Begging Money

Financial Hardship Help

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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

Filed Under: Rent Tagged With:

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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.

paypal.me/peachicecream

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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

Filed Under: Rent Tagged With:

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A fresh start for 3 people across 2 continents

I’ve been contemplating on whether I should make this post or not, but at this point I am honestly hopeless and see no way of moving forward in life without any help. I am 19 years old, I live in England and I’m currently in a hole I cannot get myself out of.

My parents moved back to our home country when I was 16 because of the poverty we were facing here, but I decided I have to stay and try to build a future on my own since this is where I’ve spent most of my life. I was moving around a lot at first, I stayed with some of my friends and friends of relatives, and could receive no financial support from my family because they were struggling just as much. I tried to get a job for months, however due to my age and lack of experience I was receiving no calls back, so I got involved in activities I won’t discuss here just to survive because I could see no other way.

As my neighbourhood became more violent, and after I lost two friends to murder, I decided I needed to try harder to get a job because I wanted to actually build a life, and start a family one day. I had no qualifications because I always struggled in school, but I was motivated and after I turned 17 I got my first job working the night shift in a warehouse. I worked hard, doing at least 60 hours every single week, and after around 6 months I was promoted to team leader.

However, from age 17-19 I’ve made some very poor financial choices. My job was very far away from home, it took me almost three hours to reach it using public transport, and I decided I needed reliable transportation, so I bought a cheap moped and that was the start of how everything fell apart. My moped eventually broke down after a crash, and since I had to get to work I needed to make a decision fast, and when I decided to buy another bike I was offered a personal loan at the dealership with 50% interest which I instantly took because I didn’t understand the consequences. After a few months, this bike was stolen, and my insurance didn’t cover theft, so to this day I’m still paying for that bike. But I didn’t learn, because when it was stolen I refinanced my loan and bought another bike the next day, which got me even deeper into debt.

As time went on, I lost control of all my finances. I tried to go to university on my own money to study Planetary Science w/ Astronomy because I wasn’t given a student loan, but I quickly learnt I couldn’t afford to pay £600 every month and it got me taking out credit with my bank which I still haven’t paid. Weeks passed, then months, and I got myself deeper and deeper into debt, to the point I had to move to a different city into student accommodation because I couldn’t afford my rent or any of my bills.

I don’t study, I work full time night shifts at a different factory for 60-70 hours per week, and I’ve given up all the dreams I was chasing because my debt is eating me up from the inside and I feel trapped. My girlfriend is across the ocean struggling to pay her rent, bills and everything she needs for her 2 year old son, and she had to get involved in sex work because she just couldn’t manage it all by herself, and she lives in a country where finding a job to support yourself is a lot more difficult, and I’ve rarely been able to send her any money. This is ripping both of us apart emotionally and mentally, I haven’t seen her or our son since August because I simply can’t afford it, and I can’t afford any of the visas and flights to bring them here so we can start a life together and work on these things as a family.

That’s why I’m asking for help. I need someone to forgive my mistakes, greed and materialism, I hope they understand I have learnt my lesson, and that the only thing I will be doing with this money is paying off my debts and buying the visas required for my girlfriend and our son to have the right to live with me. Right now I’m stuck, I owe everybody I know money and everytime my paycheck comes I’m left with nothing, I eat a couple times a week at most because I have no time or money, and I’ve had to commute 10 miles every day by walking. I’m behind on all my bills except my rent, I have no savings or possessions, and I see no way of my situation improving at any point in the future. I feel lost.

I pray someone in a better position than me sees this, and is willing to give me another chance to do things right, and build a life for my family. I am so tired of pain, struggle and suffering, I’ve been left permanently scarred but I’m still standing, so I want to make a change.

https://www.paypal.me/chchef

I’ve attached a list of all my debts and family expenses. Any help is appreciated. The total I am in need of is £11,889, which is a figure that I won’t be able to save even in decades.

