Begging Money

Financial Hardship Help

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.

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I need a miracle

I need a miracle. I have nothing. I have no job, no car, no girlfriend, 90 bucks to my name, nothing. I’m grateful that my parents still love me enough to give me a roof over my head and that’s something. but I need more help than that. I have a 1500 dollar probation payment that’s due on January 10th and I have no way to pay it in time. It was a stupid decision I made to steal from my workplace. That’s the reason I’m on probation in the first place. I was low on everything living on my own. 3 months behind on rent, I decided to steal food and money from my work and got caught. I inevitably got evicted and had to move in with my parents at 22 years old. Since then I’ve bounced from job to job trying to make enough to get by. And I just can’t. 10$ an hour is no way to live. And with no car, it’s hard to find a job within walking distance. I made matters worse by trying to win parlays on gambling apps. 5-10$ every day. For 3 months. I had it in my head that if I tried enough I would eventually win something. But the house always wins. I know that now. While I don’t entirely feel like I deserve this, I’m asking despite that fact. I just don’t know where else to turn. I’ve been trying to find a good paying job, plus I’ve been looking every which way to find extra bits of cash to no avail. I’ve exhausted all my resources. I’ve asked every family member in my tree. I’ve also asked every single one of my friends if they could contribute anything at all to, alas, no avail. I’ve even gone on the street playing my guitar hoping someone would donate anything they could. And while that was a bit of a win in terms of monetary gain in the mildest of sense, I can’t do it every day. I live so far from a major city. I’ve never been in such a depressing position. The only way I can see myself getting out of this hole that I’m in, is if someone took it upon themselves to help. I really hope this reaches even just one of you. While I only need 1500 to stay out of jail, anything else you can contribute for a car, place to live on my own, or anything like that would mean the world to me.

My cashapp is $OrinPaschall. And my PayPal is the same.

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Any Amount Helps

My fiancé and I are 24 years old and raising a 13-year-old. Quite an interesting statement given we would have had to be 11 when we had a kid. Not exactly a common occurrence. Let me jump back to the beginning.

My father was never really in the picture for about the past 12 years of my life. We had a bad relationship to begin with and after my parents divorced, that relationship deteriorated even more. It was up to my mother to raise me and my younger brother. Things weren’t the easiest, but we made them work. About 9 years ago, I lost my older brother. He was a single father doing his best in a bad world to raise his daughter in a better life than he had. He passed away in his home and his daughter (my niece) was the one who found him when she was about 4 or 5. Her mother was a drug addict, so my mother (my niece’s grandmother) took custody of my niece. My niece’s mother passed away about a year later. Things improved (minus the obvious trauma) for a while. But with me, my mother, my brother, and my niece all in the same house, things got a little more difficult, but once again we made it work.

About 4 years ago, I finally got my life together enough to move out of the house. I moved in with my fiancé to provide for ourselves and ease the financial burden on both of our parents (she was also being raised by a single mother much like myself). We got an apartment and enjoyed the first couple years of our young adult life. All was well until my mother got sick. About 3 years ago, my mother started to get sick. She put off going to the doctors because she was a stubborn mule. When she finally went to the doctors about a year after she started having issues, she was diagnosed with stage 4 cancer.

Things were a little shaky for a while, but we continued to make it work. She was going through her treatments and multiple surgeries for a host of other issues. I was stopping over on a constant basis to help take care of things. Her condition worsened and children and youth had to get involved as she was unable to take care of the kids. My father took custody of my brother, and my fiancé and I took custody of my niece. After a few hospital stays, my mother passed away. This was about a year ago. We applied for custody for my niece and were granted full custody. We were enow 24-year-old parents of a 13-year-old. Due to the extreme trauma, my niece had a lot of mental issues. She’s had some suicidal issues over the past few months. We’ve been taking her back and forth between appointments to get her the help that she needs. We’re also going through counseling to deal with our issues as well.

