I graduated with a degree in Marketing in May 2019. My first job out of college went well, I loved the work, the collaboration, etc. Then the pandemic. I was laid off along with many others. After the pandemic jobs just…changed. Now it is expected to do more for less. Okay, I thought, I can pay my dues. Now few jobs are offering benefits. Okay, I can get some experience then go for a better job. Now jobs expect you to bring your own equipment (laptop, camera, editing software subscriptions, iPad, etc) Okay, I had a little money saved and the rest I can put on credit so I can get a good job.

Obviouslly you know where this is going. Jobs still were not paying much. The interest on my 2 credit cards is eating me alive. All totaled it’s $4,326 and some odd cents but all I want is to reduce it so the interest isn’t killing me every month.

I’m still working and gaining experience, I’m still doing my best to look for something with better pay and benefits. I even have a part time job at night and a side hustle too. The expense of life is just absolutely slaughtering me rn and leaving me living paycheck to paycheck.

I need help. I need relief. I need rest. If you can help I’d be so grateful!

Hi my name is Jason, most know me by my moniker JDub or JW.  I am a struggling self employed entrepreneur.  My financial woes started about 4 years ago when covid hit and the IRS came after me for back taxes, I went from 40k in my savings down to only $25 where it currently sits.  I’ve had episodes of suicidal depression behind what I was and still am going through.  I placed on prescriptions by a doctor and currently see a therapist weekly.  I’ve also been in two car accidents back to back years on the same day Feb 16th, as well as lost my ability to drive Uber in NYC where I was able to build up that capital in the first place.  I currently find myself om a waiting list to drive Lyft in NYC.  I signed up for a company by the name of Agape, it’s a non-emergency medical transport where each ride is no less than $15 under the impression that it would be comparable to what I was making in Lyft only to find out you can actually work four straight hrs without getting a single ride, which translates to no money.  In order for me to cover my basic living expenses I would have to average $200 a day bare minimum.  Today I worked for 10 whole Hrs and only made $70, 50 of it coming from a repeat passenger I got from Lyft.  I’m renting a vehicle with TLC plates which is a special license one needs to drive cab or ride share within the NYC limits.  My rental is $425 a week, which I scheduled for a return cause I can’t afford to keep cause I literally don’t make enough.  I went and signed up for a cab base cause Agape was doing me nothing, only to find out it’s the same exact thing.  At one time I was able to use my TLC license to earn a living now I feel risk of losing my place.  I’ve pulled thousands from my retirement which is wearing thin.  I’ve been filling out at least for a 5 resumes everyday to only get no call back for an interview.  I have a realtor’s license had one for the past 5 years now and have not sold 1 single home I got one listed with another realtor which we listed back in Dec 2022 which still hasn’t sold, I struggled to get anything going with that which is completely deflating.  And if you think that’s bad I waited 5 years to be called up for a Co-op Apartment which is ware I’m originally from to only be denied a loan for 30k.  It seems like everything I try ends in utter failure at times I wish I didn’t even exist.  If I don’t get the apartment that’s fine I just want to be able to cover my basic living expenses with a lil left over to invest for my retirement and maybe buy myself something nice or to travel, but I can’t do anything especially these last couple of years.  It’s a struggle to make a dollar and it’s a struggle to survive I’d rather be deceased then live like this, a tear drops as I write that.  If I can have the opportunity to relocate and choose a different career path I would do it tomorrow.  I’d love to have opportunity to go to aviation school where I can learn to be a pilot and not have to worry about low paying dead up, lead to nowhere gigs getting in the way I would’ve done it a couple of years ago.  Almost forgot I tried this add online we’re you read scripts into your phone for money, they advertised for a pretty decent amount at that time I was looking for online gigs, I got stuck at some part were I had to pass a module exam with a 100 score.  I took it 13x and couldn’t score 100 I finally quit on that.  I wonder if there’s a person or situation out there in the universe that can help change things around for me, I only get a short time here in life and I just want to live my best one, but lately I’ve been feeling it’s becoming virtually impossible.   I don’t know how I was able to endure as long as I did, but I’m slowly approaching my breaking point of things just trending in the opposite direction of what I need to live a more fulfilling existence.  I don’t know if it would be appropriate for me to give a number of what it would take to ease the burden on me and at least allow me the opportunity for a fresh beginning.  I would suppose it would be more than one person sharing the burden.  I’ve always been the person to go out and work, even if I didn’t make a lot.  I’m not prepared to deal with what I find myself currently facing.  Whoever person kind, sympathetic, empathetic and generous enough to lend a helping hand, I want you to donate that what you would feel would be necessary and more beneficial, than unnecessary and non-beneficial.  I love to have the opportunity pursue other career interests without worrying about how Am I GOING to barely pay bills.  At least 3 to 6 months of living expenses would be a total game changer, the exact break I’ve been waiting and missing out on my whole entire life.  I’m praying, meditating and sending out positive vibes to the universe and hoping it hears me and answers me through y’all, you are my last line of defense I leave my fate to y’all thanks for taking time to read, whatever you can give to make my wish come true is highly appreciated much love, and I hope and pray that peace and good will follow you throughout your journey  1 million. PayPal.ME/JWELLS903

