Begging Money

Financial Hardship Help

Being a single mother especially in today’s era can be extremely overwhelming. If you are one of those mothers who is doing it alone every day you know what I am talking about. It seems like the bills just continue to pile up and never end.

Researchers have said that just in 2015 year ending alone over 80 percent of the households in America that we’re single households we’re in fact ran by a FEMALE head of household which we’re mostly living very poor.

Many people may say well there is government assistance for them to get a grant but it’s hard to find and information regarding that said topic anywhere. So in hopes to help the single mothers out in the world this article will give you some insight on the different assistance topics we can cover including where and how to get a grant or scholarship. Also, you will read and see how simple it is to receive help with income expenses and medical insurance.

Are there really grants for a single mother?

Of course they do but these grants are not only for single mothers. However, that doesn’t mean there isn’t help for a mother to receive one. I know its mind boggling that the government hasn’t had any means created for money for a single mother that is actually in the shape of a grant. One thing the government does for a single mother is they assist them through a group or have set sponsors through a company, and sometimes they are covered by the actual income assistance completely.

Below are a few websites that will redirect you to free items that you can get just for registering on the website.

Low Income Assistance for Single Mothers / Government Grants

As I said there is not an official grant for a single mother available that is FEDERAL. However a single mother can go through federal programs and register and sign up for them. Those kinds of programs are usually for households with low income. Which means you would also qualify for Welfare. No matter what the case these are programs to help those who make below the limit and live poorly.

Below are different types of assistance based in the United States.

TANF – TEMPORARY ASSISTANCE FOR NEEDY FAMILIES

TANF is a crucial for many low income families located within the US.

With TANF you receive a small amount of cash every month that you can use toward your food, rent, and other necessities. However you only receive TANF for up to 60 month limit.

If you are a single mother and you have children in your home who are less than 19 years old you are eligible for TANF.

SNAP – SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM

Food-stamps or SNAP as other people may refer to is financial help for meals. You can receive money every month to place food on the table if you are on low or no income.

For most of Americans living in poverty SNAP is potentially the only assistance they can get.

Research has shown that in 2015 SNAP benefits have helped at least 45 million Americans. Most of the ones who receive the stamps are under are up to the age of 18.

When you go to use your benefits for SNAP you have your own personal debit card to ring your groceries up with at the register. If you are interested in trying to get on with SNAP benefits all you have to do is fill and application out and send it in or take it into a local office that deals with SNAP benefits.

NSLP – NATIONAL SCHOOL LUNCH PROGRAM

This is a program that gives free (or discounted) food to students whose parent’s income is bellow a poverty level. The income needs to be at least between 130-185 percent bellow the poverty line.

Most the time if a person is a receiver of SNAP benefits their children will be accepted into this program for free lunches. But, that doesn’t mean if you don’t have or receive SNAP that your children are disqualified.

You need to contact your child’s school to apply.

TEFAP – THE EMERGENCY FOOD ASSISTANCE PROGRAM

Food for the American families who are in the poverty range not matter what the age.

If you have received food stamps before or any other program assisting you and helping you such as the ones in this article you could also be approved for this program.

You will need to contact your State distribution agency to learn more about the Emergency food assistance program.

Local Food Banks

A food bank doesn’t exactly fit into the whole “Grant” program area as it is actually a location in your town where you can get food if you are in need.

Do not allow you or your family to go without food. If you ever reach that trouble you can call 211 and ask them where the nearest food bank is based on your location.

More then 200 food banks exist with the feeding america foundation and they supply enough food to feed over 40 million people.

WIC – WOMEN, INFANTS AND CHILDREN PROGRAM

This program includes a package deal where you as a mother are able to receive healthy foods, whether you are pregnant or a new mother, and also to children who are 5 or under.

WIC is a program that is temporary and only used for a short amount of time – usually between 6 to 12 months.

EARLY HEAD START / HEAD START

These programs are for children up to 5 years old.

You can receive free child’s medical and dental care along with their schooling, and dietary needs.

Find your closes headstart office on their website or call at 1-866-763-6481.

Insurance for unemployment

This is a special program which will pay you weekly if you are unemployed and it had nothing to do with you for you being fired or let go. You will only be able to receive this benefit for maximum 26 weeks. Different states have different benefit rules. But most states will average out at about 45% of whatever the average weekly income is.

Single mothers who are out of a job temporarily can find solace with these benefits and can help make the burden less for themselves because this pay will restore what you have lost from losing your work.

If you want to try and get this started and opened for you, you will have to find your local unemployment office or apply on the website for this specific program. Most states will allow you to also try to sign up for this over the phone.

Section 8 housing

Section 8 is basically a program that helps a family be able to pay for their housing. If approved you will receive a voucher of up to 70 percent of your bills (utilities and rent). You are expected to pay the other 30 percent.

If you want to apply and feel you qualify you can get in touch with your local office involved with public housing, the HUD office.

CCAP – CHILD CARE ASSISTANCE PROGRAM

This is a benefit for families who can’t afford to place their children in daycare while working.

You still have to pay a certain percentage but it isn’t a big lump of money. The less you earn, the less you need to contribute.

EITC – Earned Income Tax Credit

It is a tax benefit for people with low income. You could potentially get as much as $6,000.

If you normally have a tax rate of $1050 but you are allowed $5550 then you get refund of $4500.

There is a Children’s Tax Credit too for as much as $1,000 for EACH child.

LIHEAP – LOW INCOME HOME ENERGY ASSISTANCE PROGRAM

LIHEAP is a program that is a one time help to help pay for heating / cooling expenses.

Most of the time this is for the disabled or families with children or disabled person in the home.

If you need any extra information regarding this topic you can get in touch through the number 1-866-674-6327 or a local number for your local LIHEAP office.

WAP – WEATHERIZATION ASSISTANCE PROGRAM

Weatherization assistance program lowers energy bills for families in need. Usually the elderly and families involving children are accepted and put to the top of the list before all.

Your monthly income need to be below 200 percent poverty level.

