And thank you for even taking the time to read my post. I want you to know, this is the first and only time I have ever done anything like this. I NEVER EVER ask anyone for help. This is very hard for me to do and discuss. I am a woman in her early fifties, divorced. My elderly parents live on a fixed income and do what they can to put even help put some food on my table. (I only eat once a day so that I can keep cost down). I work for my money and have never looked for and expect handouts.
I started working at the age of 11, first job was babysitting. My career has been in the advertising industry of which I love, but a volatile industry to be in, especially the creative side. (my area of expertise). During my lifetime I have been laid off too many times to count, due to loss of large agency account, budget cuts and in the end, our declining economy during certain years. I have bounced back in the past, but this past year has been the exception.
The reasons, I can only surmise to be my age, the economy and the growing trend of not hiring full-time, so that companies/agencies do not have to offer benefits. They use either part timers, freelancers (which I have been for 12 years) and as of late, interns.
I was working a freelance/contract until they cut me in March of 2018. I did get unemployment, which did help, but put me far behind in all my bills and rent. I ran out of that in November and the bills/rent and lack of health insurance, I fell farther and farther behind. I did get a bit of work in December, but since January I have had NO INCOME at all. I pound the pavement looking for work, in my field, but at this point, I look for anything. But employers see a professional woman applying for jobs that pay minimum wage and won’t hire, because they know she will leave as soon as she finds something that pays more and is in her field.
I have some people that will help financially here and there, if they can, with a few bucks ($20) so that I can buy groceries. Also, I did my brothers website, for his new company he just launched. He did give me what he could, but it is a start up. It helped with some food and a bill.
My back rent is up to $3100 and I am getting eviction notices. And May rent is coming up. That is another $1275, which will bring what is owed to $4375. I want to keep a roof over my head. That is most important to me.
My car payment is so behind, I think it is at the point it will be taken soon. I need it to get to jobs. I can get exacts but I do know it is behind over $2000.
Other bills that are way behind and are going to be shut off any day now, are: internet (bill is over $400 and will be shut off anytime now), which I need to find jobs, continue educating myself with software to stay current, to keep in touch with Former colleagues and those who can help me to find jobs. ie: LinkedIn. My cell phone (bill is over due about $200-300), which is the only way I can be contacted by phone, and is on my resume. My car insurance is $78 a month and comes out of my bank account automatically, but my bank account is now at (minus)-$111.40 with fees being applied with continued negative balance.
I don’t have health insurance and am on 3 medications I need to pay out of pocket. 2 of them are around $40 per month and the other is $150 per month. Going off them will cause a seizure. These medications are because of anxiety and depression, and as you can imagine, life has caused this. I am having major anxiety attacks and this is manifesting physical symptoms.(shaking, unable to concentrate, nausea..and so much more).
Besides the absolutes above, I owe doctors, who won’t see me now because I have an outstanding balances (one is $450)… I have major tax debt and leins!!! Some legal debt.
Again, this has been very hard for me to say to anyone (and I don’t) never mind put it here for strangers to read. It is embarrassing and I feel like a failure. So, if I were to put a dollar amount to it, $15,000 would catch me up with my rent and the bills (less tax, lawyers bills). I know this is a lot to ask.
I thank you for your consideration!