Begging Money

Financial Hardship Help

Last Updated:

Help a dad fight for his daughter

18 months ago,My grand daughter was injured in the care of her mother Sadly she was in hospital with injuries.She was 18 months old.

My grand daughters dad is my son who she has been with since discharged from hospital.
My grand daughter is so loving,she’s well behaved,funny.
Prior to this there were worries that injuries had happened. Childrens services did nothing,despite pleas to intervene.2 months later my beautiful girl was intentionally harmed and admitted to hospital.She suffered seizures,she was frightened and wanted her daddy and me.Her beautiful face was bruised,her mouth swollen and couldn’t eat.All her confidence lost.Having seizures and not understanding what was happening.It was heartbreaking.
My son never left her side.
Children’s services waste time,did no investigation.Its wrong that a child is injured and nothing done to investigate.How many more children has this happened to.We did our own investigations to try to get evidence to push for fact finding hearing.To establish who did this.
My grand daughter never wants to go and see her mum and cries and screams and wants her daddy.Its awful,I feel physically sick.
My son has a nice home for him and his daughter and she is well looked after.She adores her daddy needs some financial help to fight this and get closure.He has spent £20,000 so far and its crippling him.He needs closure so he can get on with their life.
Please please help us.
Thanks

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Ripped off

I bought a car in May 2019 from an independent garage, paid £1300 deposit and finance for £3500, £127.80/month for the next 36 months.

After 3 months the car broke down, I was 80 miles away from home ans I paid £150 emergecy tax for AA Recovery but they couldn’t fox the car, another £200 for the recovery truck to take it home.

The car was under warranty for 1 year, and I tried to use it to fix my car. I was asked to pay for the diagnostic, £300 but in 2 months the garage couldn’t find the problem.

I contacted the seller and askd for help as I thought its not normal to buy a car and brokedown after 3 months. They said they would help me and asked me to move the car to another garage. After 1 month I’ve been told that they got £956 from the warranty but they car needs a new engine and I have to pay for it as they can’t find the issue with the original engine and the warranty company won’t cover the costs.

I paid for the engine £1200 but after they fot it, they told me that some sensors are missing from the car, DPF sensor and oxygen sensor and ask me to pay for ne ones. I accepted and after they installed the sensors they sre telling me that the new engine is not working and I have to get a new one.

Now I have to pay them a bill of £1689.05 ( the 2 sensors are included in price and £956 will be paid by warranty) but they car is not working and I on the top of that I have to pay them to take of the engine and fit another one.

I have to mention that they never checked the car, they just ask for an new engine( maybe the engine was never faoulty). After months in garage they asked me what the original problem was, so then I understood that they never checked the car.

I’ve contacted the Citizen Advice and the Financial company where I’m paying finance for the car but they are not willing to help, neither the original seller.

So I spent £150 on AA Recovery, £200 recovery truck, £300 diagnostics, £1200 new engine, £700 the bill for garage + bus tickets and taxi for 7 months because I’m working 5 miles away from home in another city and the car is still not working and they are asking for more money and another engine.

I honestly don’t know what else I can do, I still have to pay the finance for the car, I’m already £8000 in debt and keep growing.

paypal.me/avram95

 

 

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Its just me, myself and my four year old.

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My name is Vicky, i am 30 years old and my daughter is called Verity. I am currently working as a manager at a mental health hospital, as well as studying part-time in Psychology Counselling. I am a very driven woman, and have always worked for everything i have which unfortunately is not a lot.

Myself and my daughter didn’t have the best start in life together. Her dad was very abusive, and we were stuck in that situation for a year before i plucked up the courage to get him arrested, and to get us out of that situation. Two years on and we are so much happier.

While we are happier, happiness can only stretch so far when you struggle with your finances. I work full-time for the NHS, and unfortunately the wages aren’t great for the work we do. When we left our old lives we weren’t classed as important enough to be given a home funded by the government, and so we went into private renting. Currently after rent and bills we are left with next to nothing to live on.

While most people enjoy material things i feel rich with a roof over my head, and that is always the most important thing for us. My overall goal is to get us out of this two bed flat, and into our own home with a mortgage.

Its very hard asking for help as i am a proud person, however, the time has come for me to suck up my pride and ask for donations towards a deposit for a house. Currently deposits are around £15,000-£20,000 which is an impossible amount for me.

I’m in no way asking for all of that, just whatever you can to help. Every penny will be greatly appreciated, and i will keep you updated on our journey.

Thank you so much.

V & V x

paypal.me/vickycharters

 

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Help save me from the Bad News Bears!

Bad luck – They say it comes in threes.

That definitely seems to be the case for myself and my partner, and it just keeps piling on. Let me tell you a tale!

The year was 2018, my partner and I were both working full time jobs, earning just enough to put down a deposit for our first rental together. Save up we did and in March 2019 we moved in together, believing we were beginning the rest of our lives in happiness together.

Then came the first Bad News Bear: his job loss. But not to worry! He lined another one up very quickly and dove right back in. Oh, the promises they made! Full time, guaranteed to be kept on after his 3-month probation… Only to be let go again due to downsizing. Back onto the job search… Another job, guaranteed to keep him on! Let go again, down sizing.

He has and is looking for jobs, yet for now there is nothing. He has no money coming in to help us and is sinking further into depression, which I too have a history of.

We are now living on my income, which after tax is less than £15k a year, yet because I work full time and earn over £16k per year before tax, I am not eligible for any help and the bills are starting to pile up. He is eligible for help, but it will take so long that we will definitely have slipped into arrears.

I have already paid all our regular bills for the month, leaving me with less than £100 of my overdraft to see us by (food & petrol).

Here comes the cherry on top and the second Bad News Bear: our heating oil ran out yesterday. We now have no heating, and no way to buy more until I next get paid, which is three weeks away. And the final Bad News Bear some in the form of our electric bill, which will be dropping on the mat next week. We normally would have been able to pay one of either, but we cannot pay both at the same time without some help.

I am asking for help today to buy oil to heat our home.

The minimum you can order is 500L, which at current prices is around £250 to be delivered in five days. Ideally we would need it sooner than that as there is a cold snap forecast, and you can get emergency delivery for the same amount for just under £300.

The other £200 I would put towards paying my electric bill and potentially, if I’m lucky, buy some food!

Essentially, I am hoping for some breathing space. Any donation, no matter how small, would mean the world to myself and my partner. We are hardworking people who have just had a rough spell of bad luck.

Please help us tackle them pesky Bad News Bears!

paypal.me/Kloomin

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Need help after car accident

Hi,

I never thought I would need to do something like this because you always think “it would never happen to me” but here I am asking for anything that can help me get through this tough time for me.

Thank you for taking the time to read this. I will start with a little bit about me and my situation to give people an idea of the reason why I am here.

I am a 29 year old male living in Edinburgh and I have a beautiful 6 year old daughter. I have worked as a chef for the last 8 years or so.

I have always been a very hard worker and it feels very strange for me to ask for help. I have suffered with anxiety and depression for many years but didn’t accept it and it manifested itself as anger. After a particularly difficult couple of years in 2016-2018 involving being made homeless with seemingly nobody wanting to help including “emergency housing” from the council my relationship with the mother of my child started to break down. We managed to get through the homelessness but things were never the same and my depression only got worse. We eventually split almost two years ago which finally gave me the push to try and get help which involved medication and therapy.

I worked very hard on my mental health and wellbeing over the next couple of years and was finally getting myself back on track and everything was getting better.

That was until the 9th of January when I was in a 3 car accident on the Edinburgh bypass which shook me up a lot more than I initially realised. I went back to work the day after but pushed myself too hard and this culminated in a massive panic attack and I decided I had to take some time off work for the pain and the mental health problems I was experiencing. I am still off work as of today with very little help from my employer and my bills are starting to come in and I have nothing.

So here I am as a last resort hoping that someone can help me and I already feel guilty for even asking. I will be grateful for anything to help but if I had to put a number on how much I need to get md back on track it would be £800 to cover my bills but I would be happy with anything at this point that could help me out.