My fiancé is attending school to become a teacher while also working a couple small jobs on the side while she’s in school. I’m working 2 jobs. I’m trying to provide both of them with a nice life. Trying to give them some stability that they haven’t had in the past. Right now we’re a little behind on rent and other bills. Any amount will help catch up. Any extra will go into a rainy-day fund. Thanks to everyone. I wish you the best in your future endeavors.

https://paypal.me/jr41698?country.x=US&locale.x=en_US

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Saving my Fiancé’s life

 My fiancé is dying in Mexico without feedings nor medications for days. The hospital staff refuse to provide any services without funds.  I’m living in heavy debts all these years trying to sustain his life until this point. I’m very weak and sick due to overworking myself for funds. I have no funds left to save him. I couldn’t clear all debts on my own worth more than $50,000 if he was not home. I have few charged-off balances from large loans due immediately. Debt collectors will use legal actions against me, and I can go to jail for unpaid loans. Because of him, I am a delinquent. His life can be either death or in prison soon because we still owe the hospital. Please save us! I’m begging you. I’m scared of all consequences to the point I can’t function well every day. I have lost a ton of money purchasing Bitcoin to help him because it charges expensive transaction fees. I live in the US while he is dying in Mexico. Bitcoins are the only form of payment they accept there. I even emailed many generous people for help but no response back to my messages. I’m losing hope. I’m a Christian and we pray to God every day for a Good Samaritan to save us. We just want to have freedom at the end. All I want this Christmas is him to come home safe. We will work for every dollar to pay you back if we have to. I need funds for his feedings, medications, hospital expenses and departure fees as well as little funds for me to pay bills here which are roughly around $5000. Because I don’t have money, he is laying on the floor to reduce hospital bills for me. I know it’s a lot to ask compared to other people. Any amount you are able to help would be appreciated.

My fiancé is retired personnel from US military after he got attacked and injured from terrorists while being deployed in the foreign country for his mission. He was in critical condition and had a private jet home. Unfortunately, he and his colleagues got arrested in Germany for flying in a private jet during pandemic. There is a law for traveling during Covid-19 and they didn’t aware of it. I spent all money to bail him out of prison and sustained his life until now. After he was released out of prison and had a flight back home, he got injured in Mexico airport and stuck in the hospital now. I have no funds left to help him with feedings, medications nor departure fees no more because I have spent all including my savings.

He has served years in military for this country. His last wish is to be home with family this Christmas before he dies. Please help me saving his life because it’s unfair that no one cares to help us. He has suffered tremendous pain and he deserves to be home after years of fighting for his life. He is throwing up blood because no feedings nor medications now. We deserve freedom and justice like everybody else. All I want for Christmas is my fiancé.

I have nothing to offer you except my sincere words and a broken heart with a dream of having a small family. Thank you for your time. May God bless you and your family. Stay Safe. I look forward to hearing from you. Thank you

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STRUGGLING TO GET BACK UP ON MY FEET… HELP ME DO SO, PLEASE

Starting, especially starting over, is always difficult, a bit like starting this dialog… However, I have always felt that the first step of a difficult journey is always the most significant, and often, the hardest. This (begging for help) is not something that I am accustomed to doing, and it pains me to put this before you now. I am a senior citizen; at a point in life, where most folks are staring to slow down, settle in with their loved ones, and enjoy their later life. Unfortunately, such is not my story…  (And you are here for the story, yes?)  (If not, skip the next paragraph.)

Okay – my back story: I was born 3 months early (spent the first 2.5 months of my life living in a machine in a hospital), nearly seven decades ago, to loving parents who (by their age) could have been my grandparents (no disrespect intended). For that era, I was an anomaly; premature infants like me usually died – I was the exception. The “baby” of the family, I was expected to live up to the accomplishments of my elder siblings, my brother achieving his doctorate, and several other accolades. I started out differently, I know now that I am ADD, but then I just knew that I thought differently than other people. Graduated with honors from High School, the attended University, for engineering.  Year and a half later, my finances were gone (no student loans back then) so I got a JOB, one of many. Married too young, to the wrong woman, for all the wrong reasons; had one daughter, and more than a few good days that are too painful to ever recall. Life soured, her substance abuse followed, and then I filed for divorce when I could take no more. Someone had to grow up and raise my child. That was a banner year – in the middle of a brutally contested divorce, I lost my job (company closed), lost my partner, my parents both died, and the beloved family dog even died on Xmas eve… could have been a great country-western song, there. Became a single dad, in an adverse situation, but tried my level best to not be the worst parent for my daughter, on my own. She wears the scars well, is now a teacher, is terminally poor, but someone has to love even the worst kids… I had several jobs, became an engineer by working my way into and up to it. Eventually met and spent 20 years with an empowered, driven woman (many more good days), but as all things do, that came to an end 3+ years ago, when I was also reorganized out of my 20 year position. No job and was asked to move out. Thus began the spiral downhill…

