I’m not one to ask for anything from anyone, but this last year has been beyond tough. I can’t seem to get ahead no matter what I do and seems like things just keep piling up. I overextended myself and couldn’t see any way-out last year but bankruptcy. I didn’t want to file chapter 7 and lose my car because that’s the only way me and my daughter have to get around to school, work, and I also use it to do Door Dash and Spark deliveries on my off days so, I filed Chapter 13. That lumped everything together into one payment that came directly out of my full-time paycheck. My remaining income was enough to cover expenses along with the side hustles I do. Then right before Thanksgiving my job decided to close the doors for good and my paycheck stopped. I’ve been able to find work, but my current pay is about half of what I was making, and I just can’t see how we are going to continue to make ends meet with the bankruptcy payments and all of the necessity payments. I thought about just converting to Chapter 7 and letting the car go back, but that would actually cut my already lowered income more. Now I file taxes and turns out I owe another $5000 on top of everything else. I don’t know what to do, I feel like just going to live under a bridge, but I couldn’t do that to my daughter. I’m trying the best I can, but I am really tired, and my mental health is shot. If I ever get out of this situation, I’m never coming back to it, but right now I’m begging for any kind of help anyone can give. I don’t know if I’ll make it without it. God bless and thanks to anyone willing to help. paypal.me/inspireus20

Hello. I’ve never been on or used this site before, so please forgive me if my message sounds awkward.
I am a young woman that has recently graduated from college in December. I am in the 4th month of my post-graduation job search. So far, I have done some job gigs here and there and been to and through a few interviewing processes, but nothing has worked out thus far.

I had a very rocky start to my adult life, and this has keenly affected me since then. When I was 5 years old, my father passed away from cancer, leaving my family severely destitute. Unfortunately, the mother my siblings and I had left was anything but loving and caring. She was verbally, emotionally, and physically abusive, and I got the brunt of most of it because I was the eldest. She would regularly kick me out of the house (as well as her other children) and starve us by giving away our government food benefits or simply prohibiting us from eating. I finally moved away after one horrible event at the age of 18 when my mother almost strangled me to death. Attempting to move forward in life, I settled in another state with some family members and went on to finish high school and begin community college. Unfortunately, everything was a struggle since I had little money from retail and work-study jobs I secured. Thankfully, when I transferred to a university, I received an amazing scholarship that paid for almost all of my tuition and additional fees. Shortly after, I had to move out from my family member’s place because of some uncomfortable relationship issues they were experiencing. Again, I had to live in an unstable environment. Now living with my grandmother, who was at least not physically abusive but constantly had explosive and unpredictable moods, was reminiscent of the experience of living with my mother. Although I was 21 years old at the time, she nitpicked and complained about everything I did and constantly belittled me. One night when she was angry about something her guests did, she barged into my room, cursing and blaming me for the issue. After I proved my innocence and explained, she kept berating and harassing me. Since she didn’t like that I argued with her, she kicked me out that night. This happened during the middle of my last semester at university. Suddenly, I was spending a lot more money than I was expecting. I ended up staying with a friend, moving my things into storage, and focusing on school as much as possible. The commute to my school was much longer than it was previously. So, this, among other things, such as car troubles, storage costs, and recurring monthly bills drained the money I had saved.

Now, I am staying with two family friends, but I am struggling to keep hope alive and stay afloat.
At this point, I am out of funds. I probably won’t be able to move for a while, so I’ve just been trying to get by day-to-day. Unfortunately, my side gigs aren’t cutting it anymore, and I have no more money for food, personal necessities, bills, or gas. I am close to maxing out my credit card and still owe some people money. I am currently about $2,500 and counting in debt. I am still deep in my job search and hoping to get hired this month asap. I am desperate right now and don’t have anyone to turn to. I don’t feel comfortable asking the 2 people I owe money to again for more money because, although they are better off than me, they are not rich and have families to care for. Please help me with whatever is possible. Any and everything would be so extremely appreciated. Thank you for reading this far, and please have a wonderful day.

