Begging Money

Financial Hardship Help

We often hear “I need money now” for rent, food or bills – not an easy situation to be in. See our advice below.

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.

Food Banks

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

United States /United Kingdom /Austalia /Canada /Ireland /New Zealand /South Africa

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.

Waste Food

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.

Restaurant Leftovers

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.

Dumpster Diving

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.

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On sick leave and struggling to pay bills

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Hi, I’ve never done this before, but I am truly desperate. I can’t keep going on like this. I’ve been forced to go on sick leave since November and lost most of my main sources of income since then. I am currently receiving checks from the government, but I was already working for a low wage, so I have even less money, resulting in me being unable to save anything. I live alone, am quite isolated and I cannot ask for anyone else around me, because they just started living comfortably. I am currently unable to eat properly and can’t sleep because the fact that I have so little money makes me anxious. I’m supposed to recuperate to be able to work again and want to go to school again, but it’s difficult for me to save at the moment. I can’t start any projects, because I have so much anxiety. I’ve been living on my credit cards to pay for food and I am doing my best to pay it, but recently I had to pay some medical fees and I just can’t. I feel like I won’t ever be able to recover and I will constantly be trapped in this. I haven’t been able to eat properly in a few months now and I am looking to find jobs that will able to accept me once I will come back from sick leave, but it’s so difficult right now.

 

Please send your money to help me pay my bills at www.paypal.me

I would enjoy a nice meal and returning to school and work without constantly having panic attacks.

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Hardworking Therapist In need of $10,000 to get through financial hardship

In search of a generous donor to help a struggling therapist through a financial hardship. I am looking for about $10,000 and would plan to utilize the money to pay down credit card debt (that has accrued as a result of living pay check to pay check), as I am newly out of school and have been financially independent from a very young age due to an abusive home situation that I was forced to leave before I was financially ready to. I would also like to create a financial cushion for myself in the event that an unforeseen expense should arise, so that I no longer have to utilize my credit cards. Also, I am currently in the process of seeking out a second job, and am open to taking on a third job if needed. I would be eternally grateful to receive help through this financial hardship. Donations of any amount are much appreciated, and I am happy to provide additional information on my situation if needed- I am all about transparency! Thank you in advance!

http://paypal.me/marisabc97

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Please help my Mom and Dad

Hi, I try not to ask of people like this, but we really need help, so I am going to reach out and pray. My name is Joseph I grew up in Memphis Tennessee in a small little midtown house my mother and father worked so hard for. If you’re not familiar with midtown Memphis, it’s an historic district of Memphis. My parents bought the house i grew up in when my mom was six months pregnant my dad was working two jobs and is the greatest dad in the world I know everyone thinks that about their dad but my dad really was even at a young age I noticed how long he would be gone for work every day twelve fifteen hours a day most the time to try and give us the best of course it wasn’t the best but it was pretty good in my eyes,  I got my work ethic from my father. He taught me to the best I could be and never give up because the job was too hard just get it done then you can complain. He never made that much money he was a pressman at a printing company an artist in a dying art he used to say, but he would break his back to the best he could. Ok back to the house I grew up in they bought in 1976 right before I was born.my brother and I grew up in this old house that was built I think around 1911 or in the twenties for sure but yea it’s that old and it’s their house. Around 2001 my brother was killed in a tragic automobile accident and i watched my parents slump into a deep depression which I did too. The house fell into disrepair during that time and that’s when the giant oak tree in the back yard started to die my dad didn’t have the motivation or the youth to deal with it after losing his oldest son, and I had a new daughter wife and another on the way I didn’t have time to fix up the house. Keep in mind were just a blue-collar family living paycheck to paycheck, one thing led to another and its 2023, I have a daughter in college and my family is broke. The giant oak tree in the back yard is dropping a limb is every storm that comes through and is destroying the roof which is leaking in certain spots. I actually have pots and buckets in the attic to catch the water when it rains. I would give anything if I could pay for the tree to come down give my mom and dad a new roof and fix(rebuild) their deck that a giant limb from the big oak demolished. The price for the tree to come down is 7500.00 and a new roof is an easy 15,000.00. The deck we could do without but since im here it would 5000.00. if anyone feels it in their heart to give, please do it all for my mom and dad both in their 70s now. All together we are looking at probably 32,500.00.  anything would be greatly appreciated. Thank You and God bless.image7.jpeg