Thank you for your time,

Mark

https://paypal.me/Mduffy44812

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Help me pay my wife’s tuition fees to study to become a doctor

Hi Everyone, my name is Lee and I am married to a beautiful woman who’s dream since she was a child was to become a doctor.

Last year she got accepted into Sheffield university in England but we later realised because of her immigration status here in the the UK she is unable to get funding and can not take out student loans for the same reason. I am currently self employed and my business is going slow. I am currently having trouble keeping a full time job as I have very severe IBS and a wheat and lactose intolerance and when I have an episode it leaves me bedridden for almost a week at a time so I am having trouble raising the funds myself.

My wife is too worried to ask anyone for money as she is worried what people would say about her, so I thought I would try and raise the funds myself some other way. For this reason I don’t want to show her face in the image but the image I attached is from a trip we did together recently local to us in Sheffield.

My wife is also a mother to our 5 year old son who we are looking after while she is studying and we are also looking after her elderly father who is terminally ill.

The cost of the course is £9,000 per year which equals to £45,000 for the whole course. She would’ve had to pay international fees which are more than double but because she is married to a British citizen they put it down to the fees of a local student.

We tried to get other funding and bursaries from the university and other places but again because of her status she wasn’t eligible.

We are paying the fees the best we can at the moment with what little money with have a with some help from family but those funds are running out very quickly we have the fees on a quarterly payment plan set up by the university with each payment costing £2250.

We have paid off the first year but we are really struggling to pay off the rest.

Please help us raise the funds. I wouldn’t ask unless I was really desperate. I just really want my wife to be happy and not have this added stress which makes her studies more stressful.

Please donate to my PayPal at:

https://paypal.me/Leedoctor?locale.x=en_GB

 

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JUNKIE MOTHER HAS PUT ME IN FINANCIAL DESPERATION

My mother has been an off-and-on again addict since she was sixteen years old, with the impact on my family being devastating. It has led her to steal from me, my grandparents and beg money from our various friends and community members for the next hit or for food when she’s exhausted all resources. Recently, my very young sister has had to be put in a private school away from her by my family; which has put them under enormous financial strain, just so my mum can’t use her as leverage to gain finance. Over the years, i’ve tried to help her and have spent over £4000 of my own money to do that, however i’ve finally accepted what my family knew for a long time: That only she can help herself out of this pit of addiction, I can’t buy her out and no amount of love, free groceries or the various pieces of money i’ve given to help her out of debts with rent, utilities or criminals; can do that.

 

The moment of realisation finally came when recently; for the first time, she blatantly took a hit while I was running her around town helping her pay off debts; one of which was to someone who’d smashed up a piece of her flat in rage at not being paid, and to get food, which she’d run out of. I was forced to take my drugged up mother around a Sainsbury’s while she picked up ice lollies, sugar sweets, pizzas and other crappy food with my money; while she knows i’m struggling, leading to me feeling fundamentally humiliated, used and like I was a walking bank account to her; rather than a son. This was the straw that broke the camel’s back and finally made me see that the good person my mother was and could be is trapped inside a monster and all i’m doing is helping to feed the monster, not save her.

 

However, in learning this lesson, i’ve driven myself to near financial ruin and right now, i’m trying desperately hard to do well in my final year of university, create a great final year project for my course. I’ve managed to siphon off just enough off my resources to sustain that with my friends/coursemates; as we’re making a short film together, however i’m desperately low on finance myself and am only part-time employed right now, while needing to travel constantly.

 

I’m down to my last few pounds and any help that ANYONE could offer right now would be so appreciated. I’m doing everything I can to dig myself out of the hole that trying to help my mum put me in but I truly don’t think I can do it alone.

 

Thank you to anyone and everyone for any potential help you can offer.

 

paypal.me/MarleyElevenBury

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PLEASE COULD SOMEONE HELP ME FINANCIALLY. I’M DESPERATE !

Hello, my name is Samuel and I’m 49 years old and I live in the U.K. with my wife and four children.

22 years ago, I was diagnosed with a bowel condition which completely changed my life for good. An illness which you lose all control of your bowel at any given moment. I suffered terrible humiliating experiences during the earlier days, of which I’m sure whoever is reading, this can understand the degrading way it can affect you.  Several major operations later, I am effectively cured, however, with a new bowel to cope with, life is challenging, at the best of times.

I was initially unable to work for two years due to my illness, which financially put me under all amounts of stress and pressure. For the past 20 years, from the moment I open my eyes in the morning until the moment I eventually shut them at night, I constantly stress and worry about my dire financial situation, which is due to enormous amounts of debt, built up over the years through continuous lending and pay backs. There has not been a minute of every day for the past 20 years that I have not thought about my situation.

I am a very proud person with a positive attitude, however, over the past few weeks, I am now so desperate, I feel that I simply cannot go on. I have considered suicide, I cannot deny it, as I feel there is absolutely no hope for me anymore. My credit report score is rock bottom and nobody can help me.  Me asking for help is a challenging thought for me, as previously mentioned, I am a proud person and resorting to this is difficult. However, for me, there is no other choice.

I live a very secret life of constant depression due to my financial struggles, which nobody else knows about. The only thing I look forward to is bed time, because this is my own time where I don’t have pretend to anyone, somewhere where I can just pull the duvet over my head and shut my eyes, away from everything else. This, however, is short lived, as it all starts again when I get up out of bed.

I will often go places and just sit in my car, trying to think of ways that I can get out of this mess I am in. I am so desperate to clear my debts and start again with a fresh and new outlook. I would honestly love to wake up one morning and just be able to smile. I would love to stop living a double life and I often think what that would be like. Money has dominated my life for 20 years through debt and misery, and to rid myself of all of that would be the most amazing experience that I can only dream about.

This is the first time in those 20 years that I have ever mentioned anything about my life, and reading it back to myself is extremely depressing and sad. I am hoping and praying that there is somebody out there who could find it within themselves to help me at this desperate time. I am literally begging for help, please, to erase £4,350 worth of debt from my life.

Thank you.

PayPal.me/SamuelGB140

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Mental health ruined my life

Basically, I have extreme mental health issues which caused me to try and kill myself. I was in hospital for a very long time (free health care) but could not afford to pay my bills, leaving me in £10,000 worth of debt in credit cards and bank loans. I’d love it if you could help be get my life back on track.

paypal.me/MaxB881

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Financial assistance ( help to sort outelectricity and Gaz bills also nned for a cooker

 

04/02/2020

Dear Sir ,Madam

My name is Mirna I am mother of 4 children with disability, I am breathless since I have been diagnose with Pulmonary Embolism also I have problem with my both knees and back . I am unable to work I am getting Employment and Support Allowance which is not enough for my family leaving I can’t pay my electricity and gaz bills please if you could help me to clear all my bills.
My fridge, freezer is broken also my cooker please if you could help me , I don’t know from where too start the little money I get I am trying to buy food and cloth for my children ,I don’t want my children to be find disadvantage amongst they are friend I am trying to make then happy my income is very low .
I am sick I can’t go to work this moment due to my heath condition, please help me I feel like I am dying little by little because of thinking of life I love my children’s and I love to give them the best of life but I am limited .
If you help to start a new life I will be very grateful, thanks for taking the time to read my request I am hoping to get a positive answer .
If you need more information please feel free to ask.
Thanks
Mirma

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Single Mother desperate need of dental treatment after unprovoked attack.

Hi,

I honestly have no idea where to start, or how to even word this. Asking for help has never been a strong suit of mine.

Two years ago I was randomly attacked in the street by a man I had never seen before. I had not long finished work and was still in my work uniform. It all happened so fast I didn’t even have time to register what had happened. I was punched in the mouth three times which completely knocked me out. When I came to all I could taste and see was blood. An ambulance had been called and the police were standing around me telling me to not move as I had hit my head. Once the ambulance arrived they checked me for concussion which I didn’t appear to have however, the paramedics wanted to take me to hospital as it appeared my teeth had gone right through my bottom lip and I needed treatment.

