Hello There:
I am reaching out with humility to ask for financial assistance for myself and my family. This is not easy for me to do, because I have always wanted to work hard, provide for my family, and handle my responsibilities on my own. However, I have reached a point where I realize that I cannot get out of this financial situation without some help.
I am a Christian, and my faith in Jesus Christ is extremely important to me. I am doing my best to trust God, remain faithful, and continue doing what I can to provide for my family. I work full time and work overtime whenever I am able to, but with the cost of living in California, it has become increasingly difficult to keep up with everything. I am married and have five children, all of whom are school-aged or growing up quickly. Providing for them has been a tremendous responsibility, and lately it has become extremely difficult financially.
Since around April, I have found myself trapped in a cycle of payday loans and lines of credit. I originally turned to these services because I was trying to cover necessary expenses and make sure my family had what they needed. Unfortunately, once I borrowed the money, I found myself having to borrow again to cover other obligations. I have remained current on all of these payments, but I feel like I am constantly moving money around just to stay afloat. I desperately want to break this cycle and not have to borrow from these companies again.
At this time, I have approximately:
- Cash App: $400
- Possible Finance: $500
- MoneyLion: $500
- EarnIn: $400
- Dave: $630
- Thrive line of credit: $500
- NetCredit: approximately $3,000
I also have other significant financial obligations that I am continuing to pay:
- Car loan: approximately $6,500
- Personal loan through my credit union: approximately $9,500
- Court restitution: approximately $14,000
- Debt-consolidation loan that I took out to pay off my credit-card debt
I want to emphasize that I am current on my payments. I am not asking for help because I have stopped trying or because I am refusing to take responsibility. I am working, paying my bills, and doing everything I can. My concern is that the payday loans and lines of credit are keeping me trapped in a cycle where my income goes toward repayment, leaving me without enough room for everyday family expenses and emergencies.
My living situation is also very modest. My wife, our five children, and I live together in a two-bedroom apartment. We are doing our best with what we have. I also have a cat payment and other normal household expenses that continue to add up. California is an expensive place to live, and despite working full time and taking overtime when available, my income simply has not been enough to get ahead.
I also do not come from a financially stable family. My family has not been in a position to help me financially, so I do not have relatives I can turn to when things become difficult. I have tried to carry this burden myself, but I have reached the point where I need to ask others for help.
I am not looking for someone to simply pay my bills indefinitely. My goal is to receive enough assistance to pay off these payday loans and lines of credit so that I can stop re-borrowing and finally become financially stable. If I could eliminate these high-pressure debts, I believe I would have much more room in my monthly budget to provide for my wife and children, continue paying my other obligations, and work toward becoming debt-free.
Any amount would genuinely help. Whether it is $10, $50, $100, or more, every contribution would help me move closer to breaking this cycle. I understand that everyone has their own financial responsibilities, so even if someone cannot contribute financially, sharing this request would mean a great deal to my family.
As a Christian, I believe God calls us to help carry one another’s burdens, and I am praying that God will provide through the generosity and kindness of others. I am committed to continuing to work, continuing to pay what I owe, and making better financial decisions going forward.
Thank you sincerely for taking the time to read my story. Thank you for considering helping my family during a very difficult season. Any assistance, encouragement, prayers, or sharing of this fundraiser would be deeply appreciated.
Thank you, and God bless you and your family.
PayPal: https://www.paypal.me/cstyle330
CashApp: https://cash.app/$Godslovedone316
Venmo: https://venmo.com/u/cstyle330