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Family in desperate need

Hello and thank you for your consideration, I’m a 41 year old husband/father who has just experienced identity theft and cyber attacks in the worst way, depleting our bank accounts, repo letters, destroyed the credit it took 40 years to build, leading to the doors being closed to a small business I started back in 1999 that has been 100% of our family’s income since. We have been evicted from our home, the 1 vehicle we still have is going on 5 months now in repo that at the moment luckily is a suv that we can fit in to at least keep warm. I have never been in a position to where as I “Need” the help, I’ve honestly always been more on the donating side, but my name and credit right now are disgusting and my kids are sleeping in a car, hotels, couch surfing friends house. I’m a honest man that feels as the world is on my shoulders while treading water in the ocean. I’m a strong believer of what goes around comes around, one hand washes the other, etc… and that’s why I’m hoping if there’s anyone out there that is in alittle better position than we and able to help us, I know of 2 parents and 3 little girls who would ever be most grateful.

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Needs help

Dear Sir/Madam,

Thank you for taking the time to read my story.  Please bear with me as I write this as I have never asked for help through a platform such as this.

My name is Taufiq, I have 2 twin daughters who are 14 months old, both of them are not breastfeeding, from the age of one month they only drink formula milk, which is expensive for me.

My wife decided to teach since my two children were 6 months old to meet our daily needs, even though to be honest it’s still not enough, in fact now I have a debt about $ 400 which is due, until now I haven’t paid it off, namely debt for shopping for diapers at the store  online, now I even lost my job, now I’m confused to pay the bill.   Until now my wife and I are still living with my wife’s parents because there are no funds to build our own house.  ​I have lost my job this week, I am still unemployed, I want to open a small business, but to eat everyday my savings are running low, if this week I don’t find a new job I don’t know what to do anymore, while in  my country is very difficult to find a job.

My wife and I each don’t have a father figure, my wife’s father died 5 years ago and my father died 2 years ago, so we still have an obligation to help our two mothers financially.  My mother sells a staple goods at home, where her income is only for food everyday, and my wife’s mother sells fruit at the market, where her income can only last a day.

I really hope there are donors who are willing to help me, if I am given enough money, I will pay off my debts which if not paid soon will be getting bigger every month, , help my two mothers financially, and I will make good use of that money, by opening a small business, because I also want to be independent  , do not depend on the family.  ​I also really hope that there will be an improvement in the lives of my children so that my children can live happily, unlike their parents who struggle to even buy a box of formula milk.

Thank you for taking the time to read this story and any help/assistance that could be given, would help and be much appreciated.

Thank you again!

paypal.me/mtaufiq7

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Small donation will go a long way

To whom it may concern,

I would like to start off by saying thank you for taking time and reading my request for a small donation. In the past recent months I have accumulated debt that I can’t dig myself out of, and am asking for help with $2,000. Here is my story:

From August through October, I was forced to take work off and was placed on Short Term Disability due to medical reasons. In that period of time I accumulated medical bills, along with my everyday bills, that my disability did not cover. After my medical treatment, I decided life is too short and to better my life, and my health, I made the decision to quit drinking alcohol. During my sobriety, I realized my relationship with my girlfriend of 2 years was not healthy, and I made the decision to end it to focus on myself and my health. I own my own home, so my girlfriend was living with me at my house. In our breakup she had to move out, which meant I was the sole provider now for all housing payments, which I was not financially ready for. At the time of our break up, I was already in debt to the medical bills. Now I was taking on all utility bills and full mortgage payments. On top of this, I did not want to lose my puppy in the break up, because he has been my best friend and my son since the day I brought him home. In order for me to keep him, I had to buy him off of my ex, with money I did not have. Along with purchasing my dog, I had to pay off the furniture that her and I were making monthly payments on.