Once at the hospital I had a doctor examine me and had my lip glued. I was released roughly 6 hours after arriving and instructed to seek an emergency dentist. The next day I travelled to an emergency dentist who informed me that my tooth had been pushed up into my jaw bone nothing could be done as there was too much swelling, I essentially had to wait to see if the tooth would die or not.

Fast forward two years, I now am a single mother of a 9-month-old little boy supporting him entirely on my own. As the months go by I ham experiencing more and more issues with my tooth. I am in constant pain and cannot bite into anything hard not only because of the pain but I also cannot risk pushing the tooth, which is now rooted in my bone up further. I have been told that I need braces in order to try and pull down the tooth to try and set it back into place. The problem is I have been told that this will cost £2,500 or $3,248 as I am sure you can understand as a single mother that amount of money is impossible for me to come up with when we struggle financially every day.

I cannot cope with this pain anymore, if anyone could please help I would be forever grateful to you. This is my last resort. I have decided to share the photos I took once I was released from the hospital. Thank you so much for taking the time out of your day to read my story.

paypal.me/chloedentonxo

Chloe.

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Adoptive Family needs help

It has taken a lot to pluck up the courage to post our story on here but we have got ourselves in a bit of a financial mess and we are struggling to find a way out on our own. Here is our story….

Myself and my wife met 12 years ago, we got married 9 years ago and we are still very happy together. In 2015 we decided we would like to make our family complete by having a child together. We discussed the many options of how we would go about this, as a same sex couple the options are limited but in the end we decided that with so many children in care in the uk that we would go down the adoption route. When we made this decision we were running a successful sandwich shop together and were financially and emotionally secure. On the 27th January 2016 our beautiful son was born. Sadly his birth mother had many problems with drugs and alcohol and our son was born with neonatal abstinence syndrome. When we first met him he was only 6 weeks old and still being weened off heroin! It was so sad to see a baby in this state. We were told at the time that his future could be uncertain but we fell in love with him at first sight and decided that we wanted to be his mummies no matter what his future may hold. As time passed it became apparent that our son had significant learning delays, he wasn’t developing like other children his age, but we persisted to seek the best help that we could for him. By 18 months it became obvious that there were significant delays and it wasn’t going to be easy for my partner to return to work and therefore earn money. The business started to struggle due to various reasons, having to employ staff, long term sickness of an emloyee and the uncertainty of brexit going through led to people not spending. We started having to put things on credit cards to get us through each week. sadly we were plagued with lots of bad luck when it came to our finances. I had to run the business on my own with staff which has ended up being so hard on the finances of the business. We are struggling to keep it running at the same time as dealing with all of our sons additional needs, no nursery’s would take him because of his additional needs. We are still waiting for a diagnosis with regards our son but it’s looking likely that he may be on the autistic spectrum and have ADHD. But until there is a diagnosis we can’t get any financial help with disability benefit. Now due to costs within our business and with my wife not being able to work we have found ourselves in just under £20,000 of debt. Because most of this is Debt is on credit cards we are barely managing to scrape together the minimum payments therefore never paying any of the credit card balances off! All we are doing each month is paying the interest which is ridiculously high. All we want to do is give our son the best start to his life and emotionally we are fulfilling this, he is such a beautiful happy little boy who is moving forward in the right direction every day, he’s even now finally starting to say some words which is amazing! but now the financial side is putting such a strain on us that we are worried that if we can’t get on top of our finances that we are going to lose our business and end up having to go bankrupt! No banks will give us a consolidation loan even though we are meeting the minimum payments on our credit cards Its obvious that we can afford it to pay a loan. We have no family to turn to either. If there is anyone out there who could find it in their hearts to help us out of this difficult situation it would mean so much to us and our beautiful son. If you would like to send any money to help please send it to our paypalme page…

https://www.paypal.me/SamH1980

 

Thank you so much I’m advance.

 

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This is the hardest thing I have ever done and I apologise outright

I am a 21 year old father in England and writing this message feels incredibly alien and hard for me. I work for a supermarket company with an awful reputation that has failed to pay me anything for the last 2 and a half coming up to 3 months. There are many others in my store that have also been paid late or incorrectly but through no fault of my own the managers and area supervisors above me have done nothing but assure me that I will be paid “soon” and I see no chance of that happening now. I hold myself to blame for staying with the company and choosing to believe that their payroll systems will be fixed “soon” but I am now facing eviction and possibly losing my son if I can’t get this months rent of £700. I have had to borrow and beg from many of my friends and family members to make up enough money for rent food and bills these last few months but I am now becoming a burden that these good people truly don’t deserve and can’t sustain any longer.

I know in my heart that I will pay all of these people back the moment I have the money but right now the only thing that is important to me is keeping a roof over my toddlers head and it has lead me to beg for help over the Internet. I didn’t even know this was possible and after reading through some of the other stories and pleas on this site it is very clear that my struggles are as much and in many cases less important than others but I honestly have no idea what to do now. I have tried to pursue legal action against the company I work for simply for the many hours I am owed for but each avenue is apparently covered by some loose sly law that allows them to string me along on faith and I’m slowly loosing my mind over this. I have never held so much fear in my heart over anything before but the shame of asking for help online is lesser than the seriousness of my financial and life situation.

 

i have lived in my apartment for just over a year now and have never had any problems paying or feeding myself and my family but as kind and understanding as my landlord and letting agency are they cannot allow this to go on anymore. I have pushed and pleaded and begged this company to help me but it feels like they have just swept me under the rug and tried to hide the wrongdoing that they have caused and I feel as if this is my last option. Personally I don’t have any student loans and have never needed an overdraft with my bank but I am now deeply in debt and the thought of what might happen within a short space of time is enough to make me visibly sick with terror.

 

I’m not sure if I feel overly hopeful about this venture as writing a personal statement of my fears and troubles to people I have never met before on the Internet feels extraordinary shameful and weak but I have never been a prideful arrogant person and for my family I would do anything. I’m not sure how this works other than posting my plea and hoping for donations but I just want something to be clear from the start. To anyone that has the god given gift of generosity whom chooses to help me with this awful dilemma I am facing my gratitude, love and true admiration for you would be impossible to describe with words. As the title states this is without doubt the hardest thing I have ever dealt with and it’s killing me so please know that if you were to give a penny I wouldn’t have anything but love and respect for you eternally. You would be welcome in my home always and I would be honoured to share all that I had with you because for my loved ones I would truly do anything.

 

I hope I have said enough to explain my situation but any questions you may have please don’t hesitate to contact me. Other than describing my worries and emotions I have tried to be as straightforward as possible but I don’t see any other way of getting my position across.

 

thank you for reading through and taking interest if you have, any donations would be emphatically appreciated and accepted with the hope that once I am situated comfortably financially I will be able to pay you back. Enjoy your day and email me if you have any questions, thank you ~

 

PayPal code ~ https://paypal.me/Taviantownie

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Well I never thought I would do this!

My name is Linda, I’m 41, a single mum of a beautiful 16 year old daughter, she is doing well at school and has a bright future. I own my very small house and have a mortgage on my own. We live in bonny Scotland UK.

I have always been strong and independent, always worked hard and appreciated everything I have achieved, I am also ex RAF and served my country. So why am I on here you ask?

Where to begin, I was diagnosed with depression and anxiety about 2 years ago after  suffering a breakdown, I just thought I was exhausted and lonely (through my own choice became a hermit). Within this 2 year period I have struggled with jobs and changed jobs several times, (I’ve never really found anything that truly satisfied me) in my heart i am a singer/musician but never found an opportunity to make money from it.  This meant I have struggled to Keep up with the normal bills and mortgage, I’m actually behind a months payment on everything right now.

What’s completely ironic is I am a spiritual person I have great belief in the law of attraction, belief that we create our reality, but I think I’ve fallen so low it’s just gained more and more momentum that I can get off and I find myself (despite believing things will get better) struggling more and more. I’ve managed to rack up considerable debt to friends and family as well as loans and credit cards which seems never ending at this time. So in a nutshell that’s why I’m here, I’m asking for help, maybe the universe has guided me here to find you and fortune favours the brave right?

