Hi, my name is Jackie, I am struggling to stay afloat as I am going through a divorce from my husband after our youngest daughter passed away. I left the house I was living in with my husband and moved in with my oldest daughter. About a year after I moved in she lost her job due to Covid and has been having trouble finding work. She has applied for disability as she has emotional, mental, and anxiety issues (from losing her sister and her children’s father who has also passed away), so I have been paying all the household expenses. Mortgage, utilities, food, car insurance, gas, pet food, household items, etc. I have fallen behind on the mortgage and property taxes. Thankfully, the mortgage is through a private lender and has been very understanding to this point. However, they have stated one more missed payment and they will foreclose. I am going on 3 years behind on the property taxes (not included in the mortgage). The tax office sent a letter stating the property may be sold at a future date if not paid by 09/30/2022. I attached a copy of the letter from the tax office. It is now the end of the year and I still have not been able to pay. My car has a leak (I think oil) and I can’t afford to have it repaired or buy a new one. It’s an older car (2003) and is starting to fall apart but it’s all I have and so far it has gotten me to where I need to go. I could really use some help to get us caught up so we do not end up losing our home. It’s not a fancy home. It’s an old trailer home, but it’s our home and I don’t know what we would do if we lost it. It has really been a rough couple of years for us. With losing my daughter it is a challenge to have the will to get up some days. I do my best every day to try and remain positive, however, some days it just’s really hard to have a positive outlook on life, especially when you feel like your drowning and you don’t see a way out. I pray someone will find it in their hearts and be our angel and help us. Thank you for taking the time to read this.
I am a front line health care worker who has been off work for over a year now due to long haul Covid related health issues. My husband has been off work due to having cancer requiring chemotherapy and radiation. We having been trying to borrow from Peter to pay Paul to keep our heads above the water but everything is now maxed out and we have no where to turn. We have no family or friends who are in a position to help more than they already have. We have even utilized the high interest rate options such as cash money and Cashco. The banks are not willing to take a chance on us by giving us a loan or line of credit. We have $15000 in credit card debt, an $85000 (paying interest only) 2nd mortgage and $25000 in personal loans. We have sold what we can on Marketplace or Kijji and are trying very hard not to lose what we have left. Money has always been tight for us as we were both in debt from previous relationships when we met. We have been married for 28 years. We never had the chance to get out of debt as we had 2 children that were born with special needs. Being a nurse our family income was too high for the subsidies and services that were available, although we did access what we could. That led us to remortgaging our house many times over. One of us (my husband or I) always had 2 jobs to help pay the bills but never allowed us to build any kind of emergency fund. Our 1 child is on AISH but still requires financial support from us. We thought when our youngest turned 21 we could finally start to focus on us and the future. Unfortunately that’s when cancer and Covid struck our life. Without the ability to work and make ends meet we are at a loss. We have always believe in helping if we could (usually in the form of volunteering) and paying it forward. I can promise with all my heart when life turns around for us we will be there for someone like you have been there for us. Thanking you for taking the time to read this and perhaps help doesn’t seem adequate but truly and sincerely
First, if you are reading this, Stop!
Go help someone else.
I am really and truly writing this so that I can help others. I can do that by sending you somewhere else on this site.
Maybe sending you away won’t help me and the people I currently have in mind, but so what?
Go on, get out of here, come back if you still have a little to give after that.
If you have come back, just… Wow. Whether or not you choose to help me by the time you are done reading this ridiculously long note, thank you. Thank you for going away and thank you for coming back.
So here it is:
In the past I have always been one to help. Friends, acquaintances, strangers. Among other things, I have given money that I have not always had, paid for medications, taken in pets, driven people hours, given time, and given my home to many, many people.
Beyond helping, and most of all, I have cared deeply about people. Even, perhaps, sometimes when they did not deserve it.
Years go by and times change, I have had a rollercoaster of a time. Not worth getting into except to say that after a very long time I again have a decent job and a roof over my head. Even if the pay is half of what it used to be and the roof is not my own.
Except I am not in a position to help others and I have a feeling some of those I care deeply for are going to need that help soon.
Really, the cost of extricating them fully from the mess they have managed is far, far beyond my means.
But they are almost certainly going to need shelter and, while I do not have it to give just at the moment, getting some should not be that hard. Besides, it is time I moved from where I am anyway.
I can maybe rent a place tomorrow, but I had been planning on buying a bit down the road. My current spot allows me to save rapidly towards that goal, but renting would cut my ability to save to almost nothing.
