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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Single Mom With Troubles

Hello, Thank You for taking the time to read my story. I am a single mother who has fallen on short times. I am 34 years old. I have a 10 year old son, who light shines  so bright despite the hard times he has gone through. His dad passed away right before he was born. He was gunned down in front of his home. He really need counseling, because he break down at times and it makes me sad as a mother because I know nothing I say will change the fact that his father isn’t here. This year was his 1st playing basketball and he’s slowly becoming a different child. He’s also on student council. I call him my anointed child, he prays better than some adults. I don’t know what the Lord has in store for him, but I Know it’s great things.

I also have a 13 year old son who do have a father in his life, but I can hardly get financial help. I put him on child support, and he still doesn’t work. I am currently living in a small town were it is not many jobs. I’ve applied to a Beauty School College in Fort Worth, Tx. My only issue is that the cost of living is higher there, and I don’t have money to move.

A little back ground about my life. My mother loved me, but she also loved the drugs she was on more. I moved with my dad at the age of 8, and he done the absolute best he could. I was angry at my mother for years, I use to see all my friends parents visit school, and come to our volleyball games, basketball, extra. I never had that, my dad worked so much to provide for us. I understood so I never blamed him. At 21 I found out my mom was HIV positive while I was 8 months pregnant with my youngest child. I sprang into action, her doctor told me doing drugs on top of taking her meds. was like pouring gas on a fire. I was in the process of getting power of attorney over her, but in this mist of me doing so she passed away in 2009. I got something most people don’t get. While on her death bed I told her I didn’t blame her, and I wasn’t angry. I understood that she didn’t have a mother, she was killed when she was just a little girl. Mostly I told her I loved her, and that it was okay to go be with God. I told her I would make sure her grandkids would know who she was, and know she loved them. Tears rolled down her face. As I walked out she took her last breath. I wasn’t sad, I was at peace knowing she could Rest In Peace.

So you see, me moving and getting back into school will Break my families cycle. I want to be the best example for my boys, and show them the sky is the limit. I also want them to see that as long as you’re honest, God himself will place the right people in your life to help you. My goal is to raise $5,300 to move, and be able to get all my utilities turn on, as well as get my youngest son some counseling on how to cope with his father not being here. Whatever you can find in your heart to donate will be greatly appreciated. Thank You so much, for just giving a minute of your time. Have a Blessed Day!!

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Bill funds til proper treatment.

Let me begin with, I’m sorry I am even asking. I do not deserve this more than anyone else; and I hate myself for it. I was supposed to be the strong one helping others in life. What happened to me? Why am I here on a cyber begging website, writing a pity post that will never be seen? Right now I hope for nothing short of a miracle, I am trying my best to hold on.

My request: My request is just enough money to pay my bills each month til the medical field can help me. I currently have lived a life of anxiety, depression and inferior social skills. When I was young I used to be a Grade A student, most of the time. I had ambitions, dreams, I wanted to be a police officer to help and save people. The brave men who took care of others and saved lives. Around age 13 I realized I was seeing my future as non existent. I started to stop smiling and started faking them. After that, people around me stopped wanting to talk to me. I was the easy target to bullying. Teachers gave up on me. I learned, I watched, but I never participated in homework or testing. Insults from those I never spoken to before, I just smiled in hopes they would stop.

I escaped to the internet, trying to find friends on there I could relate to. Talk to. I still had one child hood friend IRL at the time, but come High School he joined the druggies. Slowly over the years we drifted apart as the friends I met through him only saw me as a comedic annoyance. I bought them gifts, and all they did was demand more. Life has continued since then of me trying to help others while being spotted as the target to be used. I have met a few people who are nice and some who have offered to help me buy a soda or lunch. I am thankful to see those kind of people.