All of these unforeseen payments have spiraled me into debt I cannot get out of. I am now 160 days alcohol free and I am happier and healthier than I have ever been before. Making the decision to end my unhealthy relationship, and to become forever sober, was the hardest decision of my life, and ultimately has put me in debt. With that being said, it has been the best decision I have ever made, and wouldn’t change it. I choose my life, my health, and my happiness over money. You truly can’t put a price tag on your life.

I am thriving in life right now, in terms of health, both mental and physical. But I am drowning in debt and can’t dig myself out of this hole. If anyone out there would be willing to help me get out of this trouble, I would be forever grateful. From the bottom of my heart, thank you for taking time and reading this.

I am politely asking for a $2,000 donation, or anything you would be willing to contribute. My PayPal is paypal.me/wiegmanj

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Help For Mom After Pitbull Attack

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Hi! My name is Phillip, and I’m not one to usually ask for help. In fact I’ve spent most of my life doing right the opposite. From military service to working as a Paramedic and in ERs, I’ve tried to help others who were in need. Now, it’s I who is in need. Or, more specifically, I’m an in need in order to help my mother.

 

My father Father passed away in January 2014, followed by Step-Father in 2019. My Father was diagnosed and went down hill rapidly in 2012, and a testament to my Step-Father, it was agreed that my father come stay with both of them. He passed away January 2014.

 

The night before my Father’s Funeral, my Step-Father collapsed and I performed CPR, nearly losing him. He was taken to ER by ambulance. We stayed overnight with my Mother and he, and I went straight to Dad’s Funeral from my Step-Dad’s hospital room. My mother missed the Funeral to stay there with him. We were given his cancer diagnosis the next day.

 

They would both go on to lose battles to cancer, both in January, both days after my Birthday. Myself and my Mother took care of both of them throughout their tragic battles and passing, alternating 24/7, my mother being semi-retired, the more selflessly giving of herself. Be it exhausted or seemingly overwhelmed, she never once complained or shied away from her “responsibilities” to be there for both of them to the very end.

 

While I helped how I could, having a career, marriage and family, while traveling back and forth to stay and help her from where I lived, meant I was not there like I truly wished I could be. I took them both on their last camping and fishing trips, and to see their last College Football games. Perhaps if my siblings had helped more, it wouldn’t have taken such a toll on my Mother and both of our finances.

 

In September of 2020, with the medical bills from my Step-Dad still piled up on her, my Father’s expenses weighing on my shoulders, that I was still receiving, the worst thing that could have occurred other than her own passing, did exactly that. My mother dog sat for a very close family friend, while she was having to move after her divorce. Her 4 year old pitbull, Marley. Tragedy ensued.

 

One night, myself, my nephew and our family friend were at my mom’s playing games and cards. My mother went outside to play with and feed the friends PitBull. While we laughed and talked at the table waiting for her, she screamed to us for help. The Pit Bull had attacked.

 

I’ll save the details, and visual cues of that horrible experience, as even for someone trained in combat and with a mixed martial arts background in Aikido, Krav Maga and Jiu-Jitsu it was a life and death battle. I sustained some injuries that have eventually faded to jagged scars. And we still don’t know why the dog attacked. But my Mother was the primary outlet of the animals fury. Her left arm and hand were nearly amputated in the attack and irreparable damage was inflicted on her mangled extremity.

 

2 years later, she’s still in pain most days, limited use of her left arm, and Financials ravaged by my Step-Dad’s Funeral and Medical costs, and her own Medical bills. Then in 2022 my brother, who owns a roofing and construction company took advantage of her by getting her to file an insurance claim on her roof for his company to do the work and then took the money and ran. My mother could not bring herself to go after her own son, so that’s how that ended. With her barely avoiding am insurance fraud investigation and losing her homeowners insurance thereby possibly losing her house.

 

So, to bring an end to this story, I’ve helped every way that I can, given every spare dime I could, and ran the wheels off my truck taking extra clients, work orders and side gigs to do what I could. Literally. I burned through 2 trucks in 2 years taking jobs for clients all over the country. Breaking down in Wyoming and having to fly and leave truck and tools and fly back to Tennessee to start over. This last truck blew the engine and was $5000 for the new engine and install. Given that, I’m strapped for what else I can do.

