Let’s start at the beginning.

My mom and I have been together my entire life. All of her decisions and choices for the past thirty years have been focused only on how it would improve my life. She raised me with her mom, my grandma, and we were close until my grandma got too ill to work and had to quit her job and we took care of her.

My grandma passing away in 2011 was very hard on my mom. Two years later, my grandpa passed away. It was another hard hit for my mom and our small family got smaller.

Four years ago, my mom got the gastric sleeve surgery to lose weight. She’d been struggling with weight issues and depression for as long as I was alive and this was finally the first thing she’d ever done for herself. She lost over a hundred pounds and felt great. She went off of all medication except vitamins, had endless energy, was happy until late December 2016.

Since then, she’s had a headache for every day. Her body has attacked her. She’s been diagnosed with meniscus tears, tears in her shoulder, bone spurs in her shoulder and her lower back, ruined discs in her spine. She’s had countless MRIs. Finding nothing specific, it was diagnosed as fibromyalgia.

For two years, she’s had to live every day in 8/10 pain, trying to limit her medication intake while still managing to work. Three times a week, she experiences muscle cramps in her legs so severe that she screams at the top of her lungs. Home remedies and pharmaceutical medication doesn’t stop it, even when she tries to drug herself up enough to try to sleep through the night.

I lost my job and she urged me to return to school, that she could handle the bills with her paychecks. She soon joined me in taking classes a semester later and we’re both in pre-nursing, her old grades from university still on record, her GPA 4.0 and covered by a Pell Grant. It’s been one of the few things that distracts her from the pain.

Three months ago, she couldn’t move. Her shoulder had locked up, her back was worse than ever. She had to go on short term disability to find answers or relief. It’s been three months with long waits between appointments and limited answers. She’s had six MRIs. There was a brief suggestion to repair the tears in her shoulder and the bone spur for $1200. We’ve never had that kind of money to spare, using our savings instead to carry through the months she’s been out.

My mom decided to try a pain clinic in order to manage her pain to return to work. Unfortunately, the medication they’ve put her on have been all sedating. In the midst of this, she’s finally gone for help for her mental health but the medicine is also sedating. She’s gone from no medication to four different sedating medicine that her doctors tell her to just “let your body get used to it.” She’s trying to do physical therapy in the meantime but she’s been so sedate and different and unable to drive.

My mom has jumped through hoops, tried to keep extending her short term disability at work, and we’ve been sinking quickly, as disability is only 60% of her regular pay. She can only remain on short term disability for so long but we were hoping she would be able to be more stable on the medication and stronger on physical therapy and she’s optimistic about returning to work mid-December or early January at the latest.

She just wants the pain to go down to a four or five so she can work again, she’s worked since she was 15 and this is really difficult for her.

We’ve never been even “comfortable” with our finances but we’ve ways made it work and have had each other. We don’t go out to eat or eat fast food (she can’t since her surgery anyway), we’ve seen maybe two movies this year but they’re just so expensive so we stay at home. We don’t celebrate our birthdays or Christmas because we can’t afford to get presents. We’re wearing clothes that are years old – we don’t live extravagantly by any means.

To see her in this amount of frustration and pain is hard and I do what I can to make life around the house easier for her. I’m taking five courses a semester to try to get into the nursing program quicker but the prerequisites are specific and I can’t take the science courses faster than one semester at a time.

We’ve had arguments about me returning to work but she says I’ve spent enough time in my life helping with my grandma, my grandpa, and now her and she wants me to stay in college full time so I’ll never be in her position and that we’ll be fine financially when she returns to work. We have nothing of value to sell, I’ve looked everywhere for jewelry or old electronics or old coins and there is nothing.

Our money has ran down to the bare minimum. This is the month that we can’t make our mortgage. The disability payments cover our utilities but the biggest bill is our mortgage and it isn’t considered late until the 15th.

The mortgage is just under $1200 and it’s all we need to get us through until she’s getting paychecks again.

Anything more would go directly to the next month’s mortgage so that maybe we could have a head start.

Pictured is the only vacation we took three years ago since I was 15. We drove to Monterey, slept in the car, and it was still the happiest thing we’ve done together.