To apply, find a local WAP center.

Medicaid

Medicaid is help with medical expenses. If you do not have health insurance this gives you certain benefits as long as your income restriction meets the level it should.

A lot of single mothers may meet the standards to be recipients of Medicaid even if you are unemployed.

Every state has different rules about Medicaid plans. You can find out exact requirements on this website.

Together with ObamaCare it ensures that even single mothers who didn’t receive any health benefits will now be able to have coverage.

CHIP – CHILDREN HEALTH INSURANCE

CHIP gives children without health insurance a chance to have health benefits all the way up until they are nineteen. It is for families whose income is too high to receive Medicaid benefits.

It provides every type of benefit you can think of — dental, eye exams, and even annual doctor’s exams.

Every state has its own rules. If you would like to learn a little more about this specific benefit you can call 1-877 Kids now (1-877-543-7669)

Federal Pell Grants

Aid program for students of up to $5,815 for those in need to be able to set foot into college.

This is the best opportunity for a mother who is single to finally be able to finish her schooling and finally continue in the workforce. The money is completely free of charge with no interest rates or paybacks ever.

You need to fill out an application and submit it for a pell grant and have it turned in on or before June 30th of every year.

Federal Supplemental Education Opportunity Grant

Similar to the Pell Grant. If you already have had pell grants and you are at the top of the charts in need you will be first on the list to receive this. Depending on a persons needs that are wrapped in with their financial struggle will ultimately decide who will receive anywhere between $100 too $4,000 annually.

Charities

Charities can be a way to seek help for you and your children whether you are in need of food or clothing or even housing. A lot of charities around the world actually have their own food banks that they run and they will give you bags of free food.

If you go to salvation army a lot of the times they will let you sleep there if you have no where else to go especially if it is a result of violence.

Churches

Most churches will offer you food and clothes or maybe even a place to stay if you have been recently kicked out by the one you are living with.

To find information on this you should look through your phone books local listing or yellow page. You can also research online and see what churches are available to your area and call them and ask what services they do offer.

Loans

Single moms can receive loans usually relatively quickly but I would not recommended that at all. You could potentially go into debt and not be able to rise back from that.

Sometimes you have no choice because you have to fix your broken car or maybe pay for utilities and food and need the help right then. But you have to be able to pay that loan realistically quick.

Pay attention to your credit because if you try to get a loan through a bank or anyone they will check your credit score and see if it is even available to be able to place a loan out to you. If it is a loan that is for payday loans or credit card advances they will not run a check but you will end up paying more after fees and costs.

Line of Credit

If your credit is decent some people ask a bank for a loan personally. Most of the time this is a better idea then asking for a payday loan because if you need quick money with lower rates of interest this is it.

Personal Loans

On a personal loan interest is lower dramatically but you have to pay in instalments. It doesn’t really fit criteria for an emergency. Normally if you just tell them you do not have any more funds and that is why you need this they will turn you away. If your credit is poor you will not be able to even touch this offer.

Short term (payday) loans

This is a very popular type of loan. You may know it by the term “Cash advance.” The interest runs really high on these and it is a loan that is only for a small time frame.

This is a loan that would more then likely be considered if a problem arises and you needed to repair your car or had a disastrous dental emergency. You have to know for sure you will be able to give every penny back.

If you do not pay this type of loan back you could be in loads of trouble financially.

Credit card cash advance

Do you own a credit card? If so you will be able to get money from a bank as easy as 1, 2, 3. This is not a method that is highly praised though because as soon as you start taking money out of the bank the interest keeps rising and you also are charged for using and pulling out of the bank a fee. This is potentially the easier options if you do need cash asap but you have to pay it back and make sure you absolutely can.

When it is all said and done grants will not solve your money issues within your home if that is what you expect. To get a grant is definitely not easy it isn’t a walk in the park by any means.

If you are looking to get a more stable source of financially being stable you should probably look in areas around you or find a women shelter until you can get back up on your feet.

If you think you have all the time in the world you can apply for other areas of assistance such as Food stamps, HUD, and etc. They do take a lot of time and effort for someone to get back with you and let you know if you have been accepted and enrolled. Try finding a part time working job as a way to financially start becoming stable again.

The moral of this is you can not expect a grant to fall into your hands without effort and take all your worries away. They are only here too do one thing and that doesn’t usually fix anything with your financial setting.

This is all on you and what you decide, no one else can decide for you.

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Disabled Pregnant Veteran NEEDS YOU!

Where do I even begin… I’m sure you all have heard the saying “Good things happen to bad people and bad things happen to good people.” Well this phrase is the definition of my entire life. I can honestly say that every decision I make is for the sole purpose of making everyone around me happy. I can’t recall a time I have ever done anything to hurt anyone with the intention of doing so. That being said it seems that although my kindness is unmatched, I could very well have the worst luck in the history of luck. Besides my entire life being one disaster after the other let’s get to the more recent specifics about why you are reading this plea for help. I am a disabled veteran who is struggling to survive in this current America. Since being discharged (honorably) from the United States Air Force things have been extremely difficult for me in adjusting to civilian life and for me to just take care of my basic needs. Sometimes I feel as if my country turned its back on me and just left me to fend for myself in an ever-failing environment. After being told by many doctors I couldn’t carry a child to term much less get pregnant, after being told I had a miscarriage months ago, I most recently found out by another medical professional I am still indeed pregnant. I am now almost 6 months pregnant, unable to work due to my many physical ailments, because of this inability to work I am practically homeless (living couch to couch) paying what rent I can when I can, my car just broke down hours away from home and I’m sure has since been impounded, and I currently cant even get to the doctor, pay for food, heck I can’t pay for much of anything right now. The father of my unborn child was the primary caregiver but walked out on me when we thought I had a miscarriage (which was brought on by his severe physical abuse). I’m not very upset about the last sentence even though it has landed me in serious financial hardship and I’m in no rush to find him and tell him “surprise surprise theres a baby still brewing.” By the way, the hospital that told me I had a miscarriage is rated the 6th worst hospital in America, so I’m not all that surprised. Anyways, my goals are to get into stable housing, buy a car, and have everything ready for my baby boy to get here by the beginning of 2021. Thanks for your consideration and time. I promise any help sent my way WILL be paid forward.

paypal.me/hmf121392

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My Last Hope

I’m not exactly sure where to start with this, but I guess there’s no better place then the top. This is going to be a bit long, but I beg you TO PLEASE READ.

