

 

Filed Under: Emergency Money Tagged With: South and Central America

Last Updated: August 9, 2022

Work Tool Needed

I am a single mom to a young child and I am working from home as a freelance administrative assistant. My laptop which I have been using for 6 years is not working anymore. I would be grateful for some financial help of a few hundred dollars to buy a refurbished lap top so that I can continue to work from home to support and take care of  my son  please. Thank you very much.

paypal.me/ganeunice

Filed Under: Emergency Money Tagged With: Asia

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