Begging Money

Financial Hardship Help

Last Updated:

Need money for new laptop!

Hi,

My name is Amy, I’m in my early 30’s and live in NE Lincolnshire. I moved up here several years ago to be closer to a few family members and am originally from the South of the country.

I have severe social anxiety and depression, and often isolate myself for days (this lockdown has been easier to deal with because of that, I’ll be honest). I also suffer from chronic fatigue which has damaged my immune system and leaves me vulnerable to COVID 19, I live alone and due to anxiety issues find it very hard to use the phone and so rely on email to contact mental health services (well, I have a hamster, but he’s not much for conversation and can’t be sent for shopping). I’d recently been getting better with going out and meeting people, and have been volunteering at a local market garden where I have made new friends for the first time since moving up here year ago, and with therapy I’ve been having less anxiety attacks and starting to value my life more.

I still primarily communicate with the world via the internet, and a lot via gaming online with friends from my hometown. Unfortunately, my laptop is dying at the moment. It overheats quickly, the screen frequently cuts out and it is not able to  run most programs, with the ones it will open often crashing and freezing. It’s around 9 years old and is mostly held together with prayers and wishes. But at the moment is the only real link I have to family and friends, as well as my doctor and therapist during this time.

I’m hoping to raise roughly £300-500 to afford a medium quality laptop that will allow me to keep in touch with people critical to my recovery and keep on track with my mental health goals.

Ultimately I hope to be able to get back into the world, and in the future return to school to study for a degree, and I’ve been working hard and moving forward, but the continuing crashes and breakdowns have been taking a toll on my mental health, and heightening my anxiety to levels reminiscent of the beginning of my journey. I am terrified that losing this lifeline will cause me to slide backwards and undo months of successes.

Any help would be greatly appreciated. I know that times are tight at the moment, but thank you for reading anyway and I wish you the best of luck in your endeavours.

paypal.me/GalaRefrain

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Heavily in Debt in My Early 20s

Hello,

I am a 22 year old who has found himself in almost irreversible debt due to previous and current circumstances.

Given the recent outbreak of COVID-19, as a self-employed crewman in the events industry I have extremely struggled to find work in the past 2 months (3 days out of 45). I have been doing everything I can to try and make money for myself but I have had no luck whatsoever.

My financial situation took a halt 2 years ago when I took out a loan in my name of £5000 for my father, repayable over 5 years. He was suddenly made redundant and faced financial difficulties. The monthly repayments he often covers but recently hasn’t been able to. On top of this I have outstanding rent bills (in London), an outstanding phone and internet bill and I’m currently on emergency credit for my gas and electricity. I am at my £1200 limit on my credit card and to help afford my bills last month I received another loan of £1000 from a separate lender.

The more in debt I’ve become the more I find myself spiraling into a depression.

I only took that as a last resort because I didn’t believe my situation would end up like this and I would have absolutely no income whatsoever.

Attached is a screenshot of my outstanding credit balance with my bank. I didn’t want to attach too much private information but I can show pictures of my other outstanding bills if I have to.

Anything would help, I am just trying to get on top of my credit and pay off the on-going loans. I’ve never stooped so low before but I’m begging for a miracle.

 

Thank you so much for your time and God bless you.

https://www.paypal.me/yawdem

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Beat the fat cats and help the vulnerable!

Peabody markets themselves as a social housing enterprise, helping vulnerable people to afford council housing and rent.

However they do the opposite. Being a big huge company owned they use their estates to make drastic changes such as building works to up the value of the building land etc but which does nothing for the home owners.

 

Instead they target those people who have struggled so hard to hard to have a home and then destroy it by doing million pound renovations and charging those people living there etc.

Last year I got a bill for my mums property….( a tiny council flat) for £35000! This was cos they wanted to maintain the roof. The roof was fine but they decided it was old and they wanted to do it.

We couldn’t stop them and had to go to a solicitor as we didnt have that money ….barely had £35 let alone £35000!