So how much do I need I here you say? £1000-1500 would get me back on track, even a couple a hundred at this point!  But if I was going dream big, if someone was gonna bless me with making my financial dreams come true it would be £160,000. That would pay my mortgage off and all debts, it would enable me to work part-time, instead of the 2 jobs I have always worked, which in turn would mean more time with my daughter and actually living a life instead of surviving. I know it’s a big ask but I have asked and I’m gonna keep on dreaming and imagining it happening. Because there’s always hope. We have a saying here “shy bairns dinnie get any sweeties” shy children don’t get any sweets lol.

Thank you so much for reading my story if you would like to help me please donate and if not hopefully my story has been a good read if nothing else.

paypal.me/lindamc78

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Help making a start rebuilding my life

I have suffered with mental health problems from birth, these problems throughout childhood consisted of ADHD, OCD, anxiety and depression though I struggled to get a diagnosis in primary school as my head teacher would not sign of on me going for a diagnosis her stance was always “Mental health problems do not exist in children, it’s just bad parenting on the part of the parent” even when I received the diagnosis in primary school very little was done for me as they did not have the staff capable of dealing with my complex needs and this continued through school until I finished secondary school at the age of 16.

I have been seen by numerous mental heath workers in the NHS yet despite being in the mental health service for over 20 years I have never once received treatment. It is always the same cycle of events every few months, meet a new mental health worker, explain my story, they come up with a plan going forward, yet next time I come I am always greeted with X has left the service and my name is Y I will be working with you going forward, and repeat.

This happens every time I have never had anything more than an initial assessment. Due to this combined with severe mental abuse from my father I  struggled throughout secondary school and developed serious confidence issues to the point where I could no longer speak to anyone aside from immediate family and a few friends.

Upon leaving school my parents split up, resulting in me and my mother being left homeless and penniless.

despite this my mother worked hard despite suffering from various issues of her own, and I went to college, though during this time I developed severe agoraphobia, meaning I could no longer leave the house resulting in my college kicking me out in the last few months of my course leaving me with none of the qualifications I had spent the past 3+ years studying for.

Ive continued to suffer with agoraphobia, anxiety, OCD and depression for the past 8 years yet in recent years I have begun to improve slowly, I am leaving the house, I have a small job at a local pub in the hopes of improving my confidence and getting my life back on track, it’s slow but I’m getting there and have began doing some managerial duties and recently a small pub close to my family has become available for lease, but as it stands I cannot even cover my bills let alone hope of being in a position to take on a business, but despite everything I really want to make a go of it, and try to regain some sort of life for myself and my family.

If you could help help me with this first step towards rebuilding my life I would greatly appreciate it. Thank you for your time.

Regards Carl

https://paypal.me/CJX10A

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Urgent Help Needed

Hi I’m Lee I’m here to ask for help because I’m struggling very badly financially with over 30,000.00 in medical debt and still adding up from new bills. A little about me im 24 years old and I have Ehlers Danlos Syndrome which is a rare connective tissue disorder that is genetic with no cure. It affects everything inside and outside of my body all the way down to my skin, joints, bones, ligaments, tendons, tissue, organs and muscles. EDS is the short terms of Ehlers Danlos Syndrome, I have the hyper mobile type. EDS is where my body lacks the collagen it needs to hold everything together and to function properly. I have had to deal with numerous health problems through out my life like four knee surgeries, 2 nose surgery’s and need another, a foot surgery and needing another in my other foot, needing wrist surgery and more. I struggle with joint pain, sublaxations, and dislocations in most all my joints including my ribs, shoulders, hips, wrists and fingers and along with stomach, liver and heart problems, Mast Cell Activation Syndrome, POTS-Postural Orthostatic  Tachycardia Syndrome, IBS, ADHD, PCOS, Agoraphobia (severe anxiety disorder), Degenerative disc disease, chronic arthritis in every joint and constant pain chronic pain, there are to many to list. The one I’m facing now is bilateral disc disorder and severe TMJ.  My jaw is deteriorating,  dislocating and locking up, Its gotten so bad that I can’t chew solid food anymore. I’ve lost over 32 pounds because of not being able to eat solids or not eat at all due to sever pain in my jaw. I need a very expensive surgery, Bilateral Arthroplasty and replacement of the discs, that no insurance covers even with an appeal. It’s medically necessary and I’m still fighting to try and get coverage as I’m in desperate need of this surgery to live a somewhat functional life. The cost is $15,000 per side total and then the cost of the hospital room is minimum of $5,000 up to $10,000.  If they need to take tissue from my stomach to replace the discs instead of artificial ones it will be around another 15,000 or more.  So my husband and I are looking at $35 to $45 thousand dollars. I feel so bad for my husband that we are struggling this bad financially because of me, I’m to the point that working a full time job isn’t possible anymore and I’m working on trying to get disability and hopefully maybe a part time job after to atleast do my best in helping contribute to bills, if I do get disability it will drastically bring down our income and make it even harder to support ourselves. I’ve put my parents in so much debt because of medical bills as a kid till an adult that they can’t even buy a home now and I feel aweful because it’s out of my control being born with these issues and being adopted it’s hard to find all the health history. We have already sold what we can  because of numerous medical bills. I absolutely don’t like asking for help but feel it’s needed at this point and would be greatly appreciated more then you would ever know and anything helps big or small! God bless you all.

https://www.paypal.me/leedufc

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SINGLE FEMALE NEEDING HELP

Hi All

Firstly, I would like to genuinely say thank you for taking the time to read my plea for financial help and if you can help even in the slightest I would be eternally grateful.

I would like to firstly state what it is that I need in order to get back on my feet and then delve into the background information.

I am desperately seeking funds in the range of USD $800 – $1,500 and the reason for not having an EXACT amount is that $800 will secure me with the basics needed. The extra $700 would enable me to buy instead of rent basic household furniture.

Now that the financial needs have been discussed I will explain my current situation.

I was in a relationship for the past 5 years, living with my partner for the last 3 years. Within the last year the relationship started to spiral downward with my partner becoming very aggressive, jealous and insensitive. Without going into TOO much detail, I was subjected to intense emotional and physical abuse almost daily. I consider myself a strong person mentally and very independent so this did not sit well with me. After attempting to leave on various occasions, his apologetic personality always kept me coming back, only to experience the same abuse over again.

A month ago I finally had the courage to walk away for good this time. I have a small amount of money saved, as well as funding from my family, but it is an expensive life change and that is what brings me to ask for help from strangers.

I have been approved for an apartment in another city and need financial aid for bond, rent, furniture, upcoming bills as well as everyday living expenses. I transferred my current job but do not start until 1 months time so this time is very stressful.

I hope that anyone can help in any way that they can, big or small – I appreciate it so much, and sincerely thank you.

my paypal link is paypal.me/kristylee762

Filed Under: Rent Tagged With:

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I’m struggling to pay my rent

Hi everyone.

My sister passed away recently and I’m really struggling . I’m mentally and spiritually broken.

I found a part time job but my rent hasn’t been paid for some time now and my landlord is really patient and understanding however I think it will end soon If I don’t do something about it. I know that there are many ways to make money nowadays but believe me I’m broken and I need time to heal. Not only I lost my sister I also lost my soul mate. It is hard. Please good people out there if you can help. Any donation will help. I can prove my rent bills upon request.

God bless

paypal.me/aleksandra36

Filed Under: Rent Tagged With:

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Second chance, please help clear my debt.

I need financial assistance, first and foremost, I don’t think I am entitled to or expect someone to give me their hard-earned cash.

However, if anyone would like to support me in clearing my debt I would be very grateful.

I am not sure where to start, I have never taken out loans, credit cards of catalogues because I am materialistic or because I want the best things. I am a lone parent, even though I have always worked and do get some benefits to supplement my income, I have never really had a disposable income to afford items such as a new cooker when my old one has broken, this is just one example.

I understand that most people are in this situation, however people like myself who are on a low income, are targeted by creditors and charged a much higher interest than let’s say a person who is earning a great deal per year.

Due to a poor understanding if interest rates etc, I would start out being able to afford the minimum every month, then they would give me more credit, this resulted in the minimum payment going up.