Why should I donate?: Again, honestly, I don’t deserve it. But my mental state has advanced in severity at a high rate. I was hospitalized for suicidal threats with intent to commit while speaking to someone on a phone. After being stripped of all items, questioned and released I went home. I feared talking to people, I know they wanted to help. But it scared me so much to be dragged out. For a long time I was afraid to even vent to people I knew. I told them I was fine and I would be busy for a while. My anxiety sky rocketed at my jobs, where my shyness was ridiculed and abused. I was treated as a joke of an employee for how timid I was and scolded for things that no one else would be for. I quit that job and got a factory job. There I was lied to since day one, there was drama everywhere. Management hated you, the company fired people to cover illegal trails. I would go to sleep shaking, holding my head begging not go to back. Til one day I just quit, I called in and said I can’t stay here. Since then I’ve been living off my savings to survive each month for my few bills. I live at my parents home rent free luckily but they can’t afford the rest of my bills. I am actively seeing a psychologist, therapist and doctor. They said it’s basically a guessing game til we get it right. I have more pill bottles on my desk than I ever wanted to see.

I’m sorry, I know this isn’t a diary… but I feel so defeated and hopeless right now. If you took time to read this and didn’t donate. I still thank you for being interested enough in my life to read about it.

Take care everyone.

paypal.me/starscanshine

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P.U.S.H

I’m not going to ask for a certain amount. I just need help whatever is on someone’s mind to do I will be grateful. I have been taking care of my dad for the past six years. His ailments included dementia, congestive heart failure, and renal failure. He was on medicare but they only paid for some things. I still spent a great deal out of pocket. I did a lot of unsavory things like taking out loans and credit cards to get by. As the years progressed and he got sicker, I had a choice to make keep my car or take care of my father. Though I didn’t want to lose my car it was a no brainier decision, I chose my father, my car got repossessed and I was heartbroken. Luckily I have a friend to allow me to drive her car so I could still work. Sadly, I lost my father in February of 2019 worst day of my life. My father is gone but im still paying back everything I got to help take care of him. The crazy part I have a brother that I share with my father that did absolutely nothing to help us. I can’t even get him to answer the phone for me now. I am truly alone since I am the outsider of my family and hardly talk to anyone. I work back breaking hours just to break even and try and keep a roof over my head and my lights on. I feel so bad that I do so much, have done so much and I still can’t move forward. I have ran out of ideas. I don’t know how far this will reach or if anybody would really help. There are so many stories out there, I am just one of thousands but I will never know what is out there if  I don’t ask. I will keep “P.U.S.H”ing (pray until something happens). Maybe my prayers will be answered from a stranger who knows. I don’t know what will become of this but I feel better that I have tried something before it is to late. Anything helps, I am grateful either way. Thank you in advance to anyone that helps, prays, or just shakes their head. I am humble and will continue to be that way through this storm Im going through. God bless

All donations can be sent to

paypal.me/daddysgirl934

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Recovering financially from an unprepared Death in the family

Hello,

 

Thanks for taking the time to read my story. My mother unexpectedly fell ill November of 2015. After several stays in the hospital over the course of 7 months, July of 2016 she came home to die. She was a retired nurse from Providence Hospital in Anchorage Alaska. She worked there over 40 years and was pushed into an early retirement due to her failing mental health (which was not discovered until later). Because of the suddenness of the retirement my mother did not have the chance to set her retirement affairs in order. What I mean by that is that she though she was going to leave a great sum of money for her family, but since a box wasn’t checked the hospital absorbed all of her money and not a dime was paid out to her beneficiary. That is where the problem truly started. Before she retired we purchased a home together and she believed when she passed her retirement would pay off the house me and her grandchildren would be able to stay there.

No such luck.. Not only did the retirement payout happen, my sister had dollar signs in her eyes. My sister had been shunned by the family for several years by the time mom passed due to her having an affair with the father of my kids for the 8 years we were together. She then proceeded to help him gain custody of my kids after he was released from a year stay in jail. Yikes, what was she thinking… oh that is right, they were in love. *insert sarcasm*. They did not get custody BTW. The judge practically laughed at them.

