So my tech friend recommended this site considering the situation I placed myself in. I was informed that overly nice people help complete strangers from all walks of life. So here I am. My name is Joseph and two years ago my girlfriend and I welcomed our beautiful baby girl into the world. The entire pregnancy we were planning and had everything set so when she arrived we could provide for her the very best that we could. As most sad stories go, all did not work out. The plan was to pay my mother in law weekly to watch the baby while we were at work but instead a month before the due date, my mother in law was offered a in home care position that she could not refuse. That left us with a month to figure out the new plan. After many visits to day care facilities we found out that it was out of our pay range to put her in day care. I had to put aside my desire to start an accredited school for app design and her desire to do online schooling to further her medical career and implement plan B. I had to resign from my position as an Optician to stay home with our baby. I figured I could get a “from home” position but that did not work out. I wasn’t worried because I have been frugal my whole adult life and I could use my savings when needed. Now the sad story. In April of this year my girlfriend and I woke up at 6 A.M. like any other day. She was out the door at 7 like usual and at 7:25 I received a phone call from her. She was on the side of the freeway with her car broke down. We got a few references and found a repair shop not too far from us and had it fixed. We got the car back almost 3 weeks and 1.4k later. 2 weeks later it was deja vu. Got a call shortly after my girlfriend left, had it towed and called the shop. Real stuff here, they were out of business. Turns out they pulled a quick fix and this time we need a complete rebuild or replacement motor. After making about a dozen phone calls I found and had an engine swap. We had no choice. At the moment I have an all time low in my bank account and bills are piling. We were both denied a loan and have no one to ask for help. I have already sold many things and had garage sales and then moved to a place that doesn’t have clean water just to try and keep up. The landlord is constantly busy and we were given a great deal on the place so fixes have been on my very limited knowledge of home repair and wallet. The funds received would go straight to bills and anything that exceeds will go to repairs and then possibly a used family vehicle we aren’t worried about everytime we pull out of the driveway. At this time I would like to thank anyone who viewed this and would like you to know that a lot more people out there need your help more then I do.