 

My Mother still owes Medical bills for herself, we have paid off my Dad and Step-dad’s debts, the roof is in desperate need of repair as well as other areas of the house, and she risks losing her insurance again of repairs don’t start soon, and now her truck just blew its engine. So she has no way to go anywhere easily, without myself or her best friend taking her, nor the money to really pay for Ubers or Lyfts.

 

My goal is to gather the money to pay off her remaining medical bills, fix her truck or use it and some funds to trade it in and pay off a decent, dependable used car or electric vehicle, do the most critical repairs to the house required by insurance, and send her on a modest vacation with her best friend, so we can surprise her with the repairs and car when she gets back. I want to send her on a road trip across Route 66 to California and back, to see the all the splendor and Landmarks on the Mother Road. Nothing extravagant. To rent an RV and her, her best friend and myself as the chauffeur, take her on a once in a lifetime adventure, as she’s never ventured far from her home in Memphis.

 

My mother is an amazing woman and I’ve done everything I can on my own to pay her back and be there for her as she has been for me and my Fathers. And there has still been no help from my family for her. She deserves to not have to worry about her roof leaking, being able to go get milk and bread or run what errands she needs to without wondering how she will do it, or waiting on me or her friend to get off work.

 

So with our story out there for the world to see, and show how brave, compassionate and amazing a human being my mother is… I humbly and gratefully ask for help, to do this for the SuperHero I call “Mom”. I love this woman, and should this fundraiser fail, I will only try harder to get the money to give her the quality of life she deserves and the vacation she would never be able to take on her own.

 

Thank you for taking the time to consider helping me make this all come true, and for donating should you have the means to do so. I know that times are hard for most, if not all of us, but my Mother’s health was not helped by all that had happened and I just want to see her happy again and know that she never has to worry about her house being taken away or falling down around her anymore.

I’ve included my Self-Employed/Side-Gig PayPal.me below, to offer more peace of mind that this is a legit request for help.

Thank You Again!

https://www.paypal.me/DevilDogSystems

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Really Need Some Help.

Hello, Thank you for your time, (and possibly your donation!).

I have got to the point where i am literally begging strangers online for help. My wife has no idea i am writing this, while i type this plea, she is curled up sobbing and exhausted on the bed after her 18th consecutive day of work.

She is working 3 jobs while also trying to study for a degree and is 6 months into a 3 year course where she is learning to become a qualified podiatrist. She is working almost 60hrs+ and studying 16hrs each week.

I am currently working around 55hrs+ a week and take what little overtime and weekend work is available whenever possible. I have been with my current company for just over 5 years now.

We are both in our 30s, work full time, have no children and yet have still managed to spiral into substantial debt. Weve been far from the most needy people out there but are hardly well off either. We have the usual monthly outgoings, mortgage, council tax, insurances, phones and internet etc. we do not have a lavish lifestyle by any means. I cannot afford my own car, i help my wife pay for her car (a skoda citigo) while i am lucky enough to have use of the work van provided.

Before Covid hit, we took out a loan to clear up some  credit card and various other small debts and also spent just under £2000 to fix up the kitchen and a few bits around the house, we had been in our home for about 2 years at this point and hadnt really done anything to it since moving in, seemed manageable at the time.

Then, Covid and a whole bunch of other financial problems arose pretty much at the same time and completely out of the blue. I was put on furlough for 3 months at the start of the pandemic, my brother lost his job, his girlfriend and the roof over his head and was at rock bottom. He asked for some help so i tried to be the good big brother, got another loan out to help ourselves and my brother. He hasnt managed to stay in full time employement since which means i get little to nothing back from him. Then the boiler broke, then a couple of unexpected vet bills, then we forked out over £1200 trying to keep my wifes previous car going, which later turned out to be a complete waste and as you can see things really snowballed very quickly from there. We cut out any unnecessary expenses and also sold anything we could live without just to keep paying the bills.

