I’m homeless my name is Chinesia Browman I just turned 32 as of yesterday and I had the worst birthday ever, I slept my whole birthday away and it really showed me who I really had in my corner and thats nobody. I’ve been living out of hotels for the past 4 months and I’ve been homeless for the past 5 yrs. I’m unemployed looking for work though and I really just trying to come up with enough money to pay for the month at the hotel until I can get back into treatment.
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.
COVID-19 & the Pennsylvania Bar Exam
Hello:
A soon-to-be (hopefully) attorney here. I am a law school graduate who is set to take the Bar Exam in October.
Background:
After graduating law school, and prior to COVID-19, I worked as a Law Clerk in the Chief Counsel’s Office of an administrative agency. I was set to take the Bar Exam in July 2020, and as a result of Bar passage, I would become an attorney at my place of employment. However, due to COVID-19, I have been furloughed since April 2020 and have been receiving unemployment since. Also due to COVID-19, the Bar Exam was initially rescheduled for September, and as of a few weeks ago, the Pennsylvania Bar Exam has be re-rescheduled for the beginning of October.
If you know anything about law school and the Bar Exam, it is EXTREMELY EXPENSIVE. To prepare for the Bar Exam, it is essentially mandatory that you purchase a Bar course and/or a Bar tutor, both of which cost roughly around $2,000-$3,000 or more. Additionally, Bar registration fees are approximately $700 plus. Also, you must account for additional fees such as supplemental Bar books, travel to take the Bar, etc.
While I have been able to cover my Bar registration fees, I am seeking donations for a private tutor to assist me in my Bar studies. The approximate cost for the Bar tutor that I intend to use is $2,000 (though, I am trying to negotiate the price down a bit). The price is inclusive of the materials I need to purchase as well as the tutoring sessions. Also, given other financial hardships that I, like many people, have suffered due to COVID-19, donations towards my living expenses would also be greatly appreciated; however, and primarily, I just want to make sure my Bar is squared away.
As stated above, like many people, COVID-19 has put me in a position that I never thought I would be in. Of course, I can simply not take the Bar in October and wait to take it at a later time when life becomes more “secure” and “certain;” however, I have worked too damn hard the last several years to simply not take the Bar in October and put my legal career on hold. If this means that I have to ask random, gracious strangers for donations, then so be it.
To donate, my PayPal link is: PayPal.Me/gurlholdmyearrings
Please note that upon request, I can provide copies any invoices/bills/proof of payment.
Thank you for reading my story. Any bit of help will not go unnoticed, and I will be eternally grateful.
Money for a used car and to get me back on my feet
My name is Armando I had been kicked out of my place about six months ago and had to go to
a smaller town to help my mother who
fell and broke both her hands I am
only able to stay the night every once in a while because she is living in an apartment complex for low income and elderly. She is getting Medicaid or Medicare I am not sure which one,as well as food stamps. Which she is afraid she will lose that and her housing. She also doesn’t want me coming over the day because she is afraid that people and the land lord is going to say I am staying there. So I was living in my car, during the last few months I found a job that was an hour away. One morning someone stopped abruptly in front of me and I rear ended her her car. This was about thirty miles from where I worked. Luckily my boss picked me up and there was an Enterprise on the way to work and I had money for a rental. I had the car for about four weeks and had my car totaled. The insurance company payed what it was worth but I still owed eight hundred dollars and they would not give the insurance company the car. Luckily they paid the insurance paid the lien holder a check for what it was worth, During the time I luckily found I had enough decent credit to get a new truck at a good deal and I had just enough money for a down payment. Unfortunately it took away money for deposits for rent and utilities. So I was living in my truck. I had my job few a few months but after about a month I started having health problems and went to the clinic. Things got worse and i had went to the hospital at least five times. One of those times I was having problems breathing and my blood sugar was dangerously low. I went to the local hospital but they transported me to a hospital an hour away. Another one of those times I was having trouble breathing. During the night it was getting so bad I could barely breathe standing up to go to the bathroom. I fought to walk thirty feet to go sit back down. I was up all night and then my chest started hurting. Luckily I was at my moms house and when she was at my moms place and she called 911. The ambulance again went to the local hospital and was sent to another hospital an hour away. I begged for oxygen but that didn’t seem to help. I lost consciousness and the next thing I know I woke up with a breathing tube and I tried to pull it out and lost consciousness again. I woke up and had the tube in me and was breathing and swallowing saliva. After a while they took the tube out. Then they said to me that they were going to take out the catheter. I never knew I had one in me. I was in the intensive care unit for another day and they sent me to a