My choice was/is accelerate my timeline or give up on buying all together. So, knowing it will mean a worse house or worse area and a worse mortgage than I was aiming for, I chose to accelerate for their sake.
I have cut back on everything to save more, begun selling as much as I can on eBay and family member has offered a small loan. I should be able to pull together a reasonable down payment and closing costs in 3 or 4 months.
But it is now looking like the bottom is going to fall out on my friends at any moment and I am unlikely to get even the 3. I am running out of time.
And so, feeling some mixture of embarrassment, shame and disgust, I am writing this. I always endeavor to give, not take and I feel wretched asking.
But, if you have made it this far, already helped someone like I asked you to at the top and, after reading this, have a little you are considering throwing my way then thank you.
I will not pretend that you would not be helping me and, really, I am doing fine, but every little bit will also help me help friends in a bad situation and others down the line.
I will likely never be able to repay you except by paying it forward but I promise I will do that.
Just when I think I’m going to be ok financially something happens to change that. Currently I am behind on my house payment with another one coming up in 2 weeks. I got behind on my electric bill and now have a disconnect notice in front of me. I do not like asking for help I’d rather be the one helping others. I had to humble myself today to ask for this help. My house payment is $693 a month. If there’s anyway I could get help with this month and next months house payment and my electric bill of $419.93 I would be so grateful. Its hard to even think straight everyday because my mind is so clouded with what am I going to do thoughts. I am 60 years old and work as often as I can. I am hoping to start a new job next month and that will get me back on track of course once I am able to take care of my current financial situation. Any amount would be appreciated. My disconnect notice is October 18, 2022 for my electric. I try to live my life as simple as I can. I don’t go out or eat out. I buy the cheapest food I can. The car breaks down or I get sick and cant get to work and everything gets behind. The price of food has gone up so much along with my vehicle insurance, gas and my home owners insurance. I struggle with depression daily and this doesn’t help me any. I thought of having a room mate but I tried it once with my sister and her boyfriend. I let them move in and was to receive $600 a month rent. I thought this will help me out. They didn’t have a vehicle and at the time I had $2000 saved up. I took the $2000 and bought my sister a vehicle and she was to pay me back in monthly installments. In the 8 months that they lived with me I received 2 months rent and never a dime for the vehicle. My electric and water bill went through the roof. They were eating what little food I had, making messes in my home, and screaming at me when I would ask for help. I had to force them out something I didn’t want to do. They took the van, left me with bills hanging over my head and have been struggling since to get ahead. I have vision problems as well and cant even afford to get an eye exam. I really try to stay positive for the most part. It does make me feel better when I’m able to help others even if its just cleaning their home or giving them a ride or just being a listening ear. The job I’m hoping to get next month is being a Caregiver. Its something I am passionate about and it definitely helps take my mind off of my own struggles. I have worked so hard to even be able to buy my own home. I almost lost it during covid but with hard work I was able to get back on track for the most part until now. I’m very hopeful that there are those out there that can help me to get where I need to be so that I can have a clear mind and be able to do the things I need to do to be a good steward. With a clear mind I am able to help those that need me and I can be a part of the ripple affect of helping others. I have faith in our father above and I do know that somehow things will always work out.
Hello, my name is Jackie and I am asking for help as I’ve been on medical leave since June 15th. Being on an EI doesn’t really cover any of the bills. I have fallen behind on my mortgage as well as some small other bills. I am about $4030 behind with everything combined. This is hard for me to ask for help as I’ve always been self sufficient and I’ve been working since I was 12 years old. I am looking right now to see what I can find for an online job as well to help make up extra income. I don’t know how much longer I have before the repercussions of being behind will severely affect me. If there is anyone that’s able to help any thing is greatly appreciated thank you for listening. I always give what I can when people are in need as I believe you are able to help Humanity it’s the right thing to do. My PayPal is firstname.lastname@example.org much love and thank you
Hi. my name is Karri and I am hoping I can get some help for my mother. My mom was one lucky lady that she was able to marry her high school sweetheart and her very best friend. My parents were always very close to each other as I grew up. As my parents got older they relied on each other for love and friendship. My father passed away in March of 2022 of stomach cancer. He had been diagnosed about 9 years earlier with Leukemia but he was a trooper and handled his regular chemo regimen very well.
