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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Help me give my kids their smile back

paypal.me/rachb288.

Hello,

My name is Rachel I am 37 years old I have 4 wonderful children and a beautiful little granddaughter, above you will see a picture of me and my family! that was my life as I once knew it until one day changed everything and life as I once knew it no longer exists. My husband of 16 years was tragically taken from us and that started the chain of events that has brung me here to you guys asking and pleading for any help at all.

Me and my husband was together for 17 years he was my first and only love. We have 4 beautiful children (also pictured above ) he was a wonderful husband and an even better Daddy he was the glue that held our family together, he was our protector and provider. Since his death our life has become very hard to live as he was everything that we needed to survive he supported us in every aspect of life, after his unexpected death with no life insurance i had to get a job to be able to provide for my children keep a roof over our head and pay for my husband’s funeral but my income was no where near enough to keep us a float and we lost our home.

Both of my parents are deceased and I have very little family none that was able to take us in or help us financially so we moved to Ohio with a life long friend or so I thought..

It turned out to be the biggest mistake I have ever made in life and The Concaquences of that decision was sadly laid upon my second child my 14 year old daughter who was being raped by the man that was supposed to be a life long friend to my husband and my family. Our life was shattered once again and feeling like I failed as a mother to provide and protect my kids the way my husband did I hit rock bottom which is where I still remain but am trying my hardest to get back back up but with vivid and everything that is going in it had been a losing battle to recieve any assistance

After the incident in Ohio with my daughter which by the way the monster who did this to her recieved only 8 years in prison no where near enough for what he did to her not just physically but emotionally as well she is not the same loving easy going teenager that should be. After all this we had to come home to Indiana and with not having anywhere to go my kids had to go live with my husband’s mom their grandma and I had to come live with my sister and her daughter in a small 1 bedroom apartment..we are 50 miles away from each other and due to no transportation are only able to talk on the phone I have not seen my kids in 2 and a half months and I’m just not sure how much longer I can go on like this I have tried everything to get help to get us a place to live and it one dead end to another it has been to much to bear on me and my children. losing my husband and them losing their Daddy was such a tramatic experience that we have ever had to go thru and then living with an evil monster who repeatedly hurt my daughter I thought it couldn’t get any worse but now we have lost everything including each other and its to much for me and them as my youngest daughter who is now 13 tried to commit suicide to escape her pain by God’s Grace she did not succeed but is still living with the same pain that caused her to attempt it in the first place no child should have so much pain that they want to end their life and and I can’t do anything to help me or my children

So I come to you and anyone willing to help us be together again help us get a car a home anything you can do we will be more grateful then you could ever know please help me give my children their smile back help them have a somewhat normal life. Thank you to everyone who took the time to read this and who is willing to help us please share our story don’t let the chain of love end with you. May God bless you today and always!

20140808_004632.jpg20140830_201007.jpg

paypal.me/rachb288

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Electric Bill / Emergency Help

Hello,

My name is Stephanie H., I have come to this website due to needing financial help with my boyfriend and I’s electric bill, found this as a last resort.  The reason we are so behind is due to not being able to get a job, my boyfriend is currently the only one able to work due to Covid. I have a very low immune system due to multiple medical issues, that I am not able to work at this time at the risk of getting severely sick, I even had to leave my hospital job due to the risk and severity of the virus with people with low immune systems. I have barley left the house in almost two years now due to covid. He has applied for over 50 jobs in our area and haven’t heard a single thing back in a matter of months. We also don’t qualify for unemployment, so we haven’t gotten anything like that when they were giving the assistance to everyone. We are currently in the process of trying to get approved for rental assistance due to being so behind on rent as well (over 4 months worth, $400 a month). We are both on our own and don’t have anyone to help us out, including family due to not having the best relationship with ours. We both have $0 to our name in our bank accounts. We are pretty much living off Ramen right now due to not being able to get our food stamps until mid next month, and we don’t even have a lot of that. I wouldn’t come here if I wasn’t so stressed and had something or someone to help, but I have been searching and searching for help. I have even tried to do those survey sites to try to do something. I have personally tried to find remote jobs but currently our internet is our due to not being able to pay for it, and I had to put my Laptop in the pawn shop just to get some extra cash months ago. It’s almost time for me to renew the stay on it and I don’t even have the money for that, and I might lose that as well. We are just at the point where we don’t even know what to do anymore, and so stressed that it’s breaking us down mentally. Please if you can help in any way. I would really appreciate it. I am going to include two photos. One is our electric, and one is our internet. I only have electronic billing so I am sending screen shots, for some reason due to me being so past due I cannot view the full bill of my internet bill. So I have taken a screen shot of what it is showing me currently. I hope this is enough info. I really would be grateful for any assistance.

