Begging Money

Financial Hardship Help

Last Updated:

Never take anything for Granted

I’m 51 years old, married with three children aged between 11- 19 years old.

In 2019, my wife and I made the very hard decision to place our manufacturing business into Voluntary Administration and eventually the company was found not to be viable and was liquidated.

The company was a long-standing family business, founded by my father then passed onto my brother. In 2014, I was made redundant in my Public Service job and after taking several months off work I took up the opportunity to work for the family business which was then owned by my brother. After 12 months working there, my brother decided he wanted out and offered me to buy the business. If he could not find a buyer by end of that year, he was going to close the business. I was keen to keep it going as it had a great reputation and, I felt this urge to continue the business in honour. However, without doing my due diligence properly and to save on money I relayed heavily on what was given to me by the company’s accountant and financial adviser. In turn this was the biggest mistake I ever made.

I proceeded with the purchase, and as I had very little assets, I borrowed heavily against one of my parents’ investment properties. After 12 months operating the business, it was obvious that business was not profitable as it was made out to be. Despite cutting back on many areas, I was by that stage losing heavily but the accountant who was the same as my brother’s, continued to advise me that all is well. By middle of the second year, I had accrued more debt and struggled to pay bills to suppliers within the agreed payment terms. I was then hit with a tax bill, which I arranged to pay on a payment plan. But this stage the accountant was not returning my calls and when he did, so he was full of ideas to deal with the issue. One of the ideas to assist with cash flow was to charge customer a higher deposit amount.  At first it seemed a good idea, but all it did was allow me to pay the back log of bills and eventually that caused further issues.

By the third year owning the business, I had accrued a massive tax debt, I had accounts placed on hold and struggled to pay staff wages. It was May 2019, I went into a deep and dark depression resulting in attempting to take my life. During this whole time, I had not openly told my wife about the financial issues of the business until I was admitted into a mental health facility. By then it was too late to sae the business, but my wife stuck by me and help me go through the hardest days of my life.  By August that year we had lost everything but managed to hold onto the house however it was only due to taking out a high interest loan. We were about 6 months in front with our repayments which gave us time to find new jobs and try to refinance the loan. Unfortunately, due to the business failure, and as the sole director of the company, I incurred debt from the business which forced me to go into bankruptcy which I currently have 2 ½ years left to go.

The events of the past 2 years since losing the business had a massive impact on my direct and extended family. Due to my mental state at the time, I was very angry, constantly crying and fell into a deeper depression than before. This behaviour caused so much harm on my two younger children to a point where my youngest started self-harming. Today, with amazing help from various support groups we are still trying to manage their mental wellbeing. Fortunately, following my own hospitalisation earlier allowed me to set up strong support groups and people to carry me through, but my struggles are constant and I’m just operating on a day-to-day basis.

Two years on, the experience has been one that I would never wish upon anyone even those who I class as distant associates. I have had three jobs since Sept 2019, all short-term contracts. Due to the high mortgage repayments I’m pressured to find jobs that are highly paid. My wife struggled to secure long-term jobs eventually finding one at a mush lower pay scale. That has caused me further pressure to pursue high paid work. Unfortunately, with the current pandemic weeping the world and the financial pressures placed on employers high paying opportunities have been hard to come by. Each time my contact was up for renewal, the remuneration was renegotiated at lesser value. Due to the limited options available I would accept each contract hoping to secure a permanent long-term role. This has also forced me to find parttime / casual work which has not been any easy task. The only option available was to take up a role driving taxis which is remunerated by 50% of the shift takings. Usual shift 12 hours at a time which I do from Friday night to Sunday night.

Unfortunately, with my salary decreasing, it is becoming more difficult to maintain my mortgage repayments. We are currently 2 months in arrears. Refinancing is not an option due to my bankruptcy situation and even though selling the home in the currently environment, finding a rental property to accommodate the family has become very difficult with many families on waiting lists.

Our current lender is pressuring us to bring the account to order or face legal action to force the sale of the home. We have explored all options including requesting hep from family & friends. We are now desperate to keep the home as we know this option provides stability that is so much needed for the family especially with the kids schooling and moving to a new house would most likely set back all the hard work over the past two with keeping the family together.