My mom is not handling the passing of my father very well, and that is so understandable. The problem is that my parents had no life insurance policies and they did not have any retirement savings. They have both worked all their life but they were the paycheck to paycheck parents. My mom still has a very high mortgage left on her house right now which is 1065.00 a month. Unfortunately her Social security check she gets every month is just shy of 1100.00 a month. So you can see why I am asking for help for her. Myself and my sister have been helping her as much as we can each month but its been 6 months now and both of us are starting to struggle with helping her. I know that the simple answer would be to just put the house on the market but my mom cannot leave this home right now. She breaks down every time she even thinks about having to have to leave. This is where her and my dads last moments were when he was ill and she was taking care of him. This is where she feels that she can still be the closest to him even though he has passed. Myself and my sister cannot force my mom to leave this house when she is not ready. I know that we lost our father but she lost her soulmate that she spent everyday with, so she still needs more time to heal from this.
I completely understand that we all have our problems in life and with the cost of living going crazy it is difficult for all families. I would be completely grateful if anyone could even donate 1.00 to my mother. Would it be awesome if I could find 185,000 people that would donate 1.00 each to my mother so she could pay her mortgage off and not have to worry, of course it would. I would love any type of help that can buy my mom some extra time in the house without worry. I would greatly appreciate if the help you can give is just passing this request onto others so I can get this as far as it can go.
Thank you for any help,
I believe in kindness, I believe in compassion, and I think that people should not leave each other in times of trouble. I am Shorena Dogonadze, 35 years old. I live in Georgia. I am a single mother. I have three children Elizabeth, Mia, and Daniel. After separating from my husband, we had to take a loan to buy an apartment. Before the pandemic, I had a small beauty salon through which we somehow managed to pay off the loan and make ends meet. After an extended lockdown, it became impossible to operate a business. I lost my hard-earned business. My current job does not allow me to pay the loan and feed the children. We faced the danger of losing the apartment. I am terrified, I am already left alone, and my relatives are on a worse day than me. The amount to be paid is EUR 40,560. I am asking you for help because of the small children, Please protect us please kind people do not leave us without our warm home.
I’m so incredibly overwhelmed with everything right now, it makes it difficult to even type this.
All my efforts to get a decent job, after losing my last one have failed.
I finally have a job lined up, but it doesn’t start until three weeks from now.
I’ve been delivering food to make some cash, but its just not enough.
Three months ago my wife did something she will forever regret. I don’t want to be graphic, or say exactly what it was…because you don’t need to know to understand the aftermath.
She had been depressed.
more than ever.
We had an argument that night,
because I was berating her about not keeping up with our house while I’m away driving truck.
I know it was wrong to judge her…but I didn’t know I’d have to rush her to the emergency room that night. It was such a petty argument in my eyes, when we were having it…but, I didn’t know it would lead to her being hospitalized for weeks…
We were only just catching up from my business failing, during Covid. We were nearly there. Nearly ALL of our bills were paid and the sacrifice, was being away from home, my beautiful wife…and my three young children, for months at a time.
We didn’t catch up, though…for the moment I was home…we fought, and that fighting led to her doing something awfully sad.
I spent the next three weeks trying to find childcare, but couldn’t afford it. I also felt terrible about the idea of leaving my young kids after what had just happened. I told my boss everything, but he was losing his patience with me.
He couldn’t afford to have his truck and trailer sitting at my home idle as a result of my own personal household issues.
I never found someone to watch the kids, so I could work.
Feeling helpless, I was finally allowed to see my wife, three weeks had passed…it was relieving to see her, but I was full of anxiety and felt like I was meeting someone for the first time. She had been heavily medicated and seemed different…and it was the next day that I’d have to go return to my job over the road.
How incredibly nerve wracking it was, to be 1,000’s of miles away from the woman I love and my three children while still not knowing if she was, “okay”.
Clearly in the past she seemed, “okay” but…
that is now always going to be a constant fear of mine,
that she might not be…
not only that,
but she had developed an awful case of avoidant relationship issues toward others, leading me to constantly worry…
some days we didn’t text or talk on the phone and with my anxiety I always feared the worst.
My boss and owner of the company I was working for was typically kind, but he was a short fuse that was easily lit…
One morning I woke up in my sleeper berth, anxious and unable to get ahold of my wife.
I had hardly slept because I was so incredibly concerned about the state of my family…
we were so behind on mortgage and bills at this point, ones which I had been sacrificing to pay and catch up for almost a year now.
I soon looked at the clock and realized that I was running late for my pick up…
the night before I had accidentally fell asleep without my alarm set.