My PayPal is PayPal.me/stephanieanne408

Thank you,

Stephanie H.

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Drowning Teacher

I can’t believe I’m in the position to ask for help and to be this vulnerable but it’s a Hail Mary moment.  I have been a teacher for 15 years and have always tried to do for others, whether it’s dropping gifts off at my student’s houses secretly on Christmas Eve, volunteering in my community, or trying to teach students and my own children to do the same, my goal has always been to know at the end of my days that I’ve made every attempt to try to make the world better, if only in small ways.

I lost my job due to Covid, the only daycare in my town closed, and I’ve have had medical debts piling up since my oldest son was a toddler.  He is an incredible empathetic, creative and amazing child who has also always struggled. This has meant changing jobs to be in a school that would meet his needs, seeking out specialists (play therapy, social work, counseling, PT, OT, neurology) and uncovering diagnoses (Sensory Processing, ADHD, multiple Learning Disabilities, Anxiety and Depression, and ASD) and a slew of specialists, heartache and confusion as to how we’ve found ourselves so deep in this hole. I don’t want to give a laundry list of “wrongs” because he is an incredible child and pity isn’t necessary. He isn’t broken, the world just isn’t really set up for the way he learns. I know he will be successful and have a fulfilling life because I will move every mountain to make that possible. Children deserve nothing less.

My husband and I are proud people, he travels out of state to earn a living to support us.  I proudly taught for years to do the same, but daycare closing and no family nearby meant I had to leave my job and I’ve been trying to find something, anything that I can do while also advocating for my children. We never been well off, but our needs were small and we’re not prone to extravagance. I have always thrift shopped and made things work~ I grew up very poor and know how to stretch a dollar.

Covid really threw a curveball. Losing my job, trying to pay off thousands in hospital debt for my son, and student loans piling on top of that makes me terrified to open the mailbox.  I don’t know how we’ll figure our way out of this.  I always thought it you are a good, honest, hard working person, things will work out.  I have never asked for help before, honestly it’s humiliation to do so because I know there are people who likely have it far worse.  I’m currently organizing clothing and winter gear donation drives for the children in our town~ while secretly wondering how I am going to take care of my own family.  This may be a decision I regret, but in moments like this pride has to take a backseat.

I owe $3,657 in loans for my education.  We owe well over $10,000 in medical debt ($7623 for just basic services plus additional amounts for surgeries, brain injury specialists, comprehensive Children’s Hospital evaluations, etc…) Our mortgage is $1172/month (with a balance of $126,649) and we aren’t qualified to refinance due to our financial situation.  We are behind in taxes for over $5,000. My husband works hard and earns enough to keep us afloat, but buys food from the Dollar Store while he travels.  We have a car payment for a vehicle that is starting to fall apart and won’t be paid off for 3 more years.

This kind of life doesn’t feel like living. I dream about what it would feel like to have this burden lessened, to sleep at night without the fear and worry of what we’ll do if we lose our house. I think about how this shadow lurking over us must impact our kids, even though I try my best to hide it from them.  I dream of being able to do so much more for my children. We’ve never taken a family vacation, been on a plane, even thought about these things.

If anyone out there reads this and knows what this worry feels like and is in a position to help, I hope you know from this testimony that any act of kindness will be repaid and carried forward for others. We just need to catch a break, catch our breath, and keep climbing.