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Looking for assistance to pay of Neutralisation fees

Thank you for taking time to look at my page.Where do I start.My name is Tapfuma Shumba,originally from Zimbabwe. Im a 36 year old father of two beautiful boys who I adore.I came here to the Uk just after I had turned 18 and have never gone back to my home country since.The reason not being that I don’t want but because I couldn’t. Background of my story is I came on a student visa and eventually became an asylum seekers.My journey was rough but it taught me a lot about life.Most people assume that it is easy being in a foreign land with no papers to actually progress yourself in society but it’s not. Dont get me wrong,I’m not looking for sympathy,I’m actually happy about that happened in my life so fa.The good and the bad.

To cut the story short I went through the process off seeking asylum and eventually was granted indefinite leave to remain.Happiest moment of my life.I was on top of the world because this meant countless opportunities had come my way.First thing I did was enroll on a degree course with the University of Wolverhampton and got a degree in accounting and finance.I met my partner shortly afterwards and before we knew it we were celebrating the birth of our first son.Finding a job was hard without a passport because most employers didn’t like the idea of hiring someone who just had a piece of paper granting him permission to stay.To make things worse life became a bit difficult after Brexit. Attitude towards immigrants changed.I eventually landed a job working for a company in a finance team but haven’t really had the opportunity to utilise my degree but had to settle as we were expecting another little bundle of joy.Like my mother always told me,its not what you do it’s why you do it.I get paid enough to pay the bills and just barely make it to the next payday.This is the reality of the world we leave in,most disheartening thing is knowing there are thousands of family across this country in the same situation.

The hardest challenge about finding is the lack of having a passport.This is why I have made this attempt to ask for help to raise money for the process.As an immigrant,the process is long,series of tests and applications that cost a lot of money for anyone who is struggling to make earns meet already.I don’t know if this would work but there is no harm in trying and I hope I can get to a situation where I can have enough money to start the process of applying for citizenship and make a better future for my family.

Thank you reading this and I hope I haven’t offended anyone by coming on here.Reading through what other people are going through makes me feel as is my issues are nothing.God bless.

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

 

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dad of 2 struggling with payments

Hi please help us out dad of two here struggling with payments of bills and food and my car. I got two children ages 1 1/2 and 2 1/2. I been out of work with anxiety and panic attacts. Been stressed and depressed with all that’s going on. I even missed on my car payments and struggling to afford everything thanks for anyone who can donate big or small I appreciate it I wouldn’t ask if I wasn’t desperate.

https://www.paypal.me/Evans918

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Need help with rent please

Hi anyone reading, I’m so embarrassed to even consider this but I need help. Let me explain a bit. 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, work full time, raising my son and dealing with my husband) , 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 30hr 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 new year 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

Filed Under: Rent Tagged With:

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Looking for Help!

I am a 21 year old struggling to support my family after recently loosing my job due to mental health issues including depression and anxiety.

After loosing my job bills and debts started to stack up however my previous head space somehow allowed me to believe it’ll all be ok it’s just a couple of rough months and I’ll be back on my feet however little did I know I was creating a vicious circle for myself and my family as it seems I have put us all selfishly on a road we can come off.

We are currently in debt with multiple companies from mobile phone providers to home improvement stores which I purchased when we were in a comfortable position and had no issues we are also in alot of debt with our social housing tenant for around £1600 and our total bills amount too around just over £8000 but due to interest are of course rising consistently.

This is not easy for me, I have never had to rely on anyone else to really help me out through tough times as me and my partner have always been in work since we both left school, I myself have been a chef for the past 6 years however it took its toll on me once we started a family and I realized I wasent around as much as I needed to be to support my partner and the money was never really good enough come the end of the month once the bills were paid my partner was either also in the hospitality industry or in childcare positions around our area.

Honestly any donation at the moment would just be a massive help to me and my family as we risk loosing our flat at the moment so any contribution we can put to our arrears to keep them off our backs is absolutely huge to us.

I would like to take this opportunity to thank anybody who has either taken the time to read this and/or to donate to me my partner and our 2 year old daughter it honestly is massively appreciated and I really do hope this message reaches people as I’ve never used this type of website before if you have any question at all please feel free to email me:

My PayPal link is attached as an image but I will also add it here

paypal.me/DannyWGI

 

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Rent shortfall following husbands ill mental health

For almost two years I supported my husband as he recovered from a severe mental breakdown which peaked in a psychotic episode. The long periods of shifting moods and depression were tough to deal with even with the support of friends, and at times I wasn’t able to work as I often had to be present to ensure his safety at a number of dark moments. The very lowest point came on the eve of my 30th birthday that I spent in Accident and Emergency as his delusions had taken over and he posed an extreme risk to himself and others. Thankfully we were signposted to people who could help, but it all came at a cost, from outgoings on medications to lost work for both of us at certain points.