At first I did okay, started my own LLC, was lucky to get a lot of work, did well financially, but was lacking in the love and understanding that I missed; I tried to meet someone online and only virtually met a lot of “women” who did not have my best interests at heart. A few had been a bit too good at it, for my good. Unfortunately, about 18 months in, the work died out, but the drains on my income (or lack of it) did not. In record time my assets, my financial cushion, and my future hopes were all gone. Yes, I am a victim of false hope peddlers; I will not divulge my total losses, suffice to say that they were very, very excessive. I do not expect anyone to replace all of that – doing so was my bad choice, and my fault. I will (eventually) make that back, and more. I have risked everything, and now at my financial bottom. And as entrepreneur, I will rebuild.  I am currently (and have been for the last couple months) working diligently, again. I am also taking classes on internet marketing, and plan/hope to be successful in that. As for love, I believe that have found my one, but she is now in Europe, taking care of her elderly mom.

My prior faux-pas have run my credit cards up to the max, and because my work is as a contractor (not an employee), I must invoice for my past months work at the end of the month and then must wait (and wait) for the check to arrive. The postal system currently gets them to me 3-4 weeks later. So, I am working, and I will get paid, BUT I cannot get interim funding, so I had no funds available for any of my bills this last several months. I have learned the hard way, that all of my credit cards are shut down now (I can charge nothing) until some past due payments are made, my bank accounts are all empty/ overdrawn, and I have now only a few $$ in my wallet, and I am, quite frankly, scared as heck. I have always worked very hard and diligently, and I am now only inches away from the people who stand at the corner begging for coins. A sobering lesson for future inspiration.  I have always been a good person, and have tried to help others (more often than not, the wrong ones); now I must ask for help for myself, to survive, I find that I have very few real friends. I cannot get a loan now, and I will need at least several months’ worth of checks / income just to get ahead of the curve again – this next check will likely cover nothing for the future… At my age, as a senior, I have to do something soon. Recently, I had to cash in my collection of quarters just to get some gas money.

However, I have come here to make a request. I am willing to work, to do anything I can to raise reasonable capital; to make some real cash now!  My invoice check will not come in for several weeks, but I will need to pay last month’s bills before I can do anything. I just need some interim support to get my feet back under me so that I may run (and bike) once again. Without cash, or my credit cards, I cannot buy gas, cannot buy groceries, and I have no cash to support myself, nor even my friend’s mom’s meds. Just some interim help* is needed to get us through this and allow our dreams to survive. My landlady has been patient, but I have had one eviction notice already…

*any amount would help, but $1K-10K would help get something paid.

Note: I do aspire, should my classes take hold, to pay off my own debts, then pay this forward, to help others…  Any help right now would be most greatly appreciated. Please, help me succeed, help me get back on my own two feet! Any assistance at all would help restore my faith in humanity.

I would like to thank you for taking the time to read this, your generosity, and for your consideration of this request.

For reference, my donation link is:      https://paypal.me/bobb37

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Please read – trying to break free from a toxic environment

Hello there,

a part of me feels relieved that this is anonymous, the other part is completely embarrassed that I’ve resorted to this.

