I am here asking for donations to help me fund my Certification to start my business . I am a single mother of two . And I need help raising 10,000 to get my equipment and certification. Life has been hard being the only support for my boys . This would be a life changer to me and for them . Allowing me to be flexible for their needs.
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.
Single Parent Debt and the Road to Recovery
From the bottom of my heart, I would like to start by thanking you for taking the time to read my request for help. I hope that this message finds you and your loved ones well in these uncertain times.
As a parent, we always want what is best for our children. Having raised my son alone (since becoming a mum at a young age) I’d like to think I have done a reasonably admirable job and my son is always at the forefront of all that I do. Which is what compels me to write this appeal seeking your kind assistance.
I am not ashamed to admit that I suffer from more than one debilitating mental health condition which means that I have not been able to maintain employment since I was 19 (which I find particularly frustrating as I had always worked alongside my parents as a child and then independently throughout my teens). I have worked hard over the years in various therapies to ensure my mental health is stable enough to take good care of my son but, unfortunately, I have never been well enough to withstand the additional pressures of employment.
Thankfully, I have been able to manage some small voluntary roles in my local community throughout my son’s life and this helps me feel I am contributing back to society in some small way. However, it does not aid my financial situation and we get by on state benefits – for which I am eternally grateful to receive but sadly does not stretch very far beyond the necessities.
Further contributing to my difficult situation is the sheer volume of debt I accrued when I was a young, single parent living alone with mental health problems and absolutely no concept of money management. My mental health conditions further compounded the debt problem I found myself in (because I spent years unable to open my post) and it left me with a huge amount of debt to my name.
Thankfully, with the help of a wonderful therapist and some exposure therapy, I was able to start opening my post a few years ago and have steadily been paying off my debts. Where I once had debt exceeding £6000, I have now got it down to just under £3000.
The reason I have shared this information with you is to explain some of the barriers I have had in both learning to drive and purchasing/ maintaining a car. Until such time I repay all my debts, I cannot afford to purchase driving lessons, a vehicle or pay for insurance and car maintenance.
As I mentioned at the start of this appeal, my son is my whole world. He is an exceptional child who always works hard and does his best both academically as well as in all his sporting endeavours. He is particularly talented at football and at a young age has shown a level of dedication to his sport that I admire greatly.
My role as a parent is to facilitate, to the best of my ability, helping my son to achieve his goals. Unfortunately, as he grows older, I am finding that not having a car to help transport him is limiting his access to further training in the sport he loves. His hard work and dedication earned him a place in two football development programmes (the precursor to football academies) in the year before lockdown.
But what makes my son even more remarkable is that he suffers from a hypermobility disorder that means he is often in a considerable amount of pain, especially after intense exercise. Despite this, he has a fierce desire to pursue his passion for football. Sadly, I had to make the difficult decision last year as a parent to remove him from one of the development centres. This was because it was a one and a half hour bus journey home, late at night when he was more often than not freezing cold/ wet and in considerable pain. This meant getting home very late at night and not leaving time enough for him to do his physio exercises, take a hot shower and massage the pains in his legs (which he needs to do before bed or he is in too much pain to attend school the following day).
However, if we had a car it would mean that he would not have to endure such a long journey home late in the evening (the training is only a 16 minute drive away in a car) and would give him time to carry out the self care he must do in order to reduce his pain levels when he gets home. This would mean he could resume the training he worked so hard to earn a place at.
A car would also be hugely beneficial to us as then we would not have to take public transport to his weekend matches and development centre training/ tournament days (which can also be a substantial distance on public transport). As life returns to some sense of normality following the Covid-19 pandemic, a car would make our life considerably easier all round, especially during times when my son suffers intense episodes of pain associated with his hypermobility disorder.
Which brings me to my bold request for your kind assistance. If you felt willing and able to do so, I would be eternally grateful for any financial assistance you might be able to offer in order to help me pay off my outstanding debt and secure the purchase of (and first year’s insurance on) a small car please.
It is my intention to put in the hard work to save and pay for my own driving lessons. But I can only do so if and when my debt is cleared. It would also be immensely helpful if I had a fully insured car in which to practise driving in preparation for taking my driving test (a friend has kindly agreed to help me gain driving experience if/ when I can purchase a car).
