Hi all! I am trying everything I can to get myself out of a sticky situation.. it’s funny how fast your pride goes out the window when you start to worry about feeding yourself everyday! In a nutshell I had a very lucrative entry level position in the oil and gas field and was in the midst of a new long running project when covid hit. Oil and gas was already on the demise but I do not have a college degree and Am a single female so the pay was something I would never make otherwise. Anyway I had planned to get myself out of a few credit card debts with the money from the new project and was well on my way when— my world shut down due to the pandemic. We were no longer allowed in the places we needed to be to continue. After a couple of months the clients cancelled all together and poof my progress went right back to regress. I have been on my own support wise most of my life and honestly made a bunch of dumb decisions with credit cards- medical and personal- just to survive(now I know that’s not the way) I was hopeful when my state said contract workers such as myself would be able to benefit from the PUA pandemic Unemployment Assistance from the government. I have been trying to reach a live person since March, unable to get through to anyone to begin any kind of payments. No approval no emails. It makes me feel better to know this is not a situation unique to me as thousands are experiencing the same delays with the unemployment system. I waited as long as I could before my survival mode kicked in and I knew I had to get a new job any kind of job to keep a roof over my head. I am still fearful of contracting the virus because even though I am reasonably young, two fairly large tumors were found at my last doctors visit( care credit card balance uuup) I was supposed to have these removed by this summer at the doctors advice but unfortunately that is not my biggest concern now. I quickly found a job doing secretarial work and have been doing that for almost a full week now. I would get a waiting staff or restaurant job on the weekends but I don’t think that is lucrative enough right now to outweigh the risks of my health and contracting the virus. I am literally making less than half of what I was before. I plan to do something(no degree) —maybe real estate to supplement my income in the future. My problem is I am so behind and the medical credit cards are such a scam I am terrified of ruining my credit and going bankrupt. This is just one of the many avenues I am exploring to try and help myself every possible way. I am asking for $1,000 or whatever $1.00 anything that may not mean so much to someone else’s bank account but would help me immensely and your kindness would mean everything. I am sincerely trying to get myself out of this situation and not sitting around waiting on a handout
Emergency Rental, Food, and Bills Assistance Programs
How to get help with rent?
At times, many families find themselves homeless, or unable to continue to occupy the premises of their choice. This may be due to fire, accident, storms or many other causes, but often it is merely a problem in paying the rent. Illness that forces a breadwinner to stay home, or loss of a job; any and all of these conditions can put a family in need of temporary assistance to tide itself over until the members of the family find themselves again in a position to pay their own rent without the need of subsidising or other rental assistance.
Agencies have been set up in many parts of the country to help in this regard. Non-profit organizations, these charities, such as The Salvation Army, as well as some governmental agencies are often able to offer emergency rental assistance for families who are being evicted by a landlord, or who simply have no way to pay their rent at the moment. Realizing that landlords, despite the old cartoon imagery of a rich greedy person feeding off the work of renters, the vast majority of landlords are not really making a profit at all on the current tenant. This is only a stopgap so that the landlord may pay the monthly house payments in the hope of some future profit if housing increases in value some years later. If the tenant can’t pay the rent, the landlord may soon find himself in the same position with regard to the lender. Lenders do not want to hear sad stories.
Although these different programs for rental assistance may be available, much depends upon the funding at the moment. Some programs quickly run out of money and are simply unable at the moment to provide further help to persons in need of assistance.
The vast majority of families in need of temporary rental assistance are those to be found in the low-income range; seniors, disable persons and children are among those most often affected. Others too, faced at one point or another with a temporary emergency may qualify for assistance in these cases.
In most cases, those in need of longer-term assistance, persons who have not been gainfully employed for a considerable length of time with not prospects for the immediate future may not qualify for rental assistance under these temporary emergency programs.
Those more likely to receive aid are persons who are able to convince interviewers of their willingness to do what is necessary to get back on their feet along with the ability to do so. Since emergency funding is considered a short-term “fix” for a crisis situation, the grants may be only issued for a few days, perhaps to defray the cost of a motel room, pending the applicant’s ability to find other lodgings.
Therefore it is important, in most similar cases, for the applicant to show the interviewer the imminent possibility to become self-sufficient.
Most non-profit agencies as well as other agencies attempt to work closely with rental assistance applicants to help them with any additional support as needed depending upon each applicant’s situation. Often applicants are further given counseling and referrals to other agencies that may be more helpful to an applicant.
In such cases, any additional services rendered are free to the applicant in crisis. This may include lack of employment and such other problems that may arise such as medical emergencies. Most agencies participate in these endeavors as well as teaching applicants the processes involved in applying for governmental programs, immediate rehousing and how to apply for Section 8 vouchers as well as information about low income housing, and assistance in paying the security deposits that are almost universally demanded by today’s rental market.
Since the goal of all similar agencies to to render aid to persons in immediate need of emergency housing and other crisis situations, the funds issued to applicants for rent or other necessities is only meant to allow the applicant extra time to deal with the emergency. However, at the same time, applicants will normally be provided with support in the long term to guard against similar future emergencies.
If you have an eviction notice or expect to be unable to pay the rent in the immediate future, or even realize that you need to find less expensive living quarters, now is the time to apply for assistance. Often with early application, money may be available to catch up unpaid rent as well as other options that may be explained to you.
Assistance may also be available to help with the security deposit, the initial rents and even moving costs. In some cities non-profit agencies may offer other emergency assistance to those in crisis. These funds are normally paid out on a one-time basis. Depending upon the location, resources that may be in place for housing crisis families can be wide-ranging.
Potential applicants are advised to find the telephone numbers as well as any other information available to them and educate themselves about the different programs that may be able to help with emergency assistance.
Not only non-profit private agencies, but many governmental agencies, are able to provide interim assistance, depending on the locality. Massachusetts has a program called RAFT, while in Texas a rental assistance program called TDHCA is available. Florida has a similar program called EFAHP and in Connecticut their program is called RAP. Many other government programs around the country also offer assistance to pay rent or a portion of overdue rent in their ongoing efforts to reduce the growing threat of homelessness in their particular communities.
Another program, called the Federal Stimulus Program is a little-known program through which our federal government provides billions of dollars across the nation to provide rental assistance for qualified applicants. These funds have become invaluable to families that find it increasingly difficult to keep up with the rising costs of rent and other housing needs.
HUD the Housing and Urban Development, agency works throughout the country as well. A number of families approaching two million are able to use this program, a program that can not only help those in need to pay their rent and/or security deposits, but HUD can issue vouchers to provide temporary housing as well as providing assistance to senior citizens and the disabled to keep up with overdue rental payments.
These programs not only offer grants to help pay rent, but the government Rent Voucher Program aids applicants to seek housing in the privately owned housing market.
These agencies can, generally, offer legal advice to those facing eviction. Every year millions of people receive free legal advice and assistance to educate them with the eviction process and their rights as well as responsibilities. The government provides funded Legal Services Corp. which provides attorneys who may mediate a solution between landlord and tenants in addition to advising tenants of their rights as well as help them apply for Section 8 or other assistance and another positive aid they offer is help and counseling on housing discrimination.
Counseling may also be provided to help applicants apply for government and/or private grants. Money is available for many of these crisis situations.