Before I knew it, I was in a position where I could no longer afford the pay which resulted in extra charges. I have tried to get assistance with the debt from step change, citizen advice, however unfortunately, they were unable to help.

Last year I made complaints to the financial ombudsmen, in regards to irresponsible lending, with the hope that I could get the debts written off. The financial ombudsmen have only suggested that the creditors remove the interest and charges. Despite this, the debts are still too high for me to be able to pay them off.

You’re probably thinking ‘well get another job, earn more money’. I have thought about this, however, when on universal credits, the way the system works, the more you earn, the more they deduct from your benefit. So whilst I am earning more money, I would still end up with the same income (but it would be made up of earned income rather than benefit income and earned income combined).

So I am in a rock and a hard place, I want to do better and be better. I have recently signed up too higher education, in the hope that I can get a degree. This should help with getting a job that pays more than the minimum wage so that I can see a rise in my earned income, which would give me a disposable income that I can work with to pay off debts.

The only issue with this is I will be putting myself into more debt. I just can’t see a way out of this, I have been unable to find a guarantor so I can get a larger loan to pay off my debt. Even with a guarantor loan, the interest would still be too high. So this is not a viable option, long term either.

I would just like a second chance, a chance to start from scratch with a clean slate. Complete my five-year education plan, so that I can set up my own business and become solvent.

I would be thankful for any donations.  I am unable to add photos of my creditor letters as the files are too large, but if you email me I am happy to provide. Thank you.

paypal.me/llsheppard

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Struggling with debt and house bills

I work as a housekeeper for the family. I have two daughters and my husband left me they my kids are aged 5 and 3 years old. My ex husband left and left nothing and never gives any support. I raised my daughters on my own. However difficult to raise them in my own, I tried to give them happy and comfortable life. They are good children and very loving. As a mother who was raised with nothing, I tried to give them whatever they need and the my financial situation is getting out of control. And pilling more debt. I have a job but my job does not pay enough to to cover my bills and expenses. As much as I would like to save up to own a house or a flat one day so I don’t need to rent, I can’t. Because I have to pay first my credits and bills otherwise the interest will be much worse. I don’t know anymore how to cope with my bills and at the same time help with my family. My dreams of having my own house is slowly fading away. My hopes of having a business is crashing because I don’t know where can I get a fund to start with. All I can afford now is my rent and house bills. The rest goes on my credit card and borrowed money. I work 10 hours a day. Sometimes taking a weekend job just to earn more extra. But it wasn’t enough. My daughter wants to go to university but I’m so scared to turn them down because I know that we can’t afford it. Please kindly help me. Thank you so much for your time reading message and please kindly understand my situation. God bless your heart.

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Debt Help-I want to pay you back or other back

Hi. I’m a 29 year old accountant, and have worked since the age of 14.

I have been pretty good with money over the years and have tried to stay away from credit, but recent events have caused me to spiral into debt.

3.5 years ago I lost my sister, she committed suicide and even still to this day I am still in shock and grieving. I also lost my mother at the age of 21 and have no father.

I never thought in a million years that I would develop a serious mental health problem. I have suffered with Anxiety since I was a young child, but it was manageable. Since losing my sister, it has spiraled into crippling anxiety and depression to the point where I could barely remember what I had done in a particular day or be that tired that I wished that I wouldn’t wake up the next day.

I have 3 siblings still alive, and I am the oldest therefore they look up to me as a role model and work hard through school and college. No one knows how much debt I am in, because I’m one of those people who always helps others and has time for others, even borrowing money to others when I hardly have any of my own, and I don’t like to put my problems onto others as I don’t want them to worry about me when they have enough problems as it is.

I am in a much better position mentally than I was 3 years ago, but the stress of the debt is keeping the depression and anxiety cloud heavy. I want to be able to live life without worrying about the next month and how I’m going to survive the food shop. I always pay my debts first from my wages and live on the rest, but as I’m paying so much in finance each month, I’m having to use the credit card towards the end of the month to buy food or petrol for work.

I’ve worked since 14 and have always been just above the minimum pay rate, which to be honest is ridiculous considering I am an AAT qualified accountant with 13 years of experience, but with the debt I have I can’t afford a gamble for a better paid job.

If anyone does help me, I promise to put away money each month to other people who need help. Whether it be donations or a website like this, I don’t believe in money for nothing and I want to give back to help others. I rarely ask for help, but I just can’t see a way out at the moment. I just need to clear the debt, so I can clear my mind and start fresh. I will never use a credit card or account ever again, I swear.

My current debt is:

Tesco Loan £119 per month Balance of £3,500

PayPal credit card £65 a month

Balance £2,002

Tesco Credit card £35 a month

Balance £2,300

Barclaycard £45 a month

Balance £1,400.

That is all of the debt that I have.

To anyone that decides to help, thank you from the bottom of my heart, you’ll never know how much you saved my life.

 

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In debt and can’t get out of it :(

Hello!
I am 30 years old and getting married later this year. I am currently working two jobs, one from home and the other is my full time general job. I am currently in just over £8000 of debt and even though im working two jobs I am reaching a point that i can’t even afford the minimum payments anymore.
I work full time to cover my living costs, rent, bills etc and the other job is actually a small business I set up three years ago, it’s doing well but not well enough to pay myself yet. I am working both jobs just to live and its been this way for around two years now. The interest on my credit card is getting so high that i’m so worried that there will now be a day where i literally cannot afford it.

On top of this i have previous loans and business expenses that I am struggling to afford. Luckily i manage to pay a business loan off through the business but if i pay myself anything from the business it takes away any money for new products etc and the business falls short. Its a situation where If i take money the business will struggle but if i don’t i struggle anyway. i can’t win at the moment and it’s making me so stressed.

On top of this the last year my full time job went into administration, they made a whole heap of staff cuts and reduced contracts and i was one of the people that had their contract cut, i had just moved house at the time and so it’s added onto the growing debt that i am now facing because my hours have been reduced to a point that i literally make enough to afford the bills and thats it. I have been selling my own belongings on ebay for over a year now just to cover additional costs. I am looking for a new job but once again its a situation that I am struggling with due to the fact that my own business is starting to grow and i need the extra time to also work on that but if i split the two i can’t work more hours at my job as i will be working at my home business not getting paid. If I work even more hours i cant work on my own business i have spent the last 3 years building up and i’ll have to close it all down as i won’t have the time to work on it. I have always wanted to own my own business and to finally do it is amazing but i’m still not at a point where i can afford to pay myself anything at all. I can’t win and I feel so trapped. I also have a heart condition that means that gets me out of breath very easily. I walk just over 2 miles to work each day (just under 5 miles there and back) because I don’t drive and also can’t afford the monthly cost of a bus pass or train pass. It’s an expense i just can’t afford at all. I can’t remember the last time I rested fully from both jobs. I am so stressed and hate this entire situation.

I am also due to get married this year in October. We booked the venue before everything started piling up and then work hours were cut and now i’m struggling. My other half has been very supportive with paying extra bills and costs here and there but I hate that we might even have to cancel the wedding due to my own costs. I can’t add more debt to pile as it’ll be too much. I feel like I can’t win at all. Cancelling our big day would be so awful but I feel it might be necessary. We even went with a location that is also a charity for disadvantaged kids. The money from our wedding goes directly into the charity and to help kids throughout the year, its an amazing thing they do but to let them know we’re cancelling would be awful. I really hate this situation and my stress levels are awful right now. I barely sleep anymore.

I know so many others have real problems compared to my debt and I am sorry to post this kind of thing, I never thought i’d feel the need to ask for money from people but i really don’t know what to do anymore. I am still looking for a better job, i have been trying to transfer credit cards to zero balance cards for a few months but ive been denied all offers. I have tried to consolidate my debts into one expense but the minimum costs and monthly payments are too high for me to afford. My bills are more than what I pay in rent.