This is where I’m begging for financial help. I propose that if we can have our monthly mortgage repayments covered for 12 months plus paying off the arrears, it would provide a huge relief and ample time for me to focus on securing a permanent job. Having job security will eventually enable us to be in a strong position to refinance our loan to more affordable one.

As a hard-working family, who has paid taxes and never been on unemployment benefits or being a recipient of an already overloaded social security system, I hope my proposal for financial assistance is warranted which will provide me hope that there is light at the end of this tunnel of life.

Target is $55,000 AUS Dollars.

https://www.paypal.com/donate?business=CR82AUQCRETBL&no_recurring=0&currency_code=AUD

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Love of my life

Hi,

First I would like to thank you for looking into my Post.
I am very ashamed to ask for money, but I don't think I have any other option.
I am a healthy, strong man. I have health and strength, which is all I need to earn money on my own. 
All I don't have is time ...
I am in a very difficult situation.
I come from Poland, I work in the UK due to the difficult earning conditions in my home country.
I am a very emotional and family man. I have been in the UK for over 6 years now and during this time I have been seeing my family only 20 days a year.
This is my entire available holiday from work, 20 days per year.
I miss them so much, but I need to earn money to buy a house. 
I met a beautiful woman from Lithuania here - Martyna. Love of my life.This is the main reason why I am asking for help.
As I said, I have been in the UK for over 6 years.
We've been together for about 4 years.
Due to her difficult situation in the family (Sick Mother), she had to return to her country earlier.
But I have to stay here and work to get the right amount of money.
And God knows, I would have earned the money myself. If it weren't for the time that passes between my fingers.
Time is running out because I know that Martyna has to wait for me, and I don't want our relationship to fall apart because of the distance. I wouldn't survive it.
Also when every time I return to Poland for my holiday I see how quickly my beloved mother is getting old. (62)
She has no one who can really help her.
I am the youngest of the siblings.
The oldest is my sister (38) who lives in Poland with her husband and wonderful children, for whom I also miss so much. Another one is my brother (35) and I am the youngest (26).
About 2 years ago there was a tragedy in my family due to my father's alcohol addiction and my brother's drug addiction.
My poor mother asked them many times to find a job and quit their addictions, but they did not listen. 
She herself worked and maintained the entire house. 
Every time I came back to Holiday I talked to them and asked that they would change. I've tried many ways, all for nothing.
It came to a point when my brother raised his hand to my Mother. Then it only got worse. Police arrivals did not help. I was too far to be able to do anything. And I couldn't leave my Job. 
My sister asked my mother to file a life-threatening case in court.
With many efforts, they managed to throw my brother into prison, because it was him - a strong man who posed the greatest threat.
A few days after that, my father almost killed my mother. Luckily, he was drunk and she barely managed to escape.
She ran away and in shock, called my sister, and she called the police.
They're both in jail now, but my brother, a maniac full of hate, will be leaving soon.
That's why I have to be permanently in Poland to take her from there and buy a new house. This is another reason why I don't have time.
These are three reasons why I need the rest of the money to buy a house. Because part of the sum that is needed for this I have already earned.
I think about £ 10k left, I beg for help.
I'm running out of time and my love is alone in Lithuania, waiting for me. And my dear Mother is waiting for me in Poland, before this maniac is released. 
Our plan is to buy a house in Poland, where I can take my Love Martyna and my Mother.

Thank you with all my heart

Peter

paypal.me/Peter199402

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Looking for help with mortgage

Hello,

I’m sure this story is all too common considering the past year and a half. My wife and I moved into a new home with our two children in December 2019, shortly before the pandemic hit. We were both fairly new at our respective jobs, having only been there a couple years. My wife was lucky since she was a teacher, and didn’t lose her job. I wasn’t as lucky. I work in an engineering field but our customers dropped most of our contracts due to covid and staff got cut. I was faced with a decision, either lose my job or face a substantial pay cut. I took the pay cut as the thought of not having a job at all was terrifying since we now had a fresh mortgage to pay.