(This was a few weeks ago)
I quickly got up and knew I had to leave the truck stop as soon as I possibly could to even come close to on time for my next pick up…
I did a look around the truck and then pulled out of my spot…
all of the sudden everyone was yelling at me and blowing their air horns…
I pulled my air brakes and went to go see what was going on, why everyone was honking and trying to get my attention. I walked to the passenger side of my trailer…
and Then I saw it…
A nicely painted, brand new semi next to me wasn’t so beautiful anymore.
The end of my trailer had done a number on this guys truck.
I couldn’t even fathom how it could have happened,
I’ve never seen such a crazy instance like this…
but it was broad daylight and despite my spotless driving record and many years of experience in my field…
my boss was fed up with me.
I was only three hours from my home when the accident I had caused happened. During the whole ordeal…in the midst of being cursed and yelled at…and being told that all of this damage would come out of my pocket. I could only think that I had to go see what’s going on at my house, that I needed to know that everything was okay back home…So I asked to go home …
The next two days were awful for me, mentally and physically. I was dispatched on several small loads that were painfully exhausting and brought me inches away from my home. I still didn’t have contact with my wife.
My boss took my last two paychecks to pay for the deductible on his insurance and I ‘voluntarily’ quit, detailed his truck and brought it to his yard, which was several hours away…at this point I did not know he would be taking the last bit of money I needed to survive off while I searched for a new job.
My wife was fine physically, when I got home. The kids had broken her phone and she had no logical way (she definitely thinks different then me…I would have borrowed the neighbors phone or something) to get ahold of me, as we had no internet or anything like that. I didn’t want to fight about it but I did have a lot to unload unto her, which is difficult because of her severe anxiety and depression. I still haven’t explained all of this to her, only that I had lost my job and needed her to follow me to Chicago after the truck was cleaned out.
After all of that, she helped me find and apply for jobs that were 9-5 and fit my skillset but allowed me to be home every day…because I mentally couldn’t take being away from my three, six and seven year old any longer as well as her, I’d been missing out on everything in their life…and they’d been missing a husband and father. I joined the carpentry union, then couldn’t solicit work…the gas company shut us off. I joined the iron union, was promised a job but then couldn’t solicit work because someone else took the job, who had seniority over me.
Today I spoke with a trucking company who is promising me a local position with an hour commute. I agreed and then found out that the on boarding process takes three weeks. I still committed to it because it is a GOOD job…its the type of job I could fill all of my families needs with. BUT…I don’t even have enough fuel in my car at this point to get to the gas station. Let alone can I wait five weeks to receive a first paycheck, (three weeks to start, bi weekly pay).
The owner of my mortgage called me, soon after I landed this job. It’s seemingly an unfixable problem, to me at least…I’ve been trying so hard…We tried so hard…to get this home, its not a nice home…its a fixer upper, but our credit was shot early on in life…with both of us coming from extremely poor families…me being uneducated and a high school drop out. The list goes on…but beside all that, apart from all our flaws…we secured this home, we were ‘okay’. We have a backyard, its only a three bed…roach infested…1950’s asbestos filled home with a foundation thats cracked and getting worse…but…it’s our home…We did bamboo floors in the kitchen dining room by ourselves for around $200 of last years tax return money…then our well pump went out. We fixed the pump and our hot water heater exploded (for real) and flooded the basement (its been 6 months without hot water and we don’t qualify for a lot of government programs because we our on a land contract…its getting cold out…). Blah blah blah though, I think you get the picture…
Our mortgage total amount due is $3,600 to catch up ($1,040/m plus fees).
A hot water heater would be around $200-600 depending on whether we install it or have someone help.
The electric will be shut off on the 1st of October.
That’s around $400 to totally catch up.
The gas bill is insane…do to the house we bought having a ‘commercial building’ (its really just an abandoned falling apart scary place) which had gas turned on to it (first time home buyers, knew nothing about this) and they started charging us monthly $60 fees for not paying the bill (not for use of gas…but for being connected, which we shut off after finally being informed a year later…)
So…because of alll that…to get completely caught up with gas is around $800.
That would get us by I think…we obviously need so much more…kids clothes…etc…but we can live with the above help…
otherwise its eviction…not to be dramatic…but…if that happens…I just don’t know what could possibly get worse for us. We’ve had, quite sadly…miserable life’s…this year my wife’s father died at the age of 48. We are both about to turn 30…we have no one to turn to…we’ve been trying so hard…My wife nearly had her masters in Microbiology but had to quit because of mental dilemmas while also trying to juggle work and raising three kids…(which I know was probably foolish…for us to make three kids….but we did…so…we love them and want to give them a good life…I feel awful about how its been…half the stuff they don’t know…but they suffer regardless…and we love them so much).