My sister thought the house paid in full, nope we were 5 years into a 30 year mortgage.  She also thought there was going to be a hefty retirement pay off. Nope, jokes on her, the million she thought that would be available simply wasn’t there. I attempted to explain these things to her, but she didn’t believe me. See, it was my fault her and mom did not have a relationship.. I am the one who put a gun to her head and told her to have an affair with my husband.

My sister did nothing to help the care of my mom, literally nothing. My current husband and I were 100% my moms caretaker. A job I did willingly. My mom was my best friend and I would do it again and again, no questions asked. When I got the horrible call from the Dt. saying there was nothing more they can do for her and it was time to come home for hospice, I turned in my two weeks notice so I can stay at home and be by her side through to the end. The day she passed I remember holding her hand and telling her I was going to be okay, and she can go to heaven now. One hour later she made that journey.

My mom had always told me that her funeral expensive were 100% paid for, which I found out after she passed to be untrue. No problem, I covered them using credit cards.. That is where the beginning of my debt started. I ended having to take on all bills that used to be split 3 ways and are not split two ways. Our house was fairly expensive because it was so large. It was a four bedroom house with a two bedroom mother in law for mom. So it was a struggle adjusting, especially now that I had to look for new employment as my old position had been filled.

Things were trucking along okay, but my sister persisted in selling the house and pushing the probate along. My brother was the oldest and was the executor of the estate, or so I thought. Apparently the only will we had was from 1998. I was also told that there was a current will and that it left my sister out, that was just as untrue as the funeral expenses being paid in full. So the will was contestable and boy did she contest, lawyer and all. My brother and I fought her for awhile, but then he ended up passing away less than a year after my mom passed. That left just me and her. Nope, surprise! Their dad (brother and sister’s dad, I have a different dad) was able to claim my brother’s portion of the estate. Whelp he lawyer-ed up too. So now I have both them against me and they are still both thinking that they were gonna to get hundreds of thousands of dollars. Still when I tried to explain they would not listen.

Here begins the second stage of my debt spiral. I was forced to get a lawyer myself so those two didn’t bully me out of my home. We ended up having to hire a non-biased third party to act as the executor (not cheap) because we could not meet on middle ground. This is when the executor discovered that Providence Hospital absorbed the retirement and that was not being paid out to the heirs. My sister and her dad was shocked, Heather was right! So they decided to attack the house and the court voted in their favor. I tried to fight for my home, nut since I couldn’t payout my mom’s portion of the down payout by the court mandated time, I was forced to move in 30 days and was still expected to pay the following months mortgage! How am I to find a place in 30 days, pay first and last months rent if needed (it was needed) and pay a mortgage.. That was 6k alone, and of course all on my credit cards.

That house was my mother’s dream. She wanted so badly to know that her daughter and grand-kids would grow old in this home. I pleaded and begged, but to know avail. They still thought the house was pad in full and that they would still several grand out of it. Nope, after everything was paid do you know how much the three of us will eventually get? (still in probate and thousands of dollars still owed to my lawyer?) 20k… that is it. I am not scoffing at the amount by any means, but that will not cover my debt that I put on all of my credit cards to keep the family and mortgage a float, that will barely cover most of my lawyer fees. I got a second job to help offset, but it has still been an incredible struggle and no end in sight. To put it simply, I need help!

Thank you so much for reading my story.

With Kindest Regards,

Heather

 

PayPal.Me/heat730

mom.jpgkids.jpg

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Spiraling out of control financially

Hello, my name is Amy and I am a 43 year old hard working mother of 2, who has gotten into a bit of financial trouble because of payday loans.