Here’s my PayPal.me account and thank you for reading all of this.

https://paypal.me/jmd8288

 

Hello, This all started in 2016 when I had two heart attacked and stints put in. At the time I owned a small struggling company that makes and sells 3D Printers and parts and pieces when I was cleared to return to work my company had fallen into very hard times. I had a chance to sell all the equipment and work for the company that bought the equipment.  That was in October of 2016.  By January 1 of 2017, I had started work for a machine shop about 45 minutes from my house. I worked there until I had my thumber knuckle replaced. In March of that year, I also had to have a nerve moved in my left arm, and I was that I would never be 100% active at that time and was told not to come back to work. I tried to restart my company and do some 3D work. Which did carry me until 2018, I have worked my entire life and bought my house in 2000.  After my wife left in 2009 and we had to declare bankruptcy, and I have been working to get out from under that, but 2018 has turned into a very tuff year. I am 4 months behind in mortgage payment and three months behind on electric bills and out utilities.  I have been applying at many places and the jobs available I am either over qualified or require more then I am capable of doing at this point in my life.  I am 61 years old and have asked for help from friends and family, but none are in a situation that they can help me. I have reached out to the electric company, and they can only do so much, and if I lose my electric and other utilities, I will lose my house.  The mortgage companies are also working with me and have set up a payment plan, but I have no money to pay even that.  I have talked to several disability help companies, and I have found out that that takes up to 24 months to start receiving any assistance from them. I am also doing little things to try and make money, but the marketplace for 3D Printed parts is saturated with cheap printers and people that will print for free. To top it all off, I am facing the situation now that have forced me to something anything I can. I applied to LyFt to try and make money and found out my truck needs 1600.00 worth of repairs ao now even if I get a job I have no way to get back and forth to the job.  Total amount of money need is $5,884.91.

Also, I try always to give something back so I foster dogs for the MDSPCA and now my dog is very sick, and I can’t afford to take her to the vet.  I am deeply concerned that all this is going to catch up with me and I’ll have another heart attack.  As of 12/11/18, I’ll lose the house to foreclosure, and my daughter lost her job and has been out of work for about a year, and her disabled partner cannot work.  My PayPal.me link is PayPal.me/galewood

 

“Taylor, we’ve been trying to get a hold of you for about three months in regards to your past due account with us.”

Many people in the world have heard something similar from a bank, lender or billing department of some type. But in July 2017, I received a total of 7 phone calls similar to this, and all to my surprise. It did not take me long to learn that my identity had been taken. Again, something that about 60 million American experience. However, it took longer for me to discover that my identity wasn’t stolen by a stranger, but my best friend & partner of ten years. There’s no tangible statistic that I could find of this situation, let alone a way to describe how it felt discovering this as I stared down the hall during the call, watching him fold our laundry and smile at me.

“There’s 3 routes to take, Taylor. press charges, file for bankruptcy or drown in $50k in debts that aren’t yours.”

Another heartbreaking sentence to hear, and at 26. I had to just graduated from college (the first to in my family), had 2 jobs during college for 5 years. But my life crumbled in all facets that summer; I can promise that deciding whether or not to send my high school sweetheart of 10 years to prison for fraud wasn’t easy. I can also promise even today, the turmoil of my decision haunts me mentally, socially & financially, still. He was diagnosed with borderline personality disorder in August, wiped my bank accounts & left me alone with shared bills, rent & HIS debts in my name- spending the next 6 months buying copious amounts of pain killers to mask his ache of untreated disorder. I was the one left, though I forgave him and tried to repair our lives. I lost so much more than financial stability. I lost trust in someone I’d known for half of my life. I lost my home.I lost all faith.

I chose to work on bankruptcy in order to protect him from facing up to 17 years in prison.

There was hope, however. My best friend (a coworker) received a once in a lifetime opportunity to relocate to Mexico temporarily, to start a new branch. However, he had recently purchased his first home 6 mnths prior. Knowing my story, knowing I was homeless, he invited me to stay in his home while he was away (as no one would rent to someone like me). I just had to pay the mortgage for 3 mnths.

However, since my bankruptcy was denied and I’ve been juggling to pay to live, plus all of the debts remaining- last month my wages were to be garnished from me until January. With my two jobs, taking care of three pets, paying about $1000 in debts- I could barely afford to eat. No welfare programs are applicable to me, either. So I spent the last month working just to literally get myself to ten steps backwards from where I should be. I delayed the mortgage last month in order to pay my debts. But now on November 15th I have to pay two months of delayed mortgage payments. I only just barely enough to pay October.

The reason I’m here, is to ask for help in paying my best friends mortgage. He went completely out of his way to help me survive when no one else had. He certainly doesn’t deserve to have his housing jeopardized just to save a friend. When I was without hope, without food, family, friends or trust- he provided me with all he could. The least I could do is ensure the mortgage be paid for when he returns. I don’t want to ruin someone’s life over love, as mine was. Please, please help. This person has done all they can to remind me that there’s hope, that I deserve a second chance and that I am loved. If you can’t find it in your heart to help me, can you move yourself to donate for the sake of the only person to stand by my side when I had literally nothing?