Anyone who is a teacher or is married to a teacher knows that sometimes the summer can be rough financially. My wife didn’t have an option to receive paychecks over the summer, and even with the best budgeting July and August were always tight, so she would very often take on as much summer school or other activities offered by her district to make up the difference. Due to covid, she hasn’t been able to do that last year or this year, which was yet another hit to our income.

We were able to manage for a while, but me going from making nearly 50% more than my wife to making less than her was just not sustainable to keep our house. I started taking on small jobs where I could but it just hasn’t been enough. We ended up burning through pretty much all our savings but finally had some light at the end of the tunnel. My work was going to start upping salaries again as contracts had almost returned to pre-pandemic levels. That won’t start until September, so I’m just trying to find some way to hold us over until then when we should be good.

If anyone has the heart to spare whatever you can to help out, I cannot possibly express how grateful I would be. The past year and a half has been incredibly difficult for the whole world, and I’m looking forward to the near future where it seems like things might finally be a little more normal. We just need a few hundred dollars, but I can’t find any other work to make that up and I’m not allowed to take on any more overtime, so I’m here. Even if you don’t have the ability or desire to help, thank you for taking the time to read this.

Giuseppe

https://paypal.me/GiuseppePassucci?locale.x=en_US

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Not being able tp pay off my mortgage is preventing me from being able to retire

 

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I am 66 years old, and I was looking forward to retiring but paying off my current mortgage has proven to be more challenging than anticipated. Paying $744.03  for a mortgage and property taxes is more than my wife, and I would be able to afford.  My monthly social security income is $1,377.00. My wife, who, too, looks forward to retiring in four years when she turns 66, monthly social security income will be less than mine. However, if our mortgage was paid off, we still wouldn’t have a lot of money, but only paying $312.00 monthly for property taxes would be enough to allow us to still enjoy some of the more simple pleasures of life with family and friends and each other.

Giving my all working five days a week in a manufactory environment has taken its toll on me. As a result, I am becoming more forgetful, and I’m taking medication for depression. I have had one heart attack, successfully treated for prostate cancer, pneumonia. I am currently holding my own despite living with a slow gut, overactive bladder, daily fatigue, and insomnia.

I belong to no organization. However, I mentor young men and women every chance I get. Therefore, I would like to volunteer more of my time to helping steer our youth away from the streets and a better productive future.

My experiences in life have taught me that the most common thing that stands in our way is the fear of failure. If young people could learn to overcome their fears, they could gain the trust and courage to face life’s challenges with a positive attitude and integrity.

How, is the beginning of learning and the beginning of the downfall. Young people’s approach to how is often merely imaging achieving their goals. Left out is the knowledge of how to actually accomplish them. Today knowledge is plentiful, and it is everywhere. But how does one decide who to listen to? And here is where doing your homework really pays off. Learning how to ask the right questions is vital.  A young friend may be a good companion, but trusting them with your life choices can be pretty foolish when needed is someone with the knowledge and experience to help you succeed in life. That is only part of what I would like to teach young people, and with your help, I can.

Sincerely,

Joseph Sullins

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Please Help Me Not Lose My Grandmother’s House