 

They threatened court action and ccj if not paid..solicitor thought we had a good case but sadly it got to a point where we needed an independent surveyor…..and we couldn’t afford much more. The surveyor did say they had overcharged by a few thousand….but to prove it we needed a cost assessment….this would end up costing £30000….

 

Therefore we had to stop and couldn’t fight. I am now trying to pay £7000 fees plus the £35000 and the company are laughing. They also charged for their legal advisor and made me pay that.

 

As a result I have been made sick with anxiety and worry. I have no money and live in fear. They are now planning to do more works.

 

We have no power. My mother is elderly and cant pay. I cant fight this injustice as no money. All I can do is alert people and save money to get a proper assessment and solicitor who can make them justify their exploitation. We need to be able to progress this

 

I know there are probably lots of vulnerable people out there. I work my ass off but what if I was elderly myself and every penny I saved all my life to finally get a roof over my head was taken by pretenders ….pretending to champion and care for the vulnerable.

 

I’d like to be able to fight for all people like us. And stop big organisations using their power regardless of effect and outcome. Every little helps and is appreciated. One step at a time to change this xxxx thanks so much xxx

 

https://paypal.me/MShro

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Help save me from an abusive marraige

Hi my name is Suzanne i am 46 years old.I have 3 daughters aged 15,14 and 9.I have been married for almost 16 years.The first 2 years were great but after that my husband started being verbally abusive telling me I was fat ugly and worthless until I started to believe it was true.My husband’s drinks heavily and when he’s drunk he starts abusing me verbally and physically he has hit me several times and left bruises.I am scared for my children in case he might turn on them.All I want is to leave my husband and start a new life somewhere else with my children as I think I deserve to be happy instead of living in fear.And for that I will need money.Please help to give my children and I the life we deserve.Thank you so much first your time.

PayPal.me/suzannetubb

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Financial Help Needed

FB_IMG_1545388066561.jpgThis is not something I would usually do, but it was mentioned by a few so I thought it would be no harm in trying.

I dont want to get the I feel sorry for you but I do want everyone to know my story and why I am in the situation I am in.

My name is Georgina and I am 29 years old, I didnt have the best of start in life, I ended up in care by the age of 6 due to abuse from parents, physically and sexually. I went from home to home to eventually settle down with a foster family at the age of 13. Dont get me wrong I had a great bring up in the end in care and am very grateful.

I left home to be as independent as I could early on, i had no family, no financial help, studied at college in equestrian, and then worked with the disabled for 4 years before then leaving and getting a job working in care looking after end of life patients. I have always worked, however to the start of my life living on my own was very hard financially and got myself in a lot of dept.

3 years ago I got married to the love of my life, however this was a situation where unfortunately that I fell in love with someone that was already in financial crisis themselves, I took a loan out in my own name to pay for the wedding and to help with my husbands to be financial crisis, I was to nice, and then a few months later we found out i was expecting our first child, during my pregnancy we had to find a house to rent of our own, so we ended up getting another large loan out to help with rent for a while and the new baby once he was here, but now its hit us, i could only take 11 weeks off on maternity as my worked oy payed Stat pay so I couldn’t afford the full leave, again here we suffered and didnt get that family time like we should have. My son is now 2 years old, we are a very happy family however financially we are in crisis.

I have also been recently been diagnosed with a condition called fibromyalgia, But i still have to work 8 night straight 12 hours nights then 5 off, either me or my husband are working every single night of the year and we never have any family time, I am really struggling with my health and need to cut down my hours but I simply cant because of this large loan we have to pay for the next 7 years. We also wish to have another baby before my condition worsens, but I just cant see an end, I dont know how to cope.

Will I ever leave a legacy for my children when we are not around because of the dept, I literally feel like what everyone says foster children always turn out just like there parents, I never wished for my son to be brought up in a financial struggle that we are in, I feel like a failure, we try so hard, we have always worked but it’s such a struggle. I do not wish to not work, but I just wish to clear some of our debts which is totaled at over 24000, just so that we can have that little bit extra a month to do less hours, be a family and enjoy life.