This is the hardest thing I have ever had to do.  I am both embarrassed and ashamed that I have to ask complete strangers for help, but here I am pleading for help for my family.  About a year ago we were doing just fine financially, yes we struggled but we always made it through.  Well, an unexpected bill came in and the only to pay it and still make it to the end of the month was to get a payday loan,  well the next month I had to make a payment on the loan which put us behind again so I got another payday loan.  Every month we seem to have gotten further and further in debt because of them and now there is no way out.  All my paychecks go to paying these loans and it leaves us little left to feed my family and to afford gas to get to and from work everyday, and now that they are home all day because its summer break it makes it even harder to provide for them. We have had to borrow money from my parents but they are having a rough time right now and we are struggling to feed our kids everyday.  We live in a high poverty area and because I have a job that brings in about $1,500 a month we are not able to receive any assistance.  I am the only person in our household that is working right now, my boyfriend of 21 years has medical issues and is not able to work right now.  He is trying to get on disability but it is long and hard process.  We have 2 children that are 15 and 12, and the 15 year old is autistic, which is a struggle by itself.  We are not asking for much just enough to put food in our house and to pay our $900 power bill that is due to be shutoff at anytime now.  We have not been able to keep up with the bill over the long winter.  We just want to be able to go back to the way things were before the whole payday loan issues.  Any donations would be greatly appreciated and we than you in advance for anything that we receive.

 

 

 

 

paypal.me/nobleman1971

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I need about $5000 Please!

So OK, I work 3rd shift and have been for a long time. I lost my family a year ago in a bad break up and just less than a month ago was forced to move. I was on the streets for 2 weeks going from couch to couch. I found a place and had enough money for the deposit and to move in. The problem is everything has caught up to me. The turn around on rent was fast as I scrambled to come up with the money while feeding myself and paying for hotels and whoever I could to stay there. It costed me $1000 to move in and rent is $760 but it was too soon as I had other bills to try and pay off including car note and insurance in order to keep things going. Now I got a notice about a ticket that I had forgotten about that I have $420 more dollars to pay before Friday or I have to go to court. My middle daughter’s Birthday was just yesterday and I barely had money to get her something. This past year was very tough on All 3 of my girls. I wanted to make it special for her but am in a HUGE bind. Her Mom and I are in talks or reconciling, but with my financial struggles it’s kinda putting a damper on that too. I don’t have furniture in my apartment and no food. I’ve been living off cup noodles to survive and whenever I can go over to my Ex’s for dinner. They took OT at at work the last month so I’m really struggling to catch up. Last summer was horrible for my children and I REALLY wanted to take them somewhere this year and show them a good time but don’t see that happening either with all my struggles. I’m not living above my means, I just fell into a hole and need to catch up so I can stay ahead like I use to. I haven’t even paid rent this month yet and now there’s a $50 late feet added on to to that as well. I’ve asked my Dad and Mom to help but they can’t as they have their own struggles. I know there are good people out there that have good hearts and will help. So I’m asking, Please help me. I want my family back and to show them that I can do this. We were all together 14 years and I did whatever I could and tried my hardest to make them Happy. I’m almost back and I know if I clearly this up, WE’LL BE BACK TOGETHER AND HAPPY!!!

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Trying to move

Hi I am trying to move my family I am getting out an abusive marriage and moving me and my five kids to the coast everything belongs to my ex and I am starting my life over I need a little help I am working but it’s just not enough I have a 17,14,9,and two 9month old twins my ex won’t help me and I’m not asking him for anything im just ready for the relationship to be over he wouldn’t give me anything anyways just to see me hurt I have to buy school clothes and I’m also trying to furnish my new place so my kids will feel at home my income is limited and I’m trying to catch up on bills as I make this new move in my life I don’t want my kids to also feel out of place starting at a new school and not have decent clothes and shoes I know how other kids can be mean I don’t want them to go through that also adding on to the fact all the other mess they have had to go through and see  but I’m trying the best I can any help with be appreciate it

PayPal.me/Mileytwins

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I have finally found the courage to ask for help!