My grandmother passed away in October 2020. My grandmother had two things in her Will 1) that she wanted to be cremated and 2) that her home is to be sold to me and the proceeds were to be divided amongst her children. My grandmother was a second mother to me. She was instrumental in raising me as I grew up living in her home.
In 2015, while living as an adult on my own, at my grandmothers’ request, I left my home and moved in with her to provide companionship and help attend to her needs. As she had gotten up in age, it was no longer in her best interest for her to live alone. In mid-20199, my grandmother had asked if I would purchase her house. I did not hesitate to say ‘YES’ because I would have done anything for my grandmother, and her house has sentimental value to me. My grandmother’s house is where I was raised and where I have lived for the past four years (at that time), now almost seven years. The initial plan was for me to purchase my grandmothers’ house while she continued to live in the house with me. Me buying the home would have created an added benefit of giving my grandmother additional finances to live a little carefree during her golden year.
The sale of my grandmothers’ home is being handled through the Estate. Half of my grandmother’s estate beneficiaries fully support my grandmother’s wishes for me to purchase the house, while the other half are in opposition simply because the house is being sold to ME. Their issue is not with the house being sold; all of the beneficiaries are in favor of that. Half of the beneficiaries simply don’t like that the house is being sold to ME, despite my grandmothers’ wishes. They have taken a stance of hate and jealousy. They act as if I am getting something for nothing when in fact, I am purchasing the home for the full appraisal value as my grandmother had asked. The proceeds from the sale of the house will be divided equally amongst the beneficiaries of the Estate. In case anyone is wondering, I am not one of those beneficiaries. The beneficiaries are all my grandmothers’ children.
If I cannot come up with all the funds needed, I will lose my grandmothers’ house as it will be sold outside of the family. As I have stated, the beneficiaries are all in agreement with the house being sold. It’s extremely sad that some would rather see the house sold to a stranger than to see me purchase it…something I will never understand. We were once a very close-knit family, and now we are divided. I have heard stories over the years about how the death of a family member will cause rifts within a family, especially when it is the family matriarch. I never thought this would happen to my family. All my grandmother’s estate beneficiaries were aware of my grandmothers’ ask for me to buy her house and that the plan was for her to continue living in the house with me. They made no grips about me bearing the brunt of tending to my grandmother’s care while she was living. They made no grips about her request while living, yet they choose to disrespect her wishes in death.
The process of trying to purchase my grandmothers’ home has been very lengthy and stressful. My assigned Loan Officer and Credit Consultant through my Lender assured me that I and the property met all the guidelines for one type of loan. They counseled me on what steps to take, I did everything as advised only for them to come back and tell me that I was not approved through underwriting. My Loan Officer was able to get me approval for a different type of loan; however, the loan comes with a higher down payment and significantly higher closing costs. I am unprepared and blindsided by this. While I am blessed and fortunate to have maintained employment during COVID, I was hit with a significant salary reduction which hindered my ability to save more than I already had.
My hope is that I will secure the funds needed to purchase my grandmothers’ house and that, in time, it will serve as a bridge to bring my family back together.

paypal.me/LeahBrooks

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Help us keep our home

We desperately need help paying our bills. My husband and I have been together since 9/2007 and married since 9/2016 and have been through a lot together.

This is most definitely very difficult to ask for help like this but we literally have no other options. Before the pandemic made its stride my husband had just purchased a truck and flatbed trailer for a hotshot business he wanted to start. He had everything ready except the required insurance because of the changing rates. Because of the pandemic, my husband James was not able to start his own business as a hotshot driver due to the severely high insurance premiums required for the business to move forward. Since we could not afford the $30k+ insurance premium, that business never made it off the ground. While he had a job still with Safelite as an Autoglass technician for more than 5 years, he was soon furloughed after hours had been severely cut back. He was brought back about a month later but had plans for starting his own Autoglass repair company since we now had a very large truck note for a truck that was meant for the hotshot business and too expensive to sell without being severely upside down on the loan. So he started his own Autoglass business. While the company started off and he had customers, it was not enough to help keep our bills and expenses fully paid and where they should be due to all the start up costs. Another hit on the business success was the pandemic’s effects on access to autoglass itself. Since a lot of businesses were not considered essential, they were not producing their products. Unfortunately, glass in general was one of those non-essentials. Since it wasn’t considered essential, glass factories slowed down or stoped production all together due to the COVID-19 pandemic. On top of the glass factory closures, the vaccine rollout also caused a massive need for glass to produce the vials for the vaccine. If that wasn’t already enough, another issue to make it harder to obtain Autoglass was that the large corporations in the autoglass industry purchased all the autoglass inventory they could, basically rendering small businesses unable to obtain any for their customers and keep their business afloat.

Because of this, we had no other choice but to rely heavily on credit cards which quickly filled up during 2020. While my job working at a solar company seemed to pick up during the pandemic, my pay still did not amount to nearly enough to cover all of our bills. With our credit cards fully maxed out, the business not able to bring in income due to lack of obtaining Autoglass for his customers, not qualifying for unemployment or any financial assistance, among other things, we have fallen very behind on our bills and at risk for severe action from the lenders and could lose our home. Most expensive bills being the mortgage for our home and the truck note.