My decision to keep my ex partner safe was beyond risky, and I think we can all fathom that love can blind you. But I’ve never been one to turn my back on a loved one, and I thought that he and I were alway a team. Even if he lost his way. I was sorely disappointed to find that life was too painful for him to reciprocate.

If you ever read this, my butthead- though our time together came to such a terrible close, I truly hope you find the peace, support and healing you so desperately need. Though your pain and demons betrayed you, luring you to harm yourself and all those around you- know that you can overcome.

 

attached is a picture of my kitty, Mugen. She reminds me to smile even when the world seems without a mouth.

11/9/18- I’m $1500 short of $2600.

Hello.. My name is Sky Reid Bowen. I’m from a small town called Kanarraville. Which is 20 miles south of where I live now in Cedar City Utah. I’m 30 years old and I work for a small independent distributor for Budweiser. I’ve worked there for almost 7 years. I’ve worked my way up from the warehouse all the way to driver/salesman and lost 100 pounds along the way. I’ve worked hard like that all my life trying to ” live the dream..” But as of lately I can’t even pay my own bills. My fiance’ has had to help me just so we can survive. I’ve made some mistakes along to way in life by picking the wrong girls. But they gave me my kids and I can’t hate them completely for that. Having that said though they’ve taken my kids from me and then turned me in to ORS for child support. The one mom had not turned me in until 3 months ago or so and my son with her is 8 but my little girl with her mom I’ve been paying on and she is 3. Now Idk if you guys have experience with them but they don’t care about your extra bills they just care about your pay stub. So that’s definitely a problem for me. Now I’m not trying to spin a story just about child support because that’s not what this is about. This is about me and trying to ask for a miracle. I never ask ANYONE for anything not even my parents. I have been independent since I was 19 years old and have never had to move back home. I’m just trying to start a new life! Wipe the slate clean! Have nice things eventually and build my own empire. I’ve tried on my own by buying a house, a new truck, staying on top of bills, and everything else. But between my exes and my fiaces divorce we are going to struggle for a long time and who knows if we will make it or not. I’ve struggled pretty much since I left home and ya I’ve made it work with dead end jobs and bouncing around for a while. Then finding Budweiser and trying that way. I even went up to North Dakota in 2011 for the winter to chase money up there and take a swing at being my own boss. Trying to better myself and my families situation. But always someone somewhere has to ruin it for me. All I’m trying to do is live my life and try and better myself. So that is why I am taking my last resort and swallowing my pride. Putting down my helmet, shield, and sword and as a king taking a knee. To plead with someone out there that if anyone deserves help its us. I mean even my fiance’ she works so hard.. She went to college to be a nurse and graduated. She works three 14 hour shifts minimum but that still only pays our bills. We have no money to save because everyone else is taking it all. We need a fresh start and not by running away or giving up our rights.. We need some people or an individual to believe in US. And think of this as an investment in someone who WILL do something with this money. Who WILL build and empire. So enough beating around the bush.. We need $500,000.00. Now I know that’s a lot to ask but hear me out. $250,000.00 goes to all our debt that we owe including our house. Then $20,000 goes to our online business www.toughnursemanufacturing.com. and the remaining $230,000.00 goes to our relestate company that we want to get going. It’s like I said I’m not looking for a handout. I’m looking for a new start and for someone out there that believes in doing something amazing. You wouldn’t only be doing us some good you would be blessing 7 little lives as well and one on the way. With the jobs that we are in we don’t know if we will even have enough money to have my fiance stay home for the first month of our new babies life.. We have a big family and that was our choice but we love it and we are constantly busy. But I’m tired of being tired. Please if there is someone out there listening please help us with our dream so that one day we can do the same for someone else! Pay it forward and I can promise you I will be that man.

Hello I’m so hurt asking for this I have been trying to get back on my feet since loosing my business. I was diagnosed with stage 3b cancer in 2015 went through all the treatments, radiation had 12 surgeries, had left lung to collapse to needing a Kim and muscle taking from my back now suffering lymphedema in my right arm. All this treatment left me disabled. So fast forward I suffer from numerous issues now on so many medications sufffering chronic pain , chemo did save my life I thank god for that however I been trying to get disability since November 2015 had been denied up to August 2018 had a court hearing got approved for disability however didn’t know it would take so long to get a check . So me having gotten help from family members friends exhausted all credit cards savings etc. I’m behind on my mortgage, bills, car note and credit cards. My credit score is so low now can’t get a loan I have a son that is away at college his second year and a son that graduated last May living on his own in another state . I thought he can help once he got his career moving he is trying to get his music career going he has a degree in Marketing so this should help him so he can help me .In the mean time I don’t want to loose my house so I started looking on line to see I can get a loan against my back disability no luck with that I was able to get Snap(food stamps )wasn’t sure how that worked, first time needing help from outside. So I’m asking for help to keep my house I’m behind 3 payments as of October 2018 my mortgage is 2,100 a month three payments praying my disability hurry and kick in if you can help with any donations this would be a blessing . 