Clearing my debts and buying a car would go such a long way to drawing a line under years of feeling like a failure and moving our lives on to the next, debt free and independent, chapter.
In total, my request is for your financial assistance amounting to £5,500.
£3000 would repay all my debt; £2,000 would cover my first year’s car insurance (this is an average from quotes I obtained on compare the market.com); and the remaining £500 would be to purchase a small car.
I appreciate this is a huge request coming from a complete stranger and I am certain that there causes out there which are more deserving of your valuable time, kindness and generosity. However, my son is my whole world and my pride is a small price to pay if writing and asking for your help might mean he has a better chance of following his dreams.
I’ve spent almost a decade trying to undo the financial mess I got myself into when my son was young and I feel now is the right time to reach out and ask for some help over the final hurdle. I really hope you might please consider being the person who could provide this help for my family.
Whether or not you are able to assist in any way, I would like to thank you sincerely for your valuable time and consideration that has been taken reading this request for help.
Wishing you all the very best.
Amber
paypal.me/moonrise19
Mother of 3 hiding from domestic violence
Hello everyone. I don’t know who will see this but please I need your help so bad.
I came across this site after almost trying to kill me self again. Why?
I am a mom of 3 children. I was married for 15 years to a man that I didn’t know he was alcoholic and abuser.
For 15 years I lived in fear, beaten, abused and … you may ask why not run. I didn’t have any family here, no financials and he was controlling my phone, what I was eat, and who my eye got in contact with. He Burn me with hot water 2 times and beating was my everyday life. I will sleep in the bathroom almost every day. Last year November 2019 was the hardest year but thank God I got help. It was a Friday morning when he ask me for money, I said I didn’t have any. He got very mad and push me on the floor and start to choke on me. I fought so hard to free my self but at some point I just let go because I felt like it for the best. I told my self at that moment death it better that living with him. Just before passing out my son came from his room because he heard us and jump in and start fighting his dad to save me. Son(12 years old) at that moment my 9 years took the phone and call the police… (the abuse was not only on me but on the children as well.. I can’t even write everything) at that moment the police came and we were taken away to a safe place and he was taken in. Threats from his family started to come in. They were saying that he didn’t kill me why he has to be in jail? They threatened me not to press charges….. long story short… After getting help and finding a place,, he found out where we were leaving. We run away and in hinding until now. It is really getting heard and I got the point of wanting to just go back and endure the abuse because I don’t have money or financial help.
I am hiding in a basement of a friend and sharing the bed with the kids. It is really difficult to feed them and dressing them. This winter we spent it without even jackets.
My friends was giving us her place temporarily. Now I have to find a place and she was the only friend that was not his friend and I was feeling safe.
We are in a car that I haven’t pay for the past 2 years and I fear it will be taken away and we will be sleeping outside.
I lost my job because I am in hiding, my small business that I start I lost it too. He destroyed that one.
In the past 15 years I try to commit suicide 3 times but it never work. I always wake up after the attempt. I know now that it is not the best solution, but I am really, really out of options. The only refuge we have is the car but they are looking for it too.
I know going back will guarantee my death but what to do with the kids?
Please I am writing to seek some help.
Please please please am begging for your help. We need everything. Me and my 3 kids.
A place to live, clothes, food, money, job…….. and with the pandemic, it super hard. I don’t even have a laptop to work.
Please, pretty please find in your heart to help us.
Thank you.