It is the goal of these agencies to prevent evictions wherever possible. The federal government as well as the many non-profit private agencies strive wherever possible to help applicants remain in their current quarters without the fear of being summarily evicted. Often these agencies are able not only to prevent evictions, but subsequent lawsuits that may be brought against a tenant. Alternatively, the agency may be able to find more suitable and affordable housing for an applicant facing eviction.
Many churches too offer funds that can help those in short-term financial difficulties. United Way and The Salvation Army are only two of the better-known charitable institutions that may be able to offer help when needed. Generally they give priority to those living in apartments and facing short-term financial crises.
A good number of other national and local charities are ready to help with the expenses of rent and other essential needs as well as providing case management and many other social services. No all charities have ready money all the time, but even those may be able to help by helping an applicant with information about other resources and assistance in applying for free grants to pay overdue rent.
Other agencies that often provide help might be, for example, Catholic Charities, Social Service Offices, United Way, the American Red Cross, the Legal Aid Society and as mentioned earlier, The Salvation Army. Aside from these examples there exist many other emergency aid agencies for those who are able to become informed.
While most of these programs provide only short-term emergency aid, they are designed for the most part to tide a family over until a longer-term solution becomes available. Often these same agencies will be able to direct qualified applicants to resources that may assist them in finding an apartment or house for more permanent security.
It is important however, during these times of crisis, to keep in touch with creditors and the applicant’s current landlord so they understand what you are doing and what you expect to accomplishment. It is important that the applicant be extremely honest with everyone about the situation and it may sometimes be possible to have monthly payments temporarily lowered, or even be allowed to skip a monthly rental payment. Other plans may be devised and put into place to avoid being evicted.
It is well-understood that not only landlords but other creditors too are much more willing to cooperate with persons who are up-front with them, honest in their discussions and show a willingness to cooperate and do whatever they can to improve with situations.
How to get help with bills?
Ask The Energy Company
if energy bills are the source of the hardship, then the energy providers’ own in-house programs are often the quickest way to help rearrange and meet repayments.
LIHEAP: Low Income Home Energy Assistance Program
This national program’s focus is on subsidies for repairs, weatherproofing and utility bills that families cannot afford to pay.
LIHEAP covers any energy related home repairs for low-icome families, including seasonal expenses like air cooling systems and winter heating bills. The local LIHEAP office is the first point of contact for those in need of energy or utility assistance. Eligibility varies from state to state.
WAP: Weatherization Assistance Program
The WAP is a federal grant organized by the Department of Energy that helps needy families improve their homes’ energy efficiency, and has assisted over 7 million households across many states, territories and Native American tribes since its inception in 1976.
According to the DOE guidelines, a household with anyone over 60 is eligible for the WAP, as are legally recognized disabled people. Most states make families with children eligible, and the website for the WAPTAC (Weatherization Assistance Program Technical Assistance Center) can advise others if the grants are available in their area, and whether they qualify.
LifeLine Assistance: Free Cell Phones
Americans in need of a cell phone plan but without the means to maintain one can get assistance from LifeLine Assistance‘s free phone program. This is indeed a lifeline as daily life and business in particular is practically impossible without a mobile phone.
LLA is an FCC mandated scheme offering a free cell phone with at least 250 monthly minutes included. It’s available in the 49 states, Washington DC and Puerto Rico, and typically requires a household income below 135% of Federal Poverty guidelines. For some states it is below 150%. Eligibility varies across participating states, with slightly different rules around qualifying income.
Other sources of help are available at state government level, or many national and local non-profit and charity organizations, and the energy companies themselves.
How to get Food For Free?
It doesn’t always require money to eat, and there are many ways to gain free food without adding to your debts or joining the 10% of Americans who have resorted to shoplifting. Ask people you know, or traders and restaurant and store owners.
Above all it’s important to explain why you are asking for food: because you can’t afford to eat. And not to be critical about what food you eat. Without a certain amount of money, there is no longer the choice of what to eat. So meat may become harder to get or if meat’s all that’s on offer and you are a vegetarian, it’s best to accept it with thanks.
Grow Your Own, Share With The Community
The most sustainable – and satisfying – way to provide free food for yourself is to grow it, and you can start with just seeds if you live in the country or with just a small space in the city. Guerrilla gardening is an interesting urban option, more organised community gardens and allotments can share space and expertise for growing, and seed swapping communities among gardeners are a good source of materials and encouragement.
Ask A Farmer
Out in the sticks there won’t be the option of stores and restaurants as a source of food, but ask any farmer and there’ll be some left on the fields that they didn’t or can’t sell. Many will let you pick these leftovers.
A rapidly growing movement in the United Kingdom and US is the organized and charitable distribution of food to those who can’t afford it. Most of the food is donated, and food banks are one of the easiest ways to obtain some nutritious food. Many banks have conditions for who they can give food to, but there is no need to be ashamed about visiting one.
Links to Food Banks in various countries
Offers and coupons
Online and direct from the stores, many coupons are available to promote new products. And companies across the United States send out free samples of new products. They’re unlikely to provide a healthy, balanced diet on their own but could supplement free food from other sources.
In an affluent country there is an abundance of unsold or waste food, and a little social interaction and resourcefulness can unlock access to a surprising amount of it.
Ask at the market
Often around closing time, stall holders will sell off any remaining stock for next to nothing, and it’s always worth telling them you have no money and asking if they’ll give you something for free. You can often pick up some fruit or salad, and if they can’t offer anything, thank them anyway and ask at another stall.
Free Supermarket Food
Ask at the big stores and you’ll be too far down the chain of command: “My boss doesn’t allow us to do that” will be the usual answer. So smaller supermarkets and neighborhood stores are a better option, where you can talk to that boss. You may find warmth and generosity among Muslims and immigrants to the West who run stores.
It requires some patience, a little nerve and a bit of practice, but it’s possible to get free, professionally prepared food, even a table to sit and eat it at. Restaurant districts in cities are obviously the best place to try this, and expect a success rate around 5%, so it requires persistence, but will sharpen your bargaining skills, and who knows where else that could lead?
Turn up at a restaurant after the busiest time but not too late, and explain that you have no money and ask if they have some left overs in the kitchen. It can help to have a container such as a plastic box ready in case they do have something, and if they’re friendly and can’t offer anything the first time, maybe they can put something aside the next day.
Searching and Foraging
It grows on trees, on the ground and some seasons there’ll be abundant fruit and tasty plants such as dandelions or chickweed. Even cities can produce some tasty wild food, and anyone near downtown Seattle has access to America’s first Food Forest in a major city.
Growing media coverage of the colossal food wastage at supermarkets and restaurants has made it much less weird, and more popular, to search through the dumpsters in search of some quality food to turn into a meal.
Due to the current situation with the coronavirus, I have been struggling to make ends meet, and I am not the type to ask, I rather find my own way to support my family, but right now I don’t have a clue where or how to support my family due to this situation, and this is hard for me to ask but I am falling behind on everything and I never experience this in my whole life. I had a good working job as an event planner but this is where it gets super stressful for me due to I worked for cash so there is no EI for me or how other people who lost their jobs got help from the government if they have EI. And so I tried to see what else I can do but I never been super stuck. I am behind on my cell phone bill, my rent hasn’t been paid this month as I used all my savings on last month’s rent and I was couldn’t pay my other bills. All I am asking is this one time help to help me pay my bills and rent, I wouldn’t be able to pay this by myself, and I am trying to support 3 young children as best as I could but it’s hard to sleep and focus when I am needing to pay all of this.
