Hey yall!

We are your typical mid 30’s family that has been working their tails off through this COVID pandemic just to make ends meet.

I (Joseph) am in medical sales and have been with my company for the past year and a half and had everything on the up and up until March of 2020 when sales essentially stopped due to the pandemic. I was making strides and growing my business with the expectations of not just being able to pay the bills but begin to start saving for my family’s future. Unfortunately, once COVID hit, hospitals shut their doors to reps and sales came to a halt even though the bills didn’t stop.

We ended up putting our mortgage on a forbearance program for 4 months that was meant to save us some money at the time but later learned (once it was time to start paying again), that all it did was increase our mortgage payment by nearly $800 per month until it was paid back down. This wasn’t what I thought (bumping back the loan completion date) and is completely on me for not reading the fine print before signing the dotted line. In turn, we have been carrying a negative balance in our bank account for the past 4 months and hoping to find the light at the end of the tunnel.

Corrie (my bride in the pic) has been doing all she can to make ends meet as well. She was enrolled in pre-nursing prior to COVID but ended up needing to withdraw due to our boys coming home for schooling and the cost of school. Our hope is that she will be able to re-enroll for the spring 2021 semester and finish her final 2 classes before going into full-time nursing school but with the questions surrounding our boys being in school and whether or not my work will pick back up with all of the regulations, we just don’t know.

Our ask is this: Please help with the last few mortgage payments on the “forbearance” plan so that we can get ourselves out of a negative account balance and move forward with our lives. Even if we aren’t able to begin saving money, we will stop losing money to overdraft fees and loan payments that we have acquired over the past 6 months.

Thank you for your consideration in helping us get out of the valley and back on level ground.

   Hello,

  My name is Angelique M. Venable. I’m 40 years old. A mother of seven and a wife to an amazing man. Life has never been simply or easy for us.

   I’m the sole provider for our family financially. Hard work is all I know. I’ve been a USPS carrier for 16 years now. I work seven days a week. Financially I have no choice. We live pay check to pay check. I work as much as I can to save as much as we can. But with every day that passes. It just gets longer and harder.

        About 10 years ago we moved into our home. My daughter was born there. And that’s where my blended family became a family. It’s my home. It’s my heart.

       At first we were renters. The owner was a marine. That was stationed overseas. After a year we decided to buy. And the homeowner agreed to the sale. We decided that after the birth of my daughter. We would proceed with the purchase of the house.

   When my daughter was born she was perfect in every way. Within hours after her birth. My daughter began seizing. Doctors were unable get her to stop. And she was med evacuated by helicopter to a neonatal unit. About a hour away.     It would be 5 months before I can bring my little girl home.

     The next two years was a life of endless hospital visits, doctors, and many hospitals bills. We had good insurance. But insurance don’t pay all. And the proceedings with the purchase of our home. Had to be delayed.

  The home owner was very understanding. And was willing to work with us. We came to a mutual agreement with a rent to own. Until our daughter was well. And we financially got right again. It took us some time. But we did.

   And this is why I’m writing to you all today.After many years of paying our medical debt off. My husband and I were ready to move forward with the purchase of our home.  We were excited.To say the least.

    After a couple phone calls with the property owner. And a few visits with our bank. We were days away of owning our home.

    On a Friday I received a title released form from my bank. My loan officer needed the home owner to sign it. Before they would release the check to his mortgage company.

Left a message with the homeowner Friday afternoon. With no response And throughout the weekend. I tried again  Monday morning before work. Still no communication.           

   By the time I got home that Monday afternoon. I had two certify notifications in my mailbox. Accompanied by two regular letters of eviction. I was I disbelief.             Home owner did not answer any communications from me.   

   By the next day a real estate agent was in contacted me on his behalf.    Informing me that I had thirty days to vacate the premises. Come to find out. That the  real estate agent had offered to buy the house for more.

Greed is one ugly sin.      

So after numerous threats of eviction. We had to seek council.          

   A year later and thousands spent in litigation. We are able to buy. And only have to pay what is owed on the house.

  Things never work out the way you expect them to go.

And Something always goes wrong. Or someone will cross you unexpectedly. And there you are Again. Stuck and starting over Again.