Flash forward a couple of years, we now have no savings, reached our credit card limits and are deep into our overdrafts, we have just been paying out more than were getting in for long enough that we have literally reached the very limit. our only next step is to sell the house we have worked long and hard for to pay everything off, move to one of our parents and start all over again.

My wife suffers with her mental health and has done for most of her life but this has put so much more stress on her that she really isnt coping. I came home one day last year and found her being carted off in an ambulance after she attempted to take her own life. Thankfully she survived but everyday ive lived with the fear that next time she would succeed ever since. I try to be her rock, something solid to help keep her grounded but we are both just so emotionaly and physicly exhausted.

I just dont know what else to do at this point.

With pretty much everybody else we know in similar financial situations, there really isnt anybody we could turn to for help. I am not asking for you to pay off our mortgage or pay our loans but if we could raise enough to get out of our overdrafts and possibly our credit cards we could get back on track. hopefully our run of bad luck is over. We have 7 years of repayments left on our biggest loan but if we are no longer making credit card and overdraft repayments i think we can manage. Just those expenses alone would free up around £250-£300 a month which would be

Thank you very much for taking the time to read our sob story, and a very big thank you to anybody in a position to donate! Anything you could spare is greatly appreciated!

Currently our accounts look something like this..

Mine:

overdraft: – £560

credit card: – £4,380.49

loan: – £17,705.04

Wife:

overdraft: – £1000

credit cards: – £3500

 

paypal.me/thedeadendz

 

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I desperately need help with loans and medical bills

Hi all, I have recently had an accident that has resulted in some medical bills I am having difficulty paying off in addition to the loans that I had to take out. I am in serious debt and my life is in a downward spiral, what started with a credit card to help with expenses has turned into three maxed out credit cards totaling 13,000 in debt as well as around 10,000 in personal loans following the credit card limits drying up. This has led to the destruction of my credit score and issues paying rent. This has been the cycle and somehow I convinced myself that I would be able to dig myself out of this hole, but I need help. I have no capability to dig myself out and need any help that is available.

 

https://www.paypal.com/paypalme/DuncanMcMaster98?country.x=US&locale.x=en_US

 

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Please assist me with my recovery

Firstly, thank you for taking the time to read this. It is greatly appreciated.

 

I am 24 and up until a few months ago I had spent 5 years battling with a severe addiction which has completely taken over the past 5 years of my life. Fortunately on the 18th July 2022 I made a decision to go to a 14 week rehabilitation centre and haven’t been near gambling since. However, I am still early in my recovery and as advised by many of the staff at the rehabilitation centre, it is advisable that I spend at least my 1st year of early recovery without any potential factors that may upset my new routines and recovery. This includes things that could potentially influence my stress or emotional state such as entering a relationship or work. I have made the decision to follow this advice but am struggling with money and any amount would allow me to fully focus on my personal development and self improvement to map out a new life for myself without needing to struggle financially for things.

 

PayPal https://www.paypal.me/Akendall1998

 

@akendall1998

 

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Desperate Situation

I don’t think I’ve ever been in a worse situation than I am now ! I’m a mum of two amazing children who ask for nothing and an amazing husband who tries his hardest every day, unfortunately he lost his job back in October in the construction industry and is fighting every day to get a job, but we are now at breaking point and have nothing left to give , my small wage only just covers the food so I’m currently searching for another side job as well as selling lots of our things!

I’m mentally exhausted and feel that life is not worth carrying on at the moment, but I’m trying, most of my family have now passed away my brother in a terrible accident, mum and dad too the dreaded ‘C’ and I have no one to turn too anymore and my husband’s mum is 87 she has helped us as much as she can, I’m frightened we are going too loose everything , my kids don’t deserve this .

My Gas and electric is over £5000 along with other debt building up.

I’m asking if anyone can help my struggling family I would truly appreciate it and be forever in your debt. I just want to be able to sleep at night knowing I will keep a roof over my kids heads and full tummies.