Recovering people pleaser, single mom of 3 :)
Hello, I’m not even sure where to start, I just know I want to change my current situation. I am a clinical pharmacy specialist at the VA Medical Center and love my job because I get to help veterans in some small way. I feel that it’s a very small act of gratitude for their sacrifices for us and I get paid to do it. I make a great salary and up until November of 2016 had no debt and a perfect credit score. I was partially homeschooling my children in a collaborative model private school, which I loved because I got to know my kiddos on a deeper level. My ex-husband and I separated in 10/2016 (almost 13 years of marriage) after trying everything I possibly could to make the marriage work. I know that I am not perfect and was willing to try everything to avoid breaking up our family and so that I would have no regrets. My ex-husband is successful in his career and in 2012 after I found out that he had cheated on me, he blamed me because he was too stressed because we both had a full time career and 3 small children and that if I was able to take care of everything at home, that it would make him less stressed. At that point, I gave my 2 weeks notice but stayed on intermittently at the VA so I could take stress off of him and started counseling. Time went by and he became verbally and emotionally abusive, and destructive with regards to personal property (throwing, punching things, etc), tore me down in every aspect of my life and all the while dealing with my daughter’s autism diagnosis. In 2013, he threw a spray bottle through the living room window and I told him to get out. He moved out into an apartment and he went to counseling to work on his aggression and after 6 months, it appeared that things had drastically improved and we moved back in together. He stopped going to counseling and after 6 months, he went back to the verbal and emotional abuse, then started the physical abuse. After an altercation involving my oldest son, I told him that I was done and started the process to divorce. We did try counseling together and individually, but in the end, the counselor told me that it would be “utter ruin” for me to stay in the marriage because of his personality disorder. It was messy and found out about more affairs, but once I finally divorced him, I felt a weight lifted. I was done trying to fix something that only I was trying to fix.
Without full time work history, it was hard to find someone who would rent to me even after I went back to my full time salary, but found someone who agreed as long as I gave 3 months of rent in advance. I had to withdraw alot of my retirement and use credit cards for the first time in years to start over. My ex remarried 1 year after we divorced and for the past 3 years has attempted to make my life hell. I had met an amazing (imperfect but perfect for me) man that I ended up getting engage to, but due to how my ex handled things with my kids, it made any other relationship extremely difficult. Now I’m just focusing on my kids and how the divorce and the discord caused by their dad is affecting them. It was too much for me to juggle all of it even though I love this man with all my heart, I had to let him go for now. I know if it’s meant to be, then we will find our way back to each other.
I feel that it is important to understand the back story to understand why I am asking for help. I am stuck in this house paying rent that is too high for me now that my ex fought to get child support taken away from me, saying that I make too much for him to give me child support. I have back owed taxes from 2017, because for the first couple of years while he was paying me child support, I let him use the kids as dependents on his tax return and ended up owing about $12,000 which I’m still paying on. Still have $100K in student loans (started with 175K) but during our marriage we focused on paying off his student loans then the other higher interest debts. I’ve had car issues and credit issues and now my credit score has plummeted from excellent to poor and I have the income to make monthly payments on a mortgage if I had one, but I can’t free up enough cash flow to save and I’m not able to borrow anymore from my retirement account.
I just want to get into a house with some land (which I would eventually use for my non-profit) and clean up my debts/credit score. I am a good person who always gives and helps and now I need the help for me and my kids to get back on track.
What I need to pay off all debts would be almost $200,000 (which takes care of student loans, IRS and credit cards) and then to buy a house around $500,000, whatever it would take for a large enough down payment to keep my payments at a reasonable amount.
Thank you for your consideration. It would mean the world to me and wouldn’t be wasted. 
Stressed out mom
Things have gotten bad and very stressful if I am here, doing this. I am hoping there are kind-hearted, generous people out there who would like to help out a single mom, drowning in credit card debt.
This is my story. I work 2 jobs, both are minimum wage or close to it. I work as a teacher’s assistant, helping out junior and senior high students, I love the job but I am at the top of the pay scale so I won’t make more. My second job is at Subway, making minimum wage and I won’t be manager there. Before the pandemic I had things under control financially. I was making all my payments and I wasn’t behind on any bills and I even had some savings. The pandemic hit and I was laid off from both of my jobs for 5 months. I used up my savings and used my credit cards to pay some bills and buy groceries. (I have a daughter that needs to eat). Needless to say I am maxed out on all my credit cards.
I have since returned to work but my hours have been cut in half and I and not making what I was a year ago. I am drowning I debt, I have companies phoning me to pay my bills with money I don’t have. I am hoping with your assistance I can pay off my credit card debt so I can start saving up to go back to school. Once my debt is paid off, I am cancelling 2 of my cards and lowering the limit on the other 2. I don’t want to ever be in this much debt again.
I want this debt gone so I can get training for a new job. I want I go into accounting or quality control, so I can eventually have my own business. I have always wanted to go back to school and since the pandemic, I have learned that I need to be better and strive for more. I can’t live on this wage anymore and I need to look out for number one. I want a better job (one job only) so I can pay my bills, save some money and have a life. Not working 7 days a week days and evenings and still have nothing to show for it. I own my own house and have paid off the mortgage so I know how to pay things off, but I am just so far in debt right now that I can’t see my way out without some help. If I am successful in getting my bills paid off, then maybe in the future I can pay it forward and help someone just like me, who just needs a little help. I appreciate any and all the help I receive. This really will change my life. The debt I am in is $30,000.00, any little bit will help.