I hate asking for help but we truly need it. I don’t know what else we can do, as we are already thousands behind and cannot afford to take on another loan to pay for these loans that are behind (if we are even approved!)

I hate to keep saying it over and over, but pre-pandemic we were on the way to clearing up debts and working towards starting our own business. It’s so disheartening to look how far we came to eliminating credit cards and other debts to have to max them out all over again just to survive and to be in even more debt than before. For the past year I have struggled to balance working full-time, helping support my husband in his dreams of owning his own business after his previous job continued to treat him like garbage, keeping our bills paid to the best of my ability, and staying mentally there with all that was going on around me. We have been so stressed out with this and see no other options to keep us from losing all that we’ve worked hard for.

I fully understand that things could be a lot worse and in no way do I think we are more deserving than someone else with a lot more going on, but we need help. Anything truly helps and is very much appreciated! If you were to ask anyone who knows me, I rarely (if ever) ask for help and it’s really hard for me to do so. Anything you can do to help is so truly appreciated more than any “thank you” could emphasize.

Please help us keep our home and the vehicle needed for the business!

*Breakdowns:
-Mortgage is normally $1064 but our insurance premium went up making our monthly payments around $1275.
-Truck note is $940 (heavy duty truck meant for hauling large loads) *unable to refinance because too much is owed
-Both behind 3 months, almost 4

 

Paypal:
https://www.paypal.me/Pinkcrustedroses

 

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Help me save my house

Snapchat-1218763408.jpgHello, I am not usually one to ask for help but at this point I am desperate. I have held up my bills throughout the pandemic and recently got hit pretty hard with house repairs, car repairs and medical debt. My credit cards are maxed out, my car is unfixable(long term) so I am looking at having to replace it very soon before the school year begins late August. I am pretty far behind on my house payments due to these unexpected costs. I have two children and no family within 100 miles. The total cost to balance out my finances is exactly $5,127.48. Any amount would help. I am trying so hard to keep my boys in their home..please help me..

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Stubborn Mom on her knees

As I sit here watching my youngest (9 year old daughter) in physical therapy for her knee I realize how lucky I am.

I am a 41 year old (stubborn ass) woman who has worked hard since I was 15, moved out at 18 and never looked back.

I have 2 children 12 & 9. I was lucky enough to be deemed essential through this pandemic which really means my $18 hour job is needed enough for me to come in during a lockdown but not necessary enough to pay me at least 40k a year.

With that said, I AM STILL lucky. I have a job which I enjoy in medical billing and I have insurance which pays for this therapy my  daughter needs (after deductible and with a copay each time, of course) I’m lucky to have a job, the insurance and all the middle class perks. But that’s just it. Middle class is barley getting me by. I’m struggling day by day and providing things for my family is becoming harder and harder. I work 2 other jobs on the side in direct sales and those sales have tanked in the last few months.

I’ll go back to the part where I’m stubborn and never ask for help. To do something like this was never on my radar. I truly believe there is good in this world and when you put it out there you eventually get it back.

I’m hoping in my 41 years I’ve put enough good in the world for good to come back at me and help me pay my house bills this month.

My favorite quote: “I’m not all holy water and I’m not all Jim Beam- I’m somewhere in between.”

PayPal: @Nailology

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Home

Hi my name Shannon and I’m asking for money to help my daughter, Taylor and I to have a home to call our own. We had a good life, married, a home, family. In 2012 that all came crashing down. My husband passed away from a heart attack at the age of 42, our daughter was 12. I was grieving for the loss of my husband, when our house caught fire in October of the same year. I was at a loss, I pretty much emotionally checked out. I was standing on our lawn looking at the destruction and just numb, I stayed that way for years.

Just when things start to have a bit of light, my son dies from a sudden illness, I spent nights in the hospital hoping he would pull through, he didn’t. I stood there helpless watching my child die. The turmoil, the grief, I have no words. The pain will never go away.

Now, I thought what more can happen, let me tell you. In June of 2016, I was diagnosed with stage 3  Carcinoid tumors. I had 2 surgeries, they said hope got it all, so far so good.

My daughter and I been through a lot of struggles, but we are still trying.

