Dear Sir/Madam
RE: Urgent Financial assistance needed for arrear rental, crèche fees and arrear debt repayments.
Kindly find below arrear amounts outstanding and expenses incurred.
Arrears Personal loans amount: 3038.35 US Dollars
Outstanding Rent and Water bill: 488.19 US Dollars
Outstanding Crèche Fees: 433.42 US Dollars
Remaining balance on Cash Loan assistance for household groceries, monthly baby formula and baby toiletries: 98.99 US Dollars
My income this month: 294.32 US Dollars
Thank you for taking the time to read upon my situation.
I am a mother of a 21-month-old baby boy and 11-year-old stepdaughter. The matter we are currently facing is affecting our emotional and mental health as the financial strain keep growing from month to month since the pandemic and rapid change of an addition to the family in last year. I feel the tender in my body, as the pain and heart aching seeps in each day to carry the financial situation on my own. The look of disappointment in the people’s eyes when I say that I would only be able to pay a specific amount that I am be able to afford. I feel so shy to go anywhere knowing that I still owe the same people a huge amount of money, especially to crèche as it is the only option that can take care of my baby while I’m at work. The atmosphere at work has changed quite tremendously as it is a repetition to lend money from colleagues each month. The atmosphere at home has also changed. The electricity has rapidly increased as the tariff has increased, an amount that has lasted for two weeks, only lasting 3 days. Due to inflation, cost of living. I cannot get through to the needs of my 21-month-old baby that needs my assistance the most. I feel awful and embarrassed to be a mother of such a beautiful boy, but I cannot see to his needs. I have been on sick leave almost most of my days last month and beginning of this month. I feel my body has reached to emotional burnout and therefore resistant to accepting illnesses. At times, I try to simmer my emotion by praying, listening to music, sometimes it brings tears to my eyes.
Going through the ongoing cycle each month, not knowing of the unknown that will be added to our expenses for the month, makes me quite anxious and afraid to live another day. My kitchen appliances have given up, as the load shedding keeps tripping the appliances. The only thing still working, is the kettle.
I have been getting panic attacks quite often which I am struggling to keep control of. I often feel overwhelmed too, especially at my place of work. I can’t help to cry almost every morning and Praying to the Almighty above for a breakthrough to the situation, I can no longer bear the ache of my heart and fear that we will end up on the streets. I pray for God’s miracle, as He knows my heart better than I know it myself. I pray for a relieve to our financial situation so that our lives could reach to a new chapter and we can start our new year to be reborn from our stress and tension.
The landlord’s patience is running out as I am currently making weekly part payments that still does not cover the full portion of the rent and water bill. She has warned me that if no arrear payment is included to the rent and water bill for this month, she will be forced to cut our water and I would be held liable to pay the reconnection fees. She exclaimed to perform a credit check on my name as well, if failure to pay half of the outstanding amount with rent and water bill end of this month, which she knows that I would not meet the criteria due to my absolute low credit score (active arrear loans). She will have a valid reason to give us minute notice to evacuate the place. There’s no other place that will be able accept us due to my low credit score and those that will weaver the credit score would come at a higher price to pay which is above my means.
I have tried to keep head above water thus far and humbling ask if you could kindly assist with my financial amounts outstanding.
The crèche fees have fallen tremendously behind as well, as I was alternating portions to pay between the rental and crèche fees. My baby attends crèche everyday as I have to go to work and won’t be able to stay at home to look after him. My stepdaughter school fees is free of charge . The option to resign, to look after my baby, it would cause our household to crumble and fall apart completely. My sincere wish and desire is to be able to focus on my baby’s needs (food and formula, growing up clothing, baby toiletries, nappies, multivitamin syrup) .
The principal has requested for me to pay half of the arrear balances by 15th December 2023 and the rest by the 31st December 2023. It includes the increased rate that I have to pay in advance for January 2024. I haven’t made payment for this month yet. The crèche will be closing for a month from 14th December 2023 to 15th January 2024. My annual leave days at work, won’t be able to cover all of these days. It would cover for two weeks maximum. The rest of the other days, I will have to pay a caregiver for two weeks to look after my children.
The debt collector has been harassing me everyday with phone calls, messages and emails. I have received lawyers’ letter as well to settle my debt. My prayer to the Almighty above is to guide me through my financial process so that I can become a better mother for my children. I had an access facility which was revolving credit to my account. One month, without prior notice, the access facility has stopped and the bank decided to take a large amount of money as a deduction with zero revolving money available to me. The matter has thrown me off guard, forcing me to form other measures to receive money by applying for pay day loans in order to cover rental, crèche fees, baby formula, food and household maintenance. I cannot afford for all of the monies to be deducted from my income as it would leave me with nothing left. My children would have suffered the most. I already feel so bad as I am not able to afford to purchase any growing up clothing for my baby as he’s grown out of his clothes. I have to squeeze him into clothing that he has worn when he was 6 months old. In 2 months, time he will be 2 years old and I feel anxious as he’s going to the toddler class with no toddler aged clothing. I’ve been wanting him to attend speech classes too as he’s struggling with speech and communicating to others.
I pray that the Almighty God bless the hands that reaches out to us in our time of need. My promise and oath to you is to pray for the Almighty to bless on every amount provided and to give me the wisdom to utilize nicely amongst the arrear amounts, and to take good care of my little family. My everything.
‘He who is gracious and lends a hand to the poor lends to the Lord,
And the Lord will repay him for his good deed.’ – Proverbs 19:17
Kindly find below the link to my Paypal account.