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Fallen on hard times

Hello all,

This past year has been nothing short of a nightmare I’m unable to wake up from, and at this point it feels like I’m drowning without a way up. I hate asking for help, but I came across this site and I’m desperately asking for help if you can spare it.  I left a stable job right before the pandemic hit, for a higher paying position in a school district. It was provisional with the intention of taking the civil service test when it would be offered. Few months later Covid hit, and the test wasn’t being offered. During this time, the principal at the school I was working for made my life a pure living hell. In the beginning he was friendly, but would call at all hours and expect me to answer. (11pm, midnight) to talk about work or to try to gossip/vent about other employees to me. That was a serious red flag. I was just a typist, but I wanted this job badly. When I tried to create boundaries, he got mad and he retaliated. I reported him and his actions but because he was an administrator they turned a blind eye. I’d dread going into work, and would just cry each night, having numerous panic and anxiety attacks because of the horrible treatment. I was afraid what fresh hell I’d be walking into.  He made it impossible for me to get a transfer to another school in the district. He would chase me into the parking-lot with rebuttal letters, and constantly lie and slander my name. I went to HR so many times, telling them how he would alienate me, harass me, and create a hostile bullying working environment but they wouldn’t do anything because it wasn’t sexual harassment. After almost 2 years, I was up for a potential transfer finally to another school who knew what type of person he was (he worked there previously and was kicked out) and he found out, so he had teamed up with HR to stop me from getting to go there. They called me down to board of Ed 2 days later and gave me the option to resign or be terminated without solid reasoning for it. I was heart broken, feeling defeated and my anxiety was through the roof. I tried to get unemployment but they fought it, and to this day, almost 5 months later it’s still pending. I finally got another position with a huge pay cut, but I am drowning in bills. I’ve had to take out loans, my credit cards are extremely high, and I just don’t know what to do anymore. I’m terrified, I’m just trying to make ends meet. I was hoping my unemployment back payments would come through so I could use it towards my credit cards I’ve had to put everything on but it doesn’t look promising. I hate putting this all out there, but I need help. Anything if possible, I’d truly appreciate it. Thank you for taking the time to hear my story, lifting some of this financial burden would be so helpful to me.

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Alittle money to get by (75 to 100)

Warmest greetings
Im so sorry to ask people for help. You see, I’m usually the one helping. I was fired for my job because of my depression a month ago and was able to pay some bills but.. unfortunately, I haven’t been able to eat or turn on the lights. I feel so.. stupid. I don’t like asking for strangers help but.. I .. I feels so backed up into a corner. It feels so wrong. I feel like I shouldn’t be able to ask but.. I need to be able to survive for just a while longer, until my new job starts in the next 2 weeks. I need to be able to pay the light bill, feed my dog. I really couldn’t care less about me, but… at least my buddy deserves something to munch on. I’m not asking for much. My goal is 75-100 dollars. Thats it. that all I need.
Im getting all jumbled up. I need to straighten this out.
I used to be a designer. A kitchen designer. I loved my job. It paid for my life, in excess. I used the funds I got to do what I could to help people – as sappy as that sounds. I would go to the store, help buy groceries for people. I would use the money to buy materials to sew masks.. I would create meal drop offs for people in my apartment who were to busy or couldn’t cook… but then my niece got sick. I started paying for her bills. Or rather.. i would wire her the money for her bills. it really took a tole on me. I didn’t even know what she was sick with and I was fearing the worse. My … usually well managed depression got the better of me and I started to fail at work. After the boss caught me crying in the back, she let me go.
“If you can’t separate life from work, you don’t need to be here”
After that, I still had funds, enough to pay my bills for 3 months. rent, food and utilities. But my niece still needed help. I figured the job market wasnt that bad.. i could find a job.. So I continued giving money to my niece. When I paid my rent early, she asked me for the rest.. at the time. I was lined up for a job, so I agreed. So I gave it to her. I gave her what I had, thinking I had a job in the next 2 days. But the job fell through. The contract they had with the company was canceled.. everyone who was hired … had nothing to do, no hours.
I figured I still had time. I was paid up after all.. But things started to change. job after job rejected me. And eventually.. I grew worried. I told my apartment I would be late on rent for next month…. It started to look up. I got a job, but it starts on November 8th. I have 6 days worth of electricity left. No food in the kitchen.. and my niece wont talk to me (She is the only family I had) after I figured out she wasn’t sick that whole time… and just wanted money as she was not working…Which.. in hindsight.. I would have given to her if she just asked.
I have tried loans.. I did not apply.
I tried to sell, but no one is buying.
Please. If you can give. I would be very grateful. I only need about 75-100 but if you only gave a dollar… I would be so thankful.
20-50 dollars for lights… the rest for food.
Goal (Min) 75 Dollars. (Stretch Goal 100)
Paypal.me/prompt0

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Help me get my life on track and lift this weight off my shoulders

