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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One Car Accident Away From Stability — Help a Family Stay Housed

Hello, and thank you for reading.

 

I am a single parent asking for help after a no-fault car accident destroyed my only vehicle just days after I purchased it. I rely on my car to work, and without it, I cannot earn income.

 

Last summer, my child and I experienced housing instability and periods of homelessness. While I worked hard to keep life as normal as possible for him, the instability took a toll on his mental health and led to struggles at school. Since then, with structure, support, and incredible effort on his part, he has made meaningful progress emotionally and academically. Securing stable housing was essential to protecting that progress. In January, after carefully scraping together the resources to purchase a vehicle so I could return to work, I was involved in an accident caused by a loose cow on a rural highway—only three days after buying the car. The vehicle was totaled. Because it was so newly purchased, I am now financially upside down, owing money on a car I no longer have.

 

Although I was not at fault, insurance has not provided timely or adequate help, and the party responsible for the livestock has not resolved the claim. As a result, I am left without transportation and without income at a critical time.

 

I work as a courier, and reliable transportation is not optional—it is required to earn a living. Without a car, I cannot work, and even a short disruption puts rent and housing stability at risk .My goal is $5,000 to help purchase a modest, reliable used vehicle and cover basic registration and immediate repairs so I can return to work right away. This would restore my income, allow me to stay current on rent, and prevent another housing crisis for my family.

 

This request is not for anything extra—only the ability to work, pay rent, and maintain stability for my child after an already difficult year.

 

Any amount truly helps, and I am deeply grateful for your kindness and support.

 

Thank you for reading and for considering helping my family during this critical moment. My paypal is https://www.paypal.me/neverlookback42087

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Help a Single Mother of Three Give Her Children a Safe Home

I am a single mother of three, doing everything in my power to give my children a safe and stable place to call home. Asking for help is incredibly difficult for me—I have always been the one taking care of others. After my parents passed away, I stepped in to raise my six younger siblings. I later moved from Africa to Canada in search of a better future, but life as a single mother has brought many challenges.

Today my greatest hope is to buy a home where my children can feel safe, secure, and free to grow. For the first time in my life, and for the sake of my children, I am humbly asking for help from kind-hearted people who believe in giving families a chance at stability and hope.

Thank you from the bottom of my heart for any support you can offer. 💛

https://paypal.me/LEA949451

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Just me and my girls

Thank you all for taking the time to read this. I’m a 46-year-old single mom to a wonderful 12-year-old girl and a sweet 5-year-old niece. I’m also proud to serve as a veteran of the USAF/USAFR, continuing my civilian career as a geriatric nurse for veterans. I often feel overwhelmed and sometimes ashamed of my current financial situation. My biggest challenge is my student loans—I went to school with the hope of returning right back to active duty and having my loans paid off through that service. After two loans—one unsubsidized for $56,000 and a subsidized one for $29,000—things changed. I got married and pregnant, but eventually, I divorced from my spouse. I chose not risk deployments away from my daughter because my own mom left me for drugs. The changes I’m navigating, especially with the new student loan repayment plans, make me anxious—I worry the monthly payments might become more than I can handle. I recognize I have until now struggled with money, and I really want to understand why I feel this way. I try to help my family whenever I can, even when I’m facing my own debts. I owe about $5,000 to a sibling and roughly $50,000 in total—including loans and credit cards. My monthly payments for rent and my car lease are around $2,040, and buying my car outright would cost $45,000. My rental home needs some repairs, which I need to cover. When my brother was released from prison after 11 years, I didn’t want him to be homeless, so I helped where I could and allowed him to live in my basement. My children’s rooms have experienced normal wear and tear, like needing repainting, but unfortunately, they also broke two panels in a door, which the rental company says must be replaced at a cost of $820. My brother damaged items in my basement but hasn’t helped with the costs and gets upset when I bring it up that estimate was $700. I’m hoping to start fresh with my daughters, leaving behind some of the debt that’s partly due to my guilt of working long hours away from them and the things I buy for them to compensate. My daughter is also dealing with anxiety and depression, partly because of the costs of therapy and counseling, and my niece is with me because her mother is in and out of jail. Her biological father struggles with drug addiction too. I’ve had to take many days off work to care for her because she has conduct disorder and impulse control issues. Both of my parents have passed away, and my life has been full of challenges. Growing up, I had to step into a mother role because my mom was addicted to drugs but continued to have children. Sometimes I feel unappreciated by my family,Sherica Halland I realize I really want to focus more on my daughters’ happiness and well-being. They both want to join extracurricular activities, but I haven’t been able to afford it. For example, my 12-year-old was accepted into the Model UN program, which costs $2,500. I’m reaching out because I hope to get some help to get my finances back on track. Every day feels like a weight I carry, worried that one unexpected expense might cause everything to fall apart. If anyone is willing to help me learn how to budget better, I would be truly grateful— I’d love to develop healthier financial habits..