We have spent the longest time trying to maintain therapy costs and keep up with rent on a single wage.

We are finally at a point where he is well enough to return to work and although I’m immensely proud of how far he has come, the effect on our finances has been severe. We are at a point where we will struggle to make rent over the next few months as we wait for his first pay cheque. In the New Year I have tax bills coming that I haven’t been able to prepare for because of our situation over the last few years but I know that if we can just make the next few months rent of £600 for our one room apartment, we’ll be back in a position to be self sufficient and begin to make sound financial plans going forward.

His health and happiness is so important to me, and I’m desperate to keep him positive as he makes a huge step in returning to work and a better relationship with his family and friends. Any help would go a long way in getting us back to the point where we are looking after ourselves again, and therefore able to get back to social and community projects where we first met, and hopefully put us back in a place to pay it forward.

Leo

paypal.me/Leo699

Filed Under: Rent Tagged With:

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Difficult childhood

About 3 months  ago I attempted suicide which has meant I have needed to take some time off work as a result  my debts which are spiralling out of control  I also have a tooth missing at the front which I need to get fixed

Below is a summary of why im so screwed up

So primary school there were occasions where I was in an office on a desk and had all my clothes taken off I remember the head master saying they were checking me over and they measured things like my height and my feet the head master was definitely there and I think other adults were there too . Also times when I had been to the toilet the head master would come in and help me tuck my top in to my trousers but to do this he would pull my trousers and pants right down I don’t remember him or any of the others doing anything except lightly touching me I don’t think they made me touch them or anything like that, I know now of other boys it happened to around the same time . Id quite often wet myself or shit myself on the way home from school cos I couldn’t hold it in anymore but never had any issues with going to the toilet anywhere else. I hated going swimming with school or getting changed for pe all through school and im pretty sure that stemmed from primary school .

In the first year I was at secondary school my dad hung himself , my mum and dad had split up by then, he wrote a suicide note pretty much blaming the fact he couldnt live without her , he was also in a massive amount of debt though . My mum didn’t handle it very well and she often said things to us about how he obviously didn’t care about us and how selfish he was and he didn’t want us and it was a cowards way out , when my mum and dad were together I spent way more time with my dad he worked nights so he would get in from work and take us to school sleep while we were at school and then pick us up from school , my mum was working in a care home then and worked alot of evenings and weekends

After my dad died my mum started full time at Tesco 1pm – 9pm Monday Wednesday Friday Saturday and 10 – 4 Sundays so we were home alone alot , well I was , my brother is 2 and a half years older than me so he was 13 by then and always seemed to be staying out at his friends houses

My mum is amazing with money and worked hard , we always had the latest games consoles at Christmas or birthdays and holidays abroad all materialistic things but there wasn’t much love or affection my mum wasn’t like that , anyway about a year after my dad died so I was 11 by then , I was off school sick my mum hardly ever let us have days off school so I must have been really sick , at 1230 she left for work before she went she told me not to answer the front door to anyone

An hour or so later the doorbell was ringing like whoever it was must have pressed it ten times and then a man was looking through the living room window because of the shape of our living room then and the way the chair I was sat on was in the far corner he couldn’t see me , still I didn’t really figure it out just thought he was being nosey , next thing I heard a loud smash , walked out in to the hallway to see another man there with a holdall and a baseball bat , I ran up the stairs to my mum’s room called her at work , her work called the police while she got home as quick as she could , it seems they just got out of there as soon as they realised I was in but it proper fucked me up , I hated being in the house alone after that I’d go round checking the rooms when I got in if no one else was in or id just sit outside till my mum or brother got home

If my brother was out for the evening or on the weekends I’d go out , I didn’t have many friends really then and the group I sometimes hung out with from school bullied and picked on me a fair bit so quite often I’d just walk around on my own alot of kids bullied me so I’d walk to parts of town that kids wouldn’t go, the one end of evesham park that at the time had nothing but a toilet block