We are asking for money so we can buy a home. We want a place where we can have peace. We are looking in the foothills, preferably Georgetown, CA. We will have some land where we can sit on our porch and just enjoy (something we been missing) the quiet around us.

We both have jobs and been working on our credit and saving a bit of money, but we don’t have enough saved.

We are currently staying with a friend, have been for a while so our only belongings fit into one bedroom we share.

Please help us reach our goal of having our own place.

https://paypal.me/Shannoncerar?locale.x=en_US

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Need help getting started on buying my first home

In 2017, I lost my mother, the first person I’ve ever lost in my life. 2 years later, my husband of 10 years left me and I was no longer allowed to see my step-daughter that I have loved and cared for since she was 6 months old, only to be told that I could no longer love her or see her, that I wasn’t good enough to be her stepmother. The marriage itself was a roller coaster of good and bad and the divorce was 10 times worse and absolutely destroyed me mentally. I was diagnosed with severe bipolar, PTSD, agoraphobia and insomnia. My husband who left me for another woman left me with no place to live, no money, nothing but a head full of mental issues and more debts than I could handle.
Those mental illnesses prevented me from functioning properly, or holding a job and I could no longer socialize. I got to the point to where I couldn’t leave home for more than an hour without a panic attack and that’s if I was even able to get out the door without a 4 hour complete mental meltdown. I fell so far behind financially that I wasn’t sure how I was going to support myself. I lived in an RV with my dog, Kiwi, who I wouldn’t have made it without her and one other person. I was barely able to make ends meet. So many days Kiwi and I went hungry because I couldn’t work to feed us.
Then Hurricane Laura came and destroyed my best friend’s home as well as so many others. So I sold my best friend my camper for a very low dollar. I needed the money and she needed a home. Which put me in a complicated living situation, leaving Kiwi and I car sleeping and couch hopping. We haven’t been in a safe, secure home since we left our camper. I’m too scared to leave Kiwi with anyone, she was attacked by a little bull last time I did that and she almost didn’t make it. My dog is my psychiatric support animal. I can barely function without her, I would be an absolute mess if I lost her so I know I have to do something to get us a safe place to call our own.
I’ve seen a few doctors since and am now on medication. I’m now able to work again with limited hours and limited income and its just not enough to get me where I need to be to reach my goal.
I’m a single woman and am now trying to buy my first home to give myself and my pup a solid, secure, permanent place to call home. But in order to do so, I must raise my credit score. I’ve been working on it myself for 2 years now and it seem like I’m never gonna get ahead. I work 3 jobs and babysit my niece to make funds but it’s just not enough to pay my bills and get that lump sum to pay off debts. All my debts total up to around $2500. Once I pay those off, score goes up and I can get approved for a mortgage loan.
I’m just having trouble getting a loan with my credit score the way it is. It’s close but not high enough. I’m looking for an individual that is willing to help me with a personal loan of $2000-2500. I’m not asking for freebies or the entire upfront cost on a house, just a little help to get my foot in the door. I’m willing to set up a payment plan or work off the debt. Getting all of my debts into one loan is going to bring me that much closer to accomplishing my goals. Any little bit will help me and I’m definitely open to suggestions on repairing my credit.

Thank you for your time.

 

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Help me get away from my Mother in Law

Hello,

I am asking for Any financial help in regards to getting away from my MIL as fast as possible. I am eight month pregnant with my first child and me and my husband are living in her house.

She wants to be in charge of everything, including taking away my son with her, so she can raise him as she wants. We can not say anything to her, as the house that we are living in is hers. When we told her that the child will not be named after her or her husband, she got really mad and from then on, she keeps nagging that we change the name.

She comes everyday to the house, inspecting if we are keeping it clean and neat (we are, when I know she is coming over, I get PTSD from her past visits and clean every possible thing, even when pregnant). The last time she came over, she noted that it is not clean behind the fridge. I can not move it alone to clean there and my husband is at work the whole day. I am keeping the house clean, but I feel that nothing is enough for her.

I am asking for money so we can move out as fast and far away as possible. The bank is rejecting me any loan, as I am on maternity leave and my husband is already 500 000$ in debt due to his father bussiness.