I live in a strict (Indian) household, with parents who say I am living for them – not me. They have all of these cultural expectations; “you need to be married” “you need to settle down” “you’re not allowed to go out” “you’re nothing” “you’re worthless” do this, do that etc. my mental health has been affected. Ive been diagnosed depression, anxiety and low mood and prescribed medication for this
Growing up, I had no social life. I wasn’t allowed. Seeing friends or going out after school or work is “wrong” in their eyes, and it affected me hugely. I was always left out. I’m isolated, I have anxiety and depression and I feel trapped.
i understand you need to respect your parents, and of course I do. But I’m never able to live life how I want it or be my authentic self. In fact, more recently, even planning my 27th birthday with friends has felt like the biggest battle at home.
Yes, that’s right – 27!
With so many cultural pressures, the reason I’m seeking help is to raise funds so I can move out and finally break free from this vicious, toxic household. I say toxic because they even have a tracker on my phone – which I turned off, only to be turned on again to save the arguing.
I don’t really have a real relationship with my parents, we only ever really speak if they something. And even then, I’d argue it isn’t good enough. My brother on the other hand, could get away with murder and he’ll always be an angel.
I completely understand that whilst people are on here raising funds for life saving treatments, I just need some help to honestly, just break free.

however, I am £2500 in debt which makes it hard for me to move forward. I am trying to save my wages, but I contribute a lot towards home, making it very difficult to save.

I have recently been in a car accident whereby my car has been written off – yes I’ll get insurance money but I still need to get a replacement car with this.

in order for me to move forward, I simply want to pay off this credit

I know I’m in a better position than most, but if there is anyone out there who is generous enough to contribute towards paying off my debts I would truly be grateful.

Anything would be hugely appreciated: PayPal.me/jassykg a

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Formula, diapers and bills

2022 has been hard on my family like many others. My fiancés mom passed, then my uncle, grandfather and a couple other family members passed away. Traveling for funeral broke our wallets along with having a baby this year. She is the most important thing in the world to me and I need to keep her fed. Unfortunately WIC will not provide the formula that she needs. Bills have gotten behind due to me having to stay home with my daughter and my job not paying maternity leave. Anything anyone gives will be greatly appreciated. We are facing foreclosure on our home and I’m trying to stop it. Basically my world is falling apart around my feet and I’m not sure what to do at this point. I’m not even sure if this will work but I willing to give it a try. So please if you have the extra to send my way I will be for ever grateful. If you don’t then obviously that’s fine and god bless to you for hearing me out. Everyone struggles from time to time and it gets the best of us. I’ve known struggle most of my life but I have always managed to push through it and give it my good old college try. Unfortunately this time it has just gotten away from me. No one prepares you for this in life. No one tells you that when times get hard then they can REALLY get hard. Losing my grandfather before her got to meet my daughter just about broke my soul. The same goes with my future mother in law. My heart breaks that she will never get to meet them along with my uncle. My family has always been very close knit but I don’t like sharing my struggles with them. We are not a rich family and Covid has certainly affected us in other ways other than illness. I don’t know how to do this or how to ask people for money, I have always resorted to selling my things when I was short for a bill or needed groceries but I don’t have anything worth money anymore. At least not enough for what I need. I hate that money is a thing. I’m sure a lot of people do. I hate the fact that we need it to live life and to do the things that we like to do. I don’t know when things will let up for us or  If they ever will but this was a last resort for me. This has also let me vent for awhile because I just don’t like to talk about struggles that I face from day to day. Thank you again!
I’m just gonna put a base line of about $5,000

obviously that’s just a goal to reach, I’m 9 months behind on my mortgage which is about 13,000 but that’s way to much to ask for.

PayPal.me/kpearson1995

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penniless philosopher

Is there a way to ask for money, while keeping your pride intact?

Is it your fault that you are where you are today? Every poor decision compounded, one upon the next. Or, are you living the life you were predestined to live, each hardship a lesson your soul needs to learn?

The funny thing is, depending on when you had asked me this, I would have had very different answers for you. Now I’m largely unsure, as I am about many things in life. I overthink things. I’d like to believe it’s the latter, but isn’t that just to relieve the pressure of responsibility? Hindsight is 20/20 – why is it so hard to understand things, until we do.

 

Yet, it cannot be denied that we are all born into different circumstances.

 

I have never asked for money before and it goes against every fiber of my being. How can you make a request for money that isn’t dripping with self pity? I’ve always been allergic to other’s pity, my own vulnerability and to asking for help. But times change, and we must evolve or perish. Or maybe I’m just dramatic.

