I’m not even sure where to start, this is not something that I’ve ever done more than consider. I am a very average 29 year old father of 2 and divorcee. I’m really nobody special and honestly, I know there are MANY MANY millions of others out there in the world in probably a much worse situation than myself.
If the tables were turned and I was living in such a situation that I could personally help those that had their own hardships I would. Do I even feel like I deserve donations? Perhaps not.
But here I am, I wanted to give this a fair attempt and see if it bore any fruit. For those of you that do choose to donate, I will personally attempt to reach out and provide my full appreciation in return. Gratitude may not be much but its truly the best I can offer at this time.
Also I feel I must add that I am actually employed part time and I even make fairly decent money for what I do. (Retail Stocking). The truth is I made a few bad decisions last year, had a few things happen that set me and my family back, such as a car accident involving my wife and 5 year old son. (No injuries thankfully). Not to mention that all of us are suffering because of the outrageous inflation that the US has been having.
Regardless, these events all led to me having to use all my credit cards just to afford enough food, utility usage, and gasoline to get by. The several months of $7 per gallon of gasoline was very rough for me due to work commuting and picking up my daughter each weekend from my ex wife (100 mile round trip).
Now for my financial situation currently… I bring home about $1500 per month in net income from my job. After I pay my monthly bills- utility, gasoline, phone, food, that kind of thing; I have about $300 in disposable income left. Now normally this would actually be wonderful for me, and I would feel comfortable. But I didn’t include any of my credit card bills in these deductions.
Now as I said earlier I was forced to use these last year essentially just to get by. Across my 8 personal credit cards and one outstanding personal loan, my debts are just exceeding $19,000 all together. Just my minimum payments alone combine to over $500 per month. I’ve burned through all the savings I had built up from the past 2 years of about $2000.
I have looked into secondary employment of all kinds, while there are many places hiring, there wasn’t any that would be able to be as flexible as i need them to be with a toddler who needs a lot of attention when he isn’t at school. I have attempted to get another personal loan many times to consolidate everything but as you can imagine my credit is entirely shot due to the usage of my cards being consistently high and missed payments. I still have an option of debt settlements but this is a last resort for me as I know from my own previous experience that it destroys my credit even more. Just 6 years ago after my divorce I had to file for bankruptcy over debts that came from my previous marriage. I was able to get this bankruptcy discharged in 2017 and I truly never thought I would end up here again, so close to needing one again. And mentally I just can’t make the decision to file again. I wanted to explore every other way to help first.
Here I am now, this is likely the final option I am trying before I may need to make another big decision. And I hope that it doesn’t need to come to that for me again.
Now to all of you who see this, if you are able bodied and willing to help me climb back on top of my finances, I would be immensely grateful. Even the smallest donation from anyone who can would make a world of difference for me.
Thank you all for reading. And to anyone who got this far in the letter, thank you so much for your time.