  I pray every night for a that I’ll get break.

I don’t want to stuck again. And start all over. I want to have more time in my home with my family. Maybe catch break. And for once have no worries.

    We owe 105,000.00 on the house. I asked you to donate to purchase of our home. Thank you for taking the time to read my story. Hopefully my prayers will be answered.

    Best wishes to all and thank you.

Angelique M. Venable
paypal.me/angeliquevenable

 

Hello,

My name is Angelique M. Venable. I’m 40 years old. A mother of seven and a wife to an amazing man. Life has never been simply or easy for us.
I’m the sole provider for our family financially. Hard work is all I know. I’ve been a USPS carrier for 16 years now. I work seven days a week. Financially I have no choice. We live pay check to pay check. I work as much as I can to save as much as we can. But with every day that passes. It just gets longer and harder.
About 10 years ago we moved into our home. My daughter was born there. And that’s where my blended family became a family. It’s my home. It’s my heart.
At first we were renters. The owner was a marine. That was stationed overseas. After a year we decided to buy. And the homeowner agreed to the sale. We decided that after the birth of my daughter. We would proceed with the purchase of the house.
When my daughter was born she was perfect in every way. Within hours after her birth. My daughter began seizing. Doctors were unable get her to stop. And she was med evacuated by helicopter to a neonatal unit. About a hour away.     It would be 5 months before I can bring my little girl home.
The next two years was a life of endless hospital visits, doctors, and many hospitals bills. We had good insurance. But insurance don’t pay all. And the proceedings with the purchase of our home. Had to be delayed.
The home owner was very understanding. And was willing to work with us. We came to a mutual agreement with a rent to own. Until our daughter was well. And we financially got right again. It took us some time. But we did.
And this is why I’m writing to you all today.After many years of paying our medical debt off. My husband and I were ready to move forward with the purchase of our home.  We were excited.To say the least.
After a couple phone calls with the property owner. And a few visits with our bank. We were days away of owning our home.
On a Friday I received a title released form from my bank. My loan officer needed the home owner to sign it. Before they would release the check to his mortgage company.
Left a message with the homeowner Friday afternoon. With no response And throughout the weekend. I tried again  Monday morning before work. Still no communication.
By the time I got home that Monday afternoon. I had two certify notifications in my mailbox. Accompanied by two regular letters of eviction. I was I disbelief.             Home owner did not answer any communications from me.
By the next day a real estate agent was in contacted me on his behalf.    Informing me that I had thirty days to vacate the premises. Come to find out. That the  real estate agent had offered to buy the house for more.
Greed is one ugly sin.
So after numerous threats of eviction. We had to seek council.
A year later and thousands spent in litigation. We are able to buy. And only have to pay what is owed on the house.

Things never work out the way you expect them to go.
And Something always goes wrong. Or someone will cross you unexpectedly. And there you are Again. Stuck and starting over Again.
I pray every night for a that I’ll get break.
I don’t want to stuck again. And start all over. I want to have more time in my home with my family. Maybe catch break. And for once have no worries.
We owe 105,000.00 on the house. I asked you to donate to purchase of our home. Thank you for taking the time to read my story. Hopefully my prayers will be answered.
Best wishes to all and thank you.

Angelique M. Venable

Hello! Thank you in advance for reading this.

I am a 37 year old, single parent, with two boys still at home. I am finding myself in the position of starting over for the second time in my life due to divorce. I have struggled through the years and had heartbreak same as everyone. I have worked hard, just finished my degree and finally have a decent job. I have worked even harder and luckily have no debt. However, I do not have any credit or enough savings to buy a home. Our family dream is to move out of our apartment and buy our own home. I would love nothing more than to give my children a secure base, an actual home. We are asking for donations to help us get into a home before Christmas! The home prices in our area range from 130,000 to 160,000 for the size we need. We are grateful for what we have now as we are lucky to have what we do. Thank you in advance for your generosity!

paypal.me/crochetQueen1415

 

I need help buying the house I grew up in. This property is the last remaining acreage of my paternal grandparents’ dairy farm that they started in the 1940s. It was once over 300 acres. Around the time my grandparents decided to downsize, my parents were married. My grandparents gifted them a small lot of land, about 6 acres.