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

 

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On the edge of losing everything I worked for

Good day to all. I am here to try to get some financial relief by getting the funding to pay off a few loans so I can get caught up financially after a devastating job loss. The start of my problems began in August of 2021 when I lost my job at no fault of my own. I was a Chief Supervisor for my department at a local municipality where I started at the very bottom and worked my way up to the top position aside from Director. I loved it and was making a great living. Unfortunately some restructuring within the municipality happened and ultimately I was put out of a job. I searched for comparable career openings but none were available. I was able to find employment as head of maintenance for a hospitality company that owns several Holiday Inns. I really enjoy what I do but unfortunately the salary is just not enough to keep up with the bills I currently have. I need to make some changes before I lose everything. I have already used what savings I had and sold some valuable belongings to keep everything paid. I recently had to take some personal loans to stay caught up but now of course I have just put myself even more in a bind at the same time. What I need to do is pay off these loans and trade my vehicle in on a cheaper vehicle so I can have a much lower payment. I tried those things but I am upside down on my vehicle so I cannot trade it without a decent down payment which of course I simply do not have. I tried to get a personal loan that I could use to pay off the other loans with as well as put a down payment on a  trade in but can’t get financing. That would have taken my loan payments from over $300 a month down to one payment of about $160 a month plus allowed me to trade in my vehicle and get rid of my very high car payment. I am out of options and I cannot afford all my payments. I can get myself completely back on track and have everything manageable with $4000. I have worked hard my entire life and it is hard for me to believe that $4000 is what can make or break me. The loss of my previous career has really humbled me. I will definitely not take anything for granted ever again. I am beyond grateful for any help I may receive and know that it will be truly life changing at this point.

https://www.paypal.me/clintballew1

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Please Help Save My Business & Family

Asking for help was always an embarrassing thing for me to do all because of my EGO. I’m now finding out that it takes a bigger person to not be afraid to ask for help but I still feel somewhat embarrassed. The truth of the matter is that I used to be a youth councilor and a teacher at a private academy for trouble youth. I work there for almost 3 years but a severe accident playing hockey. My own player ran into me and I ended up somehow bed written with a Cerebral & Brain Stem Concussion, 6 Herniated disks, torn ligament that connected to the skull to the neck, and a severe whiplash in which the tissue under the skull and over the skull was severely, for 4 years. My wife had to help me go to the bathroom and feed me because I couldn’t get out of bed and couldn’t even lift a bowl. It was a terrible situation.  The accident happened in 2008 and I only started getting up and walking with crutches in 2013. Never thought I would ever get up again. It was after months of therapy and healing that I started to try to find work. I slowly began doing small landscaping jobs and bought an old SUV off my mother in Law. It was later that I started doing small interior jobs and was learning all the trades with the help of different people. By the time 2015 came around I was a complete full rounded handyman.

I later started my Contracting business. Slowly and surely I started build up a small clientele and things were starting to go well. But I realized that I had to expand to make enough for my family because in 2018 My wife was pregnant with our 5th. I had big plans on how to expand but then suddenly Covid hit, and everything slowed down. I went and worked for other people and did whatever I could to keep us afloat. Once Covid was over I had borrowed money and found myself just making money to pay those debts back with very little left over for our family bills. I decided this was no better time to expand. I hired someone who would help with phone calls and quotes, someone to help go see clients and more employees. I then incorporated my business officially and everything seemed to be moving smoothly. But then a big storm swept right through Ontario and the Kawarthas, the region in which I was residing and where most of my work was, had been hit hard. We had no power for days, some places for a week. All clients I had and was newly acquiring had decided to stop moving forwards with their projects and everyone decided they had to go through insurance for their repairs. So, for 2 weeks there was no work and I so many hours dealing with insurance companies for clients trying to get what was asking for the job. Only 10% of the insurance companies were willing to pay what was required of the jobs. But it was either take what they were offering or have no work at all. So, we manage for awhile but it was getting bad. On top of all this I soon found that my office guy I hired was not including his wages or mine or even the overhead costs for the business itself and I found myself doing jobs August 2022, & September 2022 out of my own pocket. So all the money I had made was put into those job. I still have jobs that are not finished and I’m waiting to make more money so I can go back to finish them. So, I started to book for November, December, January, and February, being the slowest time of the year up her in cottage country. It was then that I found out my mother was doing well. It was at a younger age that my mother was diagnosed with Paranoid Schizophrenia and from the age of 4 to 18 was not aloud to see her. As soon as I turned 18 I made my way to North bay Ontario and went and saw my mother for the first time in 12 years. We began a relationship we were never able to have and I told her that no matter what she was a good mother and she did the best she could. She cried for 3 hours like she had been realized from a burden she had been carrying for years. It was Later on that my mother was taken in by my aunt her youngest sister and with her care she improved drastically. She had lost bad weight, they were able to reduce her medication, she know longer had to take insulin for her diabetes. It was so exciting. But 2 years ago, the summer of 2020 I had a phone call from my aunt that my mother been diagnosed with Brain and lung Cancer and she had no longer then 6 months to live. But somehow with treatment and better eating the brain tumor was gone and the lung Cancer was diminishing. She was here longer then we expected and it was for the first time that my wife, kids, and myself were going to be able to see here for the first time in 5 years because of Covid. But it was Monday November 21st that I got a call from my aunt and she told me that my mother passed in bed.