If you are able…and you can commiserate with our situation…please help my little family out…we’ve all but lost hope at this point and its getting to that point…sorry for begging…I never saw my life becoming like this…It’s truly saddening to me that I couldn’t do what needed to be done to keep my family afloat.
god bless anyone who can help please pray for our family!!
My family has been struggling to stay afloat since I had to leave my job during the lock down here in Ky. I have been struggling with my mental and physical health. I have been diagnosed with an autoimmune disease of the thyroid, Hoshimotos thyroiditis, since 12 years of age. I would love to know what an average woman of 35 feels like. But I know when I started having aches and pains, trouble catching my breath without moving and chest pain with lite activity, hallucinating from lack of sleep and horrible anxiety and panic attacks that I needed to see a doctor or specialist. This started when I was with my ex-husband. I met him when I had an unplanned pregnancy, after my ex-boyfriend raped me, and no one believed me. I was living with him while I attended a tech college to get my LPN degree at 18. I didn’t want any kids. But when I found out and saw my son’s heart beating on my 4 week US, he became my first true love. My best friend and her husband introduced me to my exhusband who was in the army. He was 19 years old and told me he wouldn’t be able to have kids. I believed him at that time and he was nice, charming and he seemed to have his life together. He got out of the army and joined the NG and found out he was going to be deployed. This was 2006. He tore his shoulder in pre deployment and had surgery right away. My son was 6 months when I got pregnant with my oldest daughter and my son regressed into autism at 15 months, when he finally got his 1 yr vaccines. One day he was normal, milestones on time and the next he stopped talking and making eye contact and everything from sights, sounds and foods he enjoyed, made him upset. My ex couldn’t keep a job and I had found emails and pictures and when I went to confront him with them, they disappeared. This happened multiple times throughout our marriage. I had my oldest daughter and got pregnant when she was 3 months old. I didn’t have a drivers license and I asked to get my medication and have my labs for my thyroid, but I was dismissed. I finally got an appointment to get birth control and found I was pregnant but I miscarried at 10 weeks natural as my body hadn’t regulated my thyroid. There was no comfort. 2 weeks after my miscarriage I was pregnant again with my 2nd daughter. I felt awful the whole pregnancy. I didn’t get to my appointments. And even though his mom, sister and brother-in-law lived close by, they ignored me asking for help. My ex got orders for deployment again and he left 1 week after my daughter was born. That was 2019, during an ice storm and he had been activated to help clear trees and get people out of their homes. My mom and dad came to help with the kids and I ended up needing my gallbladder removed when my 2nd daughter was 6 weeks old. Not once did he call and see how I was or ask. I sent care packages that I learned he gave away. He spent all his money and barely left any for food and bills at home. When he returned on RandR he left his laptop with his email and Facebook open. I thought it was mine as we had the same laptop but realized it wasn’t from incriminating messages of cheating. And of course they were gone when I confronted him with them. I got an online associate’s degree. I got pregnant with my last daughter and found out he was to be deployed again. One week after she was born, he deployed. Again I received no help and had no money after he returned from deployment. During this time he made a friend with a woman. This woman had 3 kids with 3 different men. She ate out all the time and didn’t get child support. She was being evicted and my ex told her to stay with us. I told him no. It was 2014 and I had moved by myself with 4 kids into this house with a mortgage. I had started my associates in nursing at the local college. Her and her kids were horrible influencs and she was just a bad mom who played good cop bad cop. Mom and dad. She didn’t help with bills and they ate out every day. I confronted my ex about his relationship with her and he denied everything. His mom lived with us and she and his friend ease dropped on our conversation. My ex, his sister, mom and friend confronted me outside and told me that I was childish and selfish, for not supporting my husband’s friendships. Eventually I told her to her the hell out of my home. I was trying to finish my nursing degree. I started having problems with my mental and physical health. My body ached and my right arm would go through points of tingling, falling asleep and pain to the point where I want to cut it off. My hips and lower back hurt a lot more and my legs crawled. I had a sleep study and labs. My legs moved 59 times per minute in my sleep. My iron stores were very low. I was put on supplements. But my mental and physical health got worse and my Dr. Prescribed me anti depressants though it helped nothing. When I told him about my pain he mocked me, called me a pill seeker even when I just wanted to know what was wrong and would blatantly ignore things I said directly to him. I told my ex and him and his mom told me to grow up and that they deal with pain and it’s all in my head. My ex started seeing a therapist for