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Please help!

Hello,

I’m a single mom of 1 living in the UK, I recently moved here from Nigeria for work a few years ago and things were going smoothly until 2 years ago when my sister got diagnosed with Lung cancer. She has since been unable to work and has had to move in with me. I’m the first born of my family and my parents live in Nigeria so I’m responsible for my parents and siblings since my parents are retired plus the burden has doubled since my sister’s been unable to work for over a year now. I work overtime to cover my bills, cost of daily living and childcare but there’s only so much shifts I can do with a child I’m solely responsible for and a sick sister. I’m drowning in so much debt, my salary is basically used to recycle them every month. I’m really trying my best, even tried starting a hair business but I’m unable to gather enough capital to scale the business so I only make very little from it. My credit score has tanked so bad I’m not even eligible for credit anymore. At this point, I just need help to clear my debts so I can build back my credit score and scale my business. I’m currently up to £5000 in debt and can’t seem to get out of it, any help I can get towards getting it cleared or showing me how to make more money would really be great. I’ve paid for so many online businesses that haven’t gotten me anywhere, I’m tired of wasting money I don’t have for zero results. I really need a hand please!

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Working, single mom struggles

Hey there. Single mom of 3 great boys. Working full time and trying to find a side hustle to help out. The struggle out there is real. Having a hard time with monly bills, groceries (boys eat allot lol), medical expenses (female issues that require annual surgeries it seems) and just life. Applied for a personal loan and the payments don’t justify the amount received.

Very proud and independent so this is rough for me. May it come back to you 10-fold 💛

paypal.me/jeskaminski

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Help a Mom Keep a Roof Over Her Two Boys’ Heads

I never imagined I would be in a position where I needed to ask for help, but right now I am doing so out of necessity, humility, and love for my children. I am a single mother of two young boys who rely on me entirely for their stability, safety, and basic needs. At this moment, I am facing a financial situation that I cannot resolve on my own in time without risking our home and essential utilities.

My rent is currently due, and I am behind on critical household utilities such as electricity and water—services my children depend on every day. I am asking for $3,000, which would allow me to catch up on rent, prevent utility shutoffs, and cover essential living expenses so that my boys and I can remain safe and stable while I work to regain financial footing.

I am actively working and doing everything I can to improve our situation. I am pursuing income opportunities daily, applying myself fully, and staying committed to becoming financially independent again. This request is not because I am unwilling to work—it is because the timing of expenses and setbacks has created an urgent gap that I cannot bridge alone without immediate support.

My children are still very young. They don’t understand financial stress or overdue notices; they only know that home is where they feel safe. As a mother, it is incredibly painful to feel like that safety could be threatened despite my best efforts. Asking for help is not something I take lightly, but ensuring my children’s well-being must come first.

Every dollar donated will go directly toward rent, utilities, and essential household needs. Even a small contribution makes a meaningful difference and brings us closer to stability. If you are unable to donate, sharing this request or offering encouragement is also deeply appreciated.

I am profoundly grateful to anyone who takes the time to read this and consider helping. Your generosity would not only help cover immediate financial needs—it would give two children security, give a mother breathing room to continue moving forward, and remind us that compassion exists in moments when it is needed most.

Thank you for your kindness, your understanding, and your support during this difficult time.

https://cash.app/$117sarah

 

 

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I’ve had many “this is the worst year of my life” years, but this one truly is the worst.