Hello, for years i have been too proud to ask for help when I’ve needed it. Now i am realising i need to accept any help that is offered.

I have been through a tough time recently, particularly over the past year. I have battled with depression for a while though i am now getting to be in a better place emotionally.

I’ll keep it as short as i can but the biggest challenge I have faced is watching my grandfather die in front of my eyes. He was terminally ill and he took his last breath while holding my hand and this hurt me so badly.

This led to a downward spiral of depression and i ended up getting a very painful eye condition which nearly caused me to lose my eyesight in one eye. This really affected my confidence and meant that I had to take a lot of time off work. I had only been working with that company for 5months and so did not qualify for sick pay which meant i really struggled financially. I did not feel comfortable asking for help and so ended up taking out some high interest loans to get me by while i was not at work. I used this money to pay my rent and bills. This then got out of hand and caused me to have a lot of debt which went into the thousands. I also had to use credit cards just to buy food and help pay some bills. I am now back at work but am still struggling to pay off this debt. It is never ending.

I really just want to get my life back on track financially and emotionally so that i can do something good. I used to have so much ambition and i need help getting that back. I know the position i am in is partly my fault but i am asking for donations, however small, to help me clear my debts and start living again. I also want to be able to come off of my antidepressants at some point soon as i cannot continue to live like this.

I would really appreciate any help i can get, please keep me in mind.

Here is my paypal.me link: https://www.paypal.me/NuSasha

Thank you for reading my story.

 

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Cancer got both of us

For a quick overview,  first, I have tried everything to get a loan but nobody gives me one and my credit is getting worse.

My credit was in upper 700s until Jan 2017. All fell apart. My husband and I just retired and shortly after my husband got pancreatic cancer and passed in 2012. So I went back to work. July 2015 I came down with cancer. I lived on my put away money expecting I could return to work after surgery and recovery.  Then I found out I had to do chemo. With my money gone now, I started using credit cards still expecting to return to work after treatments and could repay them. Things got tough so I filed bankruptcy beginning of 2017 and it was closed May 2017. Still no income I began using my credit cards again expecting to return to work soon. Well, I guess I will not be returning to a full time position again.

Our whole lives we worked hard to have a good life during retirement but my husband died right after he retired so he never even got to enjoy it.

Like most families, you do not ever think this could happen to us. We did put money away in case something came to halt us for a few months. Nothing like what happened though.

Myself, I consider myself lucky to be here. I am lost and a little lonely without my other half but it was obviously not my time. I am just looking to get things paid so I do not have to spend my remaining years stressed and praying every night something good will come  my way.

I will remain on my survivors benefits and disability the rest of my life. I have two part time jobs and if I can just get my bills paid up I know I will be able to get by on my jobs and benefits.

I had to have electrical work done. I had circuits turned off and it was a fire hazard in my home. I have a breathing machine and foot machine I need to have to live and I had trouble running them. I have to pay $2000.00 on July 15 for the work done.

My phone, internet, electricity, medical, and insurance are all backed up.

Now I have my income if I can get even I will be ok.

Please consider helping me if you are able to at:

paypal.me/cancerwhymewhynotme

Thank you

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My Milestone Birthday

Hi my name is Lisa & I am throwing a big party for my milestone Birthday.

I have been planning for two years.  ( I never thought I would reach this age with all the dangerous things I have lived through) I am truly grateful and wanted to celebrate with my family and close friends. I am a very detailed person – I feel if you put extra effort into the small things it means and shows alot. I have already spent alot of money $$$$$ the 5 digit kind and now I am short $4000.00.

A very close family member recently passed away a couple of months ago that was like a sister to my Mom. My mom became depressed as she feels everyone is passing away and she is next- I pray not I love my Mommy. So I used some of the money to fix her kitchen: cabinets, stove, microwave & floor. The last item will be the refrigerator sometime before Christmas. This has lifted her spirits as she enjoys cooking and loves her new kitchen. I am very Happy to see my Mom happy.