his fake claims of PTSD stories. When I asked to see a therapist, my ex diagnosed me with trying to upstage him. Then I finally was able to get into his phone and confront him with the evidence I needed to realize enough was enough. My kids and I have suffered at the hands of him and his family. I worked a year as a nurse and had nothing to show for it. I was the only one helping the kids with school and appointments. I asked for a divorce. And then he abandoned his family and went to North Dakota to make a new one. I continued to work. My dad moved in with me to help with the kids. Then I met my current husband. He loves the kids and the kids love him. Right before we got married I found out my oldest daughter was molested by my ex brother-in-law. But nothing could be substantiated. There was only her word against his. I got married and my friend and mentor died at the end of the year. I started trying to get help from my doctor’s for my mental and physical health. My pain kept getting worse. I was having anxiety attacks and was allowed to collect intermittent FMLA and by the end of the year, I was fired and accused for something I didn’t do. I had to fight for my nursing license and I started a new nursing job as an at home nurse. But my mind couldn’t take the pain and lack of sleep. I started hallucinating. My doctor and the ER turned me away, saying I had no pain and I was just seeking for meds and attention. I quit my job when my kids schools shut down for COVID-19 and applied for unemployment. I have up my nursing license because I wouldn’t be able to pay for drug tests and evaluations for 4 years. Then some people lied and CPS made my family take our kids until it was straightened out. My ex took the girls and my dad got my son. Then they said my dad couldn’t have my son because someone said he was not capable of doing so. So they took my son 2.5 hours away to a foster home. My husband lost his tattoo manager position that he had for 5 years. He suffers from chronic pain and it’s something that keeps him living because he can’t do much else. He’s legally deaf and has hearing aids that makes him have anxiety when he wears them. And all this is tearing him apart. He got a factory job. And after 2.5 days they had no work d then. The holidays hit. I had exploratory surgery and found that I had endometriosis all over inside and 7 years of not being treated made it worse. I’m bleeding inside and out every month. I finally got my unemployment. Then we got COVID and the flu. When we got better we tried to open a tattoo shop with a partner and he took all our money, used my husband’s portfolio to pretend he was a tattoo artist. Our building owner kicked him from the building calling him a horrible person and partner. We found out he told his new boss that we were selling and doing drugs. We lost business clients and then we couldn’t keep up with the bills so we lost the shop. And our home has been in COVID-19 forbearance and now I was able to get my ex to modify his VA mortgage loan. And now our bills are past due. We won’t have a home for our kids to come home to. And they want to come home so badly that they cry every night. My mortgage is $855 due by the end of this month. And the next 2 months by the end of the month or we will lose our family home. It’s much cheaper than renting and by this point we won’t get somewhere to live. My dad died in July unexpectedly at 61 years. My mom has the two youngest girls. My husband has no family. We have asked and sold so many things that we have nothing left. And my husband’s tattoo equipment is the only way we can get back on our feet. We have tried to get foodstamps but they gave us $200 and then even though we gave them the paperwork, they keep stopping them and say we didn’t. So we have no food left in the house. We have one car that’s running and it’s not doing well. We need some help just to get back on our feet. Money for gas, getting one of our cars in better shape and bills paid so they aren’t shut off. We could even take part of our house and make it into a tattoo shop but we need the money to fix it up for approval and licensing. We just don’t want money we want a kickstart back into our life. We want our family back.
Hello, my name is Stephanie and I am a single mother to the most amazing young lady. I have been a single mom for the last 16 years. I have been raising her alone and have proudly done so with no financial assistance and minimal help from her father. We have recently fallen on hard times and I am in danger of losing our home. I bought our home in 2019 and was so proud that I could buy our house on my own. In February 2022 I had an unexpected medical issue, I was diagnosed with Covid-19, resulting in a hospital stay and very high medical bills. I am happy to say that I have fully recovered, but was left with some very, very high bills that I had to pay. I was forced to drain my savings account in order to pay my medical expenses as well as my bills for the time I missed from work.
In May of 2022, I had to put a new air conditioning unit on our home at the cost of $6000.00 which caused me to further spiral into debt. I live in Arizona so not replacing the AC until was not an option.
Because of this, I am now behind on my mortgage and in danger of losing our home that I worked so hard to buy. The housing market in my home state is ridiculously high so selling my house and moving into an apartment is not an option as my mortgage is actually lower than standard rental prices.