This is a long shot but I don’t see any other way, living is just unaffordable and I’m having to work 7 days a week just to get by and to keep my family out of my mess ups and to avoid any further action being took and I lose everything that I’ve worked so hard to keep I sit in bed crying I barley sleep properly life is just not enjoyable if there is any kind people out there that are able to help me pay towards these debts of £20,000+ I would be eternally grateful and try my hardest to turn my life around I just need someone to invest time and effort in me and I’m sure I can be the very best person on the plant and give back where I can

https://www.paypal.com/paypalme/dyates517

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Help to give kids xmas

Hi my name is Alan and I don’t know where to start and I feel like I’ve got no where else to turn to and find my self in a very dark place and don’t know what to do. I’m fundraising to help me get through this hard time and to try and give my kids some sort of Christmas. Basically I started gambling recently and yes you might read this and think well it’s your own fault but it all started with a bit of fun and then it was like I’ve got to make this to try and survive in life and then it went horribly wrong and I lost everything. Let me tell you a bit about myself, I am 38 years old and have 2 beautiful kids, 1 girl Maddie who is 9 and 1 boy Alfie who is 4 and I work as a warehouse operative for John Lewis. I lost my wife last year to cancer and it was the hardest time of my life and felt like ending it everyday but carried on for the kids. I’m getting paid every month and it’s all going out with none left for food etc. I have huge debts and just feel like I will never get on top. I am having to rely on food banks to feed my kids. I even started to not pay bills and gamble to try and make the money that I needed but that went horribly wrong. I woke up today and said today is the day I get my life back on track and am asking for a little help please to do this and in return I will do what I can to sort it also. I have already blocked all my betting accounts and will seek help for depression because I feel if I can’t get on top I don’t know what how to get through.

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I lost everything

I am not sure if this site is real but i am at a point that i have to try anything

I got scammed at work didn’t receive my last paycheck and the only way for me to pay off rent or at least return money I stole from my mother is to beg or turn to crime…

I live in a shit country where the min wage is around 400$ now my apartment currently costs  ~250$(thats what i pay)obviously i cannot save much …. I have only 1 friend and he doesn’t even want to hang out like before. All the other people i knew wont even pick up my calls because they know i’m struggling while they have middle class family enabling them to get a full time career with connections…

You see i’m not born in the country i reside in. It’s called 2nd class citizen or something along those lines even tho I have been here from age 4

(not gonna go into details but it wasn’t my decision)

… That has really hindered my job applications and in general that’s why I get scammed and get discriminated altho i’m white also to add more me cannot even get a loan because not native nor do I own property… (i had a summer job at a hotel) so now its not summer anymore its been 2 months now and the little saved up stash of money started running out dry… I stole some of my mothers cash that she had… She went with some guy to some other country and left a little bit for rent/bills just in case…. Obviously i worked all summer and should’ve had enough money but without the last payment i was forced to take little by little what was available….(i tried to apply for a lot of jobs but no one takes me in since there are 20 other natives applying)… Dumb me felt really really bad and decided the only way to return the money and have enough for rent without telling her was to gamble

Well i had luck but that’s how they tie the noose around you and before i knew it i had lost everything … not only what little i had saved up but what she was saving as well… I am not sure when she will be returning or if she will actually return but for real i cannot even pay the rent… it’s pathetic i still live with mom at this age but I am not a bad person just wanted to not look pathetic for getting ripped off once again… gambling seemed the only viable solution to making a little bit of money just enough to get me the paycheck i worked for… It was going great first week I made about ~300$ which was enough for the month but after spending it and trying to repeat what happened i lost 200$ so i tried to get it back and suddenly within 2 days i had lost over 1000$

I would need ~600$ at most to cover the losses… I will owe whoever donates so if there is anything i am able to do just tell me what needs to be done… At this point i will be happy just to be broke and at least not be a failure in my mothers eyes for breaking her trust and using money on something I was not accustomed to … Picture is of what i will receive in maybe 3-4 days this is everything i was left with

https://paypal.me/kke96s

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Goal Achiever for two

I’m coming from a small town in Hinesville Georgia. 26 with two children . My oldest just turn 9 and is a big dreamer . Wanna join TikTok fantasy world put on makeup all day . And dance every where she goes . . My youngest is 6 and can play the video game like a pro but love to do back flips on the trampoline ,have a thing for lizards and is a funny little man . He has his mind of his own .  . Both my children are everything to me . They keep me going . Keep my head high even when I’m at my lowest level with myself . But my everything’s pause my long term goals/plans for myself which could had made their life’s alittle different if I had completed my goals and plans on time . before they entered this big world .I ended up putting most of my time into working jobs that involved me working 12 hours shifts which pulled me away from them even though… me working for a company that Pays  minimum wage or even a couple dollars above minimum wage can still lead to absents in raising a family … once my goals are completed then . My life will do it’s magic after , I don’t want to be rich I don’t want fancy cars . I don’t want attention. I don’t want a fan base .  and I don’t want to feel like a begger . But I need a listener. Or even a friend . To hear me out … …, money tends to fail me on this journey of mine . I understand that getting free money is a one and a million chance . So I don’t only expect help after writing this. . But I get to let out my feelings on why I feel I failed myself on my goals/plans ….. ….