regular room. A little while later the doctor told me that I stopped breathing. A few years ago my feet felt like they were mostly asleep, which I had gotten used to and was told that I had nerve damage due to my diabetes. While I was at the hospital my feet started hurting they didn’t tell me
why or did anything about it till the day I was being discharged. The doctor still didn’t give me an explanation,he just sent me home with a prescription. After I lost my job I looked for a job at the Texas WorkForce Commission,using indeed and other applications. After a few months of looking I had no luck. During this time the TWC office closed and I had no computer,printer or internet access,other than my phone. I looked for a job within a mile radius, with no luck. I then had my truck repossessed and have no place to stay or no way of getting to a job. I then lost my cell phone service up until a couple of weeks ago and then all the sudden I had service again. I am not sure how long they are going to keep it on so I looking for websites, welfare and anywhere I can get help. This is why I am asking for your help. I have sent you a couple of my bills I don’t expect the higher one for you to pay but I would like some money for my cell phone bill a decent used car and maybe some money for a place to live and some money for utilities. It would literally be a life saver.
Thank you
Armando
I am in need of help paying my medical bills
Hello my name is Karen and on June 10th I unfortunately broke my tibia. The break was bad enough to require surgery to place two plates and 12 screws.
When I was released from the hospital I was sent to a rehab facility for approximately 2 weeks.
I returned home but a few days later I was taken to the ER for severe pain. While there I was checked for blood clots which lucky there was none but I did have a mild infection.
With all this said I am unable to work while after 6 weeks of non weight-bearing I am able to stand on my leg. I am a long way away from getting back to normal.
I am now here begging for help to pay my medical bills and living expenses. Any help with would be greatly appreciated. Thanks for taking the time to read my plea for help.
Disabled police officer and family in desperate financial crisis – Please help!!
My husband and I are in desperate need of financial assistance. Long story short, 3 years ago, after a 21 career in law enforcement, my husband was diagnosed with ocular melanoma. As a result, he lost his left eye and was forced to take a medical disability. Our finances have suffered ever since and we simply cannot get on track. Desperate, not knowing where to turn, I started a go fund me last fall. Everyone was so generous and it seemed we were finally going to be ok, but then the pandemic hit. The restaurant I worked at was closed and I was denied regular unemployment benefits because I did not meet the base period requirements. I immediately applied for the PUA benefits, but there was an “issue” with my identification and my claim is still pending. So after being out of work since March, I still have not received any unemployment benefits. Additionally, I decided to mail our income tax return this year rather than paying our CPA to file for us because our return was only about $700. Needless to say, we still haven’t received our income tax return and the IRS “where’s my refund” page doesn’t;t even show a record of it yet. In the meantime, we have fallen behind on our bills that we had just worked so hard to catch up on. This morning, 10 days before the lease was supposed to expire on our truck, it was repossessed. We spent the last couple weeks getting items ready to sell at the local flea market this upcoming weekend and the truck was loaded with those items, as is our trailer. We recently found a van that we planned to purchase knowing that our lease would be expiring, but we don’t have the funds to purchase it and both of our accounts are overdrawn due to bills that auto-draft monthly. In addition, we have booths at a local antique co-op that were supposed to generate additional income for us, but most months we find ourselves using money from my husbands monthly pension check to pay our booth rent only to just barely make it back on our commission checks throughout the month. So the additional income we expected is nonexistent and the commission from our sales more or less just keeps us in the building. Therefore, we are moving out by months end, but