The carpark near the fire station where there was also a toilet block and also a good way to avoid groups of kids coming across one of the bridges in and out of town was to go in the toilets until they had passed , problem being in the 90s gents toilets were used by men to have sex with each other and people either didn’t notice or just didn’t care

I think I was about 13 when i first did anything with anyone but before that i spent ages hanging around watching guys alot of guys too quite often there would be 5 or 6 guys in there at a time

Then when I did start joining in quite often guys would give me money so from 13 years old I was having sex with men most days one two three or more most Sundays I’d spend all day there , and most evenings after school , all the school holidays no one noticed or just no one cared

I’d have notes that no one new about so I’d just blow it gambling mostly in the arcade at the back of the video shop which didn’t seem to at the time have any age restrictions

I’d lie to everyone constantly about where I’d been and what I’d been doing if I hadn’t been given any money and I fancied going to the arcade I then just started to steal it from my mum

At the time I liked the attention I got from the men I met and I went looking for it so I just thought it was my fault but it should never have happened it took me years to realise that

Would be serious child abuse now but it was just overlooked then

I had no idea when it came to money or managing it , I’ve been fired from so many jobs in my late teens and 20s cos I’d go cruising for sex instead of going to work , I’d have sex for money and then not have to bother with work

I lived in a flat by myself for 3 years when I was late 20s and didn’t pay any of my bills owed 5000 rent by time I was evicted

I deserved a much better life

 I deserve a much better life

I behave alot better now and im a good person but I still won’t let myself be happy whatever I do , in my head im never good enough it doesn’t matter what I do I can’t erase the past

Im still useless with money too

I pay my rent and house hold bills but I have about 6 thousand on credit cards and payday loans galore

Any donations would be gratefully received

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Disabled Student Struggling

Two years ago I became classified as officially disabled. I had been attending as a volunteer in Lourdes to look after paralysed and heavily disabled persons, and became ill with glandular fever. This was due to a weakened immune system subsequent to a year of severe depression which I had been taken to hospital for after numerous suicide attempts.

The glandular fever caused me to have a low white blood cell count alongside vitamin D deficiency, chronic fatigue/ME and fibromyalgia which I have suffered for for over two years now, which I will suffer with for the rest of my life.

When I got diagnosed, I was two days away from my first A level exam. Both my teachers as well as my doctor and the CFS/ME clinic professionals told me that if I took all three of my A Levels that I would fail them all; I could hardly walk or even leave my bed some days, and the brain fog and memory loss I received was detrimental to my studies. As an A* student throughout school, this was a major blow, especially seeing as I had spent the past 6 years working so hard towards this moment. I had no choice but to take two of my subjects and receive mediocre grades. I was supposed to be attending UCL after the exams, but no university accepts just two A level results, let alone the ones I received. Fortunately one university took me in based on my GCSE grades.

However, I am now in my second year of university, my grades at the end of my first year were awful and I barely passed, I couldn’t attend lectures as my health decreased further as I developed pleurisy and acid reflux as well as an unknown allergy every time I go home, so I’m currently unable to see my family as no antihistamines or steroids help.

This year feels just as bad, I got a job to survive as I get no external funding or help from my parents, but this is trying as even an hour of work results in three days of recovery as my joints and muscles refuse to work and leave me in excruciating pain. I’ve attended only a few lectures and I have no clue how I can even do the assignments I’ve been given. I need help. I worry about my future more so each day as my present becomes more and more unbearable. Feeding myself becomes a struggle, let alone being able to afford to do so.

I’m asking for any financial aid possible. People don’t understand how disabling my disabilities are, and many people don’t know they exist let alone of detrimental they are to your entire life. I’ve developed anxiety, my depression has become severe and I have developed body dysmorphia as well as the pleurisy etc. Life is hard, and I would be so grateful if you could help me, so I can at least put some money into savings for when I need to pay back my tuition fees, or to help feed me when I can’t work in order to do so. I can’t describe how much I’m struggling at the moment. I really just don’t know how longer I can suffer from everything and have nothing much to do other than sit there and stress about it. Please.