As if these hits from 2022 weren’t enough, my other was diagnosed with Alzheimer’s and has had to move in with my daughter and me. I have been taking care of her while working my full-time job from home. I have started to drive for Uber in an attempt to help with my bills, but I am limited in the hours I can drive for them because my daughter and I share our one vehicle. In addition, someone has to be at home with my mother at all times as she recently started to open the front door and wandered off.
We also have 2 rescue dogs that are the loves of our lives, a pair of liter mate brothers that we were able to rescue 4 years ago.
I volunteer at our local food bank making food boxes for those in need, cleaning and helping with the weekly farmers market they run to raise funds for the food bank. I also volunteer at our local homeless shelter working in the daycare center.
I appreciate you taking the time to read a little about me and my family. Any assistance you can provide is greatly appreciated.
I have attached a copy of the mortgage dashboard showing my delinquent account. I currently need $2122.00 in order to be current.
Thank you for your time and may your god bless you.
We are a family of 4, there is myself, my wife and my 2 sons. I work very full time as a nanny for parents that are both doctors. My schedule does vary, but it does not leave room for me to get another job. My wife has been officially disabled since 2019 and struggles with Fibromyalgia, Crohns, and some other chronic conditions. She does do editing for an independent publisher but this doesn’t bring in much income at all. My oldest son is 21 and still lives with us. While he does work, the pay is not great. My other son is 17 and is still in High School.
Pre pandemic, we were doing fairly well. Not well off by any means, but doing okay. However, with gas, food, and bills getting more and more expensive, this is changing quickly. Now we are struggling greatly and have done all the things we can to reduce our monthly costs. We dropped cable, changed cell phone providers, called others monthly bills to see what they could do to work with us. Food is the biggest issue. I have a list of foods that I have to avoid in order to remain functional and able to work. This means that I often have an issue buying cheaper foods.
Due to these rising costs, we are now behind on our mortgage. It would be devastating for us to lose our home during this time and I have no idea where we would go. Our home is nothing fancy, it’s 3 bedroom condominium that we bought in 2019. It’s small enough that it’s easier for me to take care of fairly easily but big enough for us to have room. I also have no idea how we would be able to move with the cost and physical work that my wife is unable to do.
I would love to either get caught up on our payments and perhaps a bit more, or get our home paid off entirely in order to reduce our monthly expenses. The picture I’ve added with this is a picture of our condominium so you can get a better idea of our home.
Thank you for looking and thank you in advance for any help you can provide! It is so appreciated.
I’m asking for your help with a down payment for a multi-family house. My goal is to raise $20,000. I have $20,000 myself—so having $40,000 as a down payment would allow me to broaden my search into more desirable neighborhoods and generate more rental income. A donation from you in any amount will help me on my way!
A little about me: I am a divorced mother of two kids and share custody with their father. My daughter is 14 and my son is 11. I work professionally as a graphic designer but am always searching for creative avenues to get me out from behind a desk, challenge me, and allow me to learn new skills. Recently I have begun casting concrete countertops and tiles. I’ve cast countertops for myself several times—but the tiles are a new undertaking for me. Right now, I’m in the middle of a countertop job for a client, which has been an adventure.
Growing up I watched my father, a contractor, do everything from carpentry to electrical to plumbing—so I had a cursory knowledge of these areas. During COVID, in an effort to focus on anything other than the pandemic I expanded that knowledge by gutting two bathrooms, which necessitated working on both plumbing and electrical, entirely on my own. I also took the class to become a realtor and passed the test on my first try. I don’t plan to become a realtor, but it was fascinating to learn all the ins and outs of that business.
I’ve wanted to invest in a multi-family house since I moved to New Haven after college in 1998. Not only did I think it was a smart investment (especially in a college town), but I have always been passionate about anything related to real estate. I know many people who own multi-families in New Haven. They are all profiting from their investments and would be excellent sources for information, advice, and support for me.
The problem is that if I don’t do this soon the money will start disappearing. I’m admittedly not the best at saving money and between providing for my kids and working on my house I worry that I’ll find things that we need and before I know it, I’ll no longer have any down payment. This is partly why I want to invest in a multi-family—I want to invest in something tangible, that will increase in value and will provide a bit of extra money for those things my kids need without dipping into savings.
Every contribution helps me get closer to my goal, so I appreciate your time and your contribution!
Thanks so much!