we no longer have our truck for the move. Since it is a co-op, we are required to work a certain number of days each month, or pay for those days in the event that the owner has to call in a non-scheduled vendor to work our shift. Unfortunately, due to some recent health issues (primarily migraines, but I also have a gallbladder issue), I missed some of our required days this month. When I went to pick up our commission checks today, he tried to charge me double for those missed days and would not release our checks because I did not have the money that he was demanding. He even made us pay booth rent when we were closed for 6 weeks. Long story short, we need money very quickly. Money that we have no way to obtain. I have always been a giver, not a taker. So swallowing my pride for the second time in a year and asking the public for help isn’t easy, but I can’t go to my family because even through our recent struggles, I still help them when I can. My mom is high risk for COVID-19. So as soon as things begin to get bad in March we pulled her from work and my little sister and I have been doing the best we can to help her financially. She has zero income currently as she is on FMLA, so she doesn’t qualify for unemployment either because she chose to take the time away, but she had to as this disease would kill her. It’s just all so much right now. We also have a 14 year old son. In fact, today is his 14th birthday.
Any help you could find in your heart to give would be beyond appreciated.
To have a chance
Hello… I was so shocked when I came across this site, I was just looking for online jobs to make extra money which is very much needed.
My story has a fairytale-like beginning: mom and dad met at college, graduated and got married. Mom was a special education teacher, until she got her vocal cords damaged and had to stop working and receiving therapy for a while. Dad was an English teacher and worked at the biggest airport in my country and his job was to teach engineers how to read airplanes’ English manuals.
Then, mom got pregnant with me and everything seemed to be going great. I was born, my sister was born and last but not least my brother… we were a very happy family and even though we didn’t have much, it was not needed and supplied with loving and affectionate parents.
When I was about six years old, one day, dad collapsed at work and had a seizure. Everyone said it was stress but when he got checked at the hospital, they gave us the worst news ever: he had a brain tumor which has huge and was located on the left side of his head.
It was a one piece mass, which made it easier to remove, but doctors didn’t know how much it was going to affect my dad; he could go blind, he could go mute or deaf, he could lose his ability to move his whole body or a part of it or he could not even wake up at all.
One decision was made and the surgery happened, dad survived and thank God he did not have any of those consequences, but only loss of memory, a made of steel replacement of the head bone removed, and having to take anti seizure medication for the rest of his life.
This at the same time, meant he could not go back to work for three years after that because dad could not stand up without losing balance and he would have permanent migraines. When he was able to go back, he got fired and couldn’t find another job for another three years.
During those six years, my mom started working again, but her salary was not enough to supply for a sick husband and three little kids in an expensive country like Costa Rica.
This meant getting credit card debts and loans as well.
Fast forward and we all grew up and studied in good schools and high schools, helped by scholarships, even though my dad got a nice job at a call center, but still due to year’s ago debts, he doesn’t get much money by the end of the month, nor my mom.
I entered college and was able to get a scholarship but as soon as my sister entered college, she was told she would not get help and my parents can’t afford to pay for hers, so I stopped attending and got a job at a good call center company and now I pay for hers and my brother’s fees.
We still do not have much but it’s ok, we are happy having a humble life, that’s more than enough.
Now, recently, we learned another issue we’re having: we live in our grandmother’s house and we have taken care of her for years and we love her very much.
But, she told us a few days ago that she will give this house to my uncle who got divorced recently, and that we have a month to leave and move out. My mom and I started looking for cheap houses to rent or buy, but all of them are very expensive and even though I tried to get a loan from a bank, it wasn’t possible because I only receive 200 dollars per month, same as my mom and my dad.
So here I am, desperate asking for help because I cannot find another job and we are about to get kicked out.
Please help us, I beg you from the bottom of my heart, I’ve tried every option possible but we have only encountered closed doors everywhere and no help from our family.