If you would like to help, even the smallest amount will. My paypal is charlottephilipps@gmail.com

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I messed up and need help to fix things

I have been trying to everything for my kids, school clothes, food, taking them to clubs that they wanted to go to.  The whole time thinking oh its ok, i will be able to pay it back, its no problem, it will be fine.  Then I realised that you know what it will not be fine and that I am now in a place not to be able to afford anything for my kids as I am spending all my money paying off the bills.  I know this is stupid and I should have just explained that they can’t have everything but since my wife and I separated I wanted to give them everything to cheer them up.  My little girl is 11 and my little boy is 8.  They are my absolute world and I wish I had done things differently but I didn’t to be honest I wasn’t in a place myself to be able to figure this out for myself until it was way way too late.  The separation hit me hard and to the point I was basically going through the motions every day, operating but not noticing I suppose is the best description.  I then got some help from the doctor and have been put on anti-depressant tablets to help me and once these kicked in I realised what I had done and what had happened but by then it was to late and the damage was done.

I just don’t know what else to do, I worry constantly about being a failure as a father as a role model and as a man by struggling to provide for my kids.  I know its always the same someone mentioning their kids and needing help, but this time I am asking for help from me, I have messed up, I have been the stupid one and it is me that reaching out.  Not to make the same mistake again but for me to fix the mistake I have made so that I can then move forward with my kids and my life and be the father I should be.  And one day when this is behind me I hope I will then be sitting reading a message like this and help others who are struggling.  Thank you for reading and I hope that you can find it in your heart to help me if you can.  Thank you.

https://paypal.me/gbur02

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Humble need for help

Hi

My name is Jean. You will probably judge me from I am about to tell you but I hope you can go pass the judgement and listen to my mistakes that have taken me to the end of the tunnel with over £30k debt.

About 1 year ago, I invested all the money I saved plus credit card in a business back in my home country Brazil, naively, I dint know that I was entering in a scam. Not only the person run away with my money and my dreams of having my own dreams coming to a realisation but also put me in a serious debt, which I am struggling to pay off, and made me extremely depressed and suicidal. I am currently seem a therapist to help me stop the urge to keep on living.

I am a good person, I have never caused harm to anyone and I come from a very humble family that have always worked hard to make end meet. I struggle to grasp how someone could cause so much grief to another human being like my business partner done to me. Is it my fault, yes, I should not have believe so much.

During the same time, I met someone that was also struggling in life, having nothing to eat and almost homeless and I decided to help the person with the little I can. Now, the person is dependable of me and I feel terrible to think of giving the person up and know that I can cause the person even greater harm because the person is bipolar and struggles with depression. I find myself desperate sometimes because I do not know what to do.

I unfortunately tend to attract people with either bad soul or people that struggles to be themselves in life. I am a strong person and have always understood that we can only achieve our dreams from hard work and I am not afraid of work. I have worked since I am 12 to help my family.

Unfortunately, now, because of my choices and too much empathy, I find myself in a lot of debt, which I am struggling to pay. I know that there is millions of people around the word that deserves more than that struggles and me more than me and if I could I would people every suffering person in this world but I also know that I do need right now and for that reason I ask you to help me, if you can.

I will be always grateful and I will always thank GOD for any kid generosity that was shown to me but paying back to those that need.

My sincere gratitude

paypal.me/jeanmachado5902

Jean Machado

 

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Looking for desperate help with Bill’s, rent and debt

Hi All

I am currently reaching out to any who will can listen to my plea.

I was currently working and earning a decent salary. Due to this I decided to leave the family home and move out into the world. It is almost impossible to buy in London but by a miracle I managed to rent somewhere for me and my new partner. During my employment I was always up to date on my Bill’s and such and took out a few loans which allowed me to pay for my wedding as well as furnish the property (nothing extravagant but make the house a home but was unable to finish) as soon as I started the process I was made redundant by my company after they took a contract they couldnt handle and ended up making them go bankrupt. I was one of the first to go which was a massive blow as I had payments to uphold. Due to the nature of the industry, the time of year and most importantly my age (early 20s) it was near enough impossible for me to find new employment as I was deemed too young to be in a certain position regardless of how far I had made in the company I was previously employed to. Due to this I was off work for nearly 2 months and fell behind on almost all my Bill’s, rent and loan payment putting me into quite substantial debt. I then managed to find a company who I thank them dearly for giving me a chance and a temporary contract which lasted till a few months ago. During this time I was happily earning and playing catch up bit the wage wasn’t enough to keep up and I was still falling behind and the loans taken out have substantial apr% which i didnt realise was that bad. I’ve tried everything. And have been doing everything I can in order to get back on track. My current debt is around 20k but my main issue is the rent which is around 3k in arrears and soon to be 4k approx as I have been out of work the last few months and started to fall behind again. I am looking to start a new contract In jan but again womt be the amount to fully control everything. I thank the people who I rent from as they are very helpful in my situation and been trying to help.