Thank you again. I have attached a picture of one of my most recent bills, they all read the same, I’m overdue and I don’t have any credit left. I have 4 bills like this. From the bottom of my heart, thank you, I am so grateful to you, you really could change my life. Thank you. https://www.paypal.me/Lucaslyn
Freedom
Hi I am a survivor of both human trafficking and domestic violence. I fought hard and long for freedom and independence! I now have a baby on the way I’m looking to be donated 100,000 dollars for a new start for my baby and I ! W it to the money I plan on purchasing a car for transportation, buying new born items , paying for daycare and putting myself in college. It would be greatly appreciated because I want to be the best mom I can be . Because I will be doing this all alone .
My pay pal link is below
paypal.me/alana1125
I just don’t know what to do.
Hi
This is a little bit stressful to ask for help but I just don’t know what to do and I’m stuck in my current situation.
My name is Natalie and I am single mom of 3 years old boy.
Last year I’ve been a victim of domestic violence and when I reported my ex partner to the police and they arrested him, I took my son and we moved away.
My ex partner called our son only a couple of times after we left and he stopped keeping in touch and just left our boy.
When I was in relationship with him, everything was signed on my name, council tax bill, water bill, he didn’t have driving license so car was insured on my name and he was driving it and I couldn’t say a word… we took loan of £20000 (on my name) from my bank so he could pay off some off his court fine generated before we met but after years police was about to arrest him and I was pregnant so I didn’t want him to be arrested so I got this loan from the bank to pay his fines off…
I’ve got no support whatsoever from him or from my family.
I’ts hard… I was working in the factory and earning National minimum wage.. I was working from 6am to 2pm and I needed to find childminder (private) to come from Monday to Friday to my home from 5:30am to 7:30am to be here, make breakfast for my son and get him ready to nursery and drop him off. The nursery hours were too expensive as I needed to pay nearly £250/month.
I had nothing left from my wages for myself, nothing. Paying all bills and buying food – this is what I was spending money for so I had no savings at all.
In December 2020 just before Christmas I received 2 letters from Marston Holdings. One £190.50 and another one £225 to pay for some parking tickets I have no idea about. There are his tickets but I am responsible for it as car was insured on my name…
In January 2021 I received another 2 letters. One with the amount to pay of £816 and another with £998 , there two are from the Curt for not filling the driver details. My ex partner was speeding and letters were being sent to our old address as it took 5 months for DVLA to send me updated V5C, means to update the address but for some reason they kept sending letters there on the old address and exactly after one year from when I left I keep receiving high amounts to pay.
I got depressed in January 2021, I’m currently taking very strong antidepressants and tablets for panic attacks as I’m also having panic attacks…
I don’t know what to do, I’ve got about £15000 debts, I’ve lost my job, my landlord is harassing me as I’m unable to pay the rent, I don’t have money for food some days… I’m feeling horrendous. I thought I’ll create beautiful life for my son but I already destroyed it. I’ll be in debts till I die. I’m 27 and it’s just too much. The only reason why I’m still here is my son. He needs me.
Please can somebody help me just a little bit. I’m not asking for too much. Just please if you can I’m begging you to help me so I can stand up a little bit. I’m looking for job but I’m scared that I’ll get panic attacks when I’ll be at Ci work and everyone will say I’m mental. I don’t know what to do.
When I was doing well, my family, my sister, my brother were always talking to me but right now when I’m in soo many problems and issues around- there’s nobody to talk to.
Black Mother of 2 Needing help to suppoprt her family
Hello,
My name is Ebony, I am a mother of two wonderful little girls (5 and 8). I was laid off of my 5 year bartending job 6 months ago. My unemployement ran out, and the bills are stacking up. I havent paid rent in 4 months. I have applied for many jobs but there doesnt seem to be any going around. I do instacart everyday but am only able to bring in about $100 a day. I am at this point BEGGING for any help.