You can either send a donation to me or you can pay the bill or rent directly to that company, either way, I will appreciate it.
I have attached a rent notice and on the bottom, it has the information of the owners and phone number, I did cross out my name as I am not sure I am supposed to show my real name here, but in any case, you can use “A.M. in unit 6” $1233.00
My cell phone bill is from Bell Mobility the account number is on the photo if you’re wanting to pay directly. $1197.58 it might be a bit more as this bill should be coming in soon.
My gas and the hydro bill I misplaced it I tried to find it everywhere but the bill is overdue in the amount of $850.55
Telus bill is an internet and television bill $462.14 again you can either send a donation to me or pay directly to the company
I should be okay after hopefully, this pandemic has put me so behind and I am really really stuck, Things are looking like they are getting better but for my end still, we are not allowed to do events yet. I am just scared that my cell phone line will be cut off or me and my children being kicked out after the left is off I am just so worried and I have no idea what or who to turn to. I found this website online and Oh god I really hope someone can help me take this huge load off my back.
In total, I need $3743.27 or $4000 (new bills should be here soon)
Any help would be greatly appreciated.
My name is Hertzel, I live in Israel. I just wanted to ” get out of the darkness” and share this with you… I know its not good begging/asking/etc.. but i am really in a mess… I live with my mother alone (no sisters or brothers and mother not working because of health problems..) I try to stay positive most of the time , but it is hard with all of this covid-19 thing.. i was helping my mother a lot with food/bills/rent and also paid my stuff too. But now I’m already 3 months at home, no work because of the covid-19, i dont get any money for anything, and I cant do anything to change things… Also i do not tell my friends about my problems, because they have to deal with their life as well like their parents, sisters and brothers and some of them have babies.. Right now im the one in need, my mother is at the hospital and have to deal with 3 operations to try and improve her health… The operation price isnt low and the medicines i will have to buy afterwards is pricey as well… that’s ehy im here writing down my story to try and get some fast help…
My paypal account is :
I can not believe I’m on here asking for money. I am Justin, I have been in a long distant relationship for two years now. As we all know Covid-19 is going at this times, and now protest. My long distant relationship got robbed, we was supposed to meet soon. We video called and texted alot. All she had to do was finish college and return to Texas, yes we both live in the same state, and only about 30 minutes apart. So what occurred, she left Texas for college a few years back, and got done with college end of last year. We had all taken care of, she had the funds to get her home. It all went south when she was out walking, and got robbed. I been helping her since this occurred, yet paying her rent and stuff. Yet my job has cut hours due to this Covid-19, and I’m now stuck at home because one of our workers tested positive for Covid-19. I got tested a few days ago, yet bills are stacking up now. It was fine before, now i i need help. She can work, yet I asked her not to for her safety. And seeing people are rioting all over. I got most of her stuff paid for, her car broke down I have since got this fixed for her. The only thing that is left is her rent, yes we fell behind on this. What occured was she was paying it, yet again when she got robbed they took all she had. I took over since I had a high paying job. Her Aunt was helping yet got sick, so I am left taking on everything like a man should when he is in love. 2020 so much has happened, and is happening. She would of been home if she had not got robbed. Two years of dating, I wish she was here safe back with me and her family. I did all I could when I could, drop and pay has made me say I need help. She has offered to help, she keeps telling me she wants to help. I just can’t let her, and find out she got out and I’m not there to protect her. The amount she needs is $5k, yet anything will do the amount is due to her rent not being able to be paid. She kept up on this for years, yet 2019 really made us fall behind. I took over paying rent and providing for her, yet it is not easy when your both apart. My salary is split between two, and I mean rent wise, and food wise. All that is usually shared, food brought obviously is for us both, and rent paid is to keep a roof over our heads. Yet now it is split, like I have two houses, yet having to buy her food and make sure I have food here. I can’t believe I’m asking for help, this is not how I do things. I always work hard for what I want and have. A little before back ground, yes I have a ex, and yes she took all I had.. This is my second relationship, and I didn’t know my first would ruin me like she did. I am asking for help to get my wifey home, she just went off for college and now is done, yet stuck there. To many things are going on at once, I should of flown her home when I had the money. Yet it was her car and stuff there she didn’t want to leave behind. I should have spoke to her about how I felt, and we can come back later to get her stuff. She did offer when she was in college, to come back to Texas since she was on break. I Said no because I did not want her driving from Connecticut to Texas, just to spend time with me for a few days. I was more concerned about her safety, and seeing she could use the money there to buy college books, instead of using it to come back for a week. I should of took her up on her offer, before her car broke down. It is getting fixed now, yet months later to late, because now we have fallen behind on her rent. And she is stuck there until it is paid off.
I feel bad 😞 because now we are doing all we can to Meet. paypal.me/Soulmates1990
My name is Dale, I’m 28 years old.
It has taken alot courage to explain my situation on here. It brings me comfort to tell my story without actually using words out of my mouth, which is sometimes hard for me to do.
My story begins with my own anxiety from a small boy, I never had much luck as a kid growing up. Bullied, hardly fed. my mother left us when I was 6 years old. My father had to try his best to bring of us up. My 3 brothers and my young sister. My dad found comfort in gambling which suppose helped him distract away from that. I remember getting my first job, I used to give glad my wages to my father to help pay Bill’s, food. I helped my sister brush her hair & get dressed, iron clothes, take rubbish out, Hoover, polish furniture etc.
I still find comfort in doing all this things when I feel scared or anxious. Just when I was then.
My mother was a alcoholic, had a drug addiction. She was in my life one minute then out again. It was hard to find myself growing up. My last memory of her was punching my face because I didnt want her to leave the house drunk. But still, it didn’t work.
I have been with my current partner for 4 years, the first year was brilliant, felt contented, looking forward to our lives together. We had a lovely home, our little boy Dylan on the way , which he is 3 now.
Then within a blink of an eye.. my partners drinking etc came with a bang. Its a nightmare. She has turned into a different person then I might. Accusing me for her depression, drinking problem, blamed our own son. I would get punched, kicked, hit with things, anything she could get her hands on. They verbal abuse hurts me more then physical. Brings up my past. Like quote “your a fuck up like you mother ” your deluded. You’ve past it on to our son! Just horrible things you’d think someone couldn’t say.
I’m currently getting CBT therapy to help me cope. Deal with things without worry.
I need to put a deposit down on this house that is perfect for me to start again. Its £90 for the application form. Which I have already had the viewing. They’ve want £480 deposit with a months rent which £375.
I have until the 8th june 2020. To get the funds to the agency.
Thank you for having time to read this. I feel better expressing myself.