The cheapest place we found, even though is located in a remote area of the city is worth 200 000 dollars, but even the slightest help anyone gives us is gonna be well received and we’re gonna be grateful forever, and when things change and we are able to, we’re also gonna help someone in need just like us.
Thank you so much in advance and may the universe, God or whatever you believe in, bless you.
PayPal.me: paypal.me/mariaheob
Please help me pay rent and keep my home and car
Hi, my name is Jason and I am one of the many people who have found themselves a victim of the COVID-19 situation and in need of help. I have not been infected with the virus and neither has my family but we are facing a very bad financial hardship. My fiance and I are both career restaurant workers and we were both out out of work in March. We live in Florida with our 7 year old son and 18 year old daughter and we also have a Chihuahua that I inherited when my uncle passed away from cancer in September. The reason for the financial situation we are going through is as I said my fiance and I are both unemployed and have been since March. My fiance was scheduled to have a surgery done in the beginning of June but at the end of February her doctor told her that in the next few weeks the state was going to suspend any surgery that was considered to be non essential. He also said that she would need to move her surgery up because even though it was considered non essential, she would face the possibility of having serious complications if the surgery was not able to be done by the time it was originally scheduled in June. We had scheduled the procedure for June because here in Florida the restaurant industry is very seasonal and my fiance being a server makes about 85% of her total income between Thanksgiving and mother’s day. Her being able to work would allow us to save the money it would cost to have the surgery done that wasn’t covered by her health insurance and also give us a cushion for the time she was going to be out of work to recover. Since we had to move the surgery to the first week of March we had to take the money out of our savings for the copay and the $3500 the surgery cost was a good portion of what we had saved. A week and a half after the surgery the governor made an order closing all restaurants throughout the state for anything besides delivery and carry out, and both of the restaurants we worked at closed that day. We filed for unemployment on March 18 and I was not approved until April 27 and I didn’t receive my first payment until May 5 and that was only for $266, which is the amount of benefits I receive from the state every week. My fiance was denied for benefits 2 days later and was told she had to apply for the newly approved federal benefits and she was approved to receive $118 a week because she made most of her income from tips and they only counted a small portion of her actual earnings towards the determination. My first payment on may 5 was the first income we had received since March 7 and I didn’t begin to get paid on a regular basis until June 4 and I am still waiting for the back pay I am owed to cover the weeks I waited to be approved for my unemployment and the weeks I was not paid the full amount of benefits I should have for each week and we ended up going through the rest of our savings to pay for food and what we could for bills and rent and car payments to try to stay as up to date with the expenses as possible. We are a little under 2 months behind on rent and we are both 2 months behind on car payments. My fiance was able to get her finance company to defer the payments she missed and I was under the impression that I had done it too but when I called to set it up in March I was not told that I had to call every month to set up the deferment for the next month and my loan has been in default for almost a month and my car is going to be repossessed if I don’t make a payment of $902.64 by July 24. My landlord has also told us that he will be going to file for eviction on Wednesday 7/23 if we don’t pay him $800. There are a couple reasons why we are not able to do this. The first is that my fiance and I both lost our health insurance when we lost our jobs and she has had a few major complications after the surgery and we have had to pay $2900 out of pocket for her doctors and medication. The other reason is that I was actually able to find a new job and I went to work. This made me ineligible for unemployment obviously and after 6 days of work the restaurant I was hired at closed again because we had a co-worker pass away from COVID-19 and when the restaurant closed they laid off myself and one other person who was just hired because the loss of business made it too expensive to keep any of us, and I have not been paid for the work at the restaurant and I also haven’t had any unemployment benefits in 4 weeks. I have tried to get loans, have family or friends help but nobody can and I have been declined for every one of the loans because I have no income to pay them back. So I am praying for a miracle. The last thing I want to do is turn to the internet and hope that some stranger will see my story and help me keep my home and my car. The reason I really need to keep my car is in the area I live in the jobs in the restaurant industry that are available are about 40 miles away and I can use public transportation to get to work, it’s about a 4 hour journey but I work later than the bus runs and to take an Uber home would cost me about $1100 a month and that is more than my car payment and insurance cost so I don’t have a way to get to work without my car. I feel like I have failed my family and I have been very stressed and I have been falling in to spells of depression that I didn’t know we’re possible. I have no choice but to put my story out and hope someone helps me because if we lose our home, my family will also have to split up and live with different family members who are 350 miles apart from each other. So I am really begging for help.
