Hi my name is Hosanna ! I am almost 22.

Ever since covid I have been struggling to get back on my feet financially. Through Covid I was unemployed. I had a nervous breakdown and went straight into a Christian counseling facility. While I was at this counseling facility I was not able to pay my bills and they accumulated quickly. I also had to pay this facility money in order to live there which pushed me even farther back finically.  Fast forwarding  I am working full time to help pay some of those bills which were, dental , student bills, and the list goes on. However with what I am making at my job and while pushing myself through school, it just doesn’t seem to be enough.

I live with a family from church but I would like to be able to support myself and to live in an apartment. However apartments have become quite expensive as well over the past couple years.  The money would truly be helpful and such a blessing. Any donations would be a blessing.

I do not have any negative habits such as substance abuse, or nicotine of any kind .

Any money that is given will be used to pay my bills, save for an apartment, while doing school. This money will be used wisely.

I have suffered a lot in my short life from hardships but I want to give back to society. My major is in Legal studies. I want to be able to help people and to maybe one day in 20 years from now be able to be generous with someone else who is in need.

Thankyou for taking the time to read this and God bless you for your kindness and generosity.

My cash app is , $Hosy99

Introduction
In life, there are moments when we take calculated risks to achieve our dreams and make a positive impact on our community. I recently embarked on such a journey by purchasing a duplex with the vision of transforming it into affordable housing for those in need. This endeavor is not just about personal gain but about contributing to the community by providing reasonably priced rental options. However, despite my best efforts and careful planning, I have encountered significant financial hurdles that require immediate attention. I am seeking $5000 to get out of the situation I am in due to spending my entire savings, maxing out my credit cards, and falling behind on my mortgage payments. This financial boost will not only stabilize my current predicament but also help in realizing the broader goal of establishing an LLC to make affordable housing a reality for many.
The Initial Investment and Unexpected Challenges
When I purchased the duplex, I was not made fully aware of the extensive work needed to make it habitable and attractive for potential renters. I planned my finances meticulously, allocating my savings and credit limits towards the renovation. Unfortunately, renovations often come with unforeseen challenges and additional costs. In my case, structural issues, outdated electrical wiring, and plumbing problems significantly increased the renovation budget.
Structural Issues: Upon starting the renovations, we discovered that the foundation needed reinforcement, which was an unexpected expense. Foundation repairs are critical for the safety and longevity of the building, and this alone took a significant portion of the budget.
Electrical and Plumbing: The duplex had old wiring and plumbing systems that were not up to code. Upgrading these systems was essential to ensure the safety of future tenants. These upgrades were more expensive than initially anticipated.
Permits and Inspections: Acquiring necessary permits and passing inspections required additional fees and time. Each delay in the project timeline resulted in increased labor costs and extended the period before I could start generating rental income.
Mold and other contaminants: During the renovation of the duplex, a significant issue arose when mold and other contaminants were discovered within the walls of the bathroom. Mold thrives in damp, enclosed spaces, making bathrooms particularly susceptible. The presence of mold is not just an aesthetic problem but a severe health risk. Exposure to mold can cause a range of health issues, including respiratory problems, allergic reactions, and in severe cases, toxic effects from certain mold species like black mold. Individuals with compromised immune systems, asthma, or other respiratory conditions are particularly vulnerable. Removing the mold required professional remediation to ensure thorough decontamination. This process involved tearing down affected walls, treating the area with antimicrobial solutions, and ensuring proper ventilation to prevent future growth. Additionally, any contaminated materials had to be safely disposed of to prevent spores from spreading. This critical but unexpected intervention added to the renovation costs but was essential to ensure the safety and well-being of future tenants. Ensuring a mold-free environment is vital to providing safe, healthy living conditions, aligning with the broader goal of offering affordable yet quality housing.