I am also honoring her at the party as a surprise for her 75th.

I feel I am going to be embarrassed if I can’t pay this bill – because I don’t know where or whom to beg for this loan from.  I have tried and to no avail.  There are so many people that are exciting to celebrate with me and I am so afraid I going to disappoint them & I will be extremely embarrassed.

This is causing severe anxiety as I can’t sleep or eat & I am a diabetic- my glucose has been in th 500’s.  Clearly I must want to not make it to my milestone. I have to pay this venue & vendors next week and I am stressed.

I am a person who likes to help everyone “bring water to your dry places” always fill you with encouragement to keep going. For we all have a purpose and if I an able to help you get there I will. But right now I can’t help myself & I am desperate and begging and I know this is selfish of me -as there are people sick just praying for one more day of life. Please forgive me.

But I am Faithful to God, he would not have brought me this far to let me fall.

But if so that I do not prevail it is for his will to be done – that I Trust.

Thank you tremendously in Advance if you can Help me.  If not still Thank you for taking the time to read.

Lisa

https://paypal.me/WhateverGODsays777?locale.x=en_US

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Life Changing Car Accident – Need a Wheelchair Accessible Vehicle / Help Getting a better Home

It was early May. I had it made. My husband had a Saturday off for the first time in many months. I had it made. Because we had a happy healthy baby that I could sit on the floor with. Hold in my arms for more than minutes a day.

I had it made. Because we were going to get a new car soon after consolidating previous medical bills and school loans. I had it made. Because I could move without hardware all through the right side of my body.

On May 11th I was taking my small family in our only vehicle at the time to go have some family fun together. It was a rainy day. But we knew our 15 month old would love to go to a children’s inside playing area at our local mall. I had plans for so much more as my husband and I were also going to buy the car I wanted for Mother’s Day.

On our way to the mall. Which is normally about a 40 minute drive. We had been on the road for about 10 minutes. As the rain came pouring. The likes of which normally tell people to slow down. I did so. From the range of 55 to 45.

But not everybody thinks this way. And that is what changes lives. She lost her lane in a curve about half a mile back. Not knowing where she was of looking ahead as she was trying to maintain her lane.

Four vehicles avoided her before I could not. This due to the unfortunate scenario that I was in a lane pinned in between a car needing to turn on my left and a car riding around 48 to 50 mph on my right. Fast enough to get by me but not inherently dangerous.

I had the ability to slow down to 35 miles per hour and swerve my car just enough to get rammed in on my side of the car. In fact. This saved my life as well as my daughter and husbands life.

My daughter of 15 months made it out with bruising and my husband made it out with a broken sternum and broken hand. This is why I took the impact on my side of the car. Because they were on the passengers side of the vehicle.

I wouldn’t change a thing on this front. But because of this. I am in a wheel chair. I have had multiple surgeries and will need a few more to increase my quality of life.

I spent from late May til early June in rehab after being laid up in a hospital bed from the day of the accident. My husband unable to work did his best to help me with his broken hand and sternum as family took care of my daughter. It was around 31 days of mostly laying around with much pain and much suffering as many parts of my body ached from the idea of moving.

While we knew that buying a car would be impossible at this point as my husband tried to return to work but had to battle both my demons and his own. Causing him to need more time off to learn to take care of my daughter.

Our renters did not allow us a free month of rent or anything of the such. It’s a business in the end, but as time passes these things add up along with money to get food for our daughter and pay for help outside of family for care of our daughter.

So upon the time we were closing in on my leaving rehab I had to borrow a car to leave and it wasn’t pleasant. It was indeed very hard to get back on the road. But I thought about how the scariest time I ever drove in truth was when I brought my baby home from the hospital after she was born.

Rehab was not at all simple easy or painless. But also couldn’t be compared to what happened when we got home. Because it was like nothing was meant to be right and I almost thought to beg to return to rehab.

