Hi, my name is Alexis Vilay and I’m from Seattle, WA, currently living in Renton, WA. I don’t even know where to start honestly. I can list out what I have in debt but it’s just too easy that way. It’s also so easy to tell myself that I did this to myself and I don’t deserve any help. I don’t want to think that way because I’m usually very optimistic and positive minded. I hate asking for help but it has come to the point where I have nothing and no one.
I want to first mention that I am pregnant, first pregnancy, and with twin girls. This was a surprise of course but at this point, May 9th 2019, I am about 27 weeks pregnant and will be due in 3 or less months now. What makes me bring this up is that I feel like I’m already disappointing my unborn daughters. I am definitely not prepared whatsoever. I only have blankets and maybe 4 or 5 matching pairs of outfits for them (which aren’t the outfits you want them to wear everyday and be comfortable and get messy in) and they’re not even newborn size… Probably only have less than 10 pairs of socks for them to share. What I don’t have is a lot that I need and could’ve had if I didn’t get myself into a financial mess… I don’t have diapers, bottles, bibs, towels or any type of baby bath products, milk formula (I will be breastfeeding I have WIC benefits but that will only help me out so much since formula goes by fast… and with twins….. I don’t even want to think about that right now). I don’t have car seats or a double stroller or even strollers at all. I don’t have any regular newborn sized clothes to put them in once it’s time to leave the hospital. I don’t have a crib but I’m not worried about that, they can have my mattress while I sleep on the floor or use a hand me down mattress or something from my parents if they even have one….. Whatever I know that I don’t have, I just think about how I can let them live with what I do have (personal items, not baby items) and go by with it. But it’s just embarrassing to me… I know I can get some stuff from the dollar store but I can’t even afford a $20 trip to the dollar store….
I’m also incredibly in so much debt….. I don’t know if it’s easier to list them out or type out the whole story. I don’t have a problem with writing so I don’t mind either way. This is where I really don’t know where to start because there is so much….
Also wanted to mention that I left my job due to the chemical smell that I constantly smelled everyday. I worked at an auto body shop so I can always smell metal or paint chemicals, and it’s always dusty from the labor guys sanding down panels or bondo. I knew I had to leave but now I just help my mother at her small business where she is a tailor/seamstress. I really am not expecting her to pay me as much as she does. She’s going through a lot, herself, and I feel so bad that she is spending as much as she does on me to help me pay rent and buy clothes thatll fit me since I’m just getting bigger and bigger. I don’t want to end up telling her side of things because if I had extra money, I would just give some to her. Anyways. Now I’m just helping her at her work 2-3 days a week. Also just started my GED program where I go to my classes 3 days a week. I know that this GED will get me somewhere and find me a better job eventually. That is the mindset and goal I have right now but it’s also being interfered with.
Unfortunately and inconveniently, my partner and father of the twins also quit his job because of personal choices. Hes not really the best in keeping a job. I dont want to make this about complaining about him because i can do that all day. Anyways he got a new job as a temp and im not loving it. He gets paid less than what he used to make and he gets paid every week rather than every 2 weeks so, to me, is like they’re taking more taxes out of his paychecks since it’s more often now.
First of all I used to loan money from Moneytree. I don’t know if they add interest or late payment but I’m pretty sure I owe them more than I even think I do right now. About 2 months ago, I loaned 400, interest was 90 dollars so I owed them 490 at a certain date. Once that date came, I didn’t have the money due to quitting my job. So I let that amount overdraft from my checking account, which added $30 overdraft fee of course. Maybe a couple days later I loan another 200 from Moneytree because of how broke and hungry I am. Not cause I’m pregnant and had cravings, I was legit hungry. So I believe loaning 200 gave me $30 interest? So I owed 230… Then I check my checking account with my bank a day after or so and I noticed that the bank returned that 490 that I originally owed. They also returned the 230 from my checking to Moneytree …. So now I owe Moneytree 490 plus 230? I’m not sure if they charge me interest for nonpayment over time but just letting you know I haven’t went to Moneytree to pay anything back in about 2 months now. I feel like crap because this is the most debt I’ve been in. And I didn’t mean to but I did it to myself.
Now my bank account is -$170 because they charged me the $30 overdraft fee several times. I don’t even want to check how many times I’ve been charged that amount, I just know that once I saw that it charged me more than 4 times, I signed out of the bank app.
For the last 3 months, since the last week that I worked at the autobody shop, I’ve been doing half payments for rent. My rent per month is $1050 for a 1 bedroom. Which is not bad actually its one of the cheapest options in the area. Also this apartment only accepts low income. The fact that i cant even pay that amount (my partner and I) is terrible. The fact that i have to do half and half payments per month is terrible.
This month of May, I get notified by my apartment that if I don’t pay the full amount in full in 3 days (Monday the 13th), I would get an eviction notice. This is my first apartment ever and now I’m going to get evicted…. I owe the apartment $1000. My mom tried to help me pay rent but they didn’t want to accept her payment for half. They want a full amount of 1000 by Monday so I am just stuck.
Yesterday my electricity went out, when I got back home from school. I paid it with my credit card so it’s okay now. Not really because I still owe the electricity company some money too..
Except that I haven’t paid my credit card company anything at all for the past month so adding on the $100 that I paid for the electricity, I’m going to have credit issues later on, knowing that I can’t pay that off soon, not even slowly.
Not to mention my internet bill is overdue by 2 months. I’m just not going to pay it this month. It’s not important so I’ll just worry about that later, I guess.
Anyways, we’re also supposed to move out of these apartments and move into this other apartment we got approved for… Pro is that we would be getting help with rent from either my mother, or uncle on mother’s side, if we do bunk with him at the new place. Con is that the cost is way more so we are hoping that they do help and that the move will be good, rather than make our situation worst. What is stressing me out about it is that we have to pay the security deposit/move in fees which is adding up to what we already owe the apartments we live in now….
Please skip to the end of my request for my paypal link
Please excuse this list of what exactly I need donations for… This is for me to calculate exactly what I need to pay off.
-May Rent: $1000
-Apartment move in: $2850
-Credit card: $426.51
-Checking account overdraft: $173.90
-Moneytree: approx $720
I need around $5,538.55 because, although I put myself in this situation, my unborn children don’t deserve this. They definitely didn’t ask for it. That amount is just enough or maybe almost enough to pay off what I need to pay off in order to get back to square one again. I’m usually the one with big goals and always imagined myself having the perfect job to even help my hard-working mom retire, but I’m the one asking her for help. I just can’t do this anymore and the fact that I need to pay at least rent before Monday the 13th makes matters even more stressful for me. I’m more stuck than a shoe stepping on gum on a pavement. More stuck than glue right now. Any type of help works and is very much appreciated. Thank you in advance.
My Paypal is paypal.me/AVilayDo
My bank summary showing the moneytree situation. And my internet bill. Don’t know what else to show. Also attached a photo of my notice from the apartment that I owe 1000.
I accidentally put UK instead of USA below…. I’m already screwing up