My parents built their house – my childhood home – on the property in the late 1980s. I was only 4 when the house was built. Prior to this, my parents lived in an old trailer on the property.

It’s a lovely wooded parcel of land. I spent my days climbing trees, playing in the creek, just running wild thru the woods. My dad was an avid outdoorsman, so where he was, I was. It was always so apparent how much he loved the land. And I learned to love it too. He often spoke about the dairy farm he grew up on, and it was always so apparent how much it broke his heart that this was the remaining swath of land still belonging to the family.

Dad passed away at the end of May. (Here’s the obituary so you can see what a great guy he really was: https://bauerfuneral.com/viewObit.php?oID=2436) Some of my cousins from New York came to visit in mid-June. We were all at my sister, Jennifer’s, as my cousins were staying in the apartment above her garage.

At one point they went over to look at the neighbor’s house, which is for sale, and there was an open house. I didn’t think much about it… they’re the nosey type so I figured that was that.

Then next thing I know, Mom is talking about how great it would be to live there… starts talking about how she could sit on the back porch with Jennifer and drink wine, and how Jennifer’s kids could go over for sleepovers whenever they wanted, etc.

It really hurt me. A lot. I mean, Dad hadn’t even been buried for 3 weeks yet and here she was, talking about buying a house. Of course, everyone entertained her pipe dream, except me. I flat out told her I thought it was too soon.

It also brought up another conversation I had been wanting to have with her for AGES: Favoritism. For as long as I can remember, Jennifer has always been Mom’s favorite. I always thought it was just my perspective, but other people, my husband included, have pointed out how she really favors Jennifer over me… especially since my nephew was born (he’s 11).

So I told Mom how I felt and that I felt that if she moved, I’d get to see her even less than I do now. But she just changed the subject.

That was Saturday. My cousins left on Monday morning. I took the day off to go see them before they left. Jennifer asked if I’d stay with the kids for a few hours because she and Mom had some errands to run. So I stayed. It wasn’t really what I wanted to do, I had things to catch up on at my house, but I stayed and enjoyed some time with my nephew and niece.

Apparently, they went to the bank to talk about the house! I didn’t find out until TUESDAY when Jennifer sent me a text saying the neighbors didn’t accept their offer. I didn’t even know an offer had even been made! But whatever, offer declined. I didn’t think much more about it.

After that, Mom started to make a big push to get her house cleaned up. Dad had been a lifelong packrat. So Jennifer, her husband, my husband, and I have been going out to Mom’s on weekends to help her clean. And while I was there, Mom and I talked about different subcontractors I could get out to her house to fix up different things. I work for a general contractor so I have a good grasp on who is the best specialty contractor for each task. We talked about how the driveway needed new gravel. How the concrete on the front porch needed repointed. We talked about the patio she always wanted out back. She seemed to really like the idea of removing the old worn out carpet and replacing it with hardwood; something she had talked about for ages

Then one Sunday, Jennifer and I were in the one bedroom and she mentioned about wanting to clean out the one corner to stack boxes for “moving day” I asked her what she meant and when “moving day” was. Apparently, Mom is moving in August. They made a counteroffer on the neighbor’s house! And Jennifer just acted as if I should have known, etc.

I was so upset I couldn’t stay in there. So I went outside and sat on the side porch and just cried. Mom came out to show me something she found, and then asked me what was wrong.

I lost it. “WHY DIDN’T YOU TELL ME YOU WERE MOVING?” And all she could say is “I’m sorry, I thought you knew.” How am I supposed to know anything if no one tells me?

So I told her how I felt like I had been played a fool. Here I am cleaning her house and talking to subcontractors to get it fixed up FOR HER. When in reality, she’s moving. I told her about how I’ve always felt she’s favored Jennifer. And how I feel like I can’t compete. How I feel like I’ll hardly see her when she moves. She’s currently 10 miles from me, and I rarely see her. When she moves, she’ll be 30 miles from me. I even told her how I’ve always felt that any grandchildren I could possibly give her wouldn’t be as special as Jennifer’s kids. And again, she kept apologizing saying she thought I knew about the move. She ended up changing the subject again, so I politely found a reason to walk away.