These unforeseen expenses depleted my savings and maxed out my credit cards. As a result, I found myself unable to keep up with mortgage payments, further compounding my financial distress.
The Vision of the LLC and Community Impact
My vision extends beyond just this one duplex. I aim to establish an LLC dedicated to acquiring, renovating, and renting out properties at affordable rates. The current rental market in our area is pricing many individuals and families out of safe and comfortable housing. By offering lower rental rates, my goal is to provide a stable housing option for those who are struggling financially.
Affordable Housing Crisis: Many people in our community cannot afford the prevailing rental rates, which often exceed $1000-$1200 for a one-bedroom apartment. This financial burden forces them to live in substandard conditions or move frequently, which disrupts their lives and contributes to instability.
Community Stability: Affordable housing helps in fostering a stable and thriving community. When people have access to affordable and safe housing, they can focus on other aspects of their lives, such as education, employment, and health, without the constant stress of unaffordable rent.
Economic Development: By renovating and maintaining properties, the LLC will also contribute to the local economy. Hiring local contractors, purchasing materials from local suppliers, and improving neighborhoods all have a positive ripple effect.
Immediate Financial Needs and Long-term Sustainability
The $5000 I am seeking will provide immediate relief and help me stabilize my finances. Here’s a detailed breakdown of how the funds will be utilized:
Mortgage Payments: Catching up on overdue mortgage payments is critical to prevent foreclosure. This will secure my investment and allow me to continue with the renovation and renting process.
Credit Card Debt: Paying down a portion of the maxed-out credit cards will reduce the financial strain and improve my credit score, which is essential for future investments and financial stability.
Completion of Renovations: The remaining funds will be allocated to completing the necessary renovations. This includes final touches that will make the duplex ready for tenants, such as painting, landscaping, and minor repairs.
Operational Costs for the LLC: Establishing the LLC involves legal and administrative costs. Part of the funds will go towards registering the LLC, setting up accounting systems, and other initial operational expenses.
The Path Forward: Building a Sustainable Business Model
To ensure the long-term success of the LLC and the affordable housing initiative, I have developed a sustainable business model that includes:
Property Acquisition Strategy: Identifying properties that require minimal renovations and are located in areas with high demand for affordable housing. This strategic approach will minimize initial investment and renovation costs while maximizing potential rental income.
Cost-effective Renovations: Partnering with reliable contractors who offer competitive rates and using cost-effective materials that do not compromise on quality. Implementing energy-efficient upgrades to reduce utility costs for tenants.
Rental Pricing Model: Setting rental prices below the market rate but high enough to cover costs and generate a modest profit. This balance ensures affordability for tenants while maintaining financial viability for the business.
Tenant Support Services: Offering services such as financial counseling, tenant education programs, and maintenance support to help tenants stay on track with their finances and maintain the properties in good condition.
Community Partnerships: Collaborating with local nonprofits, government agencies, and other stakeholders to secure grants, subsidies, and other forms of support that can offset costs and enhance the impact of the affordable housing initiative.
Conclusion
In conclusion, the $5000 I am seeking is not just a request for financial assistance but an investment in a vision that aims to address the affordable housing crisis in our community. This immediate financial support will help me overcome the current obstacles, complete the renovation of the duplex, and lay the foundation for a sustainable and impactful LLC. By providing affordable housing, we can create a stable and thriving community where everyone has the opportunity to live in safe and comfortable homes. I am committed to making this vision a reality and appreciate any support that can help us move forward. Thank you for considering this request and for believing in the potential for positive change in our community.
I am working full time but only making about $500 per week. After groceries and other recurring monthly bills I never have enough to save to get caught back up. Any help I could get would be greatly appreciated. If you would like to donate my paypal link is below.
www.paypal.me/rdavis6791

Hi All,

I’m mother of two(2yrs and 4yrs), my husband lost his job recently and is unable to land in job but trying very hard every day.

We have lots of bill to  pay, we got eviction notice for this month. I’m here asking money because none of my family members are helping us. they back stabbed my husband. My husband has helped my family a lot. he need not have done that but still he did. he helped my brother get into USA, helped him with college and get a job. he has helped my other cousins with the same. Now everyone is getting nearly 90K$ per annum but none are coming forward to lend us some money.

We have a total of 73000$ in debt.
1) discover credit card = 17898$

2) Apple credit card = 12000$

3) personal loan, which helped those backstabbers = 12000$ , initially took loan for 25000$.