Single Mother facing difficult times – facing potential homelessness
Hi there,
This may sound incredibly cheesy but i’m genuinely writing this with tears in my eyes and an anxious heart as I have never been someone to ask for help. I’m truly at a loss for what to do. I tend to overthink and am afraid of coming across as ungrateful and would never take for granted any kind of help.
If you are someone who is generous enough to be looking to donate to someone in need, this is a brief of me, my story and where i’m currently at to be in the position that i’m in asking for a strangers help.
I’m 25 years old, (I feel awful to be in this kind of financial position at my age, especially given how easy it seems to be to make money online in our day and age but hopefully someone will understand.) I for the most part keep to myself and i’m a single Mother to a beautiful four year old boy who i’ve been blessed to have been raising (solely on my own following an abusive relationship with his Father). I’ve never had a substantial amount of money by any means but that’s always been okay with me; a roof over our heads is something I have been thankful for every day and although I’ve always felt that helping someone should not be something to announce, to give you an honest idea of the person I am, I’ve lived paycheck to paycheck and as long as my Son is taken care of, giving someone in need my last 50 dollars comes without a second thought. All i’ve ever wanted to do is to be able to give back and help. I’m unfortunately just really struggling right now.
To the point:
I recently put all that I had into a website that failed (not too smart on my end, I know). Because I wasn’t ever able to get a rental on my low income via “regular real estate”, and was always turned down for share houses having a young child, my only option was to search for a private landlord. I began renting the place that i’m about to be kicked out of going on 6 months ago. (she put us on a 6 month lease and never submitted the papers or did anything formally). Has changed the costs of living without prior notice and seemingly whenever she feels like it and it has been not only a headache but heartbreaking that she’s just been taking advantage and all I truly care about is looking after my Son and giving him somewhere stable to live. I have always made sure that he eats, etc. But she has just let me know that we need to be out in less than two weeks from today. As i’ve been living paycheck to paycheck I don’t have the money to arrange moving costs (even if it’s just a van) but more importantly the money to secure a bond for wherever it is that we go. I’m terrified and anxious. We don’t have family to stay with which I know would be so ideal. Absolutely anything, no matter how small, would mean more to me than I could even put into words and will hopefully give us some security. I know that so many people have it worse off but if you do decide to help, I can promise you I would have the kind of gratitude to where I will keep in touch (if this enables me to) and give back tenfold when i’m in the position to. If you do decide to help (cannot even fathom it) please write me and I will by all means express my gratitude without deadlines or limitations. Thank you.
PayPal.Me/crystalb95
<3
Help single mom pay off Parent-Plus loans for children
Hi,
Firstly, if you have found your way to this letter, thank you for taking the time to read this. Obviously, I am not a professional writer and tend to go on and on, but I’m just writing from my heart.
I have made many piss-poor decisions (PPDs) over the course of my lifetime (one of my father’s favorite expressions) and fortunately have learned from many of them. But made a big PPD, you know, “wrong thing for the right reason”, which in the end is still a PPD.
This major PPD I am speaking of, I made on behalf of my children. I think this is fairly common, right? Parents want the best for their kids, and emotions often time, cloud the decision making. “Pay now or pay later” along with “hindsight is 20/20” are great sayings for a reason.
A little history. I married fairly young by today’s standards at the age of 23 in 1980 and we were blessed with three wonderful children within 6 years. Money was tight, as my husband was the only one working outside of the home. Like many, we lived paycheck to paycheck and did not have a lot to contribute to savings, or the biggest pipedream of all, “college savings”.
Years later when Child-1 was accepted to college, she took out student loans in her name, and the balance was borrowed through “Parent-Plus” loans. Child-2 started college when Child-1 was halfway through. Thinking back, might have been a wiser idea to have them four years apart, but thought at the time, “how wonderful to have them close together so they could play”. Same thing, more Parent-Plus loans to get Child-2 through college. Child-3 started college when Child-2 was halfway through too. Same horrible PPD to continue borrowing and adding to the balance.
Clearly, I was in denial of the magnitude of this decision. I justified this PPD, as I believed in my heart, and still do, that having your children’s lives be better than your own, is worth every sacrifice. I would do anything for my children. My parents could not afford to pay for college for me or any of my 5 siblings and I would be damned if I didn’t get my kids through college, no matter what. I started community college and eventually dropped out as working a full-time job and school while pregnant was becoming too overwhelming for me in a young marriage. I wish either of my parents was alive to see what beautiful human beings their grandchildren are. Unfortunately, my mother died 25 years ago and my father 28 years ago, though, I know they are proud.