 

Begging for money using the power of the written word. I’m baffled that this website even exists. Begging is an interesting concept indeed. I’m all tied up in whether it’s a moral thing to do,

 

My story:

 

I’d like to keep it brief. I had an unconventional childhood to say the least. Not the worst, but certainly not the best. Brought into the world by a narcissistic mother who had no interest in me, and a father (whoever he is) who disappeared off the map before I was even born. I don’t blame the bloke. My mother’s lack of interest in me resulted in me being bounced around several different countries and living with ‘family friends’ (aka perfect strangers). I’m almost grateful for that because I can’t imagine what a childhood consisting only of my mother’s ‘guidance’ would do to a person. I went to many schools, maybe up to 20. I experienced emotional, sexual and spiritural abuse during this time of my life. Naturally, I came out the other side riddled with anxiety as well as a host of other issues. But I do not want your pity. Against all odds, I crawled my way out of that life and took off to explore the world. Friends have always told me that they’re amazed by my bravery, exploring so much of the world alone. They don’t realize that anything feels better than where I came from, and being alone feels safe to me.

 

Unfortunately, personal finance is not taught in school (seriously – why the hell not?!?). And getting out of a jam when you have no family to lean on is next to impossible. I may have rescued myself emotionally and physically, but it has taken me a long time to comprehend how important it is to manage your finances. I have moved from living in survival mode to regularly work on healing from CPTSD. Now all my hard work is beginning to pay off. I am resourceful, creating a life for myself and learning to love myself. I have been gifted with the knowledge that it’s the little things in life that matter, you don’t need fancy things. Living well looks like having a plate of good, clean food in front of you and a roof over your head. I am interviewing for jobs but cannot wait 2 weeks to a month without a paycheck. I need a little help before then.

I don’t want to ask for a specific sum. I would be grateful for any amount. I will include a screenshot of my bank records as requested.

 

Thank you for reading my story and I wish you well.

 

paypal.me/hborg444

 

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Debt

Good day to everyone,
We never expected to find ourselves in a situation like this, to have to literally ask for money from anyone, ever; but life does have a tendency to surprise us in the strangest ways – especially here in Eastern Europe – plus the impact the war in Ukraine is having on the economy has led to massive price raises and currency devaluations, as we all know & have felt.

Not to waste your time, to go straight to the point — namely, our problem is this — a bank loan for which -literally all of a sudden- (from relative financial security just a few months ago) we no longer have the ability to repay the installments (we have fulfilled all our obligations to the bank until this point but have no idea how to pay the rest) – my wife and I live in a rented apartment, so a large amount of our earnings simply must go for that, and that cannot be avoided or postponed in any way (otherwise we would end up on the streets) and now, seemingly all of a sudden, we ended up barely meeting basic needs.

The prices of everything, especially of food here, have risen insanely, plus winter is coming; so with all of our current problems we’re also worried about how the economic situation will be like moving forwards, when winter starts.
Plus we both have old parents that we try to help whenever we can – and we just can’t do that anymore. We can barely support ourselves (hence this message, clearly).

Our main goal of writing here would be to come up with $4000 (but literally any amount helps) with the help of wonderful people who visit this site – in order to pay off that bank loan (ideally all at once) so that we don’t have that axe hanging over our heads with all other problems that we as a family currently face and the world situation has brought to everyone.

Writing something like this and literally begging for money is not something that comes easy for us, at all; we hate having to do this.
But we do. We have to.

All transactions will be 100% transparent & any proof you would like to see we will provide; we’ll send all data & papers to anyone who asks. We are not doing this for profit, we’re doing it out of desperation, and we’ll be more than happy to put our potential benefactors’ mind at ease.

Thank you to everyone who took the time to read this, whether you choose to help or not.

To those who really do decide to help – we cannot even explain the depth of our gratitude.

Thank you.

paypal.me/kichma

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Struggling This Month £300

Hello my name is Joe, I am 32, a student, I work full time as a cafe chef and I live on my own.

 

I am really struggling this month and have never done this before, I found this site on the off chance and thought I would give it a go. I need £300 to make ends meet this month.

 

The cost of living has crippled me, part of the reason I am studying is to get a career with a salary. I am 6 years sober from alcohol addiction and have spend the last 5 years working in sawmills and warehouses while running AA meetings and studying therapeutic counselling.

