I am normally the one who is in a position to help others. I have spent the last 15 years of my life healing those in need. I spent years independently raising money for my charity that helps children who have been effected by the opioid crisis. Although, I have now found myself in a position of in need of help myself. I have spent countless years supporting my family, tending to the sick and giving the last of myself to help family, friends, and strangers. I had a series of unfortunate events occur and I am now facing foreclosure. I have to pay 10,000 to save my home. I do and have been working countless overtime, so i will and do have partial of the money needed. I am not one to ever in my life ask for help, so to come to strangers in this time of need, is very realizing of the balance needed in humanity. I hope that who ever reads this understands how important my home is. My dad purchased this home in 2002, and after my sister tragically passed in 2017 he fled to Floridia to raise her children . He left me the house and the thought of me possibly losing it, kills me beyond words. He has lost enough. I am a very hard working nurse, spent countless hours through covid giving my all to heal the sick. I have 3 daughters who rely on me. I can not, and will not let them and myself down. thank you for taking the time to read this. I will also mention, I BELIEVE in giving and i will pay it forward by giving a portion to a family in need, even if that’s just a meal.

PayPal: Therosenonprofit@gmail.com

The police came knocking in the early morning hours of Sept 10, I knew right away something was wrong. I fell the the ground and I just screamed and screamed and screamed… i couldnt help myself. I cried and screamed. It all seemed like a dream in the moment. His truck had went up in flames just minutes after the crash and he was unidentifiable. It took them months to verify it was him and complete the autopsy. He had no smoke  in his lungs so he passed right away/immediately and didnt suffer. But me… his mom my heart feels like it was ripped out of my chest. I have trouble sleeping, eating, talking to people. I cant go out in public anymore, it makes me to anxious. So now we are 44 days behind on our mortgage which is 1150 a month… our phones are 200 a month, electricity bill 300, insurance 100, and vehicle payment 300. Both of our vehicles are broke down it is going to cost $7000 to get the truck fixed and the transmission needs replaced in a car with almost 200,ooo miles on it. So its not worth fixing. Our heater unit went out of out home this winter and thats 15,000. Everything just keeps falling apart, my whole life has been torn upside down. My first born baby… i cant ever tell him goodbye or how much he meant to me, or that I love him. I wish i had just 5 minutes with him. I know it has been some time since he left this earth but i am not in counseling and i should be but i have no insurance, my husband who made the income to support us got hurt at work and now has burnt metal and burnt fiberglass all through his body. His boss didnt turn it into workers comp in time so now hes not getting paid and he hasnt since October. I am paid on commission only, but sometimes it is 0 and sometimes it is 800. Still not enough to pay the bills. I have 2 other children. We get no food stamps or insurance and need money for food too…. I have 2 other children to support; no family and my friends helped as much as they could but it barely touched anything we owe. All the credit cards are maxed out because i had to use them for things we needed like toilet paper laundry detergent, etc. I know we need a lot of money. We did get a lawyer to take the workers comp case but he said that could take 8 months to 1 year. I am literally begging you all to give whatver and however much you can. It has been a huge struggle. My son was like me he would of given someone the shirt off of his back, before helping himself… but i/ we are really struggling. So please help us… Thank you. If youd like to call or text me you can at 4173801590, prayers are always helpful too. Thank you, and even though i still feel so angry with god i know he didnt take my son. For some reason it is only letting me download one of the pics but i have pics of all of the bills we are behind on so if you want prooof i will text or email to you.

I’m sure my/our story is not unique especially while times are tough. But, I’m doing my best(even if that means doing something like this), to support my family. I don’t want to make this long, but please know this is a genuine plea for help.

My husband and I are hard workers and have always been, but for some reason we have never been able to get ourselves in a situation where we are financially secure. I went into so much educational debt obtaining my masters degree in hopes of securing the best life for me and my family. However, all that has left me with so far is a ton of educational debt and a low paying job(s). But that’s not what is immediately affecting us at this time.