Thank you for listening, any more questions just ask. I cant believe it had come to begging.

https://www.paypal.me/georgienic90

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Family Farm In Need Of Saving

Hi,

 

my name is Danny and I’m 23. As of the past few years my parents have been undergoing a divorce and finally started to sort all the assets. This includes the family farm, me and my dad are trying desperately to raise the money to buy my mom out but she is asking for an unreasonable amount and won’t budge on this. If she doesn’t get bought out the farm will be sold and even more costs will occur which is likely to leave my dad in a place of not being able to afford another farm. I have considered this farm my future for a few years now and was going to return to it this year, I have had many development ideas and ways to improve it and seeing it sold would kill me.

I’m not normally one to ask for help but the farm means an awful lot to me and my dad, at best another £50,000 or so would need to be raised but I’d be massively grateful for anything to put towards it as  we’re both working as hard as we can to try and secure it.

I’ve attached a google maps picture of the farm and some of the land as its the best way to do it justice.

Thank you to anyone in advance,

https://paypal.me/dannye665

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Finding things hard

Hello,

Firstly I just want to say thank you for reading about struggles. I find it very hard to admit when I need help but I am feeling quite low and desperate for a way out…

At the moment I am aged 22 and over the past 2 years my mum has been extremely ill. She has been going in and out of hospital due to heart failure and lung disease and I seriously thought she was going to die on multiple occasions.

While paying out to travel to and from the hospital and to look after myself, when my mum finally came home (this was short lived) I wanted to make sure she had a comfortable home with things to keep her occupied due to being house bound.

We also had a few issues with household appliances and I got these items on credit, I am now struggling to keep up with the payments as my income isn’t very high and I have been signed off of work for quite some time due to stress and depression and having to care for my mum.

Then at the start of this year she had open heart surgery and they discovered two lumps in her lungs, we are yet to take her to a scan to confirm what these are. But during the surgery they were able to remove a small part and have tested this and confirmed it was cancerous.

I have taken out a loan and a credit card to try and pay off this debt but I seem to have got further and further in a sinking hole and I’m not sure anyone can help, I have asked family for money but they have said they can’t help me, this is just causing me more stress and all I seem to do is snap at my mum and it’s really not her fault, I feel like I’ve let her down and disappointed her.

I am asking for your help today as I just need to take this weight of my shoulders so I can properly care for my mum, work through what comes next for her and also try to live my life again.

Financial details…

I am only getting paid about £90 a week and this is barely enough to cover food and bills but defiantly not the debt looming over my shoulders.

The debt totals to around £4000 and any help whatsoever will be greatly appreciated!!!

Thank you again for taking the time out of your day to read this and hopefully help me sort my life out once and for all, before it gets too bad to deal with.

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Student unable to pay her rent/bills or afford to eat after unforeseen family events

Hey, so this is a little embarrassing

I’m a 23 year old student in the UK and I currently can’t afford to pay any of my rent or bills

I had a placement in Germany for my first semester which was a lovely experience but it was unpaid, of course I got a little help from the uni, however, in order to receive my full grant payment, I had to submit my final project write up

During January, my sister attempted suicide in quite a violent way, in front of her 2 infant children. Luckily she pulled through, however, this obviously tore my family apart & has left a big ‘what’s going to happen to the children’, due to all of this, I’ve missed a tonne of uni and writing up my project, catching last minute trains & taxis around trying to help my family out and be there for the kids last minute, I’m coping okay now and I’m not meaning to make any pity story or anything, I just want to explain why I chose to inevitably suspend my studies

suspending my studies to next year means I’ve not finished my project yet (so haven’t received my travel grant) and I’ve fallen behind tremendously on my rent & bills after spending the little loan I get on getting around the country the last few weeks