paypal.me/shamouya

Blessings to everyone out there who have been kind enough to share and give to others as some of us have who also have given to many as we are now in need of assistance. This has been truly a year of change  as well as unexpected trying life events. I have worked dutifully for a special small business which offered holistic wellness guidance/ products for 12 plus years. I’ve worked through the pandemic with a wonderful co-worker and dear friend to still help people improve their health while trying to stay safe via curbside through all four seasons.  The office where I worked closed on April 30, 2022. My last day on payroll was May 1, 2022.  I was denied unemployment after years of loyalty and dedication.  I also filed for an Appeal to receive  a reversal from the Unemployment  Commission which had been backlogged. Rent, utilities, credit card debt  are now charge offs, etc.. The other office  in another city was inconveniently located as my paycheck had been slashed by half  6 weeks before closure but, I still gave our clients 110 %.  My job was close to home as my maturing mother and I live together.  My mother  also had a mishap  fall out of the blue  in the restroom  2-3 weeks after this job loss which let me know it was  important to be accessible and close by .   She  then would be admitted from the E.R. to the heart hospital  for 1 week  on August 31st, 2022 with fluid in lungs and around the heart. She would also go back in October for another 3 days.. My aunt, mom’s youngest sister was also admitted to the  hospital after suffering a mini stroke at her job September 1. 2022. Fast forward to Palm Sunday  early a.m. 04-02-23 as my mother’s car  was vandalized from a failed auto theft attempt as a neighbor chased 2 young men away. They broke back window and  tore up the ignition area . Her insurance will not cover damage which is a shame .Four days later (4-6-23) , my older brother who is also a heart patient was the random recent victim from gun violence from young adults shooting near his apartment complex as he was heading out with a friend. He was grazed by a bullet on his back and his friend suffered severe cuts to her left arm as her driver side window  was shattered leaving fragments of glass in her arm. This has been a strange crazy week but, I thank God for saving my family members from greater harm. I had revisited the idea of seeking financial assistance  via kind human beings over the last month because so many responsibilities are staring me in the  face. I am a hard worker and, I’m looking forward to moving forward to once again be gainfully employed. Hoping I hear from future work from home opportunities now that my mother is getting a little stronger. It’s been hard and . quite hurtful  to be treated less than holistic my former employer but, glad that my Spirit is on a higher ground. I am praying for help because I sure could use it to get back on my feet. I will also look into a holistic wellness business because I hear many clients appreciated the care and customer service that was rendered. I am thousands behind in my bills and, just thinking about my mother’s car as well as my brother’s back healing up. Be a blessing to also share to help them as well. Thank you for listening . God bless…N

paypal.me/NoLjazz

I’m currently 26 weeks pregnant and behind on rent due to hardship. I was diagnosed with HG, making working a full time job almost impossible. I was sick all the time, spent countless days in the ER, and tried 5+ different medications that did not help. I had to leave my job and find more flexible employment and am now drowning in 10k worth of back rent. (Living in DC is ridiculous). I also got behind on my car payments and my car is now up for repossession. Im just trying to catch up to create a better life for my baby. I want to move back to my hometown and start teaching again and have a fresh start but this debt is making it impossible.

paypal.me/taylortodd725

I really do not know where to start with this. I guess I’ll start back several years ago, about 9 years to be exact. I was, young and dumb without a care in the world. Unfortunately, I was starting to hang out with bad crowds, and starting to make bad choices. This went on for about a year and a half until I met someone who was taking temporary residence in my city, and who had an 11-year-old daughter. Suddenly I had more than myself to care about, and things started getting better. As our relationship grew, so did we. We became a family.

We decided that it was time to get away from the city we were in because there was too much crime and drugs in the area. We didn’t want her daughter to fall into the wrong crowds, so we put our savings together and moved to a small town out in the country with a population of 480. The country life was nice. We bought a cheap raised house near the Illinois river. It took everything we had, but it was ours.

It was a bold move we made, neither of us had any jobs lined up for us before the move. We lived off what little savings we had left for a few months. While I was searching for work in the nearest town 30 miles away, I was also selling scrap metal from cut-up barges along the river bank. I actually did pretty well with that, and I was also cleaning up the river banks. But in the long run, it ultimately cost me a vehicle, but the income kept us living.

We lived in the house for no more than 9 months. Up north got heavy rainfall, followed by a nasty winter, and the river started to rise. We rode it out as long as we could with the river surrounding all 4 sides of our house. We and our pets eventually had to evacuate with the help of a neighbor with a boat. We had only left with bags of clothes, and a few small items, there was no way of getting anything else out of the home.

We had enough to rent a very small one-bedroom apartment 15 miles away and to afford a few air mattresses. This is how we lived for 2 to 3 months. When the river dropped enough for us to reach our house, we went back to see how bad it was. Everything was ruined, it was all gone, everything that we had worked for. All of our possessions, the home, all of it. It was a very crushing blow to the soul. I reached out to FEMA for help, but there was nothing they could do because it wasn’t considered a disaster area.

So we made a new life in our tiny apartment. We lived there for 3-4 years. It wasn’t great, but we made it happen. The school was 2 blocks down, I was working, and so was my wife. About 2 years in, my wife came down with a disorder of the immune system which caused her to start working less, as well as myself because I was always worried for her and trying to take care of her in any way I could.