I have chosen and apartment for me, my husband and the baby, but it costs 50k that we currently do not have. I am trying to find any side job that I can do, so we can collect the money and get the apartment. An elderly couple is selling it, so we would have to make entire renovation to it, but it is not our first concern. The first thing that we have to do is get away from our current house, as the stress that I am experiencing is enormous and I don’t want to expose the baby to it anymore.

The elderly couple is okay with us to pay for the apartment in several instalments and I am hoping that I can get them from my maternity pay, from any donations and from help from my family and friends.

I am attaching a picture of the room that will be the baby room once renovated.

Any help is appreciated, I will give any updates when I can. I am hoping to get the money before the baby is born.

 

https://www.paypal.com/donate?hosted_button_id=EMV8TV3CCDV3L

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Help a young girl drowning in bills.

Hello,

    I’ll start off with telling you a little about myself before I get into why I’m in need of help. I’m 22 years old, I have 2 beautiful pups that keep me motivated. I grew up in and out of different homes due to my parents being drug addicts and not having custody over myself and siblings. My father passed away when I was 7 just leaving me with my mom and step dad. My step dad is currently in prison for 17 years and my mom is still struggling with her addiction. At the age of 10 I was abused by my aunt’s husband, physically and sexually. I was brave enough to come forward and get myself and my siblings out of the situation. We then moved in without Grandmother, she was the best thing to ever happen to us. I decided to start taking care of myself when I was 18, moving out on my own and taking on a list of responsibilities no one had prepared me for. I struggled for a long time trying to figure out how to budget myself. 

    I’ve always been one to hold a job and work hard at my job. I’ve currently been working a full time position at the same company for the last 3 years, unfortunately due to covid our hours have been cut. I’ve found myself once again drowning in bills. I try my hardest to catch up only to have one more thing go wrong in my life. I have recently had a few deaths in the family causing me to miss work for the funerals. Here is a list of all of my bills and the amounts due. Mortgage- $903.74, Car payment- $340, Electric bill- $460.86, Water bill- $200, Cell phone- $500. Trying hard to pay my mortgage first as I don’t want to lose my house and be homeless.  I’m currently living off of ramen noodles to try and be able to pay off my bills, I slowly make payment on them when I can. 

    I really appreciate you taking the time to read about me and what I need some help with. I’d like to thank anyone in advance for helping me get back on my feet. Your kindness and graciousness will never be forgotten. You’ve given a young person a second chance at being able to make it in this harsh world.

 

Sincerely,

A young girl trying to get back on her feet

https://paypal.me/haileyb1399?locale.x=en_US

Last Updated:

Desperate and Disabled

Hi everyone!

I have never done anything like this before, but desperate times call for desperate measures! My name is Kayti, I’m 34 years old and am currently in a horrible situation, physically, emotionally and financially.

Here’s some of my background and how I have landed in this situation. My husband and I were married in 2016, and up to then I had a healthy, mostly happy life. Due to our age, my husband and I started trying to have a family right away. After a year past with no pregnancies or miscarriages, we decided that we probably needed some medical help. After getting the initial tests at our family doctor, everything looked normal, from the vaginal ultrasounds to the semen count. I was referred to a gynecologist that proscribed me with pills to help me ovulate and was told that usually ” fixes” the problem. After taking those pills for 3-4 months with no pregnancy the gynecologist sent us to a fertility clinic. Because everything looked good on my husbands side, the fertility clinic focused on me. After following their instructions and having another in detailed cervical exam we were told that I had an irregularly small amount of eggs left at my age. They had suggested the medication that I was already previously on. I had done a few blood tests with them and after a few appointments we were told that at this point, if we had any hope of getting pregnant we would have to go the IVF route because we were not going to get pregnant naturally.

This brings us to late 2017. At this point after getting that news I was devastated. The only thing I ever wanted in my life was to have a baby of my own. Because of the cost and small window we had, IVF wasnt an option for us. I would never have a biological baby of my own. This brought me down to a dangerously low depression. I didn’t feel like I had any meaning I  my life. At points, I was suicidal, because I felt my true purpose was taken away from me. I started drinking wine almost daily. It got so bad that I was drinking a box of wine ever week (basically a bottle of wine to myself everyday). It was the only thing that slightly helped me numb the pain.