All i want is to get out of debt and start again fresh and do things right. I have always been good with my money but this was just too much for me to handle and I’m now drowning slowly more and more into debt. I still however smile as I always believe in everything happens for a reason.

I thank you all for listening to my please regardless of a donation as I still always believe there is some good in the world left and that always keeps me going.

 

paypal.me/RayleighDKing

Filed Under: Rent Tagged With:

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We supported and collected for charities and never thought we would need help

Having been the one in the past to do charity collections and fundraising for good causes, it was always about someone else and not about my family and myself- charity was something we gave to in the hope we could make a small difference.

I’m embarrassed to even be typing this and hope if nothing else it gives me some peace of mind to voice the situation and feel that maybe someone had listened.

While trying to keep a small business running and avoid bankruptcy we as a family tightened our belts and focused on keeping food on the table and the utility bills paid, while hiding the problems from the children.

My partner works as much as she can and we are not entitled to any support from the government it seems when we asked- on the hope this was a temporary situation.

For 12 years we have managed to keep on an even keel and while no extravagant holidays or cars we were doing ok with an old car and keeping a check on our finances.

I always believed that other people either played on being ill or that their illness was a form of coping strategy and not a full blown illness.

For me illness didn’t happen overnight it was a slow build up to ending up in hospital in a state of confusion and realising that I was ill only really when admitted to emergency room

For someone who always was as strong as an ox and never ill it was hard to believe that the shaking and not being able to think straight and feel like I had been beaten up could be fibromyalgia.

I’ve struggled to keep going for years of poor health and we have sold off items to pay bills, I hate the fact that I want to support my family and can’t find a way out of this.

Currently we are in the middle of winter and heating fuel low, being careful with food purchases and heart breathtakingly considering selling our dog which will upset the children no doubt.

Work has all but stalled and my health has deteriorated, the basic outgoings exceed the household income.

I hope whatever support received that this is a temporary situation and I can pay it forward some time soon.

Having tried to see what work is available my Fibromyalgia symptoms mean that no employer will employ me and we have run out of items to sell.

For us Christmas would be a celebration to put food on the table and to heat the house in the hope we can find our way out of this situation and pay it forward again.

paypal.me/DanielY628

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Surgery cost me my job

First of all I’d like to thank you for taking the time to click on this and read up to this sentence.

I recently had an inflamed appendix which burst resulting in me being blue lighted into Swindon hospital and needing an emergency appendectomy unfortunately for me this was during my 3 month probation period at my new job. After the surgery was finished and I could go home I was told to rest and had a doctors note for work which was given in and I kept my managers updated via text. I unfortunately got an internal infection which prolonged recovery and made me very ill, the doctors were concerned I could develop the deadly sepsis but luckily for me I didn’t.

once I was due back to work I turned up early and I was called into a meeting where I was told due to my extended recovery time (even covered with sicknote) was too long for them to keep me employed. I have rent, bills, a dog, no transport and no income.

at the moment I’m applying to every single job I can find but this time of year isn’t the best time for jobs. Please help me, I would Be so so grateful, I’ve tried everything from family and friends, to applying for loans and credit cards to try and get myself out of this mess but it just isn’t happening.

 

thank you for reading this far and I hope you have a wonderful Christmas.

https://www.paypal.me/PaigeMcFadyen

Filed Under: Rent Tagged With:

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Stuck in a rutt. Any help appreciated

IMG_20191207_012007.jpg

I not sure when the sun stopped shining for me, but it’s been a while now. I am sad. I am sad all the time and the sadness is so heavy that I can’t get away from it.