Purpose: To increase my down payment for a multi-family house
Deadline: October 31, 2022
How to give: https://paypal.me/housefixer515
My husband and I went to high school together but never dated. After we both suffered failed marriages and some really bad relationships, we found each other again in our 30s. After getting married in 2020, I gained two great kids from my husband’s previous marriage. Although our kids are phenomenal, they are teenagers starting to form their own futures and they don’t live with us full time. I have a desire to raise a child with my husband. Due to circumstances beyond our control, having our own kid isn’t a possibility so adopting is the route we have to take. Seems simple, but housing is our issue.
We had a cute rental in and up and coming area in the city. It wasn’t an ideal neighborhood to raise a family so we cashed out our retirement and bought a family member’s dilapidated house to rehab. We moved into an RV in the backyard temporarily, yet 3 years later we are still in it. Credit scores prevented us from getting a construction loan. Then the pandemic crushed our already deflated finances and grew our credit debt to over $50k.
To adopt, we need a house and not an RV. We have abandoned the idea of rebuilding the family home and want to buy just a small home. Although our credit scores have increased, our debt is only allowing us to qualify for $110k mortgage. To get a decent house in our market, we need to qualify for $200k. We can’t get a home equity loan because the house we have won’t qualify for insurance and we can’t sell the house due to it being a family home. On top of it all the city isn’t going to allow us to continue to extend the variance on the RV in the backyard.
So what it all boils down to getting rid of our credit card debt as fast as possible. We combined it into a 6 year personal loan and are making consistent payments, but I’m nearing 40. I’m ready to be a great mom to a kid in need. We have great jobs now and we have a plan to get out of debt, we just want it to happen sooner than we are able to do on our own.
Please consider donating. I am on here asking for help as I would like to remain anonymous to protect the others in my story.
Currently I am in a tough spot. And honestly I do not know how to take myself out of this hole that I am now in. Not only financially but mentally and emotionally. For the last year, year and a half I’ve been struggling immensely with severe depression, anxiety and constant high stress levels.
each day it’s getting harder and harder to catch up with bills. I just keep falling further and further behind and doing all of this on my own while being mentally unstable has proven to be quite difficult. it’s genuinely getting to the point where I don’t even understand why I still exist. What is the point in me living if I’m just constantly going to be miserable and stressed about money and bills like I am now.
i’ve always been giving money. I’ve always had a plan and a budget. And there is a system to paying my bills coinciding with my paychecks. And I always had money left over to put some in the savings and the rest was mine to have fun with, never too much though. I preferred putting money away for a bigger picture adventure.
unfortunately due to Covid my roommate got sick in January and I had to quarantine from work and because I am unvaccinated I had to quarantine for 14 days unpaid. I know sooner get back to work at the end of the month and two days later I was so sick I couldn’t even walk across the room. I don’t even know how I managed to drive to work that day because I couldn’t even function enough to walk out of the building an hour into my shift. I then had to quarantine for another 14 days unpaid, while also being ungodly sick for another month straight. I was miserable for weeks and unable to work with no income. My roommate also was out again due to me being sick. Then he ended up having to be out of work even longer due to needing a second back surgery because a degenerative disc disease that he has. So I am essentially covering all bills and expenses myself. I’m struggling more than ever my bank account is never not negative. So that I’m constantly getting overdraft fees and late fees stacked on top of everything else. Because of my bad luck with money I’ve also manage to max out three of my credit cards . With gas prices at this point I go to the pump and play card roulette I don’t know what cards gonna let me pay or if any of them really will.
all of the stress is just weighing me down even more and my depression has spiraled further than it ever has I am genuinely scared of my own mental state and I know the only thing that’s going to start to bring me out of this is financial freedom. I don’t know what other options I could possibly find I can’t get a loan I can’t get another credit card to consolidate that because of missing mortgage payments my credit score dropped unbelievably low. I have never felt so embarrassed in my entire life. I haven’t bought groceries in months I live off of water ,Ramen and the occasional Dr Pepper just so I don’t completely go off the deep end.
any help at this point is so welcomed and I genuinely cannot wait for the day that I am financially comfortable again because I’ve always been a giver and a helper and I want to be able to give it back the way some have given to me in the past few months. No matter what I will be giving giving giving and I cannot wait!
I am currently short of $30,000 to buy a house.
I am getting married soon and we are not having any wedding to save cost but still, it costs us some money.
We’re really in need of funds to purchase a house so that we can move in as soon as we’re legally married cause we have to move out of our rental place soon.
We would really appreciate if everyone can help out abit each. I’m not kidding. This is super stressful as we could not even get a loan.
Please do share and help out.