I know everyone has a hard life at sometime or another and I’m always the one that others turn too. I do not have much but I give what I can when I can to help anyone in need. This time though, I’m the one in need and no one is here to help. I’m reaching out here in Hope’s to find others like myself who can help me. My name is Mary, I’m a recently divorced mom who lives with a friend who no longer welcomes my children. My son just started college and my daughter has cerebal palsy. We have lived with this friend since my divorce and my children are now being judged for every move they make. Since my divorce I have finished my associate’s degree and am on my way to my bachelor’s degree. Since I graduated I will be starting a job next week and will be on my way to stability. I am asking for help to get us a place to live. I cry daily at the things being said to my children and how they are treated, I can no longer turn the other way. We need out and I’m hoping this will help. Let me tell you more about my life. My ex-husband would not work, I stayed with him 23 years because my father taught me that divorce was not excepted. I got tired of being the only one to provide while he played video games. It was a struggle, I worked 65 hours or more a week and he spent it so fast I could never take a vacation. I raised our kids and his from his first marriage. In 2014 my youngest stepson at 20 years old was killed and it destroyed my world but I had to be strong and do it all, his mom came to me but no one offered to help plan anything. But I did it and stayed strong for my other kids. My life has been a mess and I am now on track to getting it the way I need it to be to be happy. If your reading this and you can help, please, my family needs a place to call home.
Hi… I’ve been staring at the screen for what feels like 20 minutes or more, not wanting to do this.Pride? Embarresment? Yes. All I can do is try put it as simply as I can. I’m in trouble… Financially… And it started in 2006. I met my ex wife, she fell pregnant and naturally gave birth to my daughter whom is my pride and joy. Shortly after the birth my ex wife starting showing some troubling symptoms and was soon diagnosed with Stage 4 Aggressive Thyroid Cancer. I worked for a charity (prior to that a hospital) which as many may know, don’t pay the best salaries. We struggled along and sadly got no help from the government. We ‘slipped through the net’ according to them. We struggled through. My ex wife was not doing well and I became a stay at home dad for just over 2 years till my daughter was 3 and returned to work during a financial crash. I returned to the charity I had left. After some time and not receiving an increase for over 4 years I was forced to take on agency work which helped me progress my career as a chef within the care and medical sector, charities, care homes and hospitals. During this time my ex wife continued to spiral despite being clear of the cancer. Little did I know, she had become addicted to alcohol (red bull… The loss of energy from the thyroid disorder and the energy kick it gave and pharmaceuticals making her feel good) We split up shortly after the discovery. Mostly due to ‘the voices in her head’ The Thyroid Madness as it’s called. Of which, at the time one of the symptoms was ‘absolute mistrust of loved one or partner.
I returned to the relationship 2 years later as I missed the family life so badly. She had a child from another man by now and I took the child on as my own and the other guy did not pay a penny to her upkeep. We still struggled as I was still working jobs that paid poorly. She was soon diagnosed with Borderline Personality Disorder. During this time I had progressed my career and was now working as a Specialist Medical Chef catering for some of the most profoundly disabled folk in Kent. My work was endorsed by the lead speech and language therapist for Kent, I had many accolades behind me. We lasted another 3 years and split up for good thereafter. 11 years of marriage down the tube. Soon after our marriage breakdown, I tore the miniscus in my right knee… Scans showed further that I actually had 3, which explained the knee pain I had suffered with for years. I had an operation which left me unable to bend my leg yet was discharged as being perfectly fine, after a few months a stroke of luck had me see a private specialist who agreed to operate further. He explained how he had been training the original surgeon but had the training cut short and was fixing his mistakes a lot lately. After my 2nd operation, he explained that the damage done was that of a 77year old (I’m 47) and he had done what he could. I had mobility now but I must leave my career… 16 years of dedication and hard work gone. In 1984 I was attacked by a dog and had the muscle in right leg ripped in half and the muscle in my left left completely ripped out of my leg so it was inevitable that I would get osteoarthritis (trauma based). The surgeon explained that my osteoarthritis was now beyond being graded.
I have struggled to find work lately and am struggling even more to get the help I need from doctors or organisations. I was put on Universal Credit during my recovery which gave me £650 a month. My rent alone is £550. After bills I was left with about £30 for food. I had to park my car in my sisters garden as I could not afford to run it, I had to walk everywhere despite my knee issues. Unfortunately this has all taken a toll on me. I am single, struggling to find work that does not impact my knees with little experience in anything other than catering. I can only drive certain types of vehicles.
And now the debt from my marriage has caught up with me. I owe the council and £3,800 and they won’t leave me alone. It drains me and I just want to be solvent again like I was before I met my ex wife.
I live on egg sandwiches, baked potatoes, sweet potatoes, bananas and pate on toast. I spend about £28 every 2 weeks on food. I can’t remember when last I bought a slab of chocolate. I save what I can for when my daughter is around. I live beneath my means because I have to.
I know I will find work I can do one day, the law of averages denotes it, I just have to keep on seeking it and one day someone will say. Yes. The job is yours. But at the moment I feel destitute. I cannot pay this back and it gets me down. I also owe my step dad £220 for helping to get my car back on the road when I found a job that required my vehicle. It cost me £1,220 to get back on the road. I’ve managed to pay back £1000 before this Covid issue and losing my job. I’ve also slipped behind on my rent… I was paying that one month back until the work stopped….
I know there are others out there who probably need more help than I do and there is a lot of incidents I’ve not explained here as it would take a long time
I don’t even know if this place actually works…. All I know is that I’ve done my best in jobs to help people and I’ve hurt myself doing it. I understand that it’s important for us to struggle sometimes in. Life as that is how we grow and by our nature we are designed to grow from struggle. But I’ve hit a wall.
There are small consolations for the struggles, like my ex wife saying thank you, that if it were not for me, she would be dead and despite being grey and damaged and wondering why this was the way it was, I realised that I was meant to be there…. That was my purpose.
All I can say with the deepest sincerity is that if you decided my situation deserved help. That I could never express truly how grateful I am. And hopefully I can find that fire inside to get back to helping people again too.
Please forgive the mistakes and formatting. I’m doing this on my phone as sadly my laptop broke, and there is no way I can get another right now.
Stay strong, keep smiling and thank you for taking the time to read about my situation.
Hi! My name is Desiree and I am here asking for donations to help with groceries And bills, My younger brothers and I recently moved in with my sister and we’ve been having a lot of trouble getting money together since my sisters hours got cut at work and I have to stay home with my brothers since their not in school. My sister is already getting money from family and children’s services so she is unable to sign up for any other government help, Which is barely Enough for rent and I don’t meet the requirements for them since I am 17 and under the care of my sister. We’re finding it hard to keep food on the table for our brothers who are growing little boys and eat a lot, my youngest brother Josiah has cerebral palsy and needs around the clock care, so I couldn’t get a job because we wouldn’t be able to afford care. At this point we are trying to find anyway we can to continue to support our family and asking for help where we can. I hope someone sees this and would like to help as it would really mean the world to us. Me and my siblings have been separated over and over again through foster care and we are trying our hardest to keep our family together once and for all. We also know that there are people worse off then us and hope to pay it forward when we can. I’ll tell you a bit about my family. I’m Desiree, my sisters name is Jessica, she’s 20 years old and works at a gas station near our apartment. She is the most caring person I know and would stop at nothing to take care of our family. The oldest of my brothers is Isaiah, he’s 11. He loves soccer, baking, and the ninja turtles. And my youngest brother is Josiah. he’s 7, and even though he has a disability it doesn’t slow him down! He’s very energetic and loves art. He can draw all day long, and loves to try new crafts. We all have been in foster care for most of our lives but we know that we are better off from it. We hope to raise our brothers, so they grow up feeling loved and wanted and even though it’s been rough we know we’ll be able to get through it. Thanks for who ever read this, and I hope you are doing well through the virus. God bless. https://www.paypal.me/des0smiles
I was told my mother would smoke and drink whilst pregnant with me. I never knew my parents, as I was taken into care from them by Social Services from a very young age. My mother was mentally ill, and used to hurt me. I can remember where she tried to crush me in her legs once, but most of my abusive memories have been suppressed. I was told Police would frequently visit the house for domestic call-outs. According to my sister, my mother would starve me for days, with my sister having to sneak biscuits through the letterbox to keep something inside me.