Their father and I had always told our kids that if they worked hard through their school years, stayed out of trouble, and worked as much as they could in college, that we would pay for their degree. If they chose to have any further education after completing their degree, they would pay for that themselves. They held up their end of deal. Bottom line…. $130,000+ in Parent-Plus Loans. All children did well in college, graduated, and went on to pursue higher education, which they are paying for. I am profoundly proud of them more than words can ever express. Believe me, they are all smarter than their parents, so there is that to be grateful for.
My husband started his own business providing general contracting in 1990. Feast or famine, but he managed to keep it going and I went back to work when the youngest was in school. He began having mental health and depression issues about twenty years ago, alcohol and drug issues started later and he went downhill. He resented the pressure of having so many financial and parenting responsibilities. He began working less and less, stating that it was my turn to carry the load, he was done with the parenting and the marriage.
We split when I was 57. From the proceeds of the sale of our home, after paying off a 2nd, he did give me 18k to find a place to live and get myself situated. He stated that I applied for the parent loans, and he did not sign anything and had no idea of the balances or the lenders. It was all my responsibility. He claimed retired, moved out of the country and I have received no support from him after 34 years of marriage. The lender sends everything to me.
I blame myself for not fully researching or reading the pages of small print on these loans. I wonder how many other people are in the same PPD boat as me. I hear the numbers on student loan debt is in the trillions of dollars but hear little of the loans parents and grandparents have taken out for the benefit of their children and grandchildren. Older parents and grandparents do not have many years of money making to payback these loans. These loans cannot be “forgiven” due to financial hardship. The only forgiveness is in the death of the borrower. The parent loans are at a fixed rate, over 6%. Been paying on this for years and the balance is still over $110K.
So that is my story. 6 years later, here I am at 64 in a few months, humbly, reaching out for any help in paying down my debt as I am getting further and further behind and I continue to struggle to make the minimum payments. With Covid hitting last year, I had a cut in pay but, I am so grateful that I did not lose my job. I struggle with other debts I was left with and must prioritize my car payment after rent, so I can continue to work. I will not ask for money from my children, they work hard to pay their own student loans and are all starting their own families. I will not burden them.
No retirement plans in the near future for me, which I am fine with. I will continue to work as long as I am healthy and will continue to pay my debts as best I can, as I accept these obligations.
I know there are people in the world, generous people, that have the means to help others and are willing to do so out of the goodness of their own hearts. The generosity of people never ceases to amaze me.
Everyone has different blessings to share and blessings come in many different forms Anyone who has the means to help, in whatever amount or way, I would be truly grateful.
My dream, that at some point is that I can help someone else out, financially or with the life lessons I’ve learned, pay it forward as they say.
If you made it to the end, thank you for reading.
Sincerely yours,
mom
Single mom trying to stay positive!
To whom it may concern,
I never thought I’d be in a position where I was so desperate for help. I have 2 children I’m 33 never married and a full time single parent. I have huge goals that are achievable but I am slipping further away from them by the second. I’m not sure where exactly to start. I am in a living situation that has been taking its emotional toll on me, I do photography and it is not even making ends meet right now. I do not have family support and have a few friends that help with childcare while I work. I need help making my car payments or paying it off would be a miracle! I can not lose my car! My payments are 480.34 a month and it is killing me financially. I need this cleared up so that income can be towards the low income apartments. I am number 3 on the list but next in line for an upstairs. I cannot stress enough how badly I need me and my babies to be away in a new home. The rent would be 525 a month. I am planning on using whatever I get with taxes towards my down payment which will be 1100 which I’m hoping I will at least get that back. I could get the call from the apartments anywhere from today to 4 months. I need help so badly. Please I am asking for 20k to pay off my car and have a little bit of extra for unexpected things. Or even just help so I can pay down the principal. Anything will help. Thank you for reading…
paypal.me/mamabear0231
Don’t Quit
Each morning, throughout the day, and into the sleepless nights, “Don’t Quit” ( by John Greenleaf Whittier) flows through my head. I try not to let my little one see the worry and fear in my eyes. Everyone needs someone to believe in them at some point in their life,, I say as I do what I can to help others.
