In a nutshell, I am a driven individual who can proudly say that has had victory in so many hardships of life; from lost of loved ones to ID theft, from over 12,000 in medical debt to zero, from an expensive car payment due to high interest rate to paying off my car last month. Surviving and providing for my family of 4, wife and two precious girls.
Why am I asking for help? Well I live in the home that we have wanted to buy for over two years, currently renting it for 825.00 monthly. If, and when we buy this house our mortgage with insurance and property taxes will only be 384.00 amazing right?
Well when my wife lost her income from teaching due to having to stop working to take care of our new born it left me with the task of having to pay for all. How did we manage to pay all our medical bills and car and stay afloat? By working as many overtime hours I was given. Overtime is not offered anymore and my take home money after taxes and insurance, 825.00 each check! So you see one check goes to rent, leaving us with 825.00 for a family of 4 that includes a newborn baby.
77.00 Electric. We are on a payment plan that includes current and payment towards past due
380.00 food for family and newborn
25 Trash recollection
100 gasoline for both vehicles
120 car insurance
All these bills plus rent 1752.00 no emergency funds no extra money for anything in fact I don’t make enough to cover what’s on the list. I have two credit cards thank God credit lines are 1500.00 between the two otherwise I’d be in more debt. I don’t want to get to the limit of those cards and then have nothing.
I am requesting help so that I can pay off those cards, so that my credit score increases, so I can request a loan to purchase my home. With downtown payment assistance for first time home buyers we get a good a nice down payment. Credit score determines interest and the amount they help you for down payment
4000.00 is the total what we need
1500.00 to pay off the cards
1500.00 for closing cost which the sellers will not cover
1000.00 to get a head
When I buy my home my mortgage will be below 500.00 allowing me to not use my credit cards and help me break this check to check living and still have enough left to start saving!!
I could tell you about my wife and I losing our baby that caused medical bills to amount, I could tell you the whole story of losing my previous jobs and the medical coverage i had through that job. I could tell you sad story after sad story, but i won’t, i have busted my butt and i proudly can say that my family and i have done quite well despite our hardships but it came at great cost. I’m asking for a boost to completely get out of this check to check curse. Please consider helping us! Thank you!!