They resuscitated her even though she had a non-resuscitated listed on her medical. So, I made my way up to see her so we could as a family pull the plug. On Wednesday Nov. 23rd we pulled the plug and it was quick because she had no brain activity. The sad thing was the doctor came and told us that she never had a heart attack, she never died from cancer but rather she had gotten an infection and it got septic and it got into her blood stream. It could have been prevented.

I new at this point I was in trouble. Due to the timing of her death it was going to affect all the bookings I do for January, February, and I already postponed a basement Job to start that week. But my aunt informed me the night I arrived that she had life insurance and that I would be receiving $125000.00 so all my financial stress all went away that very second. I offered some of the money to my aunt because she was the one who took care of here for so money years. But she said this was there so for me, my wife and 5 kids. She and my uncle were ok. I took some time with my family and grieved. I released the clients to go to another contractor or to wait till after the holidays. 1 client found another contractor and the other one changed her mind after the holidays to finish the basement. This was ok because I was getting insurance money. I spoke to every single company I was indebted to and those I owed money to that as soon as the insurance money had come in I would take care of all my debts and what I had borrowed from them.

I waited and waited to find out from my aunt who was the executor of the will and who happened to be in charge of the insurance policy. In the middle of the holidays she informed me that there was a problem processing the policy. So it was 2 weeks ago Today that she informed me that the broker that sold the insurance sold her Accidental Death Insurance not regular Life Insurance but that they were looking into it. It was just today January 30th that she informed me that she was notified that there would be no money given to me. At this point I am devastated. We pushed every bill and debt you can thing off to the latest date. Everything is about to crumble, my business, our living, the people we owe money to, etc.

Our family needed this money so badly. I made decisions based on the fact that it was just a matter of time before we got the payout. The truth is it was going to save us. Instead everything is going to fall apart. I tried personal loans, business loans, and even private loans but couldn’t get anyone to lend us money cause I never started asking till it was too late. We need help. We have asked family, friends, even tried to find private lenders but to no avail. If there is someone who is willing and able to help I promise to build my business in such a way that I will pay it forward. Please I’m begging. I need to raise $16500.00.

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Down on luck and out of funds.