I appreciate anyone reading this and if you donate than thank you so so much. Thank you for taking time out of your day to read this.

paypal.me/Hal1978

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We’re all in the gutter but some of us are looking at the stars

Nearly 10 years ago my dad died, I was too young to have any part in the probate or will process so it went through executors who my dad assigned to his siblings. It was a very long process and by the end of it my dad’s business was sold for less than it was worth and the majority of my inheritance was used to pay solicitor fees and then given to one of my siblings. I managed to salvage some of it which went straight towards debt but didn’t cover it all. Since then I have only accrued more and more debt. I had to sell my house to get out of a domestic abusive relationship, again the capital made from selling went towards the debt but that didn’t solve it and with living expenses growing and my wage not I then got into a deeper puddle.

I’ve been left with depression from my dads death and PTSD from the domestic abuse. It got that bad that I couldn’t leave the house for months and I’m always looking over my shoulder to this day. I’ve survived two suicide attempts which the latter made me think. I’ve been in therapy dealing with these issues which has delayed me dealing with the here and now issue of debt. My focus has had to shift and I need to clear the debt so that I can continue dealing with my depression and PTSD and ensure that I never get back to the low place that I’ve been in.

I decided I want to change my story and turn my life around. I have a lot to offer and I want to give back.  I’m not after a handout, I want to get back on my feet so that I can help others get back on theirs. I have so much experience that I can share with people to help them in similar situations.

I have a desire to set up my own business helping people with jobs around the house such as DIY, gardening, shopping, decorating, etc. no matter what their age, gender, disability, social status, race, sexuality, etc. I can’t do this until I’m debt free and have saved some equity from my current job.

I’ve sorted out how I will get through the majority of my debt but there is still a bit holding me back that I can’t seem to find a way of dealing with. It’s now the only thing holding me back. I need to find £7,000 to get myself where I need to be.

I would appreciate anything you can spare me,  not only get me out of the gutter but help me see the light of day again and then help others.

Thank you for taking the time to read my story

paypal.me/JThornton440

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The hard road to normality.

My story begins 6 years ago when I met the woman I believed to be my soul mate, who shall remain nameless for confidentiality. For the start of my relationship things were normal and as ever couple goes, having their regular ups and downs, making up and moving on. For a time I believed I was happy and that nothing would make it better.
We took out a loan in my name and knew the risks of whats included and the payments needed to keep on top of things.
As time went on the woman I loved began to change into something I wouldnt recognise later on down the line and it was at this point where I began my journey through a toxic relationship that has shaped me into the man I am today. When the first problem came about it revealed a dark side to her and alcohol played a strong point in it. During our first year and onwards I found out that she had used my details to take out a smaller loan to help her cover the cost of things where she had spent most of her money going out all of the time. I didn’t hold it against her at first and yes I was annoyed as anyone would be but we worked through it and somehow moved on. As the years went on I found out that this kind and caring person would turn into someone ghat would trap me into a life that sank me into the deepest darkest places, never knowing when I’d have to chance to do regular things since going outside of the house for anything besides work would leave me picking up the pieces of her mess or in a few cases; at least 7, tending to my black eyes, concussions and in one night a trip to hospital to fix the breakages in my nose.
I feared for what was to happen in the day and for what awaited me getting home from work. Towards the end of the relationship I knew I had to make the leap of faith and end the mental and physical torture of my day to day routine.
I took the leap on a quiet morning, packing my things while she slept off the next hangover and left carrying all that I could to my brother who lived roughly around an hour away. On my walk I received calls and texts telling me all sorts of insults unkind hopes since I was finally free.
The start of my journey to normality began last year in July 2019 where the burden of crippling debt weighs down on my life and the scarring left behind by the one who said she cared. I live week to week since month to month is far harder for me at this stage and all I care about is paying these debts and returning to normality so that I can enjoy the things everyday people do.

paypal.me/robertguise

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I need £5,000 to pay off my student debts

Hey everyone,

Writing this feels bizarre. If you’d told me five years ago that I’d be in this situation, I’d have laughed in your face. I was always a good student; smart, hardworking, diligent. My mother, although we didn’t have much money growing up, always prioritised my education above all else.

I was studying for A-Levels, and my mum budgeted tightly so that we could have some money spare for private tuition, as I was applying to Oxford and wasn’t confident I could pass the entrance exam without it. My school rarely sent pupils to Oxford or Cambridge, so there wasn’t much support from them as they just didn’t have the resourced.

Anyway, long story short the tuition paid off, and I got into my dream university (not Oxford in the end, but I was much happier). I was over the moon. Once there, I was sure to get a part time job alongside my studies so that I could support myself without relying on my mother. Still, the costs of living kept mounting. My student loan and grant just about covered my rent and bills for the year. The money I made part time funded everything else.

Still, by the time I finished my first year, I was £2000 into my overdraft. I appealed to the University hardship fund, but I didn’t qualify as I was already the recipient of the government grant; they didn’t seem to care that their cheapest accommodation was only slightly less than my living loan and grant combined. I was forced to take out a traditional bank loan of £10,000, as that was the amount I estimated would sustain me for the next few years of university. The money took the pressure of me short term, and I came out with a degree I am proud of, and I got my dream job working as a video game designer.

I am truly thankful for my mum, who encouraged me to pursue my dreams, and I am grateful for the education I have received and the opportunities it has given me. My salary though, is entry level, and I have to live in a very expensive location for my job. I flatshare, and don’t go out much, because alongside my rent I am paying back around £350 a month in loans. That leaves me around £200 for food, and I’m truly scared. I’ve never missed a loan payment, but I know that if I miss even a week of work due to illness (I’m a contractor so don’t get sick pay), I’ll be in real trouble.

I can’t ask my family for money, as my mum never had much herself and has sacrificed so much for me already. I’d like to have my debts paid down (I’ve paid around £4,000 off since graduating) so I can start saving. I’d also like to do something nice for my mum, as a thank you for everything she’s given me.

If you’ve read this far, thank you – I’m genuinely grateful to each and every human being who has taken the time to read my story!

 

www.paypal.me/gabri3ll4

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I will persevere

 

Thank you to those of you who come onto this site with the purpose to change anothers life.

And to those in hardship I wish you the very best, stay strong and calm, if/ and when I’m in a better financial state I’d like to help as many of you as possible.

Anyway, my name is Sean and I’m young enough to turn my life around (24), I’m not holding out much hope on here but if someone reads it and it helps them too then it’ll be a good deed.

A bit of history about me, I started my life off very well and I had a very good lower class upbringing and always considered a smart, witty and good person.

Jump forward a fair few years and I started working in the catering industry and going through promotion after promotion until I’m asked to train to become a head chef.

If I had been smarter at the time I should have taken it because what followed was my older brother (by 4 years) asking me to join him as a carpenter and help him set up a business with him.

But he needed a van, a few “small” investments and a helping hand
So I thought I would do the decent thing and help my sibling out, to gain maybe a bit of respect from the family. So I bought him a van, paid for licenses and materials as of when it was needed.

£10,000 later and there has been no return on profits, he has not been paying me consistently for the last 10 months and I needed to take two loans out to cover costs of rent, bills and basic living.

I’m fully aware now that I won’t get what I put in back out, and I also know he has no intentions of paying what he owes as he has other family members to pay back..

..other family members I can’t go to for help because he has already given off a bad impression of repayments, so I could never ask.

I apologise for the rant, I’ve been bunging this up and it makes me feel slightly better for just getting it out. Basically I have three loans totalling £6435.88 I would like to pay them off and have a clean slate.. move away from my from my brother and concentrate on working hard for myself.

The first person I’d like to ask to help me is my dad, but I know that in doing so I would have to explain the situation of borrowing money, and then telling him about my brother who owes him money as well..

I don’t want to be responsible for breaking a family apart, I’d rather deal with my own problems and move away.

If there is anything you could possibly spare it would be appreciated, I know there are more people in worser situations than myself and I understand if you’d rather help them.
But if you do decide to help me, please feel free to contact me for any details and you have my word that this investment will not fall flat and I will pay you back one way or another, you’ll be investing in a bright young man who wants to change his life around for the better.

Thank you for reading.
paypal.me/Sean022

Email me if you can offer any advice, I’d feel better about that than asking for money.

A whole hearted thank you is all I can offer.