My one and only will be two in May. I am 36 yrs young. We were evicted from our home a couple of days ago. His father was extremely abusive. Broken fingers, arms, wrist. Then he realized he couldn’t detest visible marks and began pounding my head, no visible marks.. let’s not forget the choking. When I was sleeping, pregnant, and afterwards. It didn’t matter. I finally found the courage after the last one. He wasn’t supposed to get out of jail. No bond looking at 15yrs + for the first of at least 5 documented instances.. The home my son and I were just evicted from was his House. The state put a restraining order so he couldn’t come around me or our son. I knew I needed to move out of the house as soon as possible, and I was working on that. Single mom during covid.. I was just thanking my lucky stars that we had a roof over our head and for the time being my utilities wouldn’t get shut off. Then I woke up one morning to an eviction notice from ” the new owners” . My ex had not paid the taxes on the house, ( 2bedroom home) and it was sold as at an auction. My son and I had no say so.. we had to go..
Don’t Quit I hear my grandmother in the back of mind… my baby sister quit a few years ago.. I’m not quitting, I’m here. Swallowing my pride and asking for help. I’ve lived off of very little close to nothing for so long I don’t have a figure of what I need. I just need a leg up… Someone to believe in me, at this point in my life. I do odd jobs here and there where I can to pay for diapers and wipes and such. My pcp, which she is such a blessing, has passed along her son’s clothes that he has grown out of to my little one.
A lady from church has given me a trailer to be able to live in. However before I could figure out how to get it moved, Hurricane Laura did some damage to it. I applied for fema however I was denied, trailer is considered a storage under the paperwork it was on..
I need to get the trailer moved 3.2 miles. I also need a septic tank to be put in, along with electric post. If someone could donate the services to have these things done or work with me on a payment plan that would help either way..
3,500 septic tank, 1,500 for the electric pole. The damage on the trailer is the bathroom ceiling and floor along the main bedroom. ?? 3-4000 ?? I would do as much as work myself as possible. To move the trailer I was quoted 2,700 and upward. Some companies don’t want to or can’t move an older trailer.. due to licences and such.. ?
Needing 10-15 thousand.. will be helping in providing a safe and permanent place for my son and I. No more abuse no more fear of getting kicked out.
Thanks for not quitting on my letter… I know I am all over the place.. help me rebuild some structure in my life. Mentally and physically.
Thank you.
paypal.me/Lsubuddha
Nikki and Eli
Need A New Home
My daughter and I left a very unstable situation while living with our family. My father forced us out of the house. In order to have something over our heads I found a small trailer I could buy. Also, it was discounted. Sale! I sold all of my personal possessions to get it and get out as quick as I could. Since getting it, this has been both a blessing and a curse, we have a roof over our heads and we are no longer stressed from all the emotional exhaustion our family was causing us, we also have privacy and feel more secure. On the other hand, it has been a nightmare.
The first week we got into the trailer everything started falling apart. I know that they’re not meant for hard use but they are not meant to fall apart the moment you get them. I called to see if the seller would help with repairs and they sent out a repair man but would hardly cover anything we needed and I learned pretty quickly why they let me have it so cheap. We pretty much got taken for suckers. Maybe we should have done more research into the place we got it from but I don’t think that I’m the first person they have sold a complete and total dud to. I was also in a panic to find anything. It was a heap of junk, even the guy they sent us said that he could tell it had been sitting there for a couple years, unsold and as the repair man put it the trailer had “lot rot”.
From the first day we got into it, the water heater broke, we had floods, cupboards and wood trim would just fall off randomly. The toilet backed up. Ughhh!! The kitchen faucet blew off and then needed to be replaced. There were holes in the floor hidden behind storage cabinets that went straight through to the ground outside. This thing has had over $3000 in repairs done to it. The kitchen sink is broken and water is leaking in to the counter top and is all swollen. Now on top of that its growing mold! Which is a health hazard and nobody can replace it. We have only lived here for 8 months and it is a complete and total mess.