I owe my land lady 2 months rent now which is £450 per month and I’m behind on bills and not able to buy food or bus fayre for myself, I am in charge of the WiFi in my house and this has bounced (attached picture) – it’s really embarrassing because not only has it bounced, meaning we got a warning letter, but I literally can’t even pay it off, so it’s going to get cut off for my whole house and I can’t afford the extra fine on top and it’s just a conscious cycle :(

ive gone so overdrawn on my account and starting to owe so many people for buying me lunch etc that I literally can’t afford to live, I have no contact with my dad and my mom is struggling herself and can’t help me out

I’ve managed to land a full time job but I don’t start for 2 weeks and then the whole week in arrears thing, I’m just struggling so much and literally any thing, even just £1 £2 would help me right now, I just need to get myself out of this mess and pay what I owe and start working and work myself back to normal and get back into studying

ive been in such an awful place the last month with everything that’s happened with my sister and I’m trying to put a brave face on and not bring any stress or negativity to anybody but I’m literally drowning in debt and stress and I’m looking up anything I can do like ‘cash in hand free lance jobs’ etc but I just can’t find anything so immediate anywhere, so here I am

 

sorry for the long post just wanted to get that all out x

 

ive attached my WiFi bill and also my bank statement with my details crossed out, to show I’ve even gone beyond my overdraft limit which I’m sure they’ll start charging for soon :( I’m just stuck

 

PayPal.me/shanluisa6

 

is my PayPal link, thank you so much if you do help me I can’t express how much it means

Filed Under: Rent Tagged With:

Last Updated:

Please help me

Hi kind people..

I am so sorry to be having to ask you this and I feel so ashamed.

You see I’m in a bit of a pickle and I have no one to help me.

My Ex fiancé and I bought a house and was planning our wedding. He was already in quite a bit of debt so we decided to borrow money in my name to furnish our house and help towards the wedding. 2 years ago he walked out on me for another woman leaving me with the mortgage and all of the bills to pay including a £20,000 loan.

I now scrimp and save every bit I can to try and make a dent in paying it off and have to cut back on things such as food and heating bills as having this hanging over me is affecting my health. I’m stressed, anxious and I cannot sleep. I feel so alone and I don’t know where to go or who to turn too. I was against taking this loan out in the first place but was naively talked into it and now I’m left paying the price. I don’t know how much longer I can carry on like this.

The original loan amount was for £20,000 I have got £16,000 left to pay over 5 years which is costing me £300 a month on top of a £600 a month mortgage which does not leave me with much else. I don’t know how I can carry on like this. If anything was to Happen in the house emergency wise I would have no way to pay for it. I can’t get any savings behind me because of this and now I’m on my own it’s just so hard.

So here is the hard bit. I cannot believe I am having to do this but please if there is anyone out there who could offer me any help I would be so grateful. Getting this loan paid off would change my life I would be free of my past and able to focus to my future. It would enable me to get some savings behind me and not have to worry about things going wrong. I could start again. A complete fresh start. So please if you can spare anything at all please help me. Please help me to get my life back on track.

Thank you so much for even taking the time to read my plea and if you are able to donate then thank you so much from the bottom of my heart and I promise once I am back on my feet I too will do what I can to help others.

Thank you so much

If you can spare anything at all please send it to paypal.me/dream582

Thank you x

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Overwhelmed with debt and nearly homeless

Hi

My name is Jean, I have been struggling with financial issues for quite some time now. I entered on an food business with a friend and she ran away with everything leaving me wine nothing. She is fact stole the money I took from the bank to open de business and now I can’t find her to claim it back. I can’t pay the bank, my partner wants me out of his house and I can’t afford my bills. I am really at point if suicide because I see no way forward. I know that are other people that deserves to be helped more than me but I am here begging for some help to take me out of this desperation. I don’t know what to do really.

I am really desperate and if there is a kind soul out there that could help me easy this burden in my life, I will ever be so grateful and hope that God gives you in double.
God bless

Jean Machado

https://www.paypal.me/jeanmachado5902

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Long shot but please help me

Last year I lost my uncle and dear friend to suicide. He took his own life on new years eve. This has totally devastated me and my entire family. In the April of that year me and my wife found out we were pregnant and there was a glimmer of light for me. We unfortunately lost the baby and this and my uncle passing has totally turned my life upside down. Soon after all this I was told I would be losing my job as I had to much time of with depression etc..