Funds started running low again and we didn’t have an option but to leave. We made our way back to the city where we first met because I have family there. My mother was kind enough to let us have two rooms at her house. But tensions got high in this living situation quickly. Two families with different opinions living together can get like that, especially when one person suffers from alcoholism.

Luckily we didn’t have to live butting heads too much though. We had both saved enough with me working, and with her working as much as she could with her ailments. We managed to gather enough for a deposit to move into a two-bedroom apartment and have our own space again.

The apartment we moved into turned out to be a nightmare though. The first year we had to deal with a massive invasion of roaches due to the downstairs neighbor. The landlord refused to do anything about it until she moved out. When the neighbor was evicted, the landlord brought us a few cans of raid to solve the bug problem, but it was so bad I could literally hear the roaches laughing at us.

It took months for the landlord to finally fix the problem correctly. That problem at least. Any time it rains, I have to rearrange every room in the home due to leaks that haven’t been fixed in the four years that we’ve lived here. The electricity constantly flickers. And squirrels have taken residence in the walls, ceilings, and floors. This apartment is a death trap waiting to happen.

The pandemic had taken its toll on us too. My wife lost her job, and I was barely hanging on to mine. The bills were starting to back up, and the stress was rising once again. On top of all this, my sister who is just 3 years older than me, was diagnosed with stage 4 cervical cancer. She took chemo treatments to try and battle it, but it took a turn for the worse, and it became metastatic and spread throughout her entire body.

When I lost my sister, I lost a huge part of myself. I became so depressed that even getting out of bed felt like a chore. I lost my job, and my will to live. I couldn’t find purpose in anything anymore. It took a few months to pull myself out of this dark place. The bill stack just got higher and higher.

Ever since it’s been a constant struggle. The bills are never on time anymore. Everything is always paid for at the last second. My life feels like a chess game now. I have to plan my moves appropriately, one bad move and it could be game over.

Two days ago, my car broke down while I was working. Working to try and pay my electric bill that’s due today. I’m stranded, with no car, no money, and soon no electricity. If I can’t find a way to pay the bill by the end of today, I’ll violate the deferred payment arrangement, my bill will hike in price, and I’ll have a few days, maybe a week before disconnection.

My car is at the dealership, still waiting to be pulled into the shop to be serviced. I have no idea how long this may take, or even what it’s going to cost if it’s not covered by warranty. My wife just started a part-time work-from-home job, but it’ll be 2 weeks before she receives her first paycheck.

My big concern right now is to make sure my electricity gets paid. The bill is $152.03, tomorrow it will be $243.45. I have nowhere else to turn to, please help.

https://www.paypal.com/paypalme/StevenWimbish

Hello,

 

I would like to start off by saying I apologize if this is disorderly. This is the first time I’ve done anything like this and I am a little nervous, stressed, worried and in a rush as time is critical. I do think this is amazing and can’t wait to be on the other side with you guys one day helping others!

 

I am 37yrs old with two children both in their early teens. I have been barely making it for about a year now. I have always worked and provided for my children. In November of last year I lost my job for poor attendance. I will not argue the fact that yes I had poor attendance but these absences were out of my control. As I had missed for surgery, transmission not working in my vehicle and so on. Though I do not blame them as I was absent for more than policy allowed, it made and already tough situation even more so. I have been getting by and I found another job though it is not paying near enough. In my search for a more adequate career, once again things are making it difficult to provide and survive for my children and I.

 

I did have my transmission replaced and it was wonderful for a few months, now it is leaking transmission fluid and my warranty is out. My daughter is struggling with some emotional/mental health issues, and is requiring therapy. My grandmother was placed in a nursing home as the family could no longer adequately provide what she required, and we all are pitching in to cover the financial cost. I’m not one to make excuses and I know life is hard for many. I know that it will get better one day. I am working as hard as I can and trying to figure out every way possible to make rent, utilities, provide food, necessities and medical/personal expenses. And though I am doing this daily I have come to the point of I cannot provide rent, my utilities will be cut off, my gas already has been shut off and the reconnection fee is more than the bill. I am at a loss of how to financially cover all my responsibilities.

 

I come here requesting $2,000 this would provide my rent and for my gas to be turned back on. I do hope I was detailed enough to elucidate the reason for my request.

I do appreciate anything given and thank you in advance!