It’s me and my daughter who live together and we need more space. I have back and hip issues and it’s hard to get around in such a tiny space. It is only 20 feet long! I need a decent chunk of change in order to get something larger and much better made than this one. It is falling apart and as it is I don’t think it will last much longer. If it becomes unlivable, we will be on the street. Things aren’t easy right now for anyone, especially with a pandemic going on and I know that it’s not easy to ask for help especially from strangers on the internet. I am praying and hoping people will be sympathetic and that someone can help. Even just a little bit goes a long way. Please help me restore my faith in my fellow man.
Entrepreneure Mom
Hello fellow humans,
I hope that everyone is well, and that all reading this are not suffering hardships or emotional distress at this time. As not everything is financial, of course. Often I think (incorrectly of course) that if I just had a huge bank account everything would be great. Wouldn’t that be perfect if it were so. However, money can certainly help make things easier, which can be critical at certain times in life.
A brief bit about me. I live in Chicago and have my own business as a personal assistant, working on individual situations as a professional problem solver. Generally my clientele are business people who have semi-retired, etc. and desire a certain amount of business assistance. Because of covid-19 my business is about 10% of what it had been a year ago. Since April 2020, I have curated a little online retail jewelry/vintage goods business, and continue to do ok with that, even working towards growing it to a website.
This past year has brought about a huge transition for so many people. Last March, my boyfriend who had lived alone moved in with my daughter and myself. He was halfway through his first year in law school when things went on lockdown, and he found he needed support and vice versa. So that was fine, and we all adjusted quite well, given the circumstances. Mike had lost his job in banking in 2019 and decided to go to law school. So now I had two full time students living with me. Little did I know that flash forward to the end of summer, and my teenage daughter had a childhood friend who needed someplace to live. So as of September 2020 I have taken in another teenager, and have 3 full-time students at home. Eating and consuming energy. I had also been fostering elderly dogs at the beginning of the pandemic, and eventually fell in love with one and adopted her. So now I have three fur kids, two human kids, and adult man kid. We are a full house of awesomeness, studying, animal joy and love.
Everything is temporary, and this too shall pass. And next year everyone will graduate!! Something to look forward to for sure. Till then, I’ll be hustling and doing everything I can to keep everyone going and strong. If any of this touches you, and if you find it in your heart to toss a few bucks here and there for the excessive electricity bills, gas, the all-important Wi-Fi, food…. Just a little extra for life in general, to keep things going and help prop me up a bit through my moment of struggle, would be more than generous and kind. The kids and animals would be grateful, and we are all thankful to be as healthy and blessed as we all are.
Sincerely,
Kimberly Z
Single Mother in Desperate Need of Help
Hello everyone, I am a single parent of 3, but two are living. I lost my two year old back in May during this terrible pandemic. After my daughters passing it’s been hard. It was a struggle getting her arrangements paid for and now I’m just completely broke. I have been forced to move from place to place with two small children because I can’t commit to paying bills due to not having money. Jobs are hard to come by for me and I’ve had no luck with receiving government assistance or a stimulus check. I have been fortunate to have people let us stay with them for a short period of time but it’s not ok to have to move the kids around so much. I’ve always handled things on my own simply because I don’t have any family support a few friends, so I’m just alone out here in the world. I always felt like it was good to be by myself until now. I have no one to call for help or guidance. Mothers shouldn’t have to struggle at all but it seems we do. There shouldn’t be an issue with receiving government assistance to provide for your family. It’s discouraging to get shot down repeatedly knowing you have children to take care of. Being labeled or looked at as an unfit mother during tough times isn’t fair either. There should be better support out here for us. It’s so many people that get help out here and they really don’t need it… they’re just greedy…not caring that they’re taking away from people like me that truly need it. I’ve always helped people in need because it was the right thing to do, but now that I need help… there is none. I feel like this is my only chance of receiving help. I’m trying to keep my faith in humanity…. trying to tell myself that there are still good people out here that are selfless and understanding. Any donation would be appreciated and a true blessing to me and my kids. I’m now without my vehicle with no money to get it fixed. I own my vehicle and I can’t afford to be without it… We’re struggling with no transportation, no home of our own and a serious lack in food and other items needed. My 3 children were all preemies and they’re behind in development. My son is still in pull-ups due to his autism and my daughter is in pampers. I’m praying that things turn around for us but I know that a donation from someone would help us get there faster. Thank you all in advance
PayPal.Me/yakimagolden
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