Good morning, afternoon and evening to all.
I consider myself a hardworking man in my early 40s who has hit on hard times trying to keep up with the mortgage, credit cards and utility bills. I work full time and try to get as many overtime hours as i possibly can but the only way i can get the extra work at my job is if i travel out of state for 1 to 2 weeks. Inside i know that it’s all for a good cause but the other side of me struggles every time i leave home to make extra money. It breaks my heart to say goodbye to my two beautiful children and a fiancé who is absolutely the best mother to our kids that a man could ever wish for. Since daycare costs a fortune we try to save by her taking care of our kids during the day and working remotely after 3pm. If im not away i take care of the kids when i get home while she works.
My debt started growing once we purchased our home in NYC. What seemed like a pretty good choice turned into a nightmare once we started to fix things up and tried to remodel the place to make it into a home for our 1 week old newborn at that point. What was supposed to be a quick facelift became a complete internal demolition once we found out the previous owners had two dogs that barely went outside to pee and poop. Between the rotted corners of each wall and the urine soaked floors under the rugs, it was a mental challange not to loose our heads. Don’t even get me started on the urine filled vents that were few inches off the floor. We quickly realized why the house always smelled freshly cleaned and had scented candles burning all over the place when we did our walkthroughs. It also made sense why they had a ton of moving boxes until we signed the papers. Gutting and rebuilding inside of the house quickly drained most of our savings and we had to lean of credit cards to finish the job. Six more months and $28,000 in bills later we were able to move in to the house as the pandemic took over the US. For the first two years i was able to manage without feeling the financial strain but late last summer we were hit with two heavy thunderstorms that made two floods within a 4 week period. Most annoying part is that the water/mud that came from the city street sewers that overflowing so i only received $5000 from the insurance for both cases. Between the garage and the basement we had over $20,000 worth of damages. After throwing out most of our stuff and removing the floor as well as 3 ft of sheetrock from every wall in the basement due to wet muddy substance everywhere, we started fixing things up all over again. I was lucky enough to have a friend that helped me rebuild the basement for virtually no pay. Still the materials and appliances hit me below the belt financially. Currently I am about $34,000 in credit card debt and I would be eternally grateful with any financial help. I will do what ever it takes to recover from this hole of mental and financial misery so i can give my family better life than i ever had. I also still owe my fiancé a proper wedding which we have been putting off due to this struggle. One way or another I’ll pull through.
Thank you to everyone who can help and even if you don’t have money to donate I’m happy you read this because it feels good to get this weight off my chest.
https://paypal.me/rebuildingmylife1?country.x=US&locale.x=en_US
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