My life currently isn’t to great (I mean on a worldwide scale it’s pretty damn good).

I recently quit an underpaid job, with little to no recognition, no gratitude, or any form of appreciation. I rarely see friends or family, and have little to no social life. But then I liked my job, the people I worked with, but I was just ground to the bone and ended up in a horrific mental state.

After 13 years working in hospitality, cheffing, and running pubs I’ve had to get out. And that has financially screwwed me over and I don’t know what to do, I am currently job hunting and trying to get out of my (nearly capped) £2000 overdraft.

I’m trying to figure out the triggers, because there has to be something, something that happens that drags me back under, I can go days, weeks, even close to a year feeling top of my game, feeling fine, then in a matter of minutes I’m staring at a blank wall doubting everything I’ve ever done in life.

I can honestly say other than some really minor self harming(years and years ago) I’ve never been to that end of the spectrum where I wouldn’t want to be here anymore, and don’t feel I ever will get to that point. I know on a personal level how suicide can ruin multiple lives. It’s not that I don’t want to be alive it’s more me wondering what’s my purpose, why am I here if all I feel is sadness, disappointment, and loneliness.

I do have great friends and family but my anxieties prevent me from talking to them, often through fear of being a burden perhaps, I don’t know. I’m just lost.

Lost, sad and feeling empty. I do not and will not talk about it, I can’t. I can type, that’s my only solace, I could type til kingdom come, but the moment anyone asks how I’m doing..

“Yeah not bad” or “Yeah I’m fine” is all you’ll get.

I have recently taken up exercise and have been raising money for charity doing various events, got a half marathon next year and a ton of others.

I am at the lowest of low now having to resort to asking people on the internet to help me out.

I had to give up my flat, moved back in with family, which makes me feel even more of a burden,

I’m just asking for whatever is possible to get me a little bit out of debt so I can survive the next few months and not completely go bankrupt.

My mental health has been improving and my physical wellbeing definitely, just stuck in a rut where I do not want to go back into cheffing because it did not do well for my mental health and that’s all I’ve done. So trying and applying for jobs every damn day with no luck and could really use some good will to help me survive.

Thank you and God bless,

https://paypal.me/reallyhatetoask

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Just à lonely girl

Hey guys, my names tracy and I am 22 years old. Welcome to my life story.
I was born in Guadeloupe a small island in the Caribbean where I lived with my mother and siblings and when I was 12 I moved to Miami. After graduating high school I kept in touch with my distant “father” to visit him in England and maybe stay for university if thing changes.  A couple years later I went and  agreed to stay because it was easier for my studies. I want to become a behavioural analyst. Anyway, not 1 year has passed yet and I have been verbally abused, starved, and depressed. I finally came out my bubble and went searching for jobs and got one at McDonald’s. Everything went back as if nothing had happened in the past. No outburst, no violations, nada.
My dad went through a rape allegations and was incarcerated for 5 months pending trial. Me as the loving soul that I am did everything I could in my power to make sure He was okay in the loony bin. Sent him money, took care of the house, worked a full time job, plus study.  And For an unknown  reason I got called on trial as witness to something they claimed I know happened  when in truth I didn’t even know my dad was all the way in England in 2017 . Explained job the situation to my boss they let me off many times early to go to court, to get unexpected phone calls etc. Then one day they got fed up because I mean who at a professional  place wouldn’t ; and  they fired me . 2 months later my dad gets out of prison , I’m still in search for a job and he’s back at work like nothing happened… This time he does everything he did but worse and he makes sure that I’m aware that he knows and trust me if I had an option to go back to Miami to my mom I would .. but the president don’t want to give me permission for a visa, so here I am….. finding myself of this site 😭 until I can take care of myself. I hate being like this but I don’t have a choice at the moment. The bible and my mom have been keep me strong trust me .. oH how GREAT IS MY GOD ❤️🙏🏾  Thanks guys so much. God bless 🤞🏾

Paypal.me/princesstracy8

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Scottish Person Seeking Help

I am in desperate need of some cash due to unforeseen circumstances. I am prepared to offer a service or my website in return for the cash (details at bottom). I will try to get to the point of what has actually happened.