I was taken by Social Services into Foster Care, where I remember being under the care of a lady I remember as “Nanny Smith”. I remember being confused as to why I was there, but I remember my sister came to visit me there at an Easter Time, no other memories of Foster Care I can remember.
Sister took custody of me
My sister had by this time managed to secure a Custody order of me, as she wanted the only family she had close to her, and to make sure I was safe with her. She took custody of me from the age of 5.
Brother-in-law Resented Me
Whilst I was living with her, her boyfriend was coming more and more involved in her life. He would come round, taking us for drives, but with me and him jealous of each other for my sister’s attention. It became clear to me at a young age that I wasn’t liked, and was seen as a threat to her boyfriends’ intentions, getting in the way.
Felt Pushed Out
As I grew up, I became more and more sensitive as a person. I felt like I was really beginning to be a pain by being there, as Mark wanted it to just be him and her, and no kids (of which he specifically told her). He never wanted to talk to me, always ignoring me. At that time, I was at school, and began to see the difference between me and my peers. They would have a proper dad, who they would joke around with and the dad would teach them about cars or do something with them, but I never did. I was jealous of others and started to feel like an outsider.
Helped raise my 2 nephews
At the age of 12 I was told I was going to be an uncle, to which I was extremely happy straight away, but then began to fear how much worse my exclusion might get because of it. When the first was born, I helped all I could. I was used to getting up early to feed him the bottle whilst both my sister and her boyfriend slept in. I tried to upmost to not be the disappointment I felt I was, and just wanted to be accepted for my recognition.
Bullied in school
When I started school, it became very clear very quickly that I was different. I was very scared, very shy with a fear of being singled out. I was a total failure at Maths, from primary school. This spilled into my Secondary School, and I began to be noticed for it. I used to get physically assaulted by a person in particular, but would never tell anybody, as I wanted to look capable of dealing with anything, although underneath I was growing weaker by the year and feeling resented by both my family and my school friends.
Outcast by the class
This led me to start becoming withdrawn, not engaging with people as much. I always felt more comfortable talking to a teacher in the yard on break time than other kids.
Considered a ‘geek’
Because I liked sci-fi and would sit in my room and read up about things, I began to develop a broader curiosity about all kinds of things, from history to geography and science etc. I had a unique fascination with World War II, and intricate details about the war etc. Although nobody else had the same kind of thirst for knowledge. I was then regarded as ‘geek’ and mistrusted by the idiots in the class. To this day, I wish they had placed my in a more mature class, as I believe I could have had the attention I deserved and would have gotten much better grades. This was a major contributory factor in my life and where I am today.
Liverpool City College
Following my GCSEs in 2001, I just about managed to get the grades I wanted to get onto an IT course in Liverpool City College. I spent several years there, taking course after course to avoid getting a job because I still felt like a kid, and didn’t want to grow up. It was this time I began to be a bit of a fantasist. Whilst at home, I used to watch Holby City because I had no friends, and no social life. In it was a very emotionally-repressed Surgeon called Anton Meyer, to which he was cool and could handle anything, nothing ever phased him…I wanted to be him. I wanted people to respect me like they respected him because he had no fear. Without realising it, I had taken on the role he had, and started to be bold and almost arrogant, as if I knew the answers. I think it was just a phase at that time, but I grew out of it eventually. It took me until 2003 before I couldn’t go on any longer, and stresses at home and in my life got on top of me. I failed the last course I was on because the Tutor was ‘too busy’ to help me, and I was too sensitive to ask for help. That’s when I realised there was some sort of anxiety problem developing in me, I didn’t want to be anybody’s friend, and wasn’t liked because I was too withdrawn.
I began learning things at a faster pace myself. I had a distinct interest in Medicine following the medical dramas I used to watch. I was learning about The Vietnam War, The Colonial Imperialisation of Great Britain, The American War of Independence, Yellowstone Park, Geological issues, Quantum Theory…anything I heard of.
At the end of 2005, I was hoping to get into University to take an IT-orientated Foundation course. I can’t quite remember what the letter from University said. At the time, I don’t think I wanted to go to University, as I was starting to feel a little depressed in my life, not doing as great as I wanted to, only getting by, not getting A*’s etc. I can’t recall what had happened, but I ended up going yet again back to Liverpool City College to take an industry qualification called iPRO, which was more practical for what role I wanted to be in.
Whilst at college, I had acquired a job in McDonalds Hunts Cross, later onto Next plc, in a customer-facing role environment. Current I work at a legal Costs Draftsmen Service close to Liverpool City Centre.
In my current role, my job responsibilities consist of running an infrastructure of 60 users, 5 servers, and the security of the network. It’s my job to respond to everyone’s needs/demands, and to make sure the network is running as optimally as possible given the lack of available budgets at my disposal. The nature of the businesses ability to function is reliant on my ability to perform and remediate problems/issues.
I am currently working alone, and without any form of backup. When I first started, my friend Alan from College was the one to recommend me to the management. Although I had to relevant practical experience, he recognised I was a fast learner, and all the theoretical knowledge gained from College could be placed into practise. However, as of January 2016 he left to work for TalkTalk in Manchester, leaving me to take on the role of two or more people and expected to know everything.
Stress of Failure
My stress has been exacerbated 3 fold due to being left alone. As the only ‘geek’ in the building, the rest of the people here are dealing with Legal Costs, an area outside of my expertise, leaving me with nothing in common with them. I am always frightened of not being as good as Alan towards the management. He had a close relationship with one of the M.Ds of the company, who gave him pay rises and all kinds when he was there. Since Alan has been gone, I’ve received nothing
Whilst working there, I am looked upon as invisible due to my lack of common interests. I can’t talk to anybody about most things because they don’t really want to talk to me. I don’t actually know what the causes are, maybe it’s me. I can’t tell, but I do know I find it difficult to discuss anything with them, so I tend to keep away.
Lack of Managerial Interest
The management’s position on me is almost resentful. For reasons unbeknown to myself, I have received no recognition for anything I do, as they simply don’t care. I’ve never been given the chance to prove myself, because I was always in the shadow of Alan. When Alan was leaving, he told me one of the Managing Directors turned around to him and said “Does that mean I’m going to have to learn things for myself?” This, coupled with everything else going on in the time began to cripple my confidence as a good person, as even the Management, who could never be bothered having a conversation with me, began to question my abilities behind my back. My paranoia began to grown. If they’re saying that to Alan, what else are they truly thinking? Am I really that bad of a person? My thoughts are constantly rampant with what they could be thinking of me, where I just wanted a ‘thank you’ for dealing with everybody’s issues in the building. I wish Alan had never told me what was said about me. Added to this, I have not been given a single pay rise since being by myself, Whereby Alan was already given a pay raise for returning once. My salary being so low compared to other businesses in the industry is a major contributor to my financial stresses, and I felt an obligation to remain as I am the only one with the knowledge of their particular set-up, IP addresses, passwords etc. If I were to have an accident, the business would go under because they wouldn’t get a second person in.