4) amazon prime store card = 2483$

5) PayPal master card = 1612$

6) Care credit = 576$

7) Venmo card = 511$

8) capital one car loan = 21812$ ( we had a Pacifica Chrysler hybrid it was at 15000$ and we were paying the finance. my sister in law wanted money for her husband, coz he lost his job on 2022.  we sold our golden car pacifica for them. it sold at 32000$, with the finance it came at  17000$. they wanted 13000$, they are in texas plano. rent is high so we gave them what they requested.

with the 4000$, we bought a honda odyssey priced at 16000$, out credit score was low. so the loan came at 29000$. my husband is paying it till now with what he had..

9) credit one  visa = 489$

10) eviction notice from landlord for not paying rent for two months= 3600$

 

I humbly ask every one to come forward and help us..

I and my husband will pay back what ever you are donating to us. My husband is very hard worker. he will not accept money for free. he is so kind. As i have a 2yrs old baby im unable to move out of house.

Please say us your email id in the memo or notes to contact back and return the help. we will contact back and return your money for sure but it will take time. this would be a life saving help for us..

My zelle – 646-244-0146

Thanks,

AAS.

My name is Matt, my wife Vicki and I are retired and on a fixed income. Living in California and retiring in 2016, I have seen the cost of living dramatically increase to where the income just doesn’t go as far anymore. We refinanced our home to pay off some bills and as a result our mortgage payment went up dramatically. I took a full-time job to help cover the increased expenditures, however I am finding that getting older isn’t for the faint hearted and I had to quit the job due to fatigue. I now stay at home and care for my wife who requires about 60% of my attention for day-to-day tasks with herself and the house. We also perform fostering for special needs kittens and have had a rough time getting them adopted, we spend about $1,500 a month for their care, and we do write this off as a tax deduction (to a non-profit) but one only sees about 21% of that back upon the tax return. Both of our vehicles are paid for, and we don’t live an over-the-top lifestyle, just the basics. We were able to make the mortgage payments on time for about 7 months, but we were always becoming late with other bills to ensure the mortgage was paid. Finally, I decided to skip the mortgage payment at the beginning of the month, catch up on the other bills and pay the mortgage at the end of the month while incurring a late fee but so far avoiding the dreaded 30 day late. As a result, I know run 27-29 days late every month and am trying to make up that extra payment to get back on track. On a good note, I have been slowly paying down credit cards and my credit score is slowly rising (I think I am at 614 as of today). My mortgage is $4,270 without late fees. If there is relief out there, I pray it finds us. I cannot handle anymore high interest loans that just trap us and keep us from moving forward.

I’m a 46-year-old female entrepreneur battling lupus and fibromyalgia, which have drastically impacted my ability to run my cold-pressed juice business. With no family support and struggling to secure SBA loans for essential upgrades, I urgently need help to cover my mortgage and car payments to avoid losing my home. Your support could be life-changing as I fight to maintain my independence and business. Request $5400 or anything.Thank you for considering my plea during this challenging time. PayPal @gotgreendrinks

1. Made a mistake buying a home. The realtor  said it just needed leveling and I believed her. She had me sign a waiver of a home inspection which I didn’t want to even sign. Had me convinced i couldn’t back out of the contract. Did not even have a final walk through. The place needs a lot of work which I can’t do alone. Now I have to pay rent and mortgage cause I can’t move my 4 kids into a very cold place. It needs weatherization and renovation. I’m shitoutta luck an don’t know what to do. Lord God please help me. Please find it in your hearts to send me help. I pray in Jesus name.
2. https://www.paypal.me/MMinock
3. $MmMinock

July 23rd 2020 at 2:38 p.m. I was driving my route as a Lincoln Nebraska city bus driver, that day I had bus 320, when a car driving the opposite direction of me fired a weapon at my bus and killed the only passenger I had on the bus.

