I am a single mother of a teenage boy. I myself am in my 50’s. It was my choice to become pregnant through donor insemination, however this was an expensive process. Those bills have long been paid off, but they did contribute to a cycle of debt that has never let me get ahead.
Several other things contribute to my financial troubles. I have many chronic physical and emotional heath problems including but not limited to diabetes type II, hypertension, obesity, chronic pain, asthma, anxiety and depression. During the pandemic I worked from home for two years, which added to my social anxiety and contributed to the further decline of my overall health.
I have good insurance through my job, so the health care costs themselves are mostly covered. However, I end up missing a lot of work. My paid sick leave has run out and I use it faster than it can accrue. My paychecks lately have been severely lacking.
My transportation is another issue. My car is currently 17 years old. It needs thousands of dollars of work. This has been the case with all of my cars my entire adult life. I have never had the money to buy a new (or newer) vehicle. Inevitably, these older cars break down and need expensive repairs. I am stuck either buying another old car or taking out loans or begging my parents (both retired) for the money to get the vehicle temporarily fixed. This is another vicious circle that has contributed to my financial position.
My son and I live in a small one-bedroom apartment. He sleeps on the couch. The neighborhood is decent, and my parents live close by, so moving to another area is not an option. We cannot afford any two-bedroom apartments nor small houses. Our rent has gone up almost every year we have lived there.
Also, I am a hoarder. Not to a health-endangering level, but if we could get the apartment cleared out, I could at least set up a bedroom area in the dining area for my son. A few years ago, I used a tax refund to pay for some help de-cluttering. They did far less than they had stated they would do. Now, the apartment is in almost the same condition it was before.
I am an unhappy and lonely person. My size and other health problems make things like showering and doing laundry difficult. I cannot walk far, and even sitting or lying down are not as comfortable as they should be. I start hobbies or crafts to keep my mind and hands busy, but then I drop them from lack of interest. My social anxiety keeps me from going out and interacting even with people I know. I have never been good at making or keeping friends. I currently have no real-life friends who aren’t related to me.
If I receive donations, these are the things I would like to use them for:
- To pay off all loans. I currently have one Visa and two bank loans. I also have a loan on my deferred compensation account. I might be able to get my student loans forgiven, but I have not yet started to work on that. (~ $12,000)
- Buy a new(er) car; preferably less than 5 years old. A hybrid would be nice. (~ $20,000)
- Get apartment cleaned out and clutter under control. (~ $3000)
- Afford to rent either a small house or a 2–3-bedroom apartment in my current neighborhood. (~ $1600/month)
- Afford to have healthy meals delivered regularly since cooking is difficult for multiple reasons. (~ $400/month)
- Maybe be able to afford (and have the patience to go through the prep for) bariatric surgery. (Unknown at this time how much insurance would pay, nor whether I have the stamina to finish the process)
There is not much I can offer in the way of trade. I enjoy writing, although I rarely finish what I start. I could help with writing a short story or world-building. Also, while I am not an editor, I could proof-read or ‘beta’ documents and stories. I will not do your homework for you. But I can look things over an offer advice.
I have many opinions on subjects such as politics, economics, religion, and history. I would be willing to explain my viewpoints if asked, but arguing gives me headaches, so I will not do that. I also enjoy gaming. I can give my recommendations, or even perhaps join you in a co-op game for donations. I am not an artist, but I can attempt a bad drawing of something if you would like.
I will not perform any sexual acts or narration, nor provide any images of myself in any state. Please don’t ask.
Thank you for reading this. I hope you have a good life, whether you choose to donate or not.