My apartment we have at the time does not had a wheelchair ramp. Nor did my wheelchair fit in any of the doorways when I came home. My husband did his best to remove doors and door-frames. But it isn’t exciting.

Many things I simply cannot do. Whether it is because of pain or the wheelchair. But the hardest was changing from a stay at home Mom to not being able to do near as much with or for my daughter. My husband of course needs to go back to work as he is recovering and we need money. But this also means I will need help and funds to pay help.

With all of this. The need for a vehicle with access to a wheelchair, the need for a better living situation and help to get somebody to car for my baby. I cannot thank enough in advance. Everything is welcome and I thank you for any help given.

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The struggles are real

PicsBeauty_2019618122942383.jpg Good morning my name is Toni Long and this is something that I thought I would never do or have to do I am definitely a giver more than I taker that does not mean I’m better than anybody else by far it only means that I am not used 2 asking for any help whatsoever I told very thankful I live in a three-story townhouse I have all of my family with me meaning my kids and two other kids that I raised one of which is my stepdaughter who no longer has her mother I have erased her since she was two and the other of which is my cousin who has a mother that is addicted to drugs so to get right to the point my life has been nothing but struggles and abuse physically and mentally and so on my kids are very special to me they have always been there for me no matter what the situation I have been through a lot of mental abuse also and it just does not seem fair as soon as I climb up the mountain I always get Kick Back Down mostly because of medical issues I’ve had a number of blood clots two of which almost took my life just recently had to have a stent removed for my stomach and I lost my job and my car because of the surgery and the medical issues if it was not for churches and some organizations around my area I don’t know what I would do at this point I am 49 years old I have a degree a certificate but can only do certain types of work and no one seems to be hiring in that area and even if they were I have no way to get there and I have no money to even take a taxi or an Uber and my mother and father both are deceased I have lost them within the last 4 years due to cancer and my family is small and again I’m not one to ask for help what about my business out there but my kids are suffering all the other kids are taking vacations having cookouts going to the pools having a great summer I hate watching them suffer wondering what you’re going to feed your kids every day and how you’re getting from place to place and how you’re paying your bills just really stinks especially at my age taking on the two extra people in my home something I did because that’s me I’m a very caring and giving person always have been but it has caused a financial stress something of course I would never tell them because I love them both as I love my own kids I might not be the best mother but I definitely try my best sometimes it is very hard for me to get even out of bed every morning but I know that I have to be there Rock so I am writing this message and hopes that you could help I am not sure how to do this or what I’m supposed to do other than doing this and opening a PayPal account and I’ve never done that before so I’m not even sure if you can help how that works I do have a link but I’m going to send you I just want to thank you for your time and hopefully your consideration and helping my family and myself through these tough times whoever you are wherever you are you have to be an amazing person to do something like this and I hope your blessings are great thank you from the bottom of my heart. Toni Long

paypal.me/TLong133

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Single female working two jobs with the ambitions of saving lives and stability.

Coming from a large family, growing up was difficult. I am the youngest of 10 and both my parents worked long hours to provide for us. It was at a early age that I decided to work and help my mother out with all the expenses of the house hold. I would accompany my mother to her job and help her with laundry, dishes, cooking and all the house hold duties. My mother and I were very close and she was the one person that would listen and give me advice.

My spark for nursing started about 10 years ago. At the moment I was living with my parents. I enlisted to college and was planning to take nursing classes after I graduated from High School. Graduation finally arrived and I was excited to begin my first year of college. After completing all the pre requisites for the course I was accepted into the college.

Every Monday through Friday I would drop my mother off at her job. She was working at the Middle School as a janitor at the time. One day I noticed her eyes were yellow. I was working at a nursing home at that time and I mentioned it to a nurse. She alerted me that it was signs of jaundice and to take my mother to see a doctor ASAP.