I am struggling daily with it all and have totally lost all my confidence and drive. I rarely sleep and am constantly worried about everything. I get very down watching my wife have to be the sole provider it breaks my heart and we are very much struggling. I am really really struggling to find a job that would give me the confidence to get back on my feet again and get my life back. Being like this everyday is truly horrible. All I want to do is go back to college and retrain in something that I actually want to do and something that will get me a recognised qualification so I can gain a decent job when I leave. I would really like to become a personal trainer but cant afford to do so because of fees and the cost of living in between studying. I know it’s a big ask but it’s a last resort for me to try and ask for your generosity and help. I would love to live a normal life again without having to battle through depression and anxiety everyday and constantly feeling scared and worthless. I ask you to please help change both my life and that of those I affect with my depression and mental health probs. Its not fun being sick and not being able to see a way out for yourself. I have heard people say that depression is not an illness. I beg to differ as it is totally ruined the last few years of my life. So I am asking any of you kind generous people to please consider my situation and help me if you can.

Thank you for taking the time to read this and God bless you whether you can help me or not..

Take care

paypal.me/SiSanders

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Any help is appreciated ❤️

Please help me.

I’m 21 years old, I rent a room in a shared house and I am beyond financially unstable.

Things started to go downhill at the end of summer 2019 after I lost my job, which I worked so hard for almost two years just to get. Since losing that job I have been in and out of temporary employment, with none lasting long due to only being required over the Christmas period, and since Christmas I have been without work completely.

The room I rent costs 500 a month and I am getting into increasing debt just so I can continue to have somewhere to live. Unfortunately I have no family and no one I could even possibly rely on as all that went out of the window at the beginning of last year, as a result of losing the family home. I have debts I need to pay too as a result of temporary living arrangements over the past year, which was before I managed to secure a room in actual accommodation.

As well as all this, my beautiful girlfriend is also just over 5 months pregnant and I don’t even have a penny to put towards our baby, and she is struggling with money at the best of times too so the situation just seems to be getting worse. I have no idea what to do anymore as anything I’ve done to prevent certain downfalls in my life have only gone on to spark another. I’m honestly at a loose end. Up until the beginning of last year, I had no idea how stressful certain aspects of life could turn out to be and now that I am going through all this I really have started to struggle. I have no family, no local friends, and no money to keep my head above water and the effect all those things have had on me and my health is just too much for me to continue to bare. I can see my girlfriend struggling too, she loves me so much but it’s not her job to buy me food or to do any of the great things she does for me. For once in my life I just want to be secure, now more than ever, especially since I’m going to be a dad in the coming months. I don’t want anything to prevent me from being able to care for my baby. Anything anyone could do to help me is greatly appreciated, I just wish it didn’t have to come to this as I find it hard to ask people for help as it is. Thank you for reading this far and if you do donate, I’ll try my best to pay you back as soon as possible. ❤️.

https://www.paypal.me/cameron935

 

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I need to see my girlfriend

So this is very embarrassing and I truly hoped I would never have to do something like this because I have always strongly fended for myself but this concerns somebody else that I care about a lot. I am so so desperate to go and see my girlfriend but I genuinely cannot afford the train to get up there. She is very ill at the moment and has been taken into hospital, I do not wish to explain the ins and outs of her condition as this is obviously very personal to her, but it would mean the world to both of us to be able to see each other during this time, a time that could possibly be our last moments. I am in a very bad financial situation at the moment, only having enough for the basic necessities, i.e. food, and a bad social situation. Due to me coming out as gay, the wide majority of my family and friends have cut me off from their life- they are highly religious or afraid of others judging them. The  remainder of my little bubble either don’t drive or are away themselves, so nobody can take me up there to see my love. This leaves the train that I cannot physically afford as my only option. I just need to get to London to see my beautiful girl and let her know that I’m here for her, and that I am taking this seriously. I appreciate that nobody here will know who she is and I may sound ridiculous or a bit soft but this is the most important thing I think I have ever had to do. It is such an overwhelming situation and will potentially get so much worse if nobody visits her. I love this little weirdo unbelievable amounts and I am indescribably proud of her for how far she has come already, but I never seized the opportunity to tell her this face to face. I know that my family do not approve but she is the best thing to ever happen to me or to walk into my life and I cannot let this end yet. If anybody could donate absolutely anything at all that would be incredible, this will therefore hopefully be just enough to make up the train fare and possibly to get her some flowers once I’m there, it would mean the entire world and more.