1 .) I want a stable home …

I want to live somewhere that’s mine were  my kids can call home and make friends in the neighborhood  and be children …. have a safe environment.

2.) I want a lawyer

my son is currently living with his father who is controlling my life with my son being the tool . Upsets me in our court system here . Due to the lack of respect they don’t give single mothers .not only am I  missing out on the most precious years I can never get back from my son . I raised him and his father when I was stable and working… and when I lost my job he saw his shot to sabotage my life …Side note it was verbally and physically abuse with that man for 4 years . Which he won due to money … and I lost due to lack of money of a lawyer just to represent me … not only does he have primary custody. I don’t want my son mind crypticed ; because everything is father is doing is not a great example for him .. I just want what’s best for my son .  his mother and sister deserve to have him . he was born into this world with us . He deserves both of us too .

3.) I want my lash studio

which Amma brand out my own lash/hair company one day . I drew my own logo and is still designing and creating more and great ideas .I feel I should start off with my lash studio because I can advert my hair company within my lash studio . Sometimes us ladies tend to forget things at a lash appointment and my lash studio can advertise and possibly sale my bundles of hair plus I work at a hair store and get the in’s and out’s of women and men beauty . ….  just don’t have enough free time to put more effort into this LLC I created

4.) I want my credit fixed

I owe a total of 15,000 in debt . Due to me paying bills .. side note . I will never use a credit card again to buy groceries and pay bills … I was better off moving in with my mother . But my pride was high back in the day to where I didn’t want to move out my own spot to back  in with my mother . Which I ended up doing once I felt I spent way to much .

5.) I need a vacation

I need to breathe some fresh air with my children somewhere nice and comfortable…. I don’t want no fancy car or fancy clothes . I’ll go see some mountains and camp outside with my babies . And find activities for us to do and learn …but my little city I can drive around my city with my eyes close and explain to you everything you can not do… a vacation will not only clear my mind and have a fresh start . It can calm my nerves down to a reasonable level of peace ..

6.) 800.00 speeding ticket due in January 2022

I will not be getting no more speeding tickets . This ticket frighten me .

7.) I want to add more short term/ long term goals within my life …

 

not only do I need help with money I want to help myself become better on choosing the right investments to spend on my money .I want a business of my own .. I want to invest into property so I don’t have to ever worry bout not having somewhere to go … and I want to learn more about computers and technology…. everyday a memory is created and a vision is put to theory

8.) , have faith in me. This would be my opportunity to show myself .. I can master anything I put my mind too . And the things I want to get done cost money . I don’t have it . And I won’t waste your money down the drain on bull crap and dreams that would never happen … I’m going to get it to happen . Because I want to be successful one day . So I can be in your shoes to pass down the favor as well …my children can have their mind set on becoming successful at anything as long as I keep up on self motivating myself …. I rather lead my children down a road that has a couple bumps and lumps but it’s path haves signs that can guide them down the right path verses a dirt road with nothing but dead ends …

And yet I did thought about if my lash studio don’t go as plan . Do I have backup plans . Yes .  I am a boss in making . . but I want to work for myself one day . I’ll be able to become smarter and wiser . Off of my trial and errors . Verse getting laid off or fired due to a company policy …then losing everything I ever worked hard for . ” which I done 3 times and I won’t let it happen again . Which is why I’m speaking up now . My pride has to go to the side …. all I ask for is  a few thousands of dollars to get my life back on track . and to be honest whatever is granted is highly appreciated. I wanna fix my main problems in my life which are apart of my short and long term goals/plans . Once all are checked off my lists . It’s gonna be time for me to create a whole new one . Because i will not give up on finding multiple ways on how to create and make money or a stable wealthy life ……  moving  forward on investments for myself to become greater. Is everything I can ask for .. and if my little messages get lost in the internet somewhere … well at least I was able to get out how felt . And Amma get to completing some of theses goals on my own if help never returns itself . one thing I will do and always do is love myself even if I’m down . Because I’ll pick myself back up even if no one comes around ….

