There is truly nothing more humiliating than begging for money. Yet…I find myself in such a horrible situation and it weighs so heavily on my heart. I have $12,000 of debt outside of my mortgage and I need to refinance my mortgage to make the next big step in my life. With no ability to afford insurance, no benefits due to juggling 3 part-time jobs and my big heart wanting to help my family so much…I have let my own financial needs slide. I cannot believe that just 4 years ago I was debt free and now bill collectors are calling me to get what I owe them. It is maddening. I keep getting the advice “you should claim bankruptcy” from my friends and yet I know that would be irresponsible. None-the-less…I have nothing to draw from. I owe for medical care, utilities, phone, storage from my years abroad and car insurance. From the depths of my soul, I know this is all my doing and I need to make it right. The fact remains: I am in over my head and need help. The stress of being pinned like a butterfly in a science project is wearing on me. Negative thoughts are toxic and I need to get back to the positive person I have always been. If you can help, believe me when I say that there will be no one more grateful or able to take your gift and pay it forward when times get tough for another lost soul than me. I am actively seeking a better standing in the workforce even though I live in a small, rural community. I am sorting through stored items from years past to find things that I may be able to sell and cutting back in my budget to better spread what little I have more efficiently. I know I can get to the goal of being debt free again and will be better equipped with the knowledge I’ve gained through this experience. I am seeking to refinance my mortgage first and need a down payment of $5,000. Then I would move on to pay off my debts to the total of $12,000. Please consider any donation to help me get back on track and know that in doing so you have touched more than one person with your kindness because you will be helping my family as well as giving me the chance to pay it forward.
Paypal link: PayPal.Me/cboulton72