It seems that no matter how hard I fight I cannot get all the way up. Yet I refuse to accept that this is as good as it gets. I could accept defeat if it weren’t for the fact that I have to fight for the sake of my boys. So I’m at my lowest point, and this is my last stitch attempt at trying to find help before I begin to look into less respectful ways of making money to save us.

Six years ago I left in the middle of the night with a garbage bag of clothes for each child and the clothes on my back. I was battered for the last time, and I knew I had to save myself. I did exactly that, and NEVER looked back. However, all debt incurred within my marriage fell onto me as everything was in my name alone. I was solely responsible for $16,000 in debt, vehicle payments, 8 months remaining of a rental lease agreement (even though he proceeded to live in the house), and $6000 in credit card debt. He quickly drained both bank accounts as they were joined, changed all passwords, all my email passwords, etc. As well he sold our family boat and bass boat making a total of $8000, and kept the money. To this day I have NEVER received a cent from him towards helping with all the above, but much worse towards our son together.

Being as our son was only 3, I had to quit work to take care if him. My place of work was not understanding towards my situation, and left me no choice but to quit. I was also raising my sisters son who at the time was 14. We spent 2 weeks living in my van before I was able to find a place to live. That put me back in soo many ways I cannot begin to explain. The ramifications are still effecting me.

When my son was 6 he became very ill. Long story short, he ended up with Kidney Failure and air lifted to CHEO in Ottawa where he would spend the next 4 monthd. I blew through all my savings on travel, food, lodging, miscellaneous necessities for him, and uncovered medical expenses. Again I recieved no financial help from his father, and very little physical help as well. Might I add during that time I was 4 months pregnant when he went into the hospital and 8 months upon his release.

I was born with Spina Biffida Occulta. There are 3 levels in which the effects vary. In my case I have the third. It is where the back is left closed when a child is born and the damage from the disease is trapped inside and riddled up through the spine from the base of the tailbone to the tip of the cerebellum. In short I have had 15 brain surgeries, 12 back surgeries, 5 leg surgeries. I’ve fought to regain my mobility twice, having to relearn to walk twice. Been completely blind for 2 years. I’ve suffered from surgical meningitis twice, and have had to have man made amnesia implemented as I woke up in mid brain and back surgery, and the doc’s had to force me to forget it. That lasted almost 2 years. As i have a lumbar shunt to drain excess fluid off my brain and it filters into my tummy as i have severe hydrocephalus (pressure caused by extra fluid on the brain). My last surgery I’ve had was when i was 24, and i swore that they would never touch me again. If they dont have it by now the then they aren’t going to get it. I’ve been home schooled and private schooled most of my life as I was never well enough to fully attend a normal school setting. However, I think some of that was an advantage as I am very intelligent, and I have a huge LUST for education and I simply cannot learn enough. I love to read and I almost always have a few books on the go. My most favorite book of all time is Jillians Cell. In many ways Jillian reminds me a lot of myself, a must read. If I don’t tell ppl this about me then they never know. I hide it pretty well.

All of this has finally caught up with me. I hate to admit it, and it’s hard to accept, but I’ve had to rely on Disability Assistance for financial support. I am making a mere fraction of what I’m used to. I’m not trying to sound ungrateful, but facts are facts. Plus being the person I am I have taken in my nephews best friend. I have raised my nephew as of 2 weeks old as his mother chose a different lifestyle that was not ok to raise children in or around. Along the way his bestfriend has become another one of my sons. To date he still lives with me, and I care for him in every way a parent would.

I have since saved my sister from the lifestyle she was leading, and her own living hell. Drugs had consumed her. I have finally managed to show her the light. She has now been sober for 4 years. As well I extended the same hand and guidance to a long time friend. She came to me needing help, and finally willing to accept help. So I helped. She to has now been sober for almost 4 years as well.

Here’s the kicker. Both my sister and friend are on Disability Assistance as well. By them sharing the rent of $1800 with me with each of us paying $600, ODSP has now after 3 years considered their rental portion as me collecting extra income. So now as of last February I have had my income reduced by $800 a month, plus pay an overpayment of $100 per month towards the $43,200 they now say I owe for my sister and friend paying $600 each towards the rent. I tried to appeal the decision, but I got nowhere fast. It’s sad. Even with the horrible state housing is in ,and the ridiculous rates being charged for rent I still got nowhere.

I now make $200 a month less than that of a single person without children. Even though the rent is $1800 and we each pay $600, I still have to pay Hydro, Gas, Water, Cable/Internet, Car Insurance, Cell phone (I cut off home phone and only use cell). As well i have 4 boys to care for. None of that includes me buying their clothes, necessities, miscellaneous necessities, school related financial needs, uncovered medical, etc. Nor does it include being able to provide groceries. Four boys eat like no other. As well I have a $150 payment a month towards me doing a Consumer Proposal to try to make paying debt off easier.

In total I reciece $927 from ODSP. I then recieve $1029 from child tax. That’s $1956 total income per month.

Let’s do some math:  $1956 monthly income

Minus

600     rent

300     hydro

200     gas

200     water

250     cable/internet

293     car insurance

150     consumer proposal

200     vehicle gas per month

200     diapers

150     just on milk per month @$5 per day

So I’m already at $2123 going out. That’s $167 more then my income, and I’ve not factored in clothing/shoes for my boys. Soon need new winter boots and coats. Medical necessities, which my one son needs something that monthly costs me about $100-$150 per month due to medical necessity. That’s no household necessities included. No school expenses. No miscellaneous expenses, and my vehicle has not had any service in over 2 yrs now as I cannot afford it. Most of all it does not factor in groceries. Which 4 boys cost about $800 on the low side to feed per month. As well my sister’s daughter is here just slightly under half the time, for which she receives no financial assistance for. Therefore, it falls onto me as well.