There isn’t really a picture I can use without posting our faces everywhere so I hope that this suffices.

 

https://www.paypal.me/kayleighorrr

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Urgent relocation necessary

Hello, my name is Nevena, I’m a 25 year old partially disabled female, living in a house the landlord won’t fix, and underneath a family with 3 kids in a one bedroom flat. Relevant council agencies are involved but hopefully my plea on here can get me out of here for good and into a 2 bedroom house for me, my flatmate and our kittens.

The current property is in a severe state of disrepair, the cellar leaks when it rains, there are holes in the floorboards that my cats were small enough to slip through when I first moved in April 2019, electrics in an entire room don’t work, windows don’t open and my front door lock is faulty, and the damp and mould creeping in over the winter have been steadily getting worse. My personal items are waterlogged, mouldy and gross but I worry for my health too. I suffer with fibromyalgia, as well as a collection of mental health illnesses that make this stress level unbearable. My landlord has refused to answer calls, send out workmen, or send out workmen that didn’t have the appropriate tools/clothing. Environmental health are involved to try and get repairs done but it has been months with nothing happening.

To add onto this, the landlord (I think to upset me further, given the trouble with the council I have caused him), moved in a family with 3 children under the age of 4, on December 23rd. They first moved in at past 11pm, drilling and thudding till 4am, and the noise has just continued since. They shout, scream, run, jump and the parents are actively encouraging this behaviour from their kids because police have been involved and they’re now aware it upsets me. They throw their rubbish and cigarette ends out of their windows onto my garden which is not shared or their property, that has resulted in all the drains becoming blocked outside my door. They will reverse into my bins in the driveway and drive off, they’ve also started trying to intimidate me by following me to the shops and watch anyone that leaves or enters my flat from their window. I no longer feel safe in my flat, nor do I feel safe leaving it, and my friends are so uncomfortable they don’t want to come over. I don’t know what else I can do, the council and police have procedures and it takes so long, I have to wait till late April for sound recording equipment to build any kind of case, meanwhile I’m made to feel like I’m trapped inside my property, while made to listen to their constant noise from 6am-2am every day.

Financially, I am stuck. I’m on benefits due to being signed off for long term mobility issues, I have no savings, no close family to rely on and no real way to get out. My flatmate is in the same financial situation as he is currently not working. Ideally, I need help with the first months rent and deposit to get me out of here into somewhere new. I would be looking for a property in the same town, but a 2 bedroom house, with a garden for my animals, that I could truly live a life in. Not only would this help with the whole situation, it would really be a fresh start in terms of my mental health and hopefully there is someone out there that can help me.

 

Thank you so much for reading,

Nevena

Using my flatmates Paypal as I do not have one myself,

paypal.me/JayDenton

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Stupid life choices need rectifying.

Hi all,

Don’t really know how to go about this as I never thought I’d find myself in this kind of situation.  But here it goes, started the same way as most stories, took out a small loan to keep me going, paid it off, but due to paying it off needed another one.  Next thing you know its snowballing out of control and now here I am £25,000 in debt.

Been keeping on top of it best I can, but this month I got paid, all the repayments came out and I have nothing left to keep me going.

I know this story isn’t anything special, but any help/kindness would be amazing.

Many thanks for taking the time to read. Any help would be brill.

 

paypal.me/Tom990