 

Struggling with credit..

A little back story on my family’s situation….

My husband and I were the typical mil family in 2017. My husband infantry USMC, myself stay at home student (pregnant), preparing to move to the coast of NC and start our lives with a beautiful daughter. We were blindsided on Christmas 2017, at 35 weeks we gave birth to a silent sleeping angel. The shock and pain took my husband and I on a whirlwind of denial, anger, depression, etc. The loss of our first child took it’s toll on the both of us very differently. I was sad and couldn’t leave the house. My husband was forced to continue working– USMC didn’t offer any kind of help to us. Funeral and medical expenses literally consumed all of our savings and put us in a black hole of debt. My husband lost his job in the Marines 6- 8 months later due to lack of training (from missing work due to therapists appointments). We were forced to move back home with his parents with our dog and cat– oh and if that wasn’t great news we popped up pregnant right in the middle of this crap fest. Yay…..

 

August of 2018, we were now 4 months pregnant with a large dog and cat. Moving 4 hours back to our home town on our dime. With absolutely no savings left. the credit card debt is unimaginable, but we are trying our best to fix our mistakes. Currently status– Living in a small 3 bedroom mobile home with 3 other adults, 2 other dogs, and 2 other cats is hard enough and in 3 SHORT months we are going to be first time parents with no room for our baby to sleep. As a mother, I can’t tell her how much it hurts to be so unprepared knowing how prepared we would have been just a year ago. We are currently living out of laundry baskets and trash bags and with all the animals inside it’s just not a healthy environment for a newborn to me.

So we set a goal to buy a place, we are currently conditionally approved for a mobile home single wide. Nothing fancy, it is small, but it’s something of our own and something we can afford. The problem– our credit is completely wrecked with credit card debt, letting his car go back cause we couldn’t afford it any longer with losing his job, and of course the student loans and medical bills we have yet to finish paying for. We qualified for the loan, but with a 10% down payment…. we have exhausted all options and I am completely desperate for help.

We only need $5,000 for the down payment the rest of the fees and closing costs will be factored back into the loan for us (thankfully). My grandpa is gifting us the land to have the home moved too, thanks pop! We come from nothing so of course our parents can’t afford to lend us anything to help. We currently only bring home $1,900 in salary a month (since I’m with child and high risk I can only work so much). To be able to get the money by perseverance and savings we would need to save around $1,500 a month for 3 months and with $1,000 in our bills coming out of our monthly income it is a far-fetched idea.

I have cried, prayed, pleaded with people, and now I am resorted to begging. I know I have created this situation for myself, but I just want to be able to give my baby the best home life possible. My husband and I both come from horrible childhoods (drugs, alcohol, abuse, etc) and I don’t want my child to suffer or struggle. This home would be ideal for our family in so many ways and I would be so very grateful for any help at all in getting this home for my family.

Thank you,

 

Amanda

https://paypal.me/AmandaNanney

 

Hello I’m so hurt asking for this I have been trying to get back on my feet since loosing my business. I was diagnosed with stage 3b cancer in 2015 went through all the treatments, radiation had 12 surgeries, had left lung to collapse to needing a Kim and muscle taking from my back now suffering lymphedema in my right arm, chronic pain and now disabled.All this treatment left me disabled. So fast forward I suffer from numerous issues now chemo did save my life I thank god for that however I been trying to get disability since November 2015 had been denied up to August 2018 had a court hearing got approved for disability however didn’t know it would take so long to get a check . So me having gotten help from family members friends exhausted all credit cards savings etc. I’m behind on my mortgage, bills, car note and credit cards. My credit score is so low now can’t get a loan I have a son that is away at college his second year and a son that graduated last May living on his own in another state . I thought he can help once he got his career moving he is trying to get his music career going he has a degree in Marketing so this should help him so he can help me .In the mean time I don’t want to loose my house so I started looking on line to see I can get a loan against my back disability no luck with that I was able to get Snap (food stamps ) wasn’t sure how that worked first time needing help from outside. So I’m asked bag for help to keep my house I’m behind 3 payments as of October 2018 my mortgage is 2,100 a month three payments praying my disability hurry and kick in if you can help with any donations this would be a blessing . 

paypal.me/ibeatcancer