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Any help or advice greatly appreciated

Dear amazing, generous strangers
Where do I start? I have scaled the depths of the internet world in search of make money quick tactics but I have failed and lost more money signing up to these gimmicks. This is why my message lands in your Inbox. My name is April, I live on a little island in the United Kingdom called the Isle of Sheppey. It is nothing special but it’s our hometown, the hometown me and my husband thought to be perfect for our young son to grow up in. I am 32 years old and have worked since I was 14 until approximately 4 years ago. I left my longterm job of over a decade for a job closer to home, more pay and much better hours (who wouldn’t), sadly the company went bust within 11 months of me starting to work. I tried for a VERY long time to find more work but was unsuccessful. I then fell pregnant and it didn’t seem plausible to get a job whilst pregnant. My husband earns a very good wage but sadly due to this he has to pay out a substantial price in taxes, national insurance, work perks, expenses etc. Aswell as trying to look after our home and joint finances. I always planned to go back to work when our son started nursery however I have always suffered with mental health issues but somehow got through life until it was too much. Things really did blow up for my family. I lost myself, I didn’t recognise myself nor did I like myself. The pain I caused people around me was unthinkable. I was severely depressed, suffering panic attacks multiple times a day, couldn’t eat or sleep, I was a bag of agoraphobic bones just moving from my bed to the sofa each day was painstaking. All the days blended into one and I festered and panicked my way through almost a year until the darkest time of my life. 14th August 2019 I wanted to end my time on this earth. I felt I was a complete burden to everyone around me and that my beautiful son deserved so much more than I could offer. After  6 hour long panic attack, self harm, mental health crisis teams, two ambulances and my husband racing back from his work place which is 200miles away from where we live. It was a very difficult time. The next day I started antidepressants which was a panic induced whirlwind at first but it has saved me and I am getting better but still waiting for therapy. Our mental health service is VERY stretched in the NHS. Anyway my point is I have zero money of my own, I have maxed my overdraft and my credit card. My husband is struggling with money I know as he has become very stressed and pushing me to get work which I am not mentally ready for. I have tried to start a business from home, if you’d like to check it out on Facebook it’s called Biddy’s & Bouquets. I make gift hampers, chocolate and sweet filled balloons, balloon Clusters etc. It doesn’t seem to be taking off how I had hoped though and I worry for our future. We live in a huge house and you would think we have money but we don’t. Nothing spare, everything goes on bills and debts we have accumulated in an attempt to get myself better. Spending thousands on retreats, hypnotherapy, private psychiatrists you name it. My marriage is struggling, our life here is not certain. We never used to play the lottery until recently we are just hoping we will be lucky but it is money we truly do not have. We don’t smile or laugh like we should. We worry about every single penny. In an ideal world and my dream is to have our mortgage paid, all our debts paid off and me be able to run a small animal sanctuary and to also become a buddy to local elderly residents. I feel we are just stuck, and will always be paying things off until we die or lose everything. There are people out there so much worse off but I hope you can see that I want to do good, I am a good person and I find it incredibly sad that money is basically everything. If my message made it to your screen then I do hope you can at least be humble and offer advice to me to end my plight. I’ve never asked anyone for anything in my life, nor has my husband so I feel extremely shallow sending this “sob” story out to you all. I do hope to hear from you and wish you a wonderful New Year, a new decade for new beginnings.
As I type this to you my husband has just been on the phone to me in tears over money. He kept us afloat when I was poorly, paid everything he could to try and help me get better and now we are suffering. For him to cry has really broken my heart. I know there will always be someone worse off but everyone’s pain and suffering is true, real and matters. My husband feels the only solution is to sell our house. Which is going to be hell. We’ve hit rock bottom now, is there anyway you can help us? Forever grateful even just for you to acknowledge my plea.
Kindest Regards,
April
paypal.me/asholland87

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please help, desperate for rent money

Hi anyone reading, I’m so embarrassed to even consider this but I need help. This year has been tough, I had a mild break down at the start of the year caused by many issues, I suffer from endometriosis, asthma, psoriasis, fibromyalgia as well as working full time, raising my son and dealing with my husbands issues, this resulted in myself being off work for nearly 6 months although I’m fairly lucky with my job as I received full sick pay the whole time. I managed to get myself back to a state where I was able to return to work but it’s still a daily struggle. The one constant that keeps me going is my 4 year old son, I’m biased I know but he’s the most amazing, gorgeous, clever little boy and he is my absolute world, he’s the reason I’m mainly doing this. He loves his home and doesn’t want to leave.

my husband has issues putting it mildly. He’s had an alcohol problem for a while now and although he’s ‘functioning’ he has had health problems this last year, mainly seizures which has in turn resulted in job loses due to health and safety risks. 🙄 this has been an obviously hit to our income and as hard as I’ve tried I’m now really out of options, as I work I can’t claim any so called ‘crisis loans’ as these things are only for people on benefits. I get penalised for working and don’t get any help at all, even with husband out of work according to the government I apparently earn enough to pay all the bills and rent and have enough to feed and support a family. I would absolutely love to see one of them try it and see how they fare. Oh and another kicker with husband out of work I’ll lose my sons Pre school funding so he’ll lose out on time there before starting school in September. This would also then put additional strain on my mother in law who looks after my son for me while I’m at work and he’s not at Pre school.

Im stuck for the rent money this month (£700) usually the husbands wages pay this while mine does the rest. Just this months and I’m sure we’ll get through, hopefully husband has work in the next couple of weeks and we can get back on track scrapping through but surviving. Feel like I’m in a never ending battle sometimes but I have to get through it for my little boy so please anything, please anything at all is appreciated.

Thank you for reading and thank you even more if you give.

https://paypal.me/CWaters89?locale.x=en_GB

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Tuition Fees

Very warm greetings to you,

My name is Laura and I am a second-year university student studying abroad in Western Europe. I am loving my course, majoring in Human Geography, Politics and Anthropology. In the future, I hope to be working with former child soldiers in rehabilitation and education programmes to help them to build stability in their countries. I understand that poverty breeds crime, and crime begets violence, in a vicious cycle that can only be broken through education and rehabilitation, offering children the opportunity to build peaceful, secure and fulfilling lives. My most recent assignment was a 5,000-word literature review on the effectiveness of structural adjustment programmes and political conditionalities associated with foreign aid programmes from organizations such as the World Bank and the IMF, in the late 1980s and 1990s. Another assignment was exploring where sovereignty ought to reside within a society, using the writings of philosophers such as Hobbes, Rousseau and Foucault.  I find the courses I am studying incredibly fascinating, continuously challenging me and my thinking, helping me to grow academically and expand my ideas for my future.

Up until now, I have paid for university myself, saving money earned through working holidays and weekends. I do not receive any financial support from my home country because I am studying abroad, and my host country doesn’t financially support students from other EU countries. A further challenge is that I have a chronic illness, fibromyalgia, which limits my ability to perform physically demanding work. It is debilitating, most days I struggle to stand for more than a minute or two, I am regularly fatigued, and walking for any length of time is difficult. Following unsuccessful spinal surgery as a child I also constantly struggle with severe lower back pain, as well as the widespread joint and muscle pain associated with the condition. Living with fibromyalgia is very difficult to cope with, physically and psychologically. My workload is heavy as my university course is full time, which also leaves me exhausted. I would rather be here than anywhere else though, for as I have said, I love what I study, and I see it as my route to success, because I refuse to be held back by this horrible illness. Without university, I will have to return to a small village back home without job opportunities, without the possibility of helping others as I so desire to do, and without means to make my life better.

My funds are running so low that I am now unable to pay for my tuition fees or rent this semester. I have some money for food and that is it. I don’t know what I will do come the end of January. I am imploring anyone reading this to please consider helping me. Dropping out of university at this point would be devastating for me, but I have exhausted all my other avenues in terms of supporting myself financially. I am not a selfish or greedy person and would not ask for help unless I was truly in need. I sincerely hope to repay any help given to me one day and seek to pass on such kindness every day of my life. I firmly believe that kindness and compassion are our most powerful capabilities.