My PayPal me is paypal.me/djjayde31 And I thank you for reading my story.
In need of legal help
On July 21st 2020, I was put into a situation where I believed my children and my neighbors children were in danger of serious harm of being hit by cars while in a field. The driver was using that field as a shortcut to get to the main road instead of the roads themselves. I then stopped them and made them wait for police. At which point I was arrested. I have never been arrested before and I need an attorney that actually cares about my case. Please help
Desperate due to covid and heart problems/medical bills
For the first time in my life i am truly truly desperate for help or work. I am a 23 year old male who has been plagued with heart problems and medical bills even before covid struck. For awhile i was working for a property management company, making not very much money but just enough to keep my head above water and pay bills. That has since changed as the company i work for had to let people go due to covid, i have been unable to get government help, and have still had to pay bills. I have payed out over 40,000$ in health bills to have doctors tell me they do not know whats wrong, that it is probably genetic, that there are tests that need to be done, tests i no longer have money for. I am not working now, i am looking for a job, ANY job even if its a job that kills me due to my health issues. I am down to roughly 800$ in savings and that is enough for 1 more month of rent, phone, and car insurance. A car that is not even mine, one that someone has loaned to me to try to help me even though they are also financially suffering. Please anything helps, i am so desperate, I have been selling everything i can part with to survive. Please i beg of you, if you can help, someday and somehow i hope to be able to pay it back. I don’t want to die, and i do not want to become homeless. I know i can survive this, but i can not do it alone anymore. God bless you if you help, and God bless you even if you cannot. And wherever or whoever you are, if you are also struggling i hope that you can make it through this and find help as well.
My paypal is: paypal.me/redwolfnisly
My cash app is: $GhostBlood
We need help to avoid eviction
Never a Dull Moment
I’ve never done anything like this before however, I am now because I don’t know where else to turn. Please, take just a few minutes to read what I’ve typed out below and if you find it in your heart to do so, please follow the PayPal.me link and donate whatever amount pleases you. Thank you for your time.
I will open this plea for help with a short introduction. My name is Emmett and I am a 30-year-old seasonal migrant worker, disabled U.S. Army Veteran, and a licensed minister. I’ve been married now to my best friend for 6 years and have 4 wonderful children, all boys. During the cotton season, I work in the fields, starting off the season by cleaning the fields of careless weeds for the local farmers. That will last a month or two and then I go to work for our local peanut processing plant where we receive peanuts directly from the field to dry them. This will last a few weeks, usually one or two months at the most. Once I’ve finished in the peanuts, I’ll go to our local cotton gin where we bale and bag the cotton to ship it out. With those 3 jobs, along with my VA Disability, I usually make a decent income, enough to give my family, not just the things they need but also the things they want.
It wasn’t until this past year that we really started having financial problems. You see, back in 2019, around Thanksgiving, I was working with a local farmer during the cotton harvest. I was given the holiday off so my family and I traveled to see my Grandfather who had been sick for some time. My mother had already quit her job as a nurse to stay home and tend to his needs full time and it became obvious to me that she was in need of assistance. No one else was really able to give her the full-time help that she needed. I called the farmer I was working with and let him know the situation, apologized profusely, and stayed with my mother and my grandfather. Sadly, there wasn’t enough space for my rather larger family of 6 so I was forced to send my wife and children back home.