Now I’m a brutally honest person, so I will add that prior to Covid I was working 3 days a week under the table making $15/hr at 4 hours/day, so I was bringing in an extra $700 per month. However, I have not been able to work as of mid March, so that income is gone now as well. It was at least helping me to juggle everything a little bit better.

Here is some more brutal honestly. Once a week I am to the point of begging 2 or more utilities to either please turn their service back on, or to pls not cut it off. I cry everyday, I’m going 4-5 days not eating so to make sure there is more for my boys, I’ve begun washing clothes in the tub to not use as much water and then hydro to dry them as I hang them outside on lines I’ve put up, I never buy anything new for myself, I bargain shop for EVERYTHING, I save all change as I find myself counting it near the end of the month to buy bread, milk, hamburg, small stuff to get by really.

I want to work, but being as Covid is in effect I CANNOT find care for my youngest as there is NO available licensed caregivers in my area. Plus my mother was recently diagnosed with breast cancer and had to have a mastectomy. As well she receives weekly treatments. I am the only one who takes care of her and she needs me. Please please please trust when I say I have turned every stone and split every piece of wood for cutting corners and looking for answers/help. I’ve sold everything I possibly can of value that I own, I’ve cut out every extra activity that costs money, I’ve used every outreach program available to me, everything and anything you can possibly think of. But here is some more brutal honesty, I’m now to the point that I’m considering less respectful means of making money, which I don’t want to have to, but my children depend on me.

I’m not well, this is taking a toll on me. I’m not eating, I don’t sleep, I’m crying (although hidden from my boys) more n more, I’m becoming extremely depressed, I feel beyond alone and lost, my hair is falling out, my skin is going dull and breaking out, my nails won’t grow, I’m beyond tired. Oh goodness I’m soo tired. My stomach hurts every day, and I think I’m in the beginning stages of getting ulcers, I can’t focus.

Most of all I am finding it harder and harder to smile. I just want feel normal again. I’d just about give anything to feel a bit of relief, and to not have to fight soo hard all the time. Something has to give. This CANNOT be as good as it gets for me. I’ve always done what’s right, always stood strong where others ran, or hid, and I faced mine and others responsibilities. I have always believed in the good humanity has to offer, and I try my best to remain positive. I know someday I will look back on all this and appreciate the lessons. One things for certain I will definitely pay it forward when I finally make it to my comfort zone.

It’s just now, right now, I have finally come to terms with the fact that I need to ask for help. I have to ask for the sake of my beautiful baby boys. They truly are such wonderful boys, and they deserve my efforts no matter what they are.

I know this was a long read, and for those who took the time to read it I AM MORE GRATEFUL THAN I CAN EVER EXPRESS.

There is much more between all of that, but those are just the big unfortunate circumstances that have made the most negative impact as of late.

May everyone stay safe during these trying times, and stay strong.

Much love, 

Meliss

Ps. I tried to attach a few pictures of my overdue bills as proof of urgency of need, but I kept being told the file was too big. However, should anyone need or like I can personally email them if requested.

As well y PayPal link is as follows:

paypal.me/melsharpe37

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Struggling Mother, can’t afford anything

Unfortunately my family has become victims of scammers. Our bank account reads -$1,700!!! I am running out of diapers and wipes for my poor 1 year old son who has been effected by this dilemma. Food is running short and I am currently trying to stretch it as much as I can. My son cries when he’s hungry so he gets fed. He is starting to develop a diaper rash because I have to try and stretch the few diapers I have left. Bills are piling up and my only choices are to either wait it out and try not to spend anything for the next month or two and let the bills add up. Or keep overdrawing my bank account and risk the serious consequences of them taking everything I own. The overdraft fees are adding up day by day. Honestly as a mother I try to be the best I can for my little but I am starting to lose hope. My son is my only sunshine in my dark life and he is my reason to keep pushing forward but I feel like I am failing him miserable. My heart is breaking because he doesn’t understand but as a mother I cannot let him go without. I have stopped eating so I know I have food to feed him. I have no parents to ask for help, my father passed away when I was 16. He was sick my entire childhood and I had to grow up to take care of him and the house since it was just him and I. My siblings are way older than me and didn’t live close by. After my father passed I had to move in with family that I barely knew. When I was 18 I moved in with a family member that I thought I could trust and I ended up homeless with no money and not knowing when I’d be able to have my next meal. I have since come so far and now my son is my literal everything. I don’t mind going without since I’ve been through it before but I hate that my son has to go through this. I guess the good thing is he’s too young to know, at the same time since he doesn’t know I can’t explain anything to get him to stop crying when he’s hungry, I just have to find a way. I am not asking for someone to pay off my debt , I would just like some help getting by. I am losing hope that I will ever recover from this. The only thing that keeps me pushing forward is knowing that even when I have nothing I know no one will love my son like I love him. As a mother I have to find a way. I cannot give up! I can included a picture of my sweet son. Any little bit would help. Thank you in advance.

My PayPal is paypal.me/loribeth0

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Food/hydro bill

Hey! My name is Jen and I am a mom to 3 amazing little ones. I have a 6 year old girl in grade 1 who absolutely loves school. She also loves talking, mostly about healthy fruits and vegetables.(and farts😂)

My son just recently turned 4, and he is amazingly wild and crazy, but also has the sweetest side to him. He is to start JK this week finally after approval from the school to let him attend in a pull ups because he’s not fully potty trained🙄.

And finally my youngest is just 9 weeks old. She is as amazing as a little baby can be. Just recently my daughter started smiling, I’m just waiting for her to find her little voice to hear her laugh.