Thank you for taking the time to read this, I have never done anything like this before and it’s taking a huge chunk out of my pride to do so!

Where do I start? I guess the last two and a half years since my dad passed have been the worst of it. I mean no one has a perfect life and I get that, But I feel like the poster child for Murphy’s Law at age 50!  Between running back and forth between here (NC) and Florida to help my 75yr old parents when dad had cancer, losing my job because of it along with the time and money spent traveling and not having a spouse to pick up the income slack I started a hole, or avalanche that just won’t stop no matter what I do. I am their only child so there is no sibling to fall back on.  And anything saved is gone….

Once dad passed and mom was as settled as she could be under the circumstances, I tried to get back on my feet. What a project! I was able to find employment, only for the owner to retire and sell the business 6 months later. The floors in my 80yr old house were supposed to get a minor ‘patch’ of a fix, but the person went ahead and took off the WHOLE kitchen subfloor! (after being told not to, just fix the 2 bad spots and be done). This was right after losing the job!  Unemployment took 4 months to go through because they couldn’t get straight the new company’s headquarters was in a different state and my job was made obsolete here.

(that’s the short version…. I get the feeling this whole thing is going to be a story I need to shorten)

It took months to find employment, my house was torn apart (the appliances and everything were in the Livingroom so basically me and the dogs were staying in my bedroom all summer last year!  I had to live off puny unemployment and credit to get the kitchen put back together.

This January a family friend became ill and had nowhere to go, so I had taken on caretaking for her in my home, since she literally has NO family. I was employed in long term temporary positions on and off because I was raised that something is better than nothing. My car has needed multiple repairs, one of the wires in the attic started melting/burning and almost started a fire.  My HVAC had to be repaired in this over 100-degree heat, my lawn mower is essentially scrap metal… I’m trying to keep it all together, finish getting her out of my house, I still can’t find permanent work, definitely not for lack of trying! Now my car needs work again, my lawn looks like a jungle, my bills are behind, I can’t pay the utilities let alone the debt that accumulated, my cabinets and fridge are bare.  So far this year has just been one thing after another, and I can’t seem to get my head above water no matter what I try!

I have explained most of what’s going on but there are other things too, I am trying not to make this a novel for you to read but at the same time explain my situation.

I’m babbling, my apologies!  Look I need some help PLEASE, I have anxiety which as you can imagine is through the roof, and all of this is exceeding my medication!!! I’m behind on my bills, my house, car, yard and my mind are falling apart. I want nothing more than a job and never in a million years did I ever think I would have to resort to asking for help like this!!  I have always been self-sufficient but now find myself physically, mentally & emotionally exhausted.

Any kind of help would be appreciated more than you could ever imagine, I’m so embarrassed I am even doing this!

paypal.me/snuutz

Hello,

I am a working mom who has suffered a few recent hardships that has caused me to seriously struggle to stay afloat, so much so, that I wasn’t sure what category to put this in. I work full time and am the mother of a teenager who I have taking care of alone for 15 years. Here’s my situation.

My kiddo’s father requested a modification to an already low child support payment (he pays $400 a month when he’s working and he is $20k in arrears). I have paid $2,500 in lawyer fees for this ongoing court case thus far.

I have a vehicle that I financed 2 years ago to get back and forth to work that needs $3,000 in repairs.

My father is also currently in the hospital after heart surgery and I’m not sure how we are going to cover his medical expenses beyond his insurance.

I have student loans and a couple of maxed out credit cards, but between the cost of living, groceries, legal fees, medical bills, my car payment… the recent hardships have turned out to be more than I can handle at the moment.

I truly do not want to be in a position to have to ask strangers on the internet for help, but I’m exhausting every option I can to make ends meet as I have more bills/expenses than paycheck at the moment. It won’t be this way forever, I’m a responsible adult, but I do need assistance right now.

Once I am back on my feet, my goal is to come here and donate to someone else. It’s just as important to me to be able to be in a position to give again as it is to receive. Thank you for your time.

My paypal is paypal.me/DanicaFranklin