If you have taken the time to read this, I thank you for doing so and wish you a very pleasant day. If you are able to help me, I promise that I will find a way to thank you some day. I am incredibly grateful, and I wish you the very best that life has to offer.

Kindest regards,

Laura

P.S. The picture I have accompanied is my bank statement showing £26.92 in my account. I have blurred out my account details and my address for privacy.

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Bad decisions but a kind heart led to debt

Hi,

thank you for taking the time to read through my post.

My name is Jordan, I work for the NHS and because of the kind of person I am, helping others has caused my financial situation to spiral.

LONG ABOUT ME:

Unfortunately my debt was almost guaranteed from the moment I left primary school. For about 2 years in primary school and for a further 3 after that, I was a carer for my Great Grandfather. After my Great Grandmother died, my Grandfather began to develop Alzheimer’s disease, meaning someone needed to be there for him to make sure he ate, showered, took his pills and got ready for bed. I did this for him, for about 5 years before his Alzheimer’s got to bad that we needed to send him to a home.

Being a member of a family with 5 children, we didn’t have a lot of money, both my parents worked full time to try and provide for us, so we could not afford the cost of a care home, the only way to find this was to sell his family home, little did I know, that he had me down in the will to be left this home after he passed.

He remained at the care home for a couple of years, and I did visit as often as I could but being a non driver then, it was difficult to get around. After he passed away, I used a part of the sale of the home to pay for his funeral and burial, so he could be with my Grandmother again, this still left over £70,000 to my name. At this point I was about 18 years old, so my sights weren’t quite set for the future, and I remember seeing my parents struggle for all these years, and I wanted to help, with the remaining £70,000 I payed off every debt in their name, and had a little left over to give £2,000 each to get a new car, go on a much needed holiday and spend sometime with just the 2 of them.

A few years went by, I started working at a supermarket up the road from me, whilst I was studying and I met my current Girlfriend, Kim. It was like the movies, where they say that love is at first sight, but a few months passed before I saw her again after the first time, and in this time I managed to save enough to take her out on a date. After 6 months of dating, my parents asked if I could stay at hers for a little while, as they were planning on trying to rearrange the house slightly, because 7 people in a  3 bed house is very cramped, so of course it was no problem. Little did I know, that a little while would become 4 years!

Kims family accepted me in with open arms for a couple of years, but after this I new I had massively overstated my welcome and the forceful need to live together after 6 months and at 20 years old was taking its toll on our relationship, so I moved out again. The problem was, I didn’t have anywhere to move to. I had got my drivers license a few year prior, so I had a car to drive around in, and a new job working in what I originally thought was aviation with my dad, but it turned out to being cleaning toilets and mopping floors. The pay was terrible, minimum wage and 15 hours a week, for someone that won’t receive benefits, is minimal. I spent a few months sleeping on a few friends sofas, and a few times back at my parents, but about a year of this was spent sleeping in my car outside of work. During this period I moved to my current role working for the ambulance service, I was based a few minutes drive from my parents house, so could easily return there for a few hours to shower and wash clothes. I never complained, as I see people everyday that have it a lot harder than I did, even with no home, money or food to my name, I still made sure I helped the people on the streets as much as I could with food water and clean clothes, because although I have nowhere to live, I still have a warm place to work and a car to drive.

After I had gone through this difficult period, I started to get some real money to my name, and my Grandad had taken me for a year, so I started to get my life back in order, I was still with Kim at this point, and everything was going swimmingly. I spent a few nights a week at her parents home and a few back my grandads whilst still working about 10 hours a day.

I got a promotion in from my current role, and moved up to dispatch the ambulances, meaning a little bit more came in each month. About a year went by again, and Kim had some news…

Kim was pregnant! I panicked, I’m not financially stable enough to support myself let alone a child! I sold everything I owned, downgraded my car, and picked up as many hours as I possibly could, covering shifts of around 18 hours 7 days a week, I bought a ring, and was ready to propose. 4 months into the pregnancy we lost the baby. My heart sunk, I couldn’t get out of bed for a week or 2, I couldn’t eat I couldn’t sleep, all I could do was cry and wonder what my baby would have grown up to be.

With the money I had from selling everything I took Kim away on a holiday, we needed it. We went to Paris, we stayed in a hotel that overlooked the Eiffel Tower and we went there for dinner. I had underestimated the cost of it all, I had payed for the flights and told her it was all sorted, the hotel charge more than stated on their website as they said that was last months package, and the charge had tripled! €700 a night! I had no one to turn to ask for that kind of money, we stayed an extra night and they airline allowed dis to push back the flight, so I could try and resolve it all. I only had 2 options, a loan, or a credit card. I opted for the card as the APR was 0% for the first 18 months, I figured I could pay that off before then, so I left Paris with a credit card debt of about £3,500.

When I got back to uk I started working on the debt, but one night on my way home from work my car skidded on some ice and wrote it off. The insurance company wouldn’t pay, and I had no money for a car to get to work to pay of the debt, so I had to use my credit card to pay for a new one. Now I’m driving the car to work to pay of the debt thats for the car to drive to work.

I got the debt down to around £1,00 when Kim told me she wanted to move in together, now it wasn’t your typical moving in, Kim was also pursuing a career she had always wanted as a cabin crew. Her company informed us in November that she need to live within 45 minutes of the airport, unfortunately we were an 1hr and a half away. So we needed to move if it’s what she really wanted. She did, so we did. She started her job in January, so in about a month over Christmas we needed to find a deposit and a way of renting somewhere, kim had some savings that we used for a deposit and we moved into a 1 bed flat that costs about £895 which is about average for the area. My company would allow a transfer to closer base too, but until then I had to stay put.

About 4 months went by before I could move, and when it finally happened I new deep down I didn’t want to go, I rarely saw my family as it was, and moving further away meant I would never see them. I had just started getting a hobby too, building guitars with my grandad, and moving meant giving that up, but I’d made her a promise and I couldn’t go back on that.

I officially moved in in June last year, and my transfer went through, but it meant a £300 pay cut. With Kim on a small wage aswell, our rent and bills took almost 80% of our total income. So I again needed to use that credit card to pay for things like food, petrol, and travel.

A lot of our furniture for the home was picked up off gumtree and Facebook for free, but a few things we had to pay for, like a mattress and duvets, all of that went into the credit card. After about 6 month, that took it up to about £4,500 back on my credit card.

In December last year I crashed my car again. The same thing happened again! A small patch of ice and the whole car flipped! Obviously again my insurance would pay for it, and I NEEDED a car again for work so I had no other option…I had to get it on my credit card. I’ve got £7,500 on my card with it rising every time I need to eat.

Christmas came and went, and I couldn’t afford anything for anyone, so it was a miserable experience for everyone, I tried to do a Christmas dinner with Kims alcoholic dad, but it turned to shambles when he found the wine from when we moved in.

A few days ago my grandad, the one that took me in off the streets, was found passed away in his home, he’d been unwell for a while, but I haven’t been around to spend time with him, so it has hit me hard.

My new car has been going wrong and needs about £2,00 worth of work on it, and I need to find money to feed myself and Kim aswell get fuel to get work and to the funeral when it comes.

I don’t want to be homeless again.

SHORT ABOUT ME:

I currently work for the south central ambulance service, and on average work about 80 hours per week, so I struggle to find time to see any family members. I moved out and my wages aren’t covering the cost of my food and petrol bills along with rent costs and bills. I have looked into downsizing my home, but it is only one bedroom and is the cheapest I have seen! I was homeless for about a year, thought I’d got my finances in order, but I’m heading back that way. I’m £7,500 in debt with more payments coming up because of car problems, and having to buy food and fuel. I’ve helped my family in the last to get out of their debts but unfortunately they can’t return the favour. I haven’t had the easiest of lives, but I know that there are many many more people that are worse of them me, So I make sure every Thursday I bring food to my local homeless shelter to help out as much as I can.

Ive used loans and credit cards to pay for everything I need, but I slowly getting to a point of crippling debt.

If you could spare anything it would be a massive help to try and get everything back into shape.

Thank you for taking the time to read, and thank you for anything you offer, I am a incredibly great full for everything

PayPal.me/jordinharrison

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