After 2 years of a deep depression, and 30lbs over my comfortable weight, I decided I needed a change. I thought 2019 things were going to change for the better. I have worked for a large corporation since I was 15 years old, and thought maybe if I focused on helping others and working the latter at work to feel a sense of purpose. I started in a leadership role at work, and was starting to feel a little bit better. After a year in the leadership role that only paid 1 dollar an hour extra with tons of responsibility and stress, I requested to step down to my regular role. I was told to keep my mouth shut, put my head down, go back to my regular role, and we’ll let you know soon whether you can keep your job or not in a week or 2.

That frustrated me beyond relief after being at the same company for over 15 years, but health wise the stress was too much. I have a disease called menieres disease and was told by my specialist that year that stress makes my vertigo worse, and that I may ultimately lose my hearing. You know how when people say ” dont stress it will make it worse!”..well it does but its easier said than done. I continued working in my regular role, nonetheless, hoping that I could just get by.

Feb 2020 things started to get worse. My depression was out of control, I was starting to have horrible anxiety attacks, and was diagnosed with another disease called Rayauds. It gives my hands and feet stabbing pain, especially in the cold, and I live in Canada. I was told by many doctors to ” move to a warmer climate ” and the pain wouldnt be so bad. But unfortunately, I work at a customer service job, and I would be lying if I said I was paid well.

Mid Feb 2020 I went out with my parents for lunch. I sat down in a both and kind of jumped out of my skin saying ” OUCH!”. my mother asked if I hit my funny bone or something. I said I just had this radiating pain in my pain. I tried to walk to off and got up from the both, and that’s when I experienced the worse pain I have ever had in my life. I couldnt even walk. My sister carried me to the car and took me to the hospital. After explaining my pain symptoms the triage nurse said ” oh my good, your having a sciatica attack! And I’m telling you, I have birth with no epidural and I have had sciatica, I’d rather give birth anyway over that!”

 

After getting multiple bags of morphine in the ER I was sent home and told to rest for 2 weeks. I have never been the same since that day! My life has been thrown upside down. I have seen multiple specialist and surgeons, and I have not got relief yet. Some days I can walk with a cane, some days I get. I’ve tried chiropractic care, opioids, physiotherapy, and am going to the pain clinic weekly for injections.

 

Because I have been off work for quite some time, the insurance company that my work deals with are trying to make me go back to work. I try to make them understand that I’m in agony physically and mentally. I try to tell them I’m waiting to see my next specialist. I tell them that I cant live independently, and without my husband to bath, cook, clean, do laundry, drive me to appointments I would be on the street by now. I havent been paid in over 2 months now. The problem is, unfortunately personal support workers dont the make great money that they should!

So, I am writing for help. We are at the tipping point of making it, or breaking it. We are going to lose our house. We are going to lose our car, we are going to lose everything. I’m heartbroken and distraught. I have been a hardworking person my entire life. Unfortunately, it seems every door of hope or opportunity seems to slam in my face. If you are someone that took the time to read my story, thank you! I very much appreciate you just giving me the time to tell my story. If you are someone who can help, whether its 2 dollars or 10, everything helps!

Again thank you for your time!

Kayti

paypal.me/helpkayti

 

 

 

Last Updated:

Tiny House On Wheels

My name is Betty Ortiz and I’m asking for your assistance to keep me from being houseless. I’m disabled from a truck accident back in 1998. I broke my back, lacerated my liver, ruptured my spleen and T4 had slipped out 75% and was sitting on my spinal cord. I recovered and worked until I no longer could in 2016. I am on Social Security Disability but it is not enough for me to be able to rent an apartment because of income requirements. I am requesting $30,000 to help me build a Tiny House On Wheels (THOW). This will help me to not have to worry about not having enough money to pay rent, mortgage. I am enclosing a couple of pictures of a house I saw just to give you an idea of what one looks like. I hope my email will find you and I am chosen to receive your assistance.

Thank you for your kindness and generosity.

Betty Ortiz

PayPal.me/bortiz1970