I also want to be clear, that my husband and I both have jobs that we work hard at. But right now are not able to pay the bills. I’ve made the mistake of taking out all kinds of consolidation loans trying to stay caught up, but now am at a point where we cant even make the minimum payments on those loans.

My husband is a realtor. We have lived very simple lives in terms of just having a 3 bedroom/2 bath house with 3 kids. We have 2 older cars and the newest car being 5 years old which we still make payments on. The other car is 20 years old, but running rough. As a realtor, my husband suddenly seemed to not gain any new or existing clients over the past year. He’s pushing his hardest to stay the fight in order to stay in that business because he loves it, but unfortunately, business just plain stinks right now. I work in higher education and also love my job, but just don’t get paid very well. Not enough to support our family with my income alone. I even teach extra classes when possible for additional money. On top of that, insurance has to go through my check for my family.

2 years ago we were doing somewhat well financially and decided to move into a new home. New to us at least. Not an extravagant home by any means, but a big enough home for a family of 4 at the time in a safe neighborhood. Our previous home was in a neighborhood that had shooting frequently and break ins consistently.  After living in that home for 15 years, we were able to finally afford something nicer for our family. Last year, I found out that I was unexpectedly pregnant. We added a new baby to the family in September of 2022. She is a miracle in human flesh. I never should have gotten pregnant(physically should have been impossible), but here we are living with a newborn and 2 older girls ages 9 and 12. My husband hasn’t sold a house since her birth. I had to take at least 6 weeks off of work when I had her and my work only paid 2 weeks of pay during that time because that’s all that I had saved up. That’s when I finances started taking a turn for the worse. I’ve reached out to public/government assistance as much as I feel that I can. While some resources were available, we have been faced with the challenges of not being considered “poor” enough to receive help.

We are now in a situation where we can’t pay our mortgage and getting behind on all of our bills. I’m worried that we are going to have to either sell or lose a home that we normally be able to afford. On top of that, I’m not sure that we have anywhere to go if we do lose our home. We don’t have family that can help. In fact my husband and I do our best to physically and financially support our single elderly parents(respectively). Again, in trying to help them, there aren’t very many resources out there that are willing to assist in their care either.

We are doing our best to do our best honestly. And raise decent, healthy humans in the meantime. I’m just hoping for a miracle and am going to as many lengths as possible to provide for my family. We are absolutely grateful for any assistance given. https://www.paypal.com/paypalme/my/profile

I had to take a medical leave from work at the end of September and during this leave I had to have my gallbladder bladder removed which was unexpected. This caused me to be out on leave longer and it used up my intermittent FMLA. In order to return to work a fitness for duty form was required and filled out by my doctor. My doctor requested reasonable accommodations for me and my work denied the request and placed me on a general leave status until the start of the next school year. I was supposed to return to work in December but not only was my ADA accommodations denied but they went on Christmas break and left my paperwork on the desk for review for after the Christmas break. Then they just forgot about me until the end of January and informed me that I was not allowed to return to work until next school year. All this leave has been without pay and I have reached capacity. I have borrowed all I can borrow and used up all my credit and I am now unable to pay my bills. I cannot even buy gas or food and it will be wasted soon enough if my electricity goes out. My credit score went from an 800 to a 520, and every creditor is calling me multiple times a day for payment and I don’t have any money. I have worked my entire life and I have always been able to at least if all else fails go wait tables but I no longer can work on my feet. I have 8 medical conditions and one of them is extremely difficult to manage and causes me a great deal of problems making everything I do exponentially harder. I have POTS syndrome and I have severe arthritis in my entire spine and hips making any type of labor intensive jobs and standing up for long periods of time impossible for me. I cannot just go get a job anywhere. I’m negative in my account and my house payment is due. All my bills are due and all my maxed out credit cards are past due. My house taxes are past due and everything is spiraling out of control. I am having to send my only child to go live with my parents because I cannot support her and I don’t know what I will do without the kindness of strangers because I learned quickly that when you really need help your friends and family will not help you. I have worked hard to get everything I have in life and in falling behind by one month my entire credit and on time payment history is destroyed and I am facing financial ruin and eventually I will lose my house and everything I worked for. I have to now sue my school district for violating my rights by denying me reasonable accommodations which will only mean many more months of time without any income and I just don’t know how anyone is expected to survive these situations when there’s really no way to speed up the process. I will be eternally grateful for any help afforded me by others because I have no idea what I will do if nobody steps in and helps me stay afloat. I have never needed help before and I am very humbled by this experience. Thank you deeply.