Firstly I was in a job and doing fine, however my boss had quit and it left me unemployed earlier this year. Having spare time I setup my own price comparison website. It’s really new so not bringing in any revenue yet, whilst I look for employment though not many jobs around at the moment.

It was just me and my mother living together, unfortunately she had a heart attack on her way home from work one evening, I got this bad news out of the blue when the police knocked on my door one evening and I had to go the hospital with them, unfortunately she was dead before I got their.

I was very close to my mum as it was just her and me, and she never had any sort of insurance for a funeral etc, so I spent the £3000 I had of my own savings on this, and I also had to use £2600 from my banks overdraft to cover the rest. Each day my bank is charging me £3 which is the overdraft fee for using the £2600, and I see no way out of this until I find a job.
Any donations to help me repay this would be very much appreciated, and I personally can guarantee that any amount donated would be repaid.

I am that desperate to sort this out I am willing to provide my services or offer something if of any interest to anyone.

My price comparison site is PetComparison.com if anyone wanted it or to make me a offer, or wanted a similar site built I would do this for you. I would try to sell it on a website where you can sell sites but they all charge fee’s, something I even struggle to do now. Even if someone wanted to partner in on it with me, and they get future revenue. I am pretty much open to anything at this point.

I also have a 5 letter domain name Yegot.com which I do not use if anyone was interested in purchasing this domain from me.

Basically it has been a very tough year with everything that has happened, I am trying to stay positive but I feel like I am too far deep in quick sand, if I could somehow eradicate the overdraft I have it would give me so much more breathing space to move forward, give me the time required to find a job, and to finally get back on my feet.

If you want to email me you can at shauny02@outlook.com, this is also my Paypal email.

Thank you for reading, and if you are unable to help, but know a friend or someone who is into website things, domains etc, maybe you could show them this for me as they could be interested.

Shaun

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Urgent help needed

Dear potential sponsor,

It is no secret that I am writing this note, to ask for financial help, however I would like to provide some context of what brought me here.

In 2015 I experienced some hardship which led to myself being a student in my undergraduate degree, at the age of 20, and also balancing morgage repayments using my student loan in order to keep the family home afloat. Needless to say this was unsustainable, so I applied for loans in order to me continue to make payments as well as support my life whilst studying. Every summer I would work up to 60 hrs a week in order to save for my personal rent at university, whilst help with the financial hardship at home. After three years of doing this, I found myself  homeless whilst studying and also knee deep in debt for both my degree and personal circumstances. Throughout this time, loan payments were expensive and sometimes impossible to meet causing a deep amount of depression and anxiety. I am resilient, however and will not be deterred from achieving my dream. I am proud to have graduated with a 2:1 despite all of the challenges.

I managed to stablilize my living circumstances and went back to university to  work toward my PGCE so that I could become a teacher; I was successful. However juggling the financial burdens over the last 5 years has put my credit rating in a place where I wont be approved a loan to consolidate all of the debt (despite being able to afford it). As it stands I am paying 3x the amount to individual lenders than I would be if the debt was consolidated. My sole issue is that my credit rating does not allow me to be approved for the funds that would alleviate the burden of my situation.

I am currently left (3 days after payday) with less than £200 for the month, not including travel and food expenses. I am clear on what needs to be achieved and driven to paying off my debts however it is not without the need for help. I have spoken to debt advice companies however they offer little help other than insolvency. this is not an option for how far I have come.

Currently my debts equate to 10,000. I do not ask anyone to take responsibility for my debts. If it were within anyones means, I would be more than willing to pay back in monthly instalments the full amount, Failing this If I were able to raise even half of this amount, my life would be impacted in an unspeakably positive way.Whilst I understand it is nobodies debt but my own, I know that the catalyst for my current predicament was simply an attempt to save my family home, not recklessness or irresponsibility. I am struggling to keep my head above water, and am calling on the good will of anyone with compassion, who is able to help toward the situation I am currently in.

I am someone who believes in the good of the world, and no matter the outcome of this I plan to keep my belief in the good alive, by paying forward every kind deed in whichever way I can.

 

If you feel that you could help, please donate funds to my paypal.me link

paypal.me/angelanavine

Yours most Sincerely

Angela.