 

My reasons for going down this path apart from the obvious career with a salary, is to use my experiences to help others. Empathic responding which comes from within. I was hopeless and on the brink of death and I found hope. Maybe I can bring hope to the hopeless once I am fully qualified.

 

This isn’t a sob story, I am proud of what I have achieved but I do wish to tell you about myself.

 

This year has been ridiculous financially, I have barely scraped through each month and things only seem to be getting worse for many people, especially for groceries. Part of me thinks I could have done better at school, but I was undiagnosed autistic, the school was a warzone and I did my best. Another part of me thinks I could have been business minded, but I don’t think everybody is, and even less people are lucky no matter how much hard work they put in. I also never had the boost to set up. I found alcohol at the age of 12 which helped me talk to people and go to school, it also stopped me from self harming which at the time was a dream come true for everybody. But then the years passed and I became very poorly.

 

Now I am well, studying, working, helping others and being the best version of me. I just could really do with a little leg up just this once. I have put things in place to better manage my wages, and I have gathered books and paintbrushes in place of typical entertainment. I would be so eternally grateful if somebody could gift me the £300 for my living costs this quarter. I have covered some of my bills but just need this extra help.

 

Warmest regards,

Joe.

https://paypal.me/volunteerjoe

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URGENT Need OF HELP! 9,000 debt JUST MARRIED

Hello,

My wife and I recently got married 1 year ago and quickly fell into S9,000 in credit card debt. $9,000 is A LOT of money for us. I am 29 and my wife is 22.

Anyone who has been in this situation before can maybe relate when I say, this debt is taking a toll on my physical and emotional health. I can’t sleep, can’t eat, and it is a CONSTANT worry on my mind.  So I’m begging anyone reading this please please please help us if you can.  Anything given is so much appreciated and an answer to my prayers.

Asking for help has never been my strong suit. I’m obviously desperate posting on a website like this.

Below is a picture of one of my credit cards.  On my second one i owe $3,800 more dollars. I think i can only post 1 picture.

PLEASE HELP

paypal.me/Sossa965

 

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Darkest part of my life but,I still have Faith in people

I’m a 36 yo man, italian, who from 2 years started to learn the meaning of loosing.

I’ve lost the most important person in my life, the main support of my soul, my mother.
When a you loose someone over sickness, some bad thoughts appear, like blaming yourself if anything could have done better.

Been living the last 2 years in autopilot, drowning in my emotions and guided by them.

Now I have to pay the consequences for that too, broken shoulder from an accident on an electric scooter (thanks god only I was involved).

Another consequence is facing my bank debt almost 45.000 euros which is not huge and I’m humbly asking support not to close it but to keep it out of my thoughts at least for a few month.

That amount is paid for almost 900 euros monthly so any thought or any help is better than nothing,

I still have a strong will to regain control over my life, even if it’s very difficult in this very dark moment to have a clear direction.

Maybe I’m not alone alone.. and that’s why I still have faith in people.

 

Thank you

 