2025 started off with a car crash Jan 6th and from there the hits kept coming. I am a single mother to a 7 year old red headed, polish Puerto Rican Italian. Yes I am screwed. All I want is to give her the world, but that’s hard when I compete with my ex and his family and I suffer with alcohol and drug addiction. I am currently in recovery and have been for almost 4 years. In January after my car accident my cousin who I had been helping with substance abuse decided to go to rehab in Florida, he called me, we cried and he thanked me for his help. In march he was found dead in his apartment having drank himself into a state, covered in bruises and his own waste. In may we lost my uncle to the same disease. Checks were donated to AA in their memory and were given to me, a woman claimed from their I stole her identity. With all the proof I had to show the check was given to AA the police charges she filled against me were dropped, but being that I worked in finance and the woman banks where I worked I was investigated for fraud and ultimately fired from my well paying job in September. In November I was served eviction papers right after my daughter 7th birthday in a home rent and got sober in. The week before Christmas I went to buy myself and daughter a dog through a Facebook group with many followers and content and was scammed out of 1200$. Making Christmas even more stressful, today my car was repossessed and the debt charged off because I am unable to pay. Having lost my mother when I was 11 and my father an alcoholic, I did not have many great examples of what being an adult entailed. I have known more grief than many will ever yet all of this loss this year and stress has officially broken me. I have no where to turn to and no company that will approve a loan based on my credit, so I’m begging, pleading for anyone out there to help this 38 year old single mother get back on her feet before they walk a different path. I’m looking for roughy 25,000 – 18k to lay the charge off amount, the remainder to find a new home suitable for my daughter and myself. Thank you. I have linked my Venmo below as well as cash app.

Venmo @amanda-brostek

cash app $brostek924

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I Am a Single Mother of Twins, and I Need Help.

I never imagined I would be writing something like this, but I am asking for help because I have reached a point where I cannot do this alone anymore.

I am a single mother to 18-month-old twins. When my babies were born, I left my job to care full-time for my father, who was terminally ill. For five months I balanced caring for a newborn pair and a dying parent until he passed away. It was the hardest period of my life, but I would make the same choice again without hesitation. After his death, a few people I had met during his illness helped me survive the immediate aftermath, and I will always be grateful for that kindness.

I am completely alone now. The father of my twins cannot be located and provides no financial or emotional support. My mother passed away in 2022. I have no siblings, no safety net, and no family left to turn to.

I am a UK national currently living in South Africa. At the moment, my twins and I are sleeping on someone’s couch, but we must leave at the end of January 2026. I have no secure housing lined up after that date. Every day I wake up knowing the clock is ticking.

I am well educated, capable, and eager to work. I want nothing more than to build a stable, safe life for my children and myself. However, I am trapped in a situation that feels like a downward spiral: I need childcare to work, I need work to afford childcare, and without stable accommodation, everything becomes more fragile.

Right now, we urgently need help with basic food, short-term accommodation from the end of January, and either childcare funding so I can begin working, or the funds required to apply for my twins’ passports. As UK citizens, returning to the UK could offer us a chance to reset and rebuild—but I currently have no place to stay there and no money for travel or resettlement. Even taking the first step feels impossible without support.

Despite everything, I keep going for my children. I maintain a strict routine for them—I go to sleep at 8pm and wake at 4:30am. My days are non-stop, focused entirely on their care, safety, and development. I am doing everything within my power to hold things together, but love and discipline alone are no longer enough.

Asking for help is deeply humbling. If you are able to contribute in any way, you would be helping us with food, shelter, stability, and time—time for me to stand back up and create a future where my children are safe and secure.

Thank you for reading, for caring, and for any support you are able to offer.

PayPal.me/0000smgm

(Zeros)

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Raising Hope For A New Start- Help A Resilient Family

Hello, my name is Jessica. I am a single mother of three and a survivor of domestic violence. Years ago, we escaped a dangerous situation and moved several times to find safety. Today, we are far from that past, but we are also far from any family support system.

For years, I took pride in being the sole provider. I worked hard to pay every bill and put food on the table without any outside financial assistance. However, a series of medical crises has brought us to a breaking point.

Two years ago, a medical condition led to multiple major surgeries, including a spinal cord injury that occurred during a procedure. I had to learn to walk again. While I am grateful the care saved my life, I live with chronic pain, numbness, and limited mobility. Despite this, I pushed myself to work 50+ hours a week until my wages began being garnished at 20% to cover the mounting medical debt.

A few months ago, I lost my job. Despite 20 years of experience in my field, my physical limitations have made finding the right kind of work more challenging.

Where we are now: Currently, I have exhausted every resource. My credit is maxed out, and I have been relying on local food pantries to feed my children. My children are wonderful—they have gracefully accepted a “handmade” Christmas this year, finding joy in creating gifts for one another.

My urgent needs: I am facing a January 1st rent deadline that I cannot meet. Between my daily living expenses and over $10,000 in medical debt, we are in a hole we cannot climb out of alone.

I am not looking for a permanent handout. I am an active, capable person who wants to work and contribute to my community. I have promising job leads starting after the holidays, but I need a bridge to get there.

I am asking for your compassion to help us keep our home and find stability as we head into 2026. Every dollar is a lifeline for my children and me. If you cannot donate, sharing our story means just as much.