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

I have worked as a nurse for almost 10 years now in Colorado. I have overcome a lot of challenges and traumas, but recently things took a turn for the worst. In December, I became very ill and was diagnosed with Lyme disease, Mycotoxicity, and Postural Orthostatic Tachycardia Syndrome. We began treatment immediately, but unfortunately, it ended up making things worse. The last few months I could barely work, and without any PTO saved up, I missed out on a lot of money. I had to take out high interest pay day loans to get by and borrow from family. Now, in April, I had to take a medical leave of absence for atleast a month because when I stand up, my blood pressure tanks to 90s/20s and I feel terrible. Including the bills for this month too, I am around $15,000 in the hole and have no way to cover it because my short term disability isn’t going through. I am a kind, caring, hard working individual, and I would never ask for money if I didn’t absolutely need it. In 2016, I lost my dad to a massive heart attack, and unfortunately my CPR was too late. Then in 2017, I lost my brother to an overdose. I overcame everything to be where I am today, but no matter what, I feel like life keeps pushing me down. I have no one else that I can turn to, I have no family to ask, and my husband is already doing as much as he can to compensate, but there is no coming back from this alone. Loan companies won’t even look at me right now because of the fact that I am out of work. I also go to nursing school full time as well online to further my degree so I can help as many patients as possible, but my student loans are barely enough to cover my schooling alone. Currently I am on 15 pills twice a day to try and treat my illness, and it is sucking the life out of me to do it. I’m exhausted all the time, and the fact that I can not control my health or my finances right now is really affecting my mental health, so I am being treated for anxiety and PTSD right now as well. Please, anything that anyone can donate would really help me right now.

My paypal link is

https://paypal.me/ColoradoNurse95?country.x=US&locale.x=en_US

I’m a first generation high school and college graduate. I don’t have family to support or help me when I am struggling. I am the one that helps my family and friends when they are struggling to make ends meet. Now, I have over 30K in student loan debt on top of 25K in credit card debt. I was an independent student in college and had to keep a full time job while also going to school full time and paying for it on my own. My little brother came to live with me last year which led to the increase in credit card debt. It was hard becoming an over night parent and having to support him and myself on one salary which I wasn’t used to.

When he came to live with me, I was living in a tiny one bedroom apartment with my dog. I ended up having to pay to break my lease, pay a new deposit, and pay to move into a two bedroom apartment. I also had to furnish his bedroom, buy new clothes, school supplies, etc. Essentially, everything for him to live. Having him in sports and trying to do activities with him at least once a month took it’s toll. Buying food for a pre-teen isn’t easy. Making sure we had enough food plus money to pay bills was a struggle. I continued to charge items to my credit cards thinking it wouldn’t be a big deal and I could pay it off later.

Then I had to switch jobs and I took a significant pay cut. I haven’t been able to pay bills off or enough toward credit cards to make a difference. My debt and expenses continue to grow while my salary stays the same. I have cut every expense possible and it still hasn’t made a huge impact to where I can cut off some of this debt. My cards are about to be maxed out and soon I won’t be able to charge necessities to them and support us. I have used them to support us in everyday life with buying groceries, getting gas, etc. I really need support in paying off some of my credit card debt so that I can adequately support my brother and I.

I’m not someone who asks for money or help often but I need it and I have no one else to ask. Anything you give can help. Thank you in advance for your support.

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

In 2021 I joined a non-profit working with schools to meet the needs of students and families in the community. I have since started a food pantry at the school, a clothing and coat closet for students, raised and donated thousands of dollars for medical bills, and organized and transported students to doctor appointments and eye exams for glasses. In the meantime, my employer made an error on my tax withholdings and I now owe almost 2ooo dollars in taxes to the IRS. To be fair, I should have audited it at some point during the year, but did not. It is my fault.

I’ve been in the process of purchasing a run down building in the community to help further (as maybe another non-profit), but cannot afford to put heat or a/c in until I’ve finished paying it off. I owe about 10k on it still. With the tax situation, I’m now even further away from the help I’d like to contribute. I’ll make it, but I want to do more than just make it.

I do not own a home; I have been renting a place with my wife. At the end of this year I will hopefully have this building paid for but I may have to live in it while I fix it up. It’s in pretty bad shape.

The school I work at is a title 1 school. Most of the kiddos qualify for assistance and live in poverty. I just happen to make enough to not qualify for assistance, but not enough to pay for the things I need to be more effective. I’d like to continue working in the community and helping as much as I can.

The majority of my day is spent listening and counseling with the kiddos. It’s been heartbreaking hearing the abuse and neglect that is rampant here in our country. Most of what I can offer is a listening ear and validation of their experiences. The town is small enough that there is not a local counselor or therapist within 45 miles, and most can’t afford therapy anyway. The school did not even have a counselor for most of this year. They had quit while under investigation for misconduct. They’ve hired one finally a couple of weeks ago. We are now helping one another.