Hi, my name is Sheila. I’ve ran into a bit of a situation that has dissolved my weekly check. I failed to pay my car insurance,  no ones fault but my own. I made the decision to not pay it in order to keep food on the table and a roof over our head. It seemed like an OK decision at the time, I’m not one to burden anyone for assistance,  besides this wasn’t the first time juggling monthly bills. Rob Peter to pay Paul is an occasional norm in my household.  I’ve always seemed to manage, that is until now. I was on my way to a job interview for a position that would be a promotion, a position that would help with financial freedom.  Unfortunately,  I was so excited  I failed to notice I was traveling at 52 in a 45, which seems petty… but speeding is a reson to get pulled … which I did. And as you may already know what happened next. Yes, a whole strand on unfortunate events were about to go down. Without proof of insurance,  my car was towed and placed in impound, and that’s not all. Due to lapse of insurance,  my tags had been canceled and my license had been suspended- all of which I was unaware of but now taking the responsibility of. I was able to get coverage on my vehicle using my everyday living funds and making a few sales on marketplace. So just when I thought things were looking up, is when the rug was ripped from underneath me. I went to get my car- (needed for transportation to and from work). Only to then find out the reality of the consequences caused by my poor decision of juggling bills. It now will cost me $240 for tow, and an additional $40 per day. And the car has been there since January 25th. As of now I’m looking at $520 to get my car back, which will allow me to continue working. One good thing of this horrible situation,  my employer has been grateful for allowing me to use pto, otherwise an uber ride daily would’ve just added to the funds that are non existing at the moment. I hopeful that there is someone willing to help me out of this horrendous situation I’ve gotten myself into. I have had to swallow my pride for this one, it’s not easy to except failure and negligence caused by self. I’ve worked very hard to provide for my family,  my work ethics speck volume.  Somethings are learned the hard way and this is definitely one of those. I thank you for taking the time to read my need, and if I’m lucky enough to get the help needed through this process, I can guarantee I’ll be paying it forward in the future. May you have a blessed future.

Sheila

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There’s no where to run and no where to hide

   My daughter and I were put on the streets after a real estate agent scammed my dad for over 250,000.00.

My dad needed to sell his house that my daughter and I had been living in for fourteen years, he needed to pay for cancer treatments. He told me that he would give me proceeds from the loan so I could get another place. Sadly that would never take place.

My dad had entrusted his neighbor and real estate agent to do a walk through and then he would put an offer up. He did a walk through and informed my dad that the garage was being used to cook drugs. My dad asked me if that was true, I told him no, why would he ask me that? He replied; “because he’s a real estate agent!” I stopped him there and walked out. That would be the last time I ever spoke to my dad, until the day before he died. My dad chose to believe that agent and in turn the agent himself bought my dads house for $100,000.00. The house could of been sold for 350,000.00. The agent took advantage of a dying man and a strained relationship between father and daughter.
The agent never followed any Washington state laws when dealing with a drug lab. If I had been cooking in the house we would of been forced to leave the premises until it was cleaned by an accredited lab and pass an inspection. The agent also informed my dad that the house would need to be ripped down to the studs. The agent himself never did that to the house.
I was fortunate to stay in the house for another year while Covid was taking place and the CDC’s moratorium was still in place. Unfortunately for me that moratorium would be overturned a day before my ejectment hearing. I didn’t realize until I’m in court via zoom that had taken place. I lost that case, I was no match to a seasoned lawyer and the judge ruled that I was not a tenant and would not be receiving a court appointed attorney. Not sure how that computes? I would have 24 hours from the time the sheriff serves me.
Needless to say I didn’t have a storage unit yet because there just was not one available. I finally got one just days before I was to be out. In the end I had two bedrooms that I barely moved anything out of that I had to leave and wait for this agent to release to me. When that day came he gave me very little notice and charged me $283.00 for storing my belongings in my former house for 11 days, that was a “reasonable storage fee.”
I noticed right away that some of my things were not out there so I called the cops, the cop verified that the items I spoke of were in the house but that agent never did return them to me. I had to set up another time to get my things and was reprimanded by his lawyer, saying; “hadn’t he already gone above and beyond for me?

That agent whom I’ve never met before came into my home and in ten minutes destroyed my life as I knew it. My dad never spoke to me until his death, nothing could ever fix that, everything else can be fixed or replaced but I will never get to have that time with my dad back. The snowball effect from that agents actions have cost me dearly, and it keeps going, all my possessions are about to be sold at the storage unit if I don’t pay them $800 and move out. I would have to pay for another storage and be able to move it to one in a moving truck.
I have ran out of options? I’m hoping to somehow get into a mobile home. It’s the only affordable alternative for me.
I will forever be great full for any help I do receive. I’m ready to take this experience and turn it into something positive for my daughter and myself.