paypal.me/MarcoRomani

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Mommy needs car insurance

This mommy’s name is Kristy and I am in desperate need of finding someone that can donate the money for me to reinstate my car insurance so that I can go to Alabama and save what personal belongings didn’t get ruined by all the rain and pack as much as I can In my car and then I can go back to working for door dash immediately so I will at least have an income coming in to support myself and get by until I can get back on my feet and find me a permanent place to live and get me a better job one day. But until that happens doordash is my only saving grace to have any money at all and honestly I made pretty good money doing it up until my car tore up about two months ago and I have been out of work since and I had to spend all the money that I did have put up buying car parts and tires. I had to buy a new battery, alternator, brake sensor, ignition sensor and coil packs along with two tires. During this time I was spending all my money on parts and labor that I didn’t pay my car insurance and let it cancel. Now I can pay $125 to get it reinstated but if I don’t hurry up and pay it and reinstate it then they will let policy lapse and I will have to start over with a new policy and pay a bigger down payment and my monthly payments are gonna be higher since I allowed my policy to lapse. On top of not having a ride at the moment I am now homeless and gonna have to live out of my car due to my psycho cat hoarding aunt going crazy a few months ago and she went by my house to pack up some items that belonged to my grandma whose house I’m living in since my ex left me last year on my bday and took my one and only daughter when he left and he had quit paying bills before he left and I was a stay at home mom for ten years and I had no money to pay anything cause he took all the money with him of course. So I was eventually evicted and all my belongings were put out on the curb. I had enough money to rent a small storage unit so I made several trips in my two door Honda accord moving everything that I could that belonged to my daughter and I but still lost a majority of my personal belongings cause it wouldn’t fit in my car. I stayed in Georgia and lived out of my car for next couple months until my grandmother sadly passed away and my aunt allowed me to live in my grandmas house in Alabama so I could take care of hers cats. I was going back n forth from Georgia to Alabama to visit my daughter at least once a week and I would fill my car up with our belongings each trip and take the stuff to my house every trip but I didn’t move it all and I lost some of it due to rat infestation at the storage place so I lost a majority of our stuff then. I have pics and videos of my storage unit to prove it. Anyways I had planned to come spend two nights in Georgia visiting my daughter while my aunt was coming to my house to pack up some of the stuff that my cousin had stored inside my grandmas house and he was gonna move it to storage so I could fix my house up the way I wanted too and make it a home for me and my daughter. So apparently he went the first day with his friend and packed up stuff and the next day they went back and my aunt met them out there around lunchtime and the next thing I know she is blasting me on Facebook and messaging my friends and even my ex which still had my daughter at this time, accusing me of taking and kidnapping my grandmas cats and called me threatening me if I didn’t bring them back that she was gonna go to police and take out a warrant and that she was changing locks on the house and kicking me out……which she tried a warrant but they wouldn’t file it and she did change locks and I didn’t have any proof of me living there but I still called police and I was told it was a civil matter that I would have to hire a lawyer and take her to court and sue her. I didn’t have money for lawyer so I let it go and I kept texting n. Trying to call her about me getting back in the house or at least getting my stuff and I got no response up until a couple weeks ago she sent a text accusing me of stealing thousands of dollars worth of antiques out of her old house next door to my grandmas which had been damaged in tornado about five years ago and was barely still standing and stealing the cats and she had a check of mine from my grandparents estate that she was holding and she told me I couldn’t get my check until I returned the cats and all her made up antiques I had supposedly taken also. I didn’t respond to her text. Next thing I know I get a call from my daughters father telling me that my aunt is giving him my check and that all my belongings were out in the yard and that if I don’t come get them she is callling Red Cross people to come pick them up to donate to people in need. He sent me screenshots of her telling him how to sign my name to check and deposit it and that she wants him to file for full custody of my daughter right now while I’m homeless again so I can’t fight it and I won’t even be able to get 50:50 custody being homeless and that she is gonna go to court with him and testify against me so that he gets full custody and she is gonna help him get child suport from me as well. So needless to say I was and still at devastated and in shock over all of this nonsense because none of it really happened. All I know is I left my home to go visit my daughter and I have been homeless since over something that I didn’t even do. Now that my stuff was thrown outside we end up having a tropical storm come thru and everything has been rained on for days now so I’m wanting to go save what I can that rain didn’t ruin so I can at least get my irreplaceable items such as pictures, stuff my daughter made in school , her baby book my baby book all of her baby stuff etc. For me to be able to do that I need my car insurance reinstated so I can go get what belongings aren’t ruined and I can start door dashing so I have money to live off of. I don’t mind paying someone back whatever they donate to me either. This will be a huge blessing for me if someone finds it in their heart to donate and pay this bill for me!! This is the only way I will be able to get back on my feet and find me a place to stay and support myself financially and get by daily in the mean time! I want to say thank you in advance to anyone that helps me in anyway! I am also looking for a sponsor for Christmas for my 10 year old daughter.