Unfortunately life has gotten the better of me. At the beginning of August I had to take my dog to the emergency vet and ended up having to have her put down. That bill came to just under $900. That’s 1/2 of my income. That pushed me from already struggling to about to have my hydro shut off.  Not only did I fall behind on bills (hooray for a $1500 hydro bill😳) but it out me behind on my ability to keep food in my cupboards. I typically rely on eating toast and peanut butter or eggs and toast and then whatever is left after dinner when my little ones have finished. I couldn’t tell you the last time I drank something other than water. Juice comes in boxes and is for my daughters lunch. Somedays she doesn’t even get one, just water. Her school used to have a lunch program so I didn’t have to worry if I didn’t have enough to send in her lunch, but due to Covid-19 the program is not running. I do my best to breastfeed the baby but I’m having to supplement with formula so I’m able to get help from friends and family with feedings to catch a little break sometimes or just so I’m not feeding for hours and we all sleep just a tiny bit better. I’ve never formula fed so this is a new expense that I wasn’t prepared for. Baby also had a reaction to Pampers diapers and we had to switch to Huggies, I had stocked up on Pampers as thats what my other two children always used so now I have like 10 packs of diapers up to size 2/3 that we can’t use or return. But I still need to purchase the correct brand now. I can’t keep up with the amount my kids ask for snacks, I had to padlock my cupboards to keep my wild child out. He’s a counter climber and really does “need a nack mom” all the time whether he’s allowed to or not.

I use the local food bank when I can and sometimes we pick up meals at at the blessing center, but I try to avoid having to take my children to have to see some of the things you never want to have your kids see.

I’m just needing to get caught up, to get back to a place where I don’t have to worry what will happen next or how I’ll get through the month until a little money comes.

https://paypal.me/jennymo791

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Single mom in school needs help!

Hi, my name is Vicky and I’m a single mom from Mississippi! I recently graduated from college and am a teacher ( 35,000 $ a year) not much money in Mississippi. While obtaining my degree and raising a child on my own I obtained quite a bit of student loan debt and credit card debt as well! As of right now I am past due on my credit card and my student loans start in December with a payment of 200$ a month. My car is falling apart and I’m paying 200$ a month for that and it’s not even safe and we live in and apartment that I manage to pay for myself without being on any type of assistance because Mississippi claims I make above the poverty line. I have been receiving insufficient fun notices and getting charged 30 $ so I go even more in debt. It has been a huge struggle to try and pull myself out of debt and being able to do that would mean a fresh start me and my daughter!

My monthly bills include

car- 200

rent-850

Insurance-80

daycare-400 a month ( I have no one to watch her my parents are sickly and she would be a handful for them plus they don’t have very much money either, living off of social security).

food- what we can afford

credit card- what I can afford to pay

Student loans- 200

totaling that all up would just about be exactly what I make a month. It is so hard to dig yourself out of a whole when you’re so far deep into one. I thought after college it was going to be a new start for me since I came from nothing but that’s not what happened. I had a child that nobody else helps with and that I planning on showing that she can do things on her own I just need a little help. Most people have someone to lean back on when they are stuffing like this and I’m hoping this website can be that for me.
Ideally I would like to pay off all of my debt but I do not expect that by any means! ANYTHING HELPS and will go to paying this up/ off so that I can have a new beginning. I am just trying to be a great mom and I don’t feel like I’m doing too great at it!

If you would like to help my PayPal is PayPal.me/vickyj03

I can honestly say this money will go to paying off debt and staring over fresh.

thank you in advance.

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Single mother of two. Got stuck abroard during Covid. Lost my job.

After my grandfather passed away I went to stay with my grandmother for a few weeks so that I could help her out around the house. She’s 85. I took my two small children with me, We ended up getting stuck abroad for 7 months. During which time I lost my job, exhausted all my funds,  had to sell my car and give up my house as I could no longer afford either.

We are now back safe and sound but as we were homeless we had to stay with my mother for a further two months until I could secure a new house and job.

I managed to get a new house but I am still tirelessly looking for work. Hardly anywhere s hiring because of Covid.

With bills and debts piling up I feel like I am drowning. My children and are in desperate need of money for furniture, clothes and food. Our new place is completely empty and we have no clothes for winter. I am down to my last bit of money so I am praying someone can help. I am hopeful for the future but right now we have nothing.

I have always been a “shirt off my back” kind of person. And now that I am desperately in need, I thought I would see if the kindness of strangers still existed.

 

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Permanently Affected by COVID-19-Single Mom Of Special Needs Boy

In April of this year 2020 my life changed drastically. I had contracted Covid-19 from the restaurant I was working at. For two months straight I was very sick and it developed into pneumonia. On top of this, I am a single mother of 10 year old boy with special needs )ADHD and High functioning Autism). I was laid off from my job indefinitely due to the schools being shut down and even after I became better, I could not return to work because of my son. Fast forward to the present he is still not in school full time, daycares are not available so it has been impossible to find a job with everything going on. In order to turn my situation around I want to go back to school for Cosmetology to do hair and nails. I have always been everyone go to girl for hair and nails. Not only do I want to have a career in this but also open a salon to create jobs for my community. As well as give back to the community. Unfortunately financial aid does not cover this entirely. Any type of donation is so greatly appreciated and will be helping on so many levels. I am far from lazy person, I have worked since I was 14 years old and 33 now. These are uncharted times. If someone would like to just directly donate money for my schooling please contact me as this is even better option. Just a single mom trying to recover from this year and gain employment and provide for my son and others. Thank you all in advance so much!

https://www.paypal.me/jackiem0987

 

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Single mom and in debt

Hi all, my name is Patricia, I was married a few years ago but then my ex husband got in an extra marital affair with a woman he worked with. He would choose to work the same shift at night with this woman and everytime he worked a night shift his underwear will always have white marks and if he wasn’t working this woman would send him messages on his phone in the middle of the night and before he answered her he would look to see if I was fast asleep.

This woman was sending him pictures in her underwear and I confronted my ex husband about it and he said she was just showing him a tan that went wrong, but I was suspicious all the same. He couldn’t handle well his cheating habit that he used to take it out on our then 5 years old son to the fact that our son was scared of his own dad even though they used to have a great bond.