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Struggling family of 7

Repost because I forgot to add my link in the first post.

hello. I am a 31 year old mom of 5 kids ages 3, 6, 7, 12, and 13. My husband is and has been disabled due to an injury for the last ten years. He does receive disability but it is only enough to cover the mortgage. I work full time and provide the main source of income.
usually we have always been able to make ends meet somehow, but these past two years have not been kind to us. As with many others we have been severely impacted by the pandemic. My workplace was shut down for several months in 2020. Since returning to work we have had many unexpected expenses. We’ve had car troubles,I had a little car that I used to commute because it was cheaper on gas and it just completely died. It could not be fixed. I took that opportunity to buy a mini van which we had been needing for transporting all 7 of us. Well, my new mini van needed a new transmission within a month of buying it. Then our other vehicle, an older suv mainly used for driving in snow, did not pass inspection and needed so many parts fixed or replaced. Beginning in 2021 my husband lost his prescription coverage which was a huge blow financially because he takes many medication that cost hundreds of dollars.
things in the house needed attention. Windows needed replaced, water damaged floor needed replaced, needed a new toilet and plumbing in our main bathroom.
my husband had a major surgery over the summer that required me to take a month off of work to care for him and the kids. This was unpaid as my job does not offer any kind of pto. Three weeks after returning to work my daughter tested positive for Covid requiring all of us to quarantine for two weeks. Again Unpaid. After all of this we have not been able to keep bills current or even catch up at all. We are so far behind we have had some utilities shut off recently and I had to borrow money from my mother to turn them back on. We continue to receive shut off notices. I have started doing instacart and food deliveries to make some extra money but it’s never enough. We cannot afford to keep gas in our vehicles, we are now struggling to put food in the house. All of our kids need coats and clothes for colder weather as fall and winter approach. My daughter is in braces and I can’t afford the monthly payments on them. We have borrowed hundreds from relatives and still can’t catch a break. We are now over $300 negative in our bank account. I am now so scared we are going to lose everything if I can’t find a way to catch up these bills.
I am so embarrassed for being reduced to asking strangers on the internet for money, but I don’t know what else to do at this point.
so please, if not for me, for my kids, consider donating. Any little bit helps. B83F6311-5C11-480F-ADA0-66AC760FD7A6.jpeg
https://www.paypal.me/mama2five

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Waiting for Military Disability Check

I’m really sorry for him to ask anybody to do this, however I don’t really have any options. I’m in florida. I’m in the panhandle of Florida actually. I’m waiting on my military disability check, the disability check doesn’t come in until November 1st, and here it is been october. I don’t have many more days to go however, it’s longer than today. I’m not eaten in two days, that is nobody else’s problem but mine and I’m okay with that and I understand that however, if there’s anything that anybody could suggest on here. They don’t really have to send me money, they can give me suggestions. Now as far as resources is concerned, you probably are not from here, neither am I I moved here last week. My landlord is allowed me to pay on the 1st to catch myself up. And out of country in Belize so, he’s done an option to utilize although I’m thankful for him and his willingness to let me stay here until I get paid. I’m sorry short, as far as resources is concerned, I’ve contacted the sheriff’s department in this county, I’ve also contacted the local places that allow for work. Now here are the issues.. I disqualifies me from a lot of stuff however until I can get my direct deposit and things started like that with the va, I haven’t even received my first check yet much less already having to call and they would have to redo everything because now it would be a different benefit package as far as price and how much I get paid is concerned because I’m in a whole new state. It’s going to be a big ordeal as it is already, I don’t want to miss the first check up so therefore I’m just going to let it ride with this idea and how I’m doing things now until at least the first one I can get my first paycheck. I’d hate to go ahead and change something now and in effect next week. So until then I have an Alabama driver’s license which means I don’t qualify for the daily work labor. Now with that being said coming to the sheriff’s department Point him in the direction, however that direction is to a job where I have to actually follow W2 or 1099, I can’t do that because I’m considered unemployable through disability. That’s not just regular disability where you can warrant to make up to a certain amount, it’s called unemployable which means I do not have to file taxes if I file any type of taxes, I lose those benefits and become employable. And it will be to the tune of $4,500 a month. And as if right now it’d be 4500 a month and I will be getting 9 months back pay of that. I’m willing to do whatever I need to in any resources you may have possibly, would be great. If you know somebody that needs anything Windows washed, grass cut, trash in the parking lot picked up, I do not care. Today is day three that I’ve not eating I’m really hungry, however that is not your issue I understand, what I’m trying to get you to understand is that I’m willing to do whatever I’ve got to do in order to eat because of that situation. Because I haven’t eaten in a few days, I’m not telling you that to get something from you… however I brought up how many days to spend to let you know that I am over passionate about doing whatever needs to be done in order to do it. I need gas for my vehicle, no one has to hand me cash for that. I can follow them to a gas station I just have to be able to get gas and eat food and have my dog eat food from now to the 1st. I don’t care if I don’t get any single green dollar bills. I don’t need that I need food doesn’t matter how I get it or what what I get it with. I need gas, it doesn’t matter how good it doesn’t matter what. I just need help and it will be paid back double if necessary come November 1st. I’ve waited 9 months for this check, it’ll be 4506 a month, plus all 9 months of back payment. You can do the math, so 300 bucks is nothing LOL whatever it takes whatever to do, I’ll work for it and then I’ll follow you to the gas station. I work for it then I’ll follow you to walmart. Whatever I do not care I’m starving I’m hurt I’m hungry I’ve got nothing picking up I appreciate it here’s my PayPal link if you do choose to send something, if you’d rather just give advice, I’m open willing and up for that as well.