My employer gave me one day off after the shooting which happened on a Thursday and gave me Friday off.  It was devastating to watch somebody die in front of me and I took the next 3 weeks off, using my vacation and sick time to try to get over the shooting. I went back to work but it was very hard for me, every time a branch hit the top of my bus I thought it was a gunshot, every time somebody closed a car door I thought it was a gunshot, The nightmares at night over and over again and my doctor gave me anxiety medicine to try to help me sleep. The city of Lincoln Nebraska denied me workman’s comp they said that PTSD according to the city officials were only paid to Police officers, EMT, & Firefighters. And I had to pay for my counseling myself with no help from the city, no support whatsoever from the city.

I turn 62 and again I was assaulted by a passenger, I couldn’t do it anymore, to much violence by passengers I had to retire.

Money is so tight for me, my mortgage payment is $1,420 a month My social security is $1,765 a month I do get a retirement check from the City of Lincoln, but in two years it’s going to run out and I need to do something now before I can’t make my house payment any longer.

I thought about selling my home, but to rent is more expensive than my house payment so that doesn’t work. I’ve lived with this trauma for years now,  I’m so frustrated. So any donations towards the payment of my mortgage would be so appreciated and relieve a lot of stress on my continued retirement.

Thank you for reading my story.

https://www.paypal.me/lynnrevis

In need of help, when covid hit the world, I had a full-time job, and lost it, due to cutbacks and putting my family and self in a tailspin. Looking for work at the age of 60 is not easy, small-time jobs and leaning on my wife put her health in jeopardy. I sold almost everything of value and we are still behind in mortgage and taxes. I decided to try my hand as a hired hand taking on small jobs, which has helped, but time is not on my side. Anything to help would be helpful. Thanks all who read this , and God bless.

Dear All,

I’m reaching out to you today in hopes of finding support during a challenging time. I’ve been a nurse for almost forty years and now I am retired. My career was my passion, and helping others has always been my calling. That is why I’m writing to you today—I need your help.

My husband and I have been married for almost thirty years, and we’ve shared a life built on love, service, and faith. However, last year, we lost my mother after caring for her for seventeen years. Caring for her disabled status was a full-time job, and it took a significant toll on our finances. We’re now facing a substantial mortgage of over 400K, student loans, and credit card debt. We only have our social security to depend on.

We worry that if one of us passes first, the other one will be homeless because the one left will not be able to afford to remain in our home, given our significant financial challenges. We saw our lives going very differently than this.

We want to stay in our home, and if we need a caregiver or nurse, then we would like to be able to hire someone to help us while we live our lives out at home. We only want what we were able to provide for my mom at the end of her life, and that is to live with dignity and improve the quality of our lives debt-free.

We’re hoping to raise money to pay off our mortgage and student loans, pay our credit cards, and maybe take a honeymoon we have never had. We would be so grateful for any help you can offer.

https://paypal.me/extendlovenow?country.x=US&locale.x=en_US

Thank you for taking the time to read this, and we appreciate everything you can do to help us.

Hello, I am humbly asking for emergency help with my mortgage and bills. I owe $20K in late mortgage and about $3K in late utilities. HOW DID I GET HERE?! I went to college, got my degree, and worked in my field for 10 years… all the “right” things, and still things just went wrong and I am struggling to get it back on track. I have worked primarily in staffing and recruiting throughout my career, with a focus on process optimization, and I loved it! But ever since COVID hit in 2020, the staffing industry has gone through a series of layoffs. I was laid off once in 2020 and the last time, in May 2023.

I have applied for many jobs, written many cover letters, and applied for $17/hour jobs; although I’ve had interviews, there have been no offers. I had a roommate move in, but then she was laid off and couldn’t pay rent so she moved out. Now I just had TWO roommates move in and that will net me $1,300/month, but my mortgage company won’t let me make partial payments?! (I’m still going to try!) In addition to all of this, I fell and hurt the cartilage in my knee and healing has been slow; AND I can’t do rideshares because my car is older than 10 years old.

I love my home so much and I’m scared if I lose it I’ll never be able to be a home owner again. I’m happy to try and work out a repayment plan, I am just begging if anyone could please help me during this incredibly bleak and oppressive time in my life, you would be my hero and help me save my dreams of being a homeowner.

http://paypal.me/SarahSmile4thee