My paranoia since the beginning of this ordeal has been tremendous. I’m imagining people talking about me behind my back, I’m imagining the management in my workplace to have been informed of what is happening and they were hiding it from me. I’m imagining my friends hating me because they think I have abandoned them. I’m also frightened of the idea my family have been informed of what has happened, and that they will not want anything to do with me anymore. I’m paranoid in case my finances buckle under the weight of loans and I’m forced to live on the street. I’m paranoid about people in my workplace who are targeting me because I’m constantly angry all the time. I’m frightened in case I have a stroke due to my High Blood Pressure; I’m paranoid about going to tell the doctor about my mental state because I will be labelled.
High Blood Pressure
I have had high blood pressure for some time, I believe. This is due to stress in my life, and probably the depression and poor diet I have developed. Early last year, I experienced a terrible pain in the right-side of my head. Straight away, I self-diagnosed myself with Intracranial Vascular Hypertension, making me panic and further making it worse. I took myself to the hospital, where I was reading close to 130, they were a little concerned. After much waiting the doctor said I had “a usually large amount of medical knowledge” and that I’m suffering from “White Coat Hypertension”, an anxiety-related artificial Pressure spike caused by expectations of it being high. As I realised it was likely to be Neurological, I didn’t seek help from my GP. Instead, I buried my head in the sand and hoped it would simply ‘go away’. I still get them when I’m scared or anxious.
As a symptom of my anxiety I have an unnatural fear of people. I’ve looked into this and it’s known as Anthropophobia. Only within the likes of work and other places that I don’t know anybody yet do I feel the anxiety of meeting people for the first time. I tend to be mistrusting of everybody I don’t know, and expect them to somehow hurt me.
On several occasions I have had panic attacks, these can be almost random but usually when I’m thinking about not having a panic attack doe they happen. The feelings they bring are completely terrifying. Although I know panic attacks can no generally kill you, when I’m having one I literally ‘know’ I’m going to die, and the irrational fears are completely out of my control. I’m not sure how these are triggered or what is necessarily causing them. But I’ve had several, and they can last between 5-10 minutes, with my adrenal gland making me hake profusely.
The anxiety levels in my life have been high for some time. Ever since the start of my Job, my anxiety has gone from manageable to debilitating, often making me lock myself in the server room and not coming out. Every time I see a something on my Network Monitor go Red, I immediately begin to panic, and tend to look a little premature in the eyes of management. The only time I truly can control the anxiety is by drinking to alleviate the symptoms. This makes me feel less anxious and more in control of my thoughts. Although my aggressive nature begins to come out, to which my friends have witnessed.
My depression has been a major factor in my life. I’m not exactly sure how long I’ve been living with it, but it has gotten increasingly worse ever since this whole ordeal began for me. My lack of self-worth and self-respect is playing a part in viewing who I am. I’m not happy in myself as to who I have become, I’m nearly 32, and still alone because nobody understands me. I’m too ugly for a relationship and I have nothing going for me. I’ve often wondered if it would matter if I were to disappear, as my whole life has been a complete punishment, and nothing good has really come from it. I merely exist, not living. I can’t see my future, and don’t think I would want to. When I was arrested, I wanted to die. I didn’t quite believe the reality I was in, as if it was a dream. Even months before my arrest…I’d leave work on a Friday night, buy a big bottle of Smirnoff and Lemonade, take it home, and drink myself to Oblivion whilst talking to my American friends on Social Media online.
For the past 6 years, I have been in my overdraft. This all started when I was working in Next because of my low wage, I couldn’t survive, so I pulled out an overdraft, and simply kept increasing it, with no care in the world as to what I was doing. I was naive and stupid and just saw it as an opportunity to get drunk in town, without thinking of what I was doing. Now, 6 years later, I’m now constantly in my overdraft, paying £40-odd a month to finance it, but just getting by.
I’m currently -£1270 in an overdraft limit, with my balances almost hitting this limit per month due to the servicing of loans and trying to live day-to-day. Although I am managing to pay off my ground rent, utilities, loans and other accounts that are due on time, my personal debt (that of my bank account) is literally 1 pay packet away from defaulting on all of these, of which I have fought for years to stave off.
Half of the reason why I’m still in the overdraft is because of the reliance on Loans to prop me up when I’m at a shortfall in the month. I’ve pulled many payday loans out over the years. When I was in Next, I’d somehow manage to pay them off. Although I had to sell my PlayStation and a Gold Chain to pay off the balance otherwise I would have had legal proceedings against me. I didn’t know how to ask for help, or who to ask. I just kept hoping something would change.
My wages over the years have been fairly stagnant. I receive £1012 a month NET for my role as an IT Technician. Due to the size of the business, they don’t want to spend a large amount of money on me. This hasn’t helped things.
Lack of Exercise
I have a major self-conscious fear of people seeing me exercise, so I don’t really do much of anything. The only thing I do is walk everywhere as I don’t have a car.
My drinking has gotten slightly better, but my desire to drink has not. I have often considered the possibility it’s of a Fetal Alcohol Syndrome: when my mother was pregnant with me, she drank. Maybe I crave the drink because of that (?) I’m not certain, but before my arrest, I used to have regular chill out-outs in my place with my friends every weekend, where we would drink and watch a movie, play Wargames on my computer. The problem came to me, where I would simply drink to excess for some reason, and didn’t know any limits. This led to me being aggressive and hostile, and completely out of control.
Added to the drink is the smoking. None of the friends who used to come to my place would smoke normal cigarettes, although we were known to have a cigar or two.
Not doing anything exciting
My lifestyle isn’t particularly exciting. I don’t have any friends anymore, and I don’t want to do anything anymore. My thirst to be happy has somehow dissipated, like I just don’t care.
This has led to severe loneliness. Nobody has truly ever understood me, I don’t think. I’m a scientifically-minded, independent-thinking anti-social recluse, who doesn’t know enough about normal things like cars or going on Holidays or anything. I’ve simply accepted now that I can’t get a partner for this reason
Boredom of life
The boredom that has come with this is beginning to take its toll. There has simply been nothing for me for a long time. I wanted a proper set of friends who would take me out to the Manchester Gay scene, or even ask me if I wanted to do something or go somewhere. Normal things that people may take for granted
Always trying to be funny
I do have a little bit of a flare for the dramatic. I always feel like I want to impress people, or make them life to be more accepted into their circles, so I try and be a little witty about things. I do have a tendency to maybe a little cheeky too, but never in a truly malicious attempt or to purposefully intimidate anybody; more of a sarcastic manner to get them to like me. I always want to be accepted by everyone, regardless of my faults. I’m not sure what that is to be fair.
I am a highly sensitive person, always looking at people’s reactions to something I say, or afraid to even voice an opinion because of the way that they may take it. My sensitivity does dominate the way I say something, and the fear of getting the wrong thing often chokes me.
Fear of people’s opinion
A person’s opinion of me is very important. I often think I want them to like me for who I am.
Always talk about other’s problems
I used to enjoy talking to pope about issues they have. Even know, I’m a good listener, and people tend to trust my judgement if I understand the situation. Lately, I have been less inclined to be interested in others’ issues, as dealing with everyone’s problems has resulted in my own, and I don’t open up to anybody, which may have helped fester into what I’m experiencing today
My temper is a major issue. I have the strange ability to simply fly off the handle at most things nowadays. There is no build-up between normal and angry, simply an immediate push to angry. I’m completely intolerant to most situations.