After all the lab tests and scans later the doctors diagnosed my mother with pancreatic cancer. It was shocking news to the whole family and the cancer had spread to the point where surgery was no longer an option. We decided to fight the cancer with radiation and chemo. After four years of witnessing my mother’s health and spirit decline, she lost the fight. It was the most difficult and painful experience I’ve ever undergone. Not only was she my mother but she was my best friend.

Soon after she passed away the memory of my mother was something I could not cope with at the time. I moved out of my parents home and proceeded to live in my own apartment. When people tell you that it’s difficult to live on your own and become an “adult” they are not joking. I worked two jobs to make ends meet for several years. My dreams of becoming a nurse seemed to fall further and further away.

Finally I mustered the courage to apply for college again even though my expectations of passing the rigorous entrance exam was low. To my surprise I passed with just enough to get me a spot in the course! All my time spent studying in between jobs finally paid off. Unfortunately due to bills piling up, credit card debt and without any family to help I cannot afford to attend college. I’m a very stubborn person and refuse to ask for help but I’m finally at the point where I’m desperately in need of financial help.

My dream of saving lives and helping all of those who are in need seems to be a dream I will never accomplish. I’ve been working extra shifts but I still do not have enough to cover the tuition costs as well as the credit card debt I have accumulated. The course itself is $16,000 and my credit cards are adding up to $10,00. I’m desperately in need of help and the course is due to begin this August. I know this is a long shot but I will be forever grateful for those who can help. Thank you if you read this to the end and I pray that God will answer my prayers. Have a blessed day!

 

 

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A hurricane of misfortune

Where to start? I’ve had a series of misfortunate events. Leaving me with no money, rough living conditions, physical pain, and almost hopeless at this point. It all started with a hail storm. I’m living in a camper in a driveway in Colorado that has no way to heat up, cool off, or keep me out of the wind and rain. One afternoon a hail storm come through that left me wet to say the lest. I’m seating there and the next thing I know im being covered in water in the bed I’m relaxing in.  The hail did a number on the sky light/vents, leaving them shattered or completely missing. The camper literally had water running down the inside of the walls for several hours as I recall. The camper was not a total lost; so I decided to to repair the damage….

During the time of repairs; I was not able to stay in the camper, so I have been doing everything from staying with friends to renting motels. At this point; past the camper, life as far as stress level and money was ok. I had to pick up as much possible over time  at work to cover the additional cast of the repairs and the renting of rooms. Around about the two week mark of this ordeal I was unfortunately let go from my job. I had only been at my job for about two months. The job itself had a 90 day probationary period. That allowed them to give me no reason why I was let go other then I was over qualified for the job. To top things off there was no way to collect unemployment as well. This is when the snowball started rolling down hill…

I need to make a side note. I am a machanic by trade and a handyman (if you will) by night. lol! I’m mentioning this because I am the one doing the repairs/fixing the camper.

So no job and no fixed camper at this point.  Due to overtime that’s i was working, I was only able to work a couple hours a night after work; about 2-3 nights a week. I was able to at least cover the vents with plexiglass to at least keep some of the wind and there rain out. But I have not been able to do anything else repair wise cause I am not able to pay for the 3 vent and 2 skylights.

To top everything off 2 weeks ago I was out working on the camper eating some food in the midst of working when my back molar in my mouth cracked in half. I have not been able to even see a dentists at this point sense I have no insurance. It’s still pretty sensitive and it’s very hard to eat. When eating food, particals of food will get lodged in between my gum and the broken part of the molar causing swelling and pain. I have no idea if the tooth can be saved or if I need to pull it… My stress level is helping out zero in my situation.

I don’t know what else I can do at this point past asking for help. Any help with any of my issues will be more then appreciated.

I thank you for taking the time to read this. I will pay it forward to others just as you guys may do for me when I get back on my feet. Anything will help.
Peace and love
A.Z.

https://paypal.me/acenHelping?locale.x=en_US