 

https://www.paypal.me/brittaincamping

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Disabled and Homeless

Hello. I am a 44-year-old stroke sufferer that still has not regained the use of my left hand. While I can do some things, my strength is not the same and I can’t write anymore. I moved in with the mother of my child shortly before my stroke to help her with her failing health. She has had chronic swelling in both legs, hops, and buttocks that spreads to the top half of her body every so often. This swelling exacerbated joint issues in her knees and a few other health issues. It got to the point where she could no longer do basic every day tasks and needed a wheelchair. The swelling and pain got so bad she ultimately had to take some time off of work trying to recover, and ended up losing her job and her home. We moved into the nearest motel with a vacancy, as it was the only one we could get to on foot with her wheelchair. (She lost her vehicle after Harvey.) After a couple of months in the motel, all savings had been depleted and we had to start selling everything of value to survive. Once that was gone, we lived day to day just trying to avoid homelessness.

She developed an infection in her left leg that reduced her mobility even more, and got so bad her whole leg was blistered, open, and oozing. After we finally got approved for her insurance, she went to the hospital and spent 9 days on IV antibiotics and in bed. She was released with an oral antibiotic and we found that when it was time to get her out of the hospital bed she couldn’t walk at all. She couldn’t do the small things she could before and had to be taken back to the motel by ambulance. (They should never have released her, to be honest. She wasn’t ready or able to be released.) She is now in constant pain, severe swelling, and can’t walk at all – not even to the bathroom like she could before. She is miserable and needs so many things to be able to just live, that we cannot get her in a motel room. (She needs an adjustable bed, wheelchair, home health care, physical therapy, etc.) She is now on oxygen and has to have her oxygen machine plugged in round the clock. She cannot comfortably lie down, get up, sit up, etc. and the swelling is getting worse. Her legs are 3 times their normal size and her hips and buttocks are so swollen she cannot move. In order to get her all of the things she needs, we have to have a home – which we cannot get due to no proof of income and the eviction. (Bed cannot be replaced in the motel, home health care won’t come here we were told, etc.) She also has to get to the doctor to have them prescribe these things so they will be covered by insurance. But for her to get to the doctor she needs a wheelchair. It’s a vicious cycle.

On top of all of this, we cannot afford to stay at the motel we are at and we have nothing left to sell. Every one that could help us has helped all they can and we have nothing left. We have tried local churches and were told they couldn’t help. Salvation Army turned us away twice and said that everything they offer has a waiting list. Housing and HUD has a wait list, where applications are open, of 6 months to 5 years. Rent relief program denied us twice: first for not still living in the place we were evicted from, and then second for not having a lease at the motel. Although, I’ve never heard of any motel that offered one. 211 gave us resources that all either can’t help in our situation or have no funds. Channel 26 and 13 couldn’t help either, suggested 211; which we already tried. I have tried literally everything I can think of or come across and all I get is a closed door. Its hard to believe there is no agency out there that can help disabled people in our desperate situation. Everyday we are fighting to avoid homelessness. Tonight, we were told to leave our motel because we are behind. We put all our stuff outside and tried to figure out what to do. Thankfully, the guy allowed us to come back in and gave us until 11 am tomorrow morning (Friday, Oct. 22, 2021) to pay what we owe or leave. All that did was buy us a couple of hours. Tomorrow at 11 am we will be right back out on the street with nowhere to go and no hope.