One day when my ex husband came back from work I asked him to get the rubbish bins out for collection the following day, while he was doing that I checked his phone and saw the last message this woman had sent to him telling him that both of them don’t want the shift to end because of the love they have for each other.

I couldn’t handle the deceit that I drove straight on to an oncoming truck to end my life and stayed in hospital for more than 2 months and he even took a week holidays to Spain together with the same woman while I was in hospital.

When I came out from hospital I tried building my finances together and applied for a loan and tried to get someone to help me have some luck to win the lottery and they asked me to send €10000 I had borrowed and told me that I was going to win €130.000000 jackpot at the time. The person disappeared without fulfilling my wish and have to pay the bank their loan back and it has left me struggling day in day out. If there’s anyone out there who is willing to fulfill my financial cause I would greatly appreciate and hopefully I can set up a scarce resources business in my semi rural town and bring the products to people in my town and save money and time to travel out of the town for the resources that I can bring to their doorstep.

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Trying to keep the ship afloat

Genetics are a funny thing. I am blessed with some interesting ones for sure. They make me who I am but they also make my body a big glob of pain and frustration.

At the early age of 17 they started to set the stage for what would eventually lead to a complete overhaul of where I thought I would be in my mid 30’s. As a junior in high school I was diagnosed with poly cystic ovarian syndrome. There is no cure, very little chance of having children, a lot of hormonal problems and great risk to develop type 2 diabetes. Really? I am 17. What the heck!?

Fast forward to the age of 23. I am working full time. I have been in such horrible pain that I cannot even turn my head and moving around is brutal. As I am dealing with the pain and seeing numerous doctors to determine what is wrong, I had two grandparents in the hospital dying. My grandfather died within a few months from a brain tumor and I was the only one by his side when he died. Then my grandmother, who I was so close to passed away 6 months later.

I was in the doctor’s office being told that I had fibromyalgia and chronic fatigue syndrome the exact hour my grandmother passed away. That loss was very painful for me.

This is where genetics plays into my story. My grandmother that passed away was my twin. And I don’t mean we just looked alike. We literally were the same. Our looks, our skills, our habits and our medical issues were exactly the same. The joy of genetics!

I was fortunate enough to have a child at age 29. I had gestational diabetes through the pregnancy. I even got shingles when I was 7 months pregnant and again when she was 3 months old.

Fast forward to present day. I am now 35 years old. My daughter is now 7 years old. I am happily divorced. I have had 5 surgeries. And I have a lot of boxes to check on all those mindless medical history forms at doctors appointments. Here’s my list:

  • PCOS
  • Fibromyalgia
  • Chronic Fatigue Syndrome
  • Restless Legs Syndrome
  • Depression
  • Anxiety
  • Panic Attacks
  • Insomnia
  • Sleep Apnea
  • GERD
  • Diabetic Gastroparesis
  • Precancerous Colon Polyps
  • Osteoarthritis
  • Type 2 Diabetes
  • Migraine Headaches

Most of the time health professionals read my paperwork and are shocked. I am always having to tell them that I was blessed with some interesting genetics.

So now that I have given you the background here is why I need help. I am finally making an effort to apply for disability. I have worked my body into the ground. This little engine that could no longer can.

Disability approval can take up to 24 months. I have not worked since January 2020. All of my money is gone. How can I survive? How can I provide for my greatest blessing, my daughter?  My family is not able to help and I have exhausted every option that I have. So I came across this website and decided to give it a shot.

If my story tugs at your heart please consider helping me. I really need help. I will gratefully accept any amount of financial help. Realistically, $2000.00 would go a long way to help me keep my ship afloat. But anything helps.

Here is my PayPal link should I be blessed with help: paypal.me/kynnsmommy

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Divorcing with two children

My husband and I are getting divorced. I am completely devastated and my heart is broken but knowing that I have to tell my two children is just shattering to me.

We have been together for 17 years and married for 15. He longs to be with someone else and I cannot force him to stay with me. When we first met, I vowed that I would never get married and have children because I grew up with my parents divorced and they both got remarried and had more children. I have been left out and never felt like I fit in anywhere until I met my soon to be ex husband. He made me love him like I never expected and I did get married. We have two beautiful, kind hearted kids. A son and a daughter. They are 8 and 15 now. I feel like an awful mother now that I will have no home because I cannot afford to pay for our house on my own. I also have a car payment that I cannot afford if I have a house payment. I have been a stay at home mom until a few years ago and now I am making only a little more than minimum wage which is going to make our lives a complete struggle. I know this divorce is going to hurt them more than ever and I don’t want them to be without me because I cannot afford a house for us. I am not needing anything big. Just a small house that the three of us can call our own when they are not at their dads house. I am hoping you can find it in your heart to help me, even if it’s a small amount. Anything will help. I want the best for my children because they mean more to me than life itself and I’m struggling to keep myself together for them.

I want them to be able to live with me half of the time and also with their dad half of the time. With me being able to provide them with a house, they will be able to do that. I am asking for help more for my kids than for myself. Yes, I would love to have less of a struggle with this whole situation but what I really want is for my children to feel safe and secure no matter what parent they will be with. Thank you for taking the time to read this and I really hope you can help us. These two children deserve the world and I feel like I have failed them as a parent.