Thank you for reading, for your kindness, and for your giving heart. ❤️

paypal.me/jessicaherself

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Single Mom of 3 Needs help Please

Hi,

Where to start, I’m a single mom of 3 wonderful teens, trying to stay strong and hold the pieces together for them. I will admit, I cry myself to sleep every night, I worry how I will continue to provide for them?

I am an US Army Veteran and I’ve worked hard all my life to now have to struggle for reasons not of my doing.

How did I get here, good question. I’m also recently divorced! My ex spouse cheated on me for the last 2 years of our 20 yr marriage, asked for a divorce, made the 18 month long divorce painful and because I’ve always made more money, I’m the one carrying the full burden.

What do I mean by this? I’m trying to keep the home for my kids so it is less disruption for them while they finish HS. I’m having to give up 1/2 of my retirement that I’ve saved over 20′ years of our marriage, I’m still having to carry medical & dental coverage for the kids and on-top of all that, I still have to pay child support even though my ex has no bills, no mortgage as they are living back with their parents, they are getting a buy-out from me and 1/2 my retirement. The state laws are down right awful and do not take into consideration any leading factors.

The thing I’m worried about the most is paying my mortgage, I had to refinance for the buyout, while 350k is a-lot to ask for, I’m not expecting that full amount, but anything you can help with that I can put towards my mortgage is appreciated, my monthly payments are $2500.00 . Any and all donation will towards my mortgage ensuring my kids have a safe and warm place to sleep.

I appreciate you,

Thank you,

Single, Recently Divorced Mom

https://venmo.com/code?user_id=2614965160640512083

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Help to get out of debt for my family

Hi, I’ve never done anything like this before. In fact I’m usually not one to ask anyone for help. I feel guilty if I do, because I know there are people worse off than I am. I’ve dug myself into a hole I can’t get out of. I’ve managed, through a lot of poor choices and bad financial decisions to accumulate upwards of $16,000+ in debt between Installment loans, lines of credit, and credit card debt. I’ve been victim to quite a few predatory loan companies out of necessity and because my credit is too poor to qualify for any decent ones. I’m a single mom to 3 children, with one on the way. I took a pay cut in April to move to days at work so I could have more time with my kids. This pay cut also happened after returning from maternity leave, as one of my children is under a year old so I ran myself out of PTO at work. Myself and their father just split up, and I’m genuinely terrified how I’m going to make it so my kids don’t have to suffer. I’ve been living less than paycheck to pay heck since taking the pay cut because I’ve had to take a few absences at work for illnesses, oral surgery, and family stuff. Since I’ve run out of PTO I’ve had a lot of paychecks be short since I’d have to go unpaid for those absences. This has been the biggest cause of living paycheck to paycheck, as I’ve had to use lines of credit and installment loans and credit cards to keep bills paid and continue making minimum payments on debts. I’ve now reached such a point that between the minimums on everything and Interest, almost my entire check goes to these things. So every pay week I’m taking more money from somewhere to pay something else and keep things afloat. And still manage to buy groceries and put gas in my car to make it to work, plus pay for childcare so I don’t have to miss work for that. I’m at my wits end and don’t know what else to do. With Christmas nearing it’s become even more of an emotional burden, but not making bills or rent or staying on top of my debt so I don’t default on anything is overpowering the sadness I feel for not being able to give them a Christmas they deserve. My only hope is the kindness of others so I can get above water and stop drowning hopefully. I don’t want my kids to have to suffer because I’ve dug a grave I can’t climb out of. So far the only good I have going for them is that they haven’t had to feel the effects of my money problems yet. But I’m not sure that will even last past this week as I’m already short for bills and food and gas and don’t know how I’m going to manage breaking even. I haven’t even been able to have a savings so I have money in the event of an emergency because I’m always in the negative and overdrawing my account to pay bills

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Finally kicked him out!