Even though I never asked, My grandfather was kind enough to assist me with my financial struggles while I dedicated my time to help him and my mother. My grandfather, my hero, passed away in late December, just before my birthday. With his passing, any financial assistance we had came to a swift end as he did not recognize me in his will. I finally returned home about mid-January and being the small town that it is, jobs are hard to come by out of season.
Unable to find a job upon returning home, things didn’t get much easier when Covid-19 decided to wreck the world. Before long I was having to take loans out to make ends meet. Fast forward now and I am currently over $10,000 in debt with unsecured credit cards, payday loans, and personal loans. Most of that debt is coming from those loans being so high-interest. It’s like they say though, beggers can’t be choosers and when you need money to make ends meet, you have to do what you have to do. Even if that means paying back $1500 just to borrow $500.
These new debts, stacked on top of previous debts, comes out to about $24000 in total. I hate answering my phone any more because it seems like it’s always a debt collector. I’ve even been sued by one company already. Honestly though, what good does that do? You can’t get water from a dry well, right?
I don’t normally do things like this, but I am reaching out to you now, seeking the goodness of your heart. Please, if you would donate even a dollar, I would be eternally grateful. Moreover, I will pay it forward to help out someone else in need as soon as I am able. As instructed I have included my PayPal.me link at the bottom of this posting. Even if it’s only a dollar, I can promise you that 1 dollar will be put to good, responsible use and while it may seem small to you, that one dollar is a huge blessing to me and mine.
Don’t get me wrong, if you can donate $100, or even $1000, or more then please do so. That would be even better and much more helpful. Please, donate whatever amount the Lord has placed in your heart to give, and thank you for your kindness. May God forever bless you and your family.
Sincerely,
Pastor Emmett
paypal.me/ftcg
Asking for help
Where to begin, I guess first off I’ll first introduce myself and start by saying I am currently pregnant and on sick leave due to my miscarriage last year. My hubby lost his job last year due to depression and has since been working really hard on himself and hopefully a job soon but until then I am here asking for someones help with my current credit card debt.
Now I do want to clarify that this wasn’t an incident where I was irresponsible and just like to spend more than I have. I am actually the opposite of that, I love to save and get ahead. Most of the problems started with an accident I was in where my vehicle got totaled and I had to be off of work for awhile. Then it all seem to start piling up one after the other. My health problems, miscarriage, my sister becoming very ill (I was her travel, helped with bills and groceries etc.), insurance, vehicle breaking down and having to purchase a new one, hubby losing his job and so on.
It just seemed like everytime we saved and planned to pay it off, the money had to go somewhere else. Now to present, I currently owe $20,000 and they want it paid like “now”. I really need this gone because now I need my attention on saving for the baby, a house which we really need. We are currently renting and we need to move out because of the conditions of the building, which is very much unsafe to raise a child. As well as rent where I live is nearly impossible to find. On top of that we need a new vehicle and so on.
In order for me to even move on to these next important steps, I need my credit card gone. Just so you know the information better, here is a picture of my current bill. If anyone out there could help me/us I will forever be grateful. I Thank You in advance for your generosity and I hope to pay it forward someday when I am able to.
Covid-19 ruined my life
In December 2019 I moved to a new town. my boyfriend and me started renting an apartment. Everything was going good. I worked two full-time jobs. And my boyfriend had a job as well. In the beginning of March Covid hit and slowed everything down I lost one of my jobs. And by the end of March I lost my other one, so did my boyfriend. We both applied for unemployment but still haven’t received anything. we used ours savings so we could pay rent. Our rent was only 650. By the end of May we got kicked out. I decided to break the lease instead of getting an evection. I really don’t have a lot of family. My boyfriend is my family. We Moved everything we owned Into our car. We moved everything into his moms basement. In December we moved to his hometown so he had his family. Him and his family don’t really get along that well. So they weren’t much help. During that time of getting kicked out I found out I was pregnant. That made the situation worse. We lived in our car. His family didn’t let us sleep on there couch. But we made it work. My boyfriend stayed with me every night and made the situation a little bit better. We started saving up out money again. Everything turned for the worse. I got into a car accident and totaled our car. That made us officially homeless. It made us more stressed. His grandmother let him stay at her house but wouldn’t let me come. His family doesn’t like me. It made the situation more worse. I was pregnant on the streets. That just wasn’t going to work. I had to go back to Kansas City where I grew up to live with my brother and his family. I want to go back home to my boyfriend and the father of my child. I am now almost 4 months pregnant. But for me to move back I would need to buy a new car and enough for a deposit and first months rent. I need a miracle. I’ve been trying everything to get back to my real family:( which is my boyfriend. I just my little family back together. I want to be happy again. I want to go home.