15ED6A24-4D4A-40F8-B2E0-0CBE8DFFBEFF.jpeghttps://www.paypal.com/paypalme/kristy01599?country.x=US&locale.x=en_US

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19 year old with an opportunity to heal needs help

I am a 19 year old autistic girl with severe CPTSD from multiple rapes, parental addiction problems, and severe neglect and abuse. I have been granted the opportunity of a lifetime to receive EMDR therapy free of charge, the only catch is I will not be able to work while receiving this therapy. It’s very intense and puts you out of sorts for days afterwards, which would make holding a job impossible. I only need around $3,500 to make it through the next few months I have therapy for. I will not be able to do the therapy at all if I do not have the money for my bills outside of it. I have been suffering for years, and I need relief. I have been hospitalized twice in the last month for mental health-related injuries, I don’t think I’ll make it to my 20th birthday without this therapy. Please consider helping me, because this is my absolute last chance to be happy. I have worked since I was 15 year old in very unsafe work conditions just to make ends meet. These conditions caused my mental health to worsen. My earliest memory of sexual abuse was when I was around 9 years old; I was never given a chance. The traumas that haunt me every night were not my fault, yet I have had to live with them day in and day out. Please consider helping me so I can afford to survive through this therapy. I don’t have any family to help me, I’m alone in this. I’m fighting to survive and I’m getting so tired. I am holding out hope that this therapy is enough to fix the brokenness that has plagued me for so long. I have not been able to receive help until now. The gift of the free EMDR therapy is so priceless to me, and it would shatter my heart and soul to have to pass up an opportunity like that just because I can’t afford to stay afloat while going through it. Christmas is coming, and all I want is to be happy again. I want to feel safe in my own body again. My biggest wish in the whole entire world is to be able to sleep without reliving my rapes every time I close my eyes. I wake up sobbing almost every night because I can feel it happening all over again, and EMDR therapy has been proven to heal wounds like mine.Thank you so much for your time and consideration, I am so grateful.

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Alone, Autistic, Cold, and Hopeless

Hello, I am a 38 year old man and found out the hard way and way late in life that I’m autistic and no longer able to hold a job due to severe autism burnout. If you don’t know, autism burnout can last years if a person is unable to recharge. Sadly, people tend to ignore my suffering and attribute my misfortune to laziness, which is absolutely not correct. Just a few short years ago, I was making $100k per year and enjoying the good life. Unfortunately, the stressful work and 100+ hours a week with no days off for up to 3 months is what got the ball rolling on my decaying mental health.

My parents both passed away years ago and I have no family, so I don’t have that option for a bed to sleep in or a warm meal once in a while.

I have applied for disability and have been waiting for that for about 2 years at this point. Being approved will literally save my life and that’s the only reason I’ve kept fighting this long. Disability is the last glimmer of hope that I have left to have any quality in my life. 

I’ve spent the past 2 years homeless and in survival mode.  It’s impossible to recharge while in survival mode. If you’ve experienced it, you understand. If you haven’t, I envy you. 

Whatever energy I can muster goes into my very basic needs, and I have to figure out how to meet those everyday, which is getting more and more difficult. I’m constantly teetering on the edge of experiencing total shutdowns which are becoming more and more frequent. 

I absolutely cannot get through this without some compassion and help from others. (unless I get disability, like tomorrow) That’s just the cold hard truth of my current situation. 

I just want to be able to breathe a little bit. To get a break from worrying about eating or putting gas in my car with the $5 that I made from doing hours of surveys online. 

I’d absolutely love to be able to get a hotel room for even a week or two so I can get some legit recharge time. But I’d be grateful for a single night. I don’t live in the best climate for car camping,we just got hit with the first bitter cold weather of the winter and I’m not looking forward to another winter in my car. 

I appreciate anything. Even if it’s not enough for a room. A little gas and a warm meal are great too 🙂

paypal.me/NomadikLeather

 

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Struggling with many part time jobs to make ends meet

Hello. I am requesting assistance with my debts. I am currently married with three children. My husband works full time, and I have several part time jobs and side hustles. We seem to have just been bombarded with more expenses than we can handle. We had a small sum of money that was loaned tona family member in good faith, but we aren’t going to see that returned. Our current income covers the bare minimum. We’ve been hit with a hospital stay (me) an inpatient mental hospital stay (my son), previous debt that’s mounting, and now my transmission is blown. I’m on the verge of a mental breakdown, and I don’t know where else to turn. I’m sure my story isn’t unique, but I hope it sparks some kind soul to help.

https://paypal.me/PamNeese