My name is Cheryl. I feel so ashamed to be asking for help as there are millions of people that are in a far worse situation than I find myself. In years past, I had the means and good health to donate, volunteer and fundraise for the local community kitchen and shelter. I was divorced and raising 2 teenagers 10 years ago when I met the love of my life. He was an amazing human being. He was my cheerleader, my best friend and he taught me to overcome my fears, the big and the small. We were together for 4 beautiful years when he became acutely ill with severe Diverticulitis. He passed away 6 months later from sepsis. We had lived together but rented our homes as his work was by private contract as a specialized engineer. I was working full time and I made an adequate salary. I have lived with a lifelong “invisible” disability called Narcolepsy. Up until the moment I lost my love, I had success in controlling the symptoms of my disorder with good nutrition and numerous medications. That changed the day he died and I developed the dreaded secondary condition of Cataplexy. It was devastating to me as I was told that I was in my early 40’s so would likely never get it. My doctors were unable to find a medication to control the devastating symptoms so I was forced to leave work and am now on Federal CPP Disability. With the savings we had and a small life insurance payout I was able to put a down payment on a small condominium unit. Initially I was able to afford the mortgage, taxes, utility bills and groceries. I didn’t have much left over but my daughters had started University and were accepted for partial student loans. The worked part time as well and contributed to our expenses as much as they could. The past 2 years has been one setback after another. My property taxes were re-assessed and increased 55%. I appealed and lost. My water and hydro/heat has increased by several hundred dollars over the past 3 years. And the nail in the coffin is that my medication I take daily is no longer covered by provincial drug program. The monthly cost of my medication is now at $565. I am NOT in arrears with my mortgage thank goodness. We live frugally and there is no cable tv, home phone etc. We don’t eat out or go to movies. It’s hard but it’s worked. I have fallen behind in my property taxes. I did skip a hydro payment and put a chunk on the taxes but the interest charged is very high. I can’t access the bit of home equity because the bank will not do that for people on disability. I’ve had calls from hydro warning they will shut off my service after 1 month missed payment. My credit union is now telling me that if my property taxes are not payed in the next 2 weeks my home will be put up for “tax sale”. My goal was to try to keep my home until my daughters were out of University and they could assume the mortgage. With inflated house values they may never get the opportunity to own a home. Plans have changed. I do not see this situation improving as the cost of living increases but my disability income does not. I owe $2340.00 on my taxes. I have no possessions to sell. I am humbly asking for some help to avoid a tax sale and lose the small amount of equity I have. That is all I have. My daughters are trying to find a safe and inexpensive apartment, or friends who may allow them to room temporarily. I will likely move into my elderly father’s apartment. At least we can share expenses and not worry about groceries so much. I am a believer of paying it forward. If God can get this message to a person or persons who have experienced a setback and were provided help and shown empathy and understanding, I will be forever grateful. I may never be able to work at the shelter physically but would be able to have the means to make my small donations using the equity money. My love was a giver. He gave his love, time, and helped when he could. He was a lifelong blood donor. I think he’d be proud that I could continue to give even in small ways. Even if you are reading this and can’t help me, I thank you for taking the time just the same. Please consider helping someone in your life, community, even a complete stranger. It needn’t be monetary. Sometimes just a kind word is a miracle to someone who has lost hope.