A new reliable car is going to cost about 15,000
To move into a new apartment it’s gonna cost $2000 we lost all our furniture and belonging is due to moving at such a short notice. So to get new things is going to cost more. If you can help you would be my hero. This is my last resort.
cashapp-$tayla016
paypal.me/tayla0427
Grocery money
Hey potential donater for those interested I have really my life story written below but for the short and sweet version scroll to the bottom:)
Hello generous person reading this, my name is Peter and I’m asking for $400 for groceries which I’d be extremelyyy grateful for and I’ll explain to you my current financial circumstances and how they came to be. So I came from a pretty broken home, to summarize my father was a bipolar alcoholic and my mom was a co dependent self centered person that eventually cheated on my dad. Also my older sister has a Machiavellian personality and my parents invested into her in several forms where I was honestly left on my own. So being around this crazy household a couple months before I turned 18 I couldn’t take it anymore and I went to live with my grandma and aunt for a few months. Surprisingly though, I guess they both didn’t want me around even though I asked nothing of them, and they were giving me the elbow to leave. When I originally asked to stay with them I asked for shelter until the beginning of the following year. So that’s what I did I left exactly on Jan.1 not a day more. That’s when I started sleeping in my car and working at a grocery store and basically since I did want to try and rebuild a connection with my family I decided to give each of my parents one year to see if it was possible; while simultaneously working on my own endeavors. After living in my car for about 6 months and working occasionally with my dad he offered me to stay with him to save money(he thought I had an apartment). A year went by where I was working to get into a coding school which didn’t happen and although my interest has always been to have multiple startups my dad never really believed in me and pressured me to get into a union. After I failed to get into this coding school was when for 3 months this pressure from him persisted and I couldn’t take it and I left back to my car. I got a job at another high end grocery store cities away from any family I have and honestly it was great I was doing what most 20 year old do and had a great time partying with friends and was genuinely happy even though I was in my car. That lasted for about a year and a half and during that time I rented a storage unit where I was buying different items to optimize my living situation such as a cooler that’d keep for 5 days, different charging devices, etc. This put me in a bunch of debt but my thinking was that it would pay for itself once I was fully able to cook for myself. It didn’t pan out but that’s what I was doing and looking back I would’ve done what I plan to do now and get a van where I can cook/sleep. Anyways after attending some self development event since I felt like something was bothering me, I wanted to rekindle the relationship with my mother after having no contact for 2 1/2 years at that point. I really always had that plan but the event pushed me to try it. My intention for breaking contact with my mother was to try and get her to self reflect instead of victimizing herself as she does. Anyways after a few months of visiting her in my childhood home she got when my parents split, I moved in with both her and my sister(which by the way they persisted I move in with them for months so I did). After the first few months of a honeymoon phase went by things eventually went south. I’d call her out when she’d lie and try to manipulate me but she’d just stay quiet and wait days and pretended like it never happened. Also up until this point in my life I’d always held an inner “Russian” mentality and preferred to self destruct my life into the ground rather than give my parents any social currency for my accomplishments. It was also to try and make my parents self reflect; but it never happened and this resulted in me doing nothing for 9 months of my life(a lot of this was subconscious btw). Fortunately though I found the articulate answers I was looking for through the content of two psychologists (I’ll list at the bottom for those interested) that explained the psychological damage and by extension limitations of narcissistic parents(The material will really resonate with you if you would characterize yourself as being rather grown up in childhood and viewing yourself as the black sheep of your neglectful family).