https://paypal.me/cecireed77?country.x=US&locale.x=en_US

I am in a mountain of debt for a variety of reasons. I have $128,996 worth of debt not including my mortgage. I’m about to lose my home. I have had so many obstacles to overcome the past few years. I’m 51 years old and a year away from being able to retire. I’m not afraid of work. I’ve been applying for numerous jobs online to supplement my income but to no avail. My current job prevents me from seeking a brick and mortar job because of my schedule. I’m an Athletic Trainer at a local high school. I’ve worked at this school for 27 years. I’m very giving of my time and skills to a multitude of student athletes as well as anyone asking me for help. In the past 6 years I’ve gone through a heartbreaking breakup with my girlfriend of nearly 20 years. In the past year she chose to become pregnant through AI without my knowledge. I began trying to help her in purchasing items for what turns out as twins. She gave birth a month ago but had severe complications which almost resulted in her death. Thankfully everyone has recovered and is doing well. In the past 6 years I’ve also lost my father in which I was trying to care for him during COVID but once I returned to work I had to move him in with my brother. At the beginning of the school year this year I had a student athlete collapse and pass away during a workout. Needless to say I’ve had a lot of emotional trying times recently. I’ve been in counseling for nearly a year. That is a portion of my debt. The greatest portion is trying to become a day trader. I have lost all control in pursuing this endeavor. I think I was throwing myself into learning to day trade to compensate for all the loss I have been experiencing. I also felt if I could make money day trading I could help my ex with the twins. I could help my daughter pay for her wedding. I simply want to stop drowning. I don’t want to lose my home. I want to get out of debt and turn things around and help someone else in need. I’d love to be able to be a financial coach and prevent others from falling into the same hole I’ve fallen into. I just need to get my head above water. I’m at a desperation point.

https://www.paypal.com/paypalme/jenak5

I’ve never asked for money before and this is hard to do. I’m an optimist by nature and tend to see the glass as half full. I kept hoping things would eventually “work out” financially, but now I’m pushing 60. It feels as though the years have caught up with me and there’s no time left.

I’ve worked since age 16. I did all the right things – got good grades, went to college, worked my whole life. I’ve worked in nonprofits for 20+ years, providing social and mental health services to vulnerable adults. Obviously, folks don’t do this work for the money. But I always believed that if I worked hard and played by the rules, I’d be okay. But housing costs have sky-rocketed over the past 30 years while pay in many industries, including social services, has stagnated. 

I always wanted to own my own home but there was always a barrier – student loans to pay, underpaid in NPOs, unemployed former spouse, living in high-cost-of-living areas, situational setbacks, and admittedly a couple of financial missteps. 

I’ve been paying back the student loan for almost 25 years and I still owe more than $50,000. I’ve applied for loan forgiveness (SLFP) but the initial application was denied and the request for reconsideration won’t be decided until after June 2023.

In early 2021 I was diagnosed with retinopathy and macular edema, after it was misdiagnosed for more than 2 years. As a result, I will have to get injections in both eyes, every 6 weeks, for the rest of my life. I’ve been worried that this will cause me to lose my job, resulting in years of lost income. 

I am also playing catch-up on my retirement fund, for which I take responsibility, and on which I am diligently making progress. Despite my hard work, frugality, and progress thus far, I don’t see how I’ll be able to have both – a home of my own AND a financially secure retirement. As it is, I foresee working at least another 10 years, up to age 70, if not longer. In the meantime, I continue to rent in an increasingly expensive rental market. 

I am hoping for some relief – a lower monthly housing payment that actually builds equity – but more than that I want the pride of home ownership. Thank you for reading this far.  paypal.me/aniiarbo