Hi, thank you for reading this and hold onto your hats! Lol

I am 36, my son is 11 and my twin daughters are 5. We had been living with my twins father who in all honesty started acting different after I gave birth in 2020. At first he seemed great with my son and then it was as if he was jealous of him! And later on he did actually admit that there was some jealousy and he didn’t know why. The point here is, he’s never really been the father my kids deserve (especially for my son who was needing him most after I had the twins!) there’s so much it’s hard for me to boil it down to give you a good idea of our situation without keeping you forever reading. Me and my kids were already living in uncertain and highly unpredictable circumstances with this man and for many years I felt SO incredibly stuck financially because I wasn’t working anymore after I had the twins plus Covid had my son doing zoom school and you know the rest (I wasn’t an essential worker). My son’s father was forced out of the picture due to addiction and poor choices that led our judge to remove his in-person visitation until he took the court ordered hair follicle test back in Oct.2023 and still doesn’t have visitation back. Long story short, my now Ex (whom I will call A for privacy and ease) has been really hard on my son who does have A LOT of energy and has had issues being gentle with one of his sisters and listening (although I wish I would have known what I know now about kids and behavior but I just didn’t know back then). I now know that he was feeling unheard and unseen and hurting inside for his mama’s time and attention and A never helped me with the twins and just left my son instead of spent quality time with him and building a bond😭. Anyway, right before Thanksgiving A lost his cool on my son for the last time and I told him he needed to find another place to live! Meanwhile I just recently started a new business and have had to step back a little in dealing with all of this stuff going on at home and with court and my kids emotional wellbeing. The last thing we all need right this moment is to have to move right before Christmas because I can’t afford all of these bills by myself right now. A is already telling me he can’t afford to pay this rent and a whole other rent (even though we both know he can afford it in short term). Due to the fact that A grabbed my son by the shirt and ripped him off the couch and then slammed him against the wall while I was finishing my shower, I heard all the commotion and ran downstairs half dressed to protect my son and calm my daughters, luckily my son felt comfortable to share with his therapist and of course she has to report it. She said I have done everything I am supposed to in order to protect my kids and will help me get resources (but said that it takes a while, many months unfortunately). I need assistance ASAP, financially in order to keep this house and our utilities on as well as Christmas still coming this year! Monthly expenses are $4,590×3= $13,770 + whatever can be shared for my kids Christmas presents if possible. Almost $14,000 is already so much, I will do my best to find other resources for Christmas gifts. Thank you so much in advance for taking the time to read all of this, and take it in to consideration. Please know that I have grown immensely through all of this and found a great love for myself that was lacking before, which is definitely why I allowed toxic people into my life, well NO MORE! WE deserve WAY BETTER! And I will NEVER ever settle for anything less than what I deserve and my kids too! Take care! Happy holidays!💝

@JordanAnderson885

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Please help!

Hello! I just simply have the wost luck ever. Nothing ever works out. I have 4 kids. I never had help with them financially. Ex owes me over 300 grand in child support and I wont get anything. Its been 18 years now. Living expenses have beed so so so high and I just feel so hopeless! Bills pilling up! I filled banqruptcy twice now because nothing ever works out. I went to collage for accounting but cant get a job anywhere. Im also raising my sisters kid because she commited suicide for the same reasons. Life has been very very hard and i cant catch a fricken break! Please please please help me before I loose my home!

 

https://paypal.me/pleasehelp177

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Request for financial assistance,

 

 

“Hello, my name is Laetitia, and I’m a single mother of three children. I’m currently facing a challenging situation and I’m reaching out for support. Unfortunately, I don’t have many options at the moment, and I’m in need of financial assistance. Any contribution you can offer would be greatly appreciated, and I’m thankful for your consideration.

If you’re able to help, please know that your kindness will make a significant difference in my life and the lives of my children.

Thank you for taking the time to read my message.

 

Best regards,

Laetitia

https://paypal.me/laeleeng

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Seeking a fresh start

Writing to a potential anonymous donor is something I never imagined myself doing, and I admit I feel a mix of hope and embarrassment even putting these words together. I have always tried to manage on my own, to keep life steady for my children and to show them that hard work can carry you through. But recently, despite all my efforts, life has slipped beyond what I can cover alone.

I am a single mother of two wonderful kids, one heading into Year 7 and the other into Year 9. They are bright, kind, and deserve a calm, secure home as they grow into their teenage years. Unfortunately, a series of unexpected expenses has shaken the fragile balance I’ve been maintaining. A major car repair, rising bills, and long-standing debts I’ve worked tirelessly to chip away at have all converged at once. As of now, I’m facing $13,000 in debt, which has become increasingly difficult to manage. Clearing it would give us the fresh start we desperately need.

The remainder of the funds I’m trying to gather would go toward catching up on late rent payments as well as covering school essentials for the kids. They need new uniforms for the upcoming school year, and my youngest requires a laptop for her first year in high school. These things are basic, yet right now they feel out of reach.

As humbling as it is to ask, financial support to clear this debt and stabilize our situation would allow us to finally move forward. It would give me the chance to rebuild, to plan instead of react, and to offer my children the secure foundation they deserve.

If you choose to help, please know it would mean more than I can express. Thank you for taking the time to read my story.

paypal.me/HanaGarvey