We also have a storage unit with everything we have left in it that is on the verge of being sold. We only have a few days before we lose that, too.

We desperately need help. She worked from home before and can go back to that. She just needs a home, computer, reliable internet, and a home phone. It might take her a couple of months to get a job after we get a home, but it is doable. With a home we can get home health care so I can find some type of work too. (She requires constant care.) She can also get physical therapy to help her regain some mobility. We have also applied for SSDI and SSI, but last check said it can take 195 days for a decision. We don’t have that kind of time. If we end up on the street she will no longer have her oxygen (I don’t (know how long she can survive without it) and she has no wheelchair to travel in and cannot walk. It would be impossible to get her anywhere.

Please, we have tried everything else. Please help us with this emergent need so we can come out of this hole we have fallen into. We can’t do it alone.

Paypal: https://paypal.me/ShaneR0708

Cash App: $SamanthaWebb627 or $Casper070877

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Short-term Need (and Current Plan)

Subject:  Please help me with a short-term financial need / goal.

Note:  This website seems to only accept one image of a limited size (1 page) so I uploaded the statement from my emergency savings account.

Marcus.jpg

 

Hello,

I work full-time in retail, as a supervisor, where I earn $12.64 per hour.  My take-home pay varies but is typically around $1,500 per month.  (I contribute to a 401K, out of my gross pay.)  My apartment is approx. 350 sq. ft. & my car (which I own and which I need to get back & forth from work) is 20+ years old (but is running fine).  I frequently track expenses to know where (to the penny!) my money is going, and I strive to keep expenses down and to spend money wisely.

Historically, I qualified for ACA health insurance, but as I understand it, this will end (for me) when COVID ends because my wages will be above the cutoff.  Thankfully, I’m now eligible for health insurance through my employer.  As a result, I have enrolled & and have taken on this extra monthly expense, although, from a purely financial management (i.e. budgeting) standpoint, I shouldn’t be taking on this added expense.  In short, there is extremely little “wiggle room” in my budget.  While I can cut back on my food expenses (which is how I plan to pay for the health insurance), there are also things I simply do without.

Here’s how you can help…. I took on some expenses that exceeded my income & my emergency fund.  I turned to a credit card to keep life going & keep bills paid in-full & on-time.

I’m current on my credit card bill & was able to get a decent interest rate.  Yet, I feel very burdened and stressed by the debt & the current balance of my emergency fund.

I would love help (specifically, a no-strings-attached gift) to get this paid off and bolster my now-meager emergency fund, so I can get back to normal financial life.

For reference, the debt is approx. $3,100.  My immediate goal for my emergency fund is $3,000, which is roughly equal to two months take-home pay.

Please help me reach my goal to get “back on my feet” and replenish my emergency fund.

Thank you for your consideration and any gift you choose to give!!  😊  💕

PayPal.me/shorttermneed

 

P.S. (… my current plan)  I recognize that I need to move to a better paying job so I don’t end up here again(!) and am already working toward my departure from my current job.  Ideally, I’d like to make the move at the end of January or early February, as soon as the holiday rush is over.

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Desperate need for self and baby expenses.

Hello, I am in desperate need of financial assistance, I lost everything I had trying to provide for me and my son, I am also a type 1 high risk diabetic that can’t afford to see a Dr or get meds, I’m using whatever I have left to get me by, which is keeping me alive. I’m currently unemployed and have been looking for qualified work for months to no avail… I am in major debt and need money to pay for my son’s expenses, medical supplies, and necessities, I need more than to just “get by”, at least enough until I know I’m okay, or if I finally get financially stable, so please please help me, and thank you…

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

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In need of assistance

Hi my name is Ashley, normally it’s very hard for me to ask for help but at this time I am in need of it very much. I was working 2 parttime jobs to make ends meet and recently lost my morning job due to one of my pets being in and out of the vet clinic. He was attacked by another animal and ended up having to amputate his back leg. The vet has been very helpful, but with his doctor bill racking up, being behind on rent, and losing my job I am not able to catch a break or catch up. I am behind on a lot of bills at this point and have no idea what to do. I am hardly working and in the search for something new. I’m a very hard working individual and I just need to catch a break. I have valid proof of everything I listed above.

here’s a link to my PayPal account

 

PayPal.me/ashmp123