With that chapter of my life done my plan now is to work retail for a year out of a van I plan to get and join lambda coding school part time (full time if by chance I get the money to do so) also I’d slowly pay off the 12k in debt that I gathered from buying the gadgets which should take about a year.I applied to the retail company I plan to work for but by the time I actually start and get a full paycheck I currently don’t have enough money for groceries so think you can spare a few dollars?
paypal.me/NetikX
Psychology Resources:
Books:
Adult Children Of Emotionally Immature Parents- Lindsay C Gibson Psy.D
Recovering From Emotionally Immature Parents- Lindsay C Gibson Psy.D
This is a playlist I’ve made of the most helpful videos of Dr.grande I’ve found that’s consistently updated by me and made to be seen in chronological order. I recommend reading the two books first as dr grandes material really puts the final pieces of the puzzle:
Stuck in life.
Hello.
If you came and actually clicked my story – I thank you with all my heart.
I want to start with that I know many people struggle. I wish I could help, if only I had the ability to. I am a very proud, hardworking person and to type this paragraph out, it took a lot of me. Not to mention tears aswell.
I don’t know where to start. Everything was good 3 years ago. I am 26 years old, stuck and honestly on the verge of depression. I’ve been a good student and working since I was 16 years old, always helping my parents with the extra money, performed at school, took care of my sadly passed away grandmother for 8 years while I was working and studying still. Everything. I don’t regret anything and my family means the world to me.
I had a very hard time 3 years ago with a horrible car crash which left a lot of consequences, especially on my mental health, partly on my body. I struggle with concentrating and being focused as a result, apart from that also my left arm will never function fully healthy anymore. It left me with quitting my studies because I couldn’t make it, having to find a job as soon as I could work again, as a cleaning lady. Since my parents are not loaded with money and struggled their whole life, I felt terrible by sitting at home and live off by them. I wanted to work, I tried, it was hard but I stuck by it. Eventually my arm became worse and worse, because I forced myself into working 10 hours 6 days a week too fast. It was okay but never able to afford anything besides food and bills. Now, with the whole Covid sitation, I lost my job because my employer cannot pay all of us. I am stuck at home for months already, not knowing what to do, how will I survive if I have to go on my own, trying to find a new job every day and it doesn’t work, because people with normal jobs are losing them, laying off people due to the situation with Covid19. Everything is stuck and I am at a point where I can’t sleep anymore at night. I constantly worry about money, how will I be able to help my parents with bills, how will be able to afford enough heat in winter, how will I finish any education if I can’t even afford to buy anything extra for freaking 5€…
Also, my dream is to become a nurse. To help people. To try to be the light for people who struggle, just like I am at the moment. I would love to apply to a university and start again. A new beginning. Currently impossible because I would have to pay for my own transportation, food, books… I have no money left for anything. I am truly at a breaking point. I couldn’t sleep at all last night and just started googling on the internet what should I do and came upon this website. I don’t know if it will work, I know a lot of people on the world struggle. I never EVER in my life thought I would be in a horrible situation like this. I always worked for money and am used to earning it so this is heartbreaking for me, having to come on the internet and ask complete strangers for any help I could get.
Maybe it touches someone, maybe it doesn’t, I learned in life to not have many expectations because I have been heartbroken too many times.
If you are reading this and you’re struggling, please remember, you are NOT alone, we all have struggles in life. Some better some worse but I truly believe that there is a light for everyone.
If anyone is kind enough to help me – I can’t express what big rock would fall off my chest, from my heart, daily anxiety feeling of thinking you don’t belong anywhere, all of these horrible feelings that financial crysis brings… There are too many.
I thank you for reading this, thank you for taking your time. Stay safe in these bad times and healthy. Wear a mask, wash your hands, if you can, stay at home.
With love.
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