Our school has 350 kiddos. Of those, I visit with about 12 a day. Most of the ones I see have at least one parent in prison, dead, or absent from their life. In addition, there are no places for them to go and just hang out. My desire is to create that for them.

I do not want to return to the for-profit business world if I can help it, not that there is anything wrong with it. But my life has changed since starting non-profit work. And certainly I need more help now than ever. It has been the only way I have experienced usefulness and worth in my life.

Can you help me?

paypal.me/ethicalist

Hello gracious donors,

I am in need of your immediate help. My rent is late/I’ve received an eviction notice (today) and my lease is up ( I know crazy timing!),  both of my cats are very sick and in need of medical attention and I have health challenges that need immediate mefical assistance.

Everything changed for me in 2016 while living in Maryland when I was classified as disabled. I moved back home to Missouri to be closer to my brother who thought he would be able to help me with my day to day.  Unfortunately his work and parental obligations keep his schedule fairly full. I say all that because I am overwhelmed with day to day living and this is partially why I’m in this situation.

My emotional support pet, Purrfect, is very sick. He throws up almost daily and has lost a significant amount of weight. He is almost 18 and I am terrified he is suffering and/or is severely sick. Both he and my other cat, Tiny, are overdue for their annual visits as well as immunizations. They are both house cats who should be otherwise healthy however Tiny has started to throw up often as well. I desperately need to get them both to the veterinarian. It is estimated that if they both need labs and xrays that the visits could be upwards of $1000.

Yesterday day I found out that the automatic rent payments through my bank did not go through for the last 2 months even though the bank app says they were completed and marked as complete with a confirmation number. I admit that I am remiss for not balancing my checkbook the last couple of months however I have paid my rent in this way for almost 2 years and have never had an issue before. Now I am told there are contingencies in their process that I have no control over, no tracking abilities nor communication for when they decide to arbitrarily change the process. I was told by my apartment manager that if I didn’t make my back payments by April 1, I would be evicted. I owe 2 months back rent before fees of $1130. Luckily my apartment manager is a decent person and isn’t holding my situation against me. She also can’t do much for me either. In addition on my late rent I have to also come up with 2 months of my new rent of $880 also by the 1st of the month.

As far as me and my health, I have several major issues,one of which is spine related and causes chronic pain. It is known that I need another spine surgery but I have yet to find a surgeon willing to take me on as a client. I had five spinal surgeries in 2 years including a surgical site infection. So no one wants to deal with me I am told. Since being here in Missouri, I have been shuffled around in an attempt to get treatment by medical practitioners who have been either unable or are unwilling to help me.

One of my other health issues has the opportunity for treatmemt by the GI Department at the Mayo Clinic. I have an appointment at their clinic in Rochester, Minnesota next month but have no money to get there or pay for accommodations.

The Mayo clinic is willing to see me about the growing hemangioma on my liver and my insurance will cover the visit after a co-pay but I don’t have the funds to pay for transportation, food or lodging for this appointment or the subsequent appointment (s). My first appointment is April 18th and I will need to be there for approximately 4 days. Currently airfare is upwards of $700 round trip flying from my closest airport to Rochester. Because my disability is mobility related, travel is a challenge for me. I prefer to have a travel companion but again that person would have to be my brother and he can’t take off work nor cancel his children’s activities to deal with me. So flying from the closest airport is my next best option. I don’t have a vehicle so I also need ground transportation. At least once there the Mayo clinic has free shuttles to help me to and from my appointments. I also hope to stay at a hotel with an airport shuttle.

Additionally while gone I will need to either place my pets in a kennel or have someone come to my home to take care of them. Either option is approximately $50 a day.

All said for my Mayo trip I estimate the cost transportation,  housing and food to be approximately $2100. I won’t know about trip 2 until after trip 1.

All together I need approximately $5500. My disability just doesn’t go far enough. If I could have all I needed, I would have someone to help me a few days a week but I just don’t have the money. I need a bigger place because I am unable to store the little I have and I can’t get around my place with my mobility equipment. But with the market and my credit score I am blessed to have what I have. I am also blessed to have been highly compensated for a number of years. So much so that I was given a higher disability amount but that also means I don’t qualify for other help. I can go on all day about being a great member of society before my health changed or how I want to contribute again if I were in better health or had help, etc. But I don’t know if you care about that. I am willing to chat with whomever is willing to listen and hopefully help me with my financial situation to provide more context and support for my request. I am in a desperate situation or I would not be asking for this help, especially in this manner. Your interest by reading my plea is greatly needed and appreciated. Thank you so much.

 

Mary