Hello to anyone for taking the time to read this request.
First of all, never in my lifetime, did I think I would be in a scenario like this, plus somehow in a strange way come across this site. The reason for this financial help is for my wife and I to get caught up on many bills that are behind and live a somewhat normal and stress free life again. I am currently 72 years old and my wife is 70 years old. We are both on social security, with my wife’s being a disability account. I also receive another small pension every month.
So, this current scenario for financial help is basically something that has developed probably over the last three years and culminated to this point of need. Over that period of time I was using credit cards to purchase mostly food and normal necessities for our home. Also, for the usual holiday and birthday gifts for my daughter, son in-law, and grand daughter who is now 7 years old. We have not actually seen her in person, as we are in Pennsylvania and they live in the suburbs of Seattle, Washington. Basically, because we could not afford the cost of travel and such. After using the credit cards for the things I mentioned, the pension amounts went to normal household bills. Things such as mortgage ( bought my first house late in life), utility bills (gas and electric) that have really skyrocketed, water bill, sewage bill, auto loan and maintenance, cell phone service, internet and tv service, a separate health plan that compensates for things that Medicare does not cover, and of course unexpected expenses, which may arise and possibly something I might be forgetting. As of the last year, all things mentioned have skyrocketed in cost and is insane.
Now, last year around December is when the downfall in finances began. All of the credit cards I was using basically had reached their limits. I always tried to pay more than the minimum each month, but the high interest rates defeated this purpose.
So, I made the decision to enter a debt relief program for help. What this entails is a decision of what cards you would like to enter into the program. My decision was to enter all except one, which is the credit/debit card linked to my checking account at my credit union, and we also have no savings. The cards you decide to enter, are to be cut up and no new cards applied for. Then, you decide on an amount to be put into a kitty each month, that is withdrawn from the checking account. Then, the debt relief program goes to work contacting the creditors and negotiating a settlement amount. To say the least, they have been great so far and have reached about three agreements with creditors, where they have cut the balances by 50% and they get paid a minimal amount each month. That comes from the kitty that is put in every month. So, if by some means you run into extra money and put it into your account, your debts can be paid off much quicker.
Anyway, this whole scenario is what has created this current hardship. I am in a scenario now, where I cannot depend on credit cards and everything has to be paid by available funds that are in the checking account. So, you can probably imagine what kind of brain racking I have been going through, trying to stay above water. It is a total nightmare.
In fact, at the beginning of July, I did another thing I would have never envisioned doing. That was, contacting my daughter and asking if they could loan me $1000, and I was super embarrassed. Her and hubby were so understanding, they said no, but would send the money as a gift. The reason being, we had actually helped them a few times over the years and always sent all three of them gifts and especially our grand daughter. The main reason for the request was too bring down our gas and electric bill, that went crazy last Winter. We live in a very old house that is definitely not real energy efficient. Our heating system is a gas boiler and we have the old fashioned radiators. This definitely is a scenario, where the heater should be upgraded with a new high tech and energy efficient one, and any other tricks of the trade to make it perform the best and be way less costly. As for cooling in the summer, we use three window units, two downstairs and one upstairs and they have been very efficient and not real taxing on the electric bill.
So, my apologies for this very long explanation! But, I wanted to be as transparent as I could, so not to let people think I was not making this request out of true necessity, and just trying an easy way to obtain money. Also, that someone might envision my scenario and come to the conclusion that some type of monetary influx would really help.
As far as me putting an amount value here, only one thought came to my mind. If any person, organization, or entity felt compelled to donate, any amount at all would be appreciated more than you know. The reason being, any amount above zero is a plus in my scenario.
If someone does feel like they would like to donate. I will leave my Paypal link below, and also provide a million heartfelt thanks of appreciation. Then, think about that old saying, “If you are in need of something, just ask and it will come to you” Also, in a bit of a karmic way, it might work, as most of my life, I have tried to help others to the best of my abilities.
https://www.paypal.me/Ricky963369