paypal.me/Cthompson0805

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Struggling Single Mother

Hello, my name is Bethany Melancon, and I am a essentially a single mom who is in dire need of financial assistance so I can reclaim my life and generate an atmosphere of stability for me and my 9 year old daughter Emily. Her dad is a meth addict, and I can’t take his chaotic behavior and emotional instability anymore and neither can Emily. I’ve been trying to figure out how to get away from him for the past year but not only does the system not make it easy, but I am definitely in poverty to begin with having no car, and having to deal with pest infestations and may others things that make is REALLY hard to just focus on increasing my income with working more hours…
At this time, I find myself at a friend’s house in a transitional housing situation as my husband literally said that he won’t leave my apartment even though he promised to before because we are involved with CPS and I NEED to leave him for real right now!
I just lost a job, but got two other offers so not only am I having to figure out where else I’m going to live or get a lawyer to evict my husband, but I find myself in between jobs. I don’t doubt that I will have a new job secured within a month and at least I have my 2 side hustles right now (better than nothing only good for around $300 a month), but in order to reclaim my life financially right now, in actuality I would probably need at least $1,500…
My cats are with my husband and I don’t know what I’m going to do with them as they are feline leukemia positive and incredibly difficult to adopt out and they are in need of around $400 worth of medical care right now too so I guess that raises the minimum I need to around $2,000. That sounds like a lot when I type it but I turned to a site like this because I am find myself desperate and I REALLY just want to live a normal life with my angel (she’s had to deal with the fact that her dad is an addict for her entire life so far and there has been SO much strife and permanent trauma…) and I want the best for my cats as my husband just trashes and neglects the house until there are maggots and roaches on things when I’m not there. I currently have most of our clothes rotting because I have no money for laundry. That would be like another $50… Just around $2,000 is when I need to pull out of this crisis…
Thank you and God bless anyone who reads this and even considers it for a single second… Thank you…

My paypal is paypal.me/BethanyMelancon

Here is a picture of the shelter I needed to go to with her last year.WIN_20191112_21_45_58_Pro.jpg

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Please read x

Hiya ,

I’m not going to give a full life story as I believe everyone has had a hard bad or upsetting trauma through there lifes and mine has been very crazy to say the least so just a brief  or il be writhing a book ! ,I am one of them people I’ve not had a great life from the start my father died when I was very young, my mother ended up taking drugs and abandoning me and my siblings ,they all went on to take drugs and live that way of life I moved away from London at 14 years old fended for myself went to college worked in a nursery , school and children’s play area for many years, I had 3 children with my first partner who ended up being violent for many years I got the courage to leave and was getting my life back on track ,I then met someone else and had another 3 children with him but he ended up going down the wrong path cheating and being abusive and stealing from me so I got rid of him and carried on with my life I was determined not to let my past and these people ruin me as a person and prevent me from bringing my children up with love and respect and knowing right from wrong, I eventually met someone who was a childhood friend but had not seen for a very long time, we ended up together and I could not ever of imagined to have had what we did ! He was so kind respectful he adored me and the children ,he worked every day and as soon as he came home he just wanted to see us and be a family with us ,we decided to marry, my life was perfect!!! ,but the middle of March just before the lock down he was taken from us, I still struggle to sleep and eat now why someone who loved us so much? Some one we loved so much, the kindest most amazing man alive just took away from us ,since losing him we have struggled with everything I’m left here broken hearted trying to be a mother ,while my heart is just torn to bits , I’ve always prided myself on never having to ask for help ,since all of this has happened we have been relying on food banks and selling things just to get food on the table and be able to survive ,I’m slightly ashamed of even writing this but my children are my life and If I have to beg for help for them then I will do that ,I’m not looking for a certain amount of money or expecting anyone to just say oh poor you here’s money, that is far from what I expect but at the same time I believe it is worth a shot and even if I don’t get help I’m in no worse position then I already am I will continue to try and be the best person and parent I can , Thank you for reading this,( if you do feel like you want to help which would be greatly appreciated

paypal.me/ambercheyenne  )

Once again thank you for your time :) x

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Just trying to do right for once.

I came across this website by looking at ways to get help. I am at the point in my life that I am willing to give almost anything a try. I am reaching out to try and get help with just bills. I am a mother of four kids. I am currently on disability and receive a total of $1102 in benefits every third of the month. My oldest is 24 and does not live with me, she is currently in school to earn her Master’s degree in Healthcare Administration at Texas Tech. My 20 yr old, just moved out after we got into a fight about her life, I know I should let her learn on her own but I am just trying to get her to not make the same mistakes I did. I stay up and worry crazy about her, I just want her home and safe, but she’s just not ready to come home. My 17 yr old is a Junior in high school. He is a straight-A student, he has been since 5th grade. He also does dual credit for his college credits and is looking for a job. My 10 yr old is in 5th grade and is my baby. I know many moms would say this but my kids are just great, they deserve the world. Honestly, they deserve a way better mom than me, but I’m what they got. I am a 39 yr old, bipolar, recovering addict, rape survivor, domestic/financial/emotional/mental abuse survivor, who is finally just trying to do what is right, but I am struggling. These kids deserve so much better and I am trying to give it to them but I am failing. I don’t receive child support, my two boys’ fathers haven’t paid in months. My younger daughter’s dad stopped paying when she turned 18, and my 24 yr old is the product from rape. I was a 14 yr old virgin, and to this day, no one has been charged for it. I don’t even know who it is, the sad part is, it happened in a really small town, it literally could be anyone. I never saw his face, plus at the time my parents didn’t believe me, so not much was done.  I was diagnosed with being bipolar at 35, if I would have known when I was younger and been medicated, I think my life would have been so different. I just justify it saying if I didn’t go through what I went through I wouldn’t have my amazing kids. Well, that’s how I see it now. I didn’t always feel that way, it took two suicide attempts to get me to change my thinking.  My life changed after that. I got help and medicated and religion. I am so thankful that my kids have forgiven me for my past and are allowing me to show them I want to be better. I have been doing good. I struggle but I have always been able to float by, not this month, I’m sinking. So, this is where I come to ask for help. Any help. I am okay now mentally and at a C- emotionally, but financially I am at an F. I just want to pay my bills, not get behind, and be okay. I have credit cards and loans and pawn and my reoccurring bills. I am just trying to pay everyone I own and I just can’t do it anymore. I’m lost.

paypal.me/mbwa2126

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Working mom, baby boy and elderly parents, in dire need of financial assistance