Empathy towards Others
Although I have an anger issue when it comes to work or finances etc. I do have a large amount of empathy. I love animals, and could never hurt an animal or another person. I am not a physical fighter, as I was never taught how to fight, or how to think about hurting somebody. For some reason I simply cannot do it, and often freeze if I think about it. I always want to help people if I can. I give change to people on the street if I think I can afford to. I’ll spend time of Google Maps for tourists to make sure they know where they’ll be going.
For recreation, when I’m alone and have no plans, I’ll go and watch Sci-Fi shows, or a film online. I’ll watch documentaries on paranormal activity, as I believe there is scientific evidence for the existence of them. I’ll play my Empire Game on my computer, where I play the British, colonising the world and learning about the historical contexts of how the world is shaped today.
Since the beginning of this whole situation, my life has grown from bad to worse. I have not been able to co-ordinate my thoughts properly, and often go into spirals of depression whilst staring into space. When my social life was good, and I had regular weekly social meet-ups at my place, we would often play games on my gaming computer. Due to the job loss that I suffered; I’ve been unable to host my friends around through fear of having to lie to them about where my things are. This has led to my friends not wanting to know me anymore because they think I’ve lost interest in them, and has severely affected my confidence in returning to normal with them.
I’m simply requesting a little help from whoever can help to get me through an emotional time for me
I’m currently awaiting a DWP Tribunal to tell them why I am unable to work, but in the meantime must live on pennies until then.
Please give where you can – I’ll always be appreciative of it
Due to covid I have been out of work since March 17. I am a single mom of 3 teen boys who are all home now since there is no school. I have yet to receive any unemployment and I have no idea when my job will open back up. I have exhausted all my savings trying to stay current on bills cause once you get behind trying to get caught up again,especially when you don’t know what tomorrow will bring, is nearly impossible. I need help this month with my electric bill though. I have access to food so that is not need at the moment but keeping the lights on is. I’m hoping to return to work next week so next month won’t be an issue.
Thank you to all who read this
It feels so strange to be writing something like this, but the fact a platform like this exists is amazing and I want to be a part of it. As soon as I am financially stable myself I cannot wait to pay this forwards and help someone else.
I guess I’ll start with who I am really. I’m 24, from the UK, and finished my masters degree in 2018. And I never thought I would be in a position like this. I’ve always prided myself on my independence and my hard working nature, I put myself through 4 years of university by working full time, paying all my own bills, everything. But the last year or so has been beyond rough.
I come from a pretty rough area, most people I went to school with are either in gangs or prison, I was lucky enough to break free, head to university and do my own thing, but that kind of thing sticks with you. It’s been reflected constantly in the friendships I’ve made, the boyfriends I’ve had, it’s been peculiar. I spent my early childhood very badly abused, and my early adulthood running from that.
6 months ago I upped and moved again. Entirely new area, new mental state, happiness. I had to use my overdraft, credit credit cards, anything to get away to get my chance, so I maxed them all out, moved, knowing I had a job lined up and I could solve it all. And then covid hit. I started a new job on 1st March, and was furloughed by the 18th, which in the UK was 1 day late to claim any form of government support or cash.
I haven’t had a single pay day in 7 months. I can’t pay any of my bills off, and new ones keep stacking. I found out today my overdraft is being taken away from me, which means I will have daily fees I have to pay on it. Truth be told I’m probably only about £3000 off of being okay, but when you have had so long of zero income it seems further and further away.
This is why I am doing this. Reaching out to strangers in the most soul wrenching, bizarre way I can imagine and asking for help. Any help you can give. I cannot begin to explain how appreciated it would be. I cant wait to pay this forward.
If you can help, heres my link. Thank you a bunch for reading this, and if you’re struggling, I sincerely hope things improve soon.
I’ll start out from last year. I live in a one bedroom apt next door to my mom. In February of 2019 my mom had a heart attack. She had to have open heart surgery a triple bypass. She was release from hospital into my care and my husbands. So we change our living room into our room and gave her ours. We keep her with us for a month. Then she moved back to her home and still couldn’t do much for herself. Til this day she can’t drive or shop or do much of anything. We take care of all her needs. Finally the hubby starts his own painting business late August 2019. Yay things are turning around. 2020 comes work is going descent staying steady for the most part. Then hubby gets hernia then covid hits. Work is at stand still. Ok he can have hernia surgery then hospital says gotta wait due to covid. Now comes more….. Our daughter 27 married 8 years 3 sons. Says I’m leaving my husband can I come home. Easy answer yes. So we have her and 3 grandsons living in our living room. Come to find out her soon to be ex was abusive she hid this from us for years. Well her and the boys are safe. We are struggling but they are safe here. Now last month my hubby goes to do pre screening for surgery. They run some test take some blood. Great surgery is set for May 8th. They call us to tell us he needs more blood work his kidneys aren’t working properly. He gets more blood drawn again. Waiting was the hardest. Thinking the worst. They finally call. He’s in stage 3 kidney failure. He has surgery and is still in pain. Now has to see specialist for his kidneys. Can’t go back to work til he’s feeling better from surgery which has taken a toll on him. I was working right with him. I’ve applied for jobs waiting for response. Fingers crossed. Now the reason I’m on here is to help my daughter be able to get a place and furnishing as she just left with her kids and a few clothes. I pray nightly for help for her and the boys. Any donations will go for them a place to live furnishings for their home and a lawyer to get full legal custody of her sons. Thank you so very much for reading my story.
God bless you, reader. I want this text to do you no harm. First of all I don’t know how to start this letter because I have always been the one who gives and helps. I am an empath. I don’t know is it good or bad, but God won’t give you assign which you can’t follow.
Since I came to ask for money this way, it is certainly because of extreme need. It’s not easy to ask, now I see it, and it’s not easy to turn your life into a story that will be interesting to read.
So, let me put my life in few lines and tell you little bit of me. I am the father of four – Three girls and son. I married twice. I can say that I am happy to have what I have. I don’t like to whine. I love life and enjoy it as much as possible. I enjoy helping people and make them smile. That’s why I like to share what I have. I teach my kids to share, too. However, in that life of giving, a tragedy happened that changed my life and made me seek help this way. My younger brother tried to kill himself. Helping him I came to the dead end. I can’t handle it anymore. He started gambling with my money. I took out loans to pay off card debts. To someone who has suffered a nervous breakdown, be careful what you say. Gambling was his therapy and helped him a lot. Not to mention the psychological side and the stress I went through together with my parents. I thought that if my brother’s life was worth that much, I was going to the end. Now thank God it’s good. He doesn’t gamble anymore and he’s got the therapy. But I still have a debt that I have to deal with … It is not a small amount, but I helped my brother to overcome the crisis and fall in love with life again. If it’s € 20,000 for someone’s life, I would do it again without hesitation. People I need your help as much as you can help. I hope to be able to help someone again, soon. I must also mention that I am permanently employed in a state institution and have a regular salary. I tried to find an extra job to avoid asking for help, but I couldn’t organize my working hours with family obligations. In my first marriage, I built my own house, which I left to my daughter after the divorce. After the divorce, I lost my job and returned to live with my parents, who had no income. During that period, I did occasional jobs. I lived with my parents for 3 years before I got a job at a government institution. After my employment, I started giving small amounts to help my friends. I helped one of them to raise € 5,000 and after that he had two heart attacks and a lot of surgeries and was unable to work in the car wash he had. I paid off his debt in full because I was a guarantor. I had a promise that he would return the money I paid, but he never did. And there are still countless small amounts that I have borrowed and they have never been returned to me nor will they be. I don’t regret it, because I feel nice when I can give. They need that money more. Seeing a smile on a sad face is priceless. Now I need smile on my face to reorganize myself and keep moving. Now I know I’ll never stop to share. It is my heritage.So, whoever wants to support me and bring my hope back – Share here.