And to further complicate this situation, during one of the weekends of cleaning Mom mentioned my Gram would be moving in with her. Again, I thought into her current house. But no, she’s moving my 92 year-old grandma away from me too. My Gram is one of the biggest influences on my life and one of the few people who I’ve always felt accepted me for me.

It’s just all a bigger hit than I feel I can handle right now. I’m just feeling so hurt and betrayed by both Mom and Jennifer. The lies and the secrets just make it all even worse. I can’t help but feel like if it hadn’t been for me picking up on the “moving day” comment I might not have found out she moved until after it happened.

So I mentioned how Jennifer was always Mom’s favorite. Well, I have another older sister, Heather. She’s the oldest of the 3 of us. She never amounted to much in her life, but somehow she was always Dad’s favorite. She could do no wrong. Despite her not having a job in decades and taking no responsibility for her lot in life, Dad snuck $40,000 out of his joint account with Mom and bought a house for Heather about 2 years ago. Yes, you read that right. He secretly bought a house without my Mom knowing. She didn’t know until about a year ago.

Dad was also a procrastinator his whole life. My paternal grandparents passed away in 2003 & 2012. He was an only child, so their house and all of their property went to him. However, he never settled their estate, so everything is a mess. However, Heather is claiming that their house belongs to her, as per their wishes. We have no proof of this, but there are back taxes due on the property, so Mom is basically just giving her the property.

 

So if you stop and think about it… If Mom’s new house is next door to Jennifer, when Mom passes, it goes to reason she will leave that property to Jennifer to add on to their current lot.

So if you’re keeping score on who gets property:

Heather – 2

Jennifer – 1

Emily – 0

I’ve asked my mom to find a way to retain her current property so I can have it. I can’t say it enough, I simply adore that land. But she’s insistent she has to sell it so she can afford the new house next to Jennifer. So I feel like she’s choosing Jennifer over me in the most ultimate way.

I’m really at a loss. I need to find a way to purchase the property from Mom as I just feel in my bones… in my soul… that it needs to stay in the family.

So I started checking my options. My IRA took a HUGE hit due to the COVID crisis. I went from almost $50k to less than $5k in a matter of months. My husband and I have talked to the bank but we’re not sure what options they’ll come up with.

You see, the past few years have been financially hard for us. We’ve been married for 5 years. And in those 5 years:

June 2015: I was in car accident and had to get a new car, 2 months before our wedding.

July 2015: My husband was laid off his job the month before the wedding.

November 2015: My beloved dog, Max, was diagnosed with cancer and I had no choice but to face a staggering amount of vet bills to try to save him.

May 2016: My husband was laid off from another job.

May 2017 – January 2018: We had to go thru a horrible custody battle to get primary custody of my stepson because his mother was being downright neglectful.

May 2018: I was laid off and was unemployed for 2 months.

Current: My husband’s ex is refusing to pay her court ordered child support, so we’re getting buried in the expenses that come with raising a 14 year old boy. She’s currently over $3,000 behind in payment.

If you’re still reading, I sincerely appreciate it. I don’t know where else to turn. I’m just desperate to try anything to get the $96,000 to save my childhood home. I completely understand if I don’t receive all of the money, but any amount would be a big help. I normally turn to my family for support, but obviously they are the root of my problems as of late.

I sincerely hope you can help. I will be absolutely devastated if I can’t save my childhood home.

https://paypal.me/emilysgaston

Hello,

My name is Michelle Watson and I will be a first time home buyer! I am super excited to be buying my first home as I am tired of paying high rent. I have been trying to diligently save for the costs associated with getting a new home but it moving very slowly. Just to tell you a little about me… I am a full time working mom of (1) 5 year old energetic little boy, of course he keeps me on my toes a majority of the time but I wouldn’t have it no other way. I am also a Grad student working towards an MBA degree, I decided to go back to school after being out for 14 years… Whew!  I also have a small part time beauty business that I am also working to grow.

I have been recently going through the process to get approved for a home loan, everything checks out but my shortcoming is a sufficient down payment. I need at least $10-15k for the down payment and possible closing cost. I didn’t realize my dream home would be so expensive, but I am in it to win it.  Thank you for taking the time to read this!

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