  • 8F31E46E-700C-47AF-A2E6-4167CE2041F1.jpegFBA5AAE5-154D-4BA4-A0D6-83BE09C87D17.jpeg22311CD4-CA24-4E23-BDC6-AED043D22FDE.jpegFA2903EB-AB24-4ECB-94FC-1F90DFA18DC7.jpegWhen the pandemic first began, I was truly lucky to have a job that I was an essential worker, but I had to take life very precautious, and mindful because I had a very round son at him who was at the time around 4 months old. I work with the public and I knew it was risky but I had to pay bills and keeps my family happy. Then, my elderly fam there who had currently been taking care of my elderly mother who has multiple medical issues, including a massive stroke only a few years prior. But my father was still at this time about being strong for us and continuing to help my mom, even though he was silently suffering. It ended up being a dire need for my father to have major back surgery and the only person available to be there to take care of my family was of course me. Instead of working my normal full 20 hours a week plus lunch tips, I had to take a leave of absence for FMLA, which means nothing to a family owned business. So I am now currently working one day a week, I don’t have anyone to watch my son but me or my mother, and my mother was getting more tired and sick and now my father was forced to use a walker or wheel chair, to even get up to walk short distances. I have never seen either of my parents in this type of physical agony.
    Now that my hours had been but at work, I applied for partial unemployment to help me catch up on bills for myself and my family. I was denied unemployment and to make things work I was stating up days and nights, alert for my parents, But also using what ingredients I could find in our cabinets to make homemade baby food and since my baby, was 3 weeks early. I am so overwhelmed at this point, I slept less and less from trying to make money, my bank account went into the negative and I couldn’t keep up anymore. I was working one day a week, barely making any money and I had to still care for my elderly parents and young son, keeping myself as was smart and cautious of everything I did from those moments on to avoid getting sick. In 2016 I ended up being sepsis in the hospital with an infection in my spine which later caused me to completely stop working because I had a very delicate and sick body, and it took me years to get my stamina back up so that I could work and eventually pay off my $300,000 in medical costs (including the cost of physical Therapy and my meds and my specialist doctors since I also started having seizures and after many tests, it turns out that I am epileptic . Thankfully I did not have a young child then and Covid had not become the pandemic that it is today.
    So after all of my mental and medical health problems In my life, I eventually had a beautiful baby boy and his grandparents on his dads side lived all the way in Mississippi, so I was working one day a week, with a negative balance in the bank and I’m struggling to take care of myself and my family. The stimulus check helped for the time being but now I am in even more debt, my father can get around better so I picked up as many hours as so could at work but I can’t get myself out of this hole. I’m afraid everyday so will spread Covid to my parents or son because of working with the public, but I have to work. I’m in dire need of financial help to get my medical bills and utilities and food paid for so that I can get out of the hole and start saving money. This is my last resort, I do not come from a wealthy family or make enough to survive and I am thankful to now be on Medicaid, but that doesn’t cover my bills from my previous years when I almost died and then had back surgery at the age of 28. It’s physically hard for me to work but I do it because I have to, I still take my dad and mom to all of their doctor appointments and in between I see my son and the debt haunts me. I’m afraid I will never be able to buy groceries again or end up bankrupt, which I do not want to do at the age of 33. My parents and my son and the rest of the family need me to survive, and I can barely take care of myself.

if you have any extra to give, please donate, if not for me, for my son and parents.

PayPal.me/amcavicchio

Baby boy, Help, covid, elderly parents, debt, surgery,Pandemic,USA,hours cut at work

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Single Mother in Need of Assitance

Hello, so I am a single mother of two children. I recently had to relocate due to domestic violence. I had everything on track bills were paid and then Corona virus happened. My kids were out of school but It wasn’t a big issue for me at first because I transitioned to working from home. I had a savings account and I was about to buy a car so I can have extra income coming in with the car. Then My childrens father just made matters 10x worse. It was horrible I had money stolen from my accounts. My emails were hacked. I had to move from one side of town to the other. Then I got sick and was out for a while. Unfortunately I got sick twice with one time being the Flu and the other time being Covid 19. I had to struggle with trying to escape this crazy man who was diagnosed with PTSD and Anxiety and Depression. Going back and forth to court for orders of protection and also it took me forever to move because of all of these things holding me back. Everything was fine and my world just turned upside down. Now the kids and I are in a new apartment not to mention I have a cat and a dog. The old apartment I was in construction work was started on the building and we had to live in it causing a horrible infestation. SO I wind up leaving most of the furniture and taking only beds I couldn’t even keep the chairs. When we eat here at the new apartment we have to stand up. My whole savings account has been depleted. I have taken a total of 4 leaves of absence from my SEASONAL job. This last leave I took because the kids are back virtual learning but they are in junior high school now, they are twins. My son is autistic so I knew it would be very frustrating for him going back. Now for virtual learning the schools are suppose to give out laptops or some device the kids can work on. My daughters school gave her a laptop but my sons school has yet to help him he is working on a iPad that is so cracked and broken that he can’t even hold it properly and we can see the inner portions of the iPad. We’ve told the school over and over he needs ANYTHING but they have yet to assist. I have tried other ways to see if I can make an extra income on my time but its hard having two young children and figuring out when I can work the second job. I see a therapist and I have told him how overwhelmed I am constantly and he prescribed medication for my depression. I am constantly trying to make ends meet and trying to make sure food is on the table. At this point I am desperate to get out of this hole. My kids use the internet for school this month I can’t pay the internet bill I was hoping I could get more time and if it does disconnect I can use my phone as a mobile hotspot but unfortunately my phone bill is due ass well and I can’t pay that bill. I have filed for unemployment applied for public assistance and nothing is working fast enough. I feel like $1,500-$2,000 could help me get my bills back on track and stock up on food for my house and I was gonna look on free websites to see if I can get a table for my kids to sit down and eat. Honestly anything would help me out. Anybody who knows me knows I am constantly working. I always have a job and I do my best to provide for my two children. This struggle is very hard. I just ned a little bit of help and I will be able to get back on track,

my paypal account is paypal.me/KeyanaW92