THANK YOU from the bottom of my heart for reading this to the very end.
Hi there, my name is Jakub Bednarski. I’m 20 years old and I’ve managed to get into a horrible situation, and I really need help in getting myself out of it.
I know what you’re thinking.. ‘Why should I help him?‘ Well, I have run out of people and places to go from my list of contacts, and I can’t give up trying to find help because I have no other choice left.
During my time in A-Levels and working at KAA (The school I worked at after I completed my studies), I decided I wanted to become financially free and be able to help my family out with their finances. My father has huge debts, I have a very poor elder brother and my mother is and has been living with friends. I wanted to be the one to get them out of their unfortunate circumstances. They all work extremely hard but sadly life has not been too kind to them. They had always taken care of me, and so I wanted to start taking care of them. I came across Forex Trading early on during sixth form at KAA and properly began during my second year of A levels.
For the first couple of months I was making consistent losses and totally messing up by getting greedy and impatient, but the more money I lost, the more I learned from every mistake and eventually got to a point where I would never have a negative week. Accepting losses when needed and not getting greedy with profits. It was going great! I continued this for some time, completing courses and bettering myself to give myself a higher chance in the market. It got to the point where I had reached close to £15,000 in my account, and everything was going great. I was able to pay my contribution to household costs, purchase things that I needed or wanted, and managed to save up some emergency money. I always put any spare money I had back into my forex account in order to give myself a higher amount of trading capital. It was going super well!
I speak with my elder brother a lot and I always tell him about my successes and failures as I look up to him quite a lot due to how difficult his life has been and all the experiences he has been through. This led to our mini-plan.
Once I finished working at KAA at the end of January, I decided to apply for jobs in other sectors and take some time to focus on Trading. All-day every day. It was all going to plan. I made close to £3000 in my best month and of course, I told my brother every day of what was going well and wrong and I’d improve constantly.
My brother and I then agreed on a deal, and as I wanted to help him with all his debts and his broken car, but I didn’t have the funds to help him yet, so we found a solution. He has a perfect credit score, but a lot of debt and he has been paying it off for years. He doesn’t earn very much every month and is barely surviving. He is 40.
We agreed to take out a loan with a bank to allow me to have a larger grand total to play with, and in return within 30 days I’d send him back the entire amount in full, and I’d send him 25% of all the profits in order to help him clear his debt allow him to finally live a calmer life. My goal was to get him £10,000. He took out a loan for £20,000 with Sainsbury’s bank and the agreement was I had one month to use it, and we’d pay it back straight away for there to be no interest payments. Sainsbury’s has a 30-day full repayment with 0 fees if informed within the first 14 days that we no longer require the loan.
Everything was going great. I got the account to just over £50,000 and in the last week before I was meant to withdraw at the start of April, the pound against dollar dropped to an all-time low because of the UK’s current predicament. This blew my account completely, and as it happened so quickly the stop losses on my open positions were, in turn, all ignored and I got margin called. The account in fact went negative although I am protected from negative balances via my broker.
Just like that, everything I had worked for and spent years working on was gone overnight. As soon as I saw this happened, I knew I had to try and recover the funds otherwise things would get very bad, which they have. Fundamentally in Forex, if the value of a currency pair drops significantly, it will retrace in the opposite direction, and vice versa for if the pair rises. I deposited £6000 in total, £3000 from overdrafts, £2500 from savings and a further £500 from friends. I attempted to make the money back, and for the first couple hours it was fine, I made back around £4000 scalping the market until the pound decided to shoot even lower, and eventually, everything I had was gone! This was mid-March. I decided not to tell my brother of this screwup… and tried to fix the issue first. I spent days and weeks contacting everyone I knew, asking for them to help me, but the universal problem was everyone I know would help me if they could.
Eventually, I started to lose faith in myself and my ability to repair this alone and told my brother. He no longer trusts me and our bond has been severely damaged, which pains me greatly but I understand why. I promised him I’d change his life, be it even a little bit by getting rid of his debts, and I only made him £20,000 more in debt. We then began planning how to sort this as he had to pay off the Sainsburys loan on the date given, or legal action would be taken against him. He contacted some of his close friends and he ended up taking another loan for £15,000 from LiveLend and £5000 from his friends. He managed to pay off the Sainsburys Loan on time, but unfortunately, the £15,000 loan repayment is a total of £22,000 and on top of the £5000 from his mates he is in debt £27,000 not including his other debts. As I have no longer have a job, no income, and I am now in huge debt myself, I have nothing left. I have been continuously trying to find jobs during quarantine, applying to all supermarkets and trying to find work, but had 0 success thus far. So as of now and the foreseeable future I am unable to help him and he is forced to pay for debts he cannot afford to pay. The most frustrating thing is that throughout this entire time since things went south, I had continued placing ghost/mental trades so as to not lose my touch and so far the large majority of trades would have been successful with large profits.. further reassuring me that it is still entirely possible to save this situation. But to create capital I require capital. And that’s my current situation.
I don’t know what to do or who else to try and contact. I’ve tried applying for loans myself, although due to my low credit score and having no credit history, I was rejected every time. I’ve applied for universal credit but have not heard back yet. I asked everyone I know and to see whether they’d be willing to loan me some start-up capital but everyone has their own financial struggles and commitments and I currently have no one else to ask or go to.
I have tried contacting banks, and loan companies, peer to peer lenders, explaining the situation but no one can help me.
I really need someone’s help and generosity to get out of this mess, but I have no one left to ask and that’s why I’m here. I hope that this explains my situation in enough depth and I am very sorry to have taken so much time out of your day!
If you are willing to give me some more of your time and you are able to help me with a short term loan or give me advice on what to do to solve this, I’d really appreciate any help whatsoever. My contact details and information will be listed below.
I’d be more than happy to offer my IT knowledge and remote services if needed in exchange for the help.
I’m also currently learning VFX productions through Adobe After Effects to try and enhance my employability.
Please leave me a message or send a donation:
Thank you for taking the time out of your day to read this. I hope I have not added any stress or wasted any of your time!
My name is Jonathan, and i’m a 26 years old young man from Italy. I’m in a terrible situation right now. I have no job now, and due to the Covid-19 pandemic and quarantine searching for a job is a lot more difficult, and I have to look after my father also, who is 75% disabled, and hasn’t worked for almost 2 years, and money are starting to run out. My mother died in 2014 of ovarian cancer, leaving so much pain in our lives. I’m so ashamed for asking, but PLEASE help me! help us! I’m not asking for a minimal budget, because every little donation will be HIGHLY APPRECIATED!!! If it exist, may every God bless you.
My paypal: https://www.paypal.me/jonathanmasucci