I am looking to buy a new windshield for my car and I have to fix the interior as well as get new tires. I work full time at a hospital, but my monthly payments for my car are what I’m drowning as well as the insurance because of my age. I am hoping to get at least 5000 so I can fix everything. Any amount would be appreciated thank you all.
I’d like to begin by saying I have never asked for help like this before now,but desperate times do happen.I would like to start off by telling you about myself a little.I am almost 60 yrs old now,married to my wife that i first met when she was 9 and i was 12 yrs old.35 yrs this yr.We grew up in the same small town in Ohio,her father did not really care for me at the time,but we eventually got to know each other better and now we get along just fine.He owns land in southern Ohio about 200 miles from where we live,my wife grew up there when she was young before they moved up this way.She and I dated all through high school,and after she graduated we were married,We have 2 children,boy and a girl,there grown up now and each have a child of there own.When my kids were younger we went to visit my in laws often,and went to his land he has in southern Ohio,about 80 acres of mostly woods,always had fun there,the kids would go out into the woods and have a great time,we went on nature hikes often when we were there,I would point out things like the different kinds of trees we would see ,animals ,and sometimes we would see deer out there also.we still go there sometimes,do love it down there,people seem to be friendly there.Then about 12 years ago my mother in law passed away from cancer.We all were upset about it of coarse,but as time went on it became easier to deal with,My father in law finally decided to move back to where he grew up and move back down south,he had his old home tore down replaced it with a new modular home,Its a nice place ,Now we take out grandchildren there to visit as often as we can,,they love it there,and it reminds of when my kids were young and all the fun they had there.we still live in the same mobile home we have lived in for 25 yrs.Then about a year and half ago my father in law found out that he had bone cancer which upset my wife alot since she already lost one parent to it as you can imagine,nothing you can really do about it,so we have delt with it,then about January of this yr my wife hurt her back home ,she was on short term disability for awhile but that didnt last long,so we decided to cash in her 401k and set us up a spot on her fathers land so we can take care of him when it gets to bad for him to get around.We purchased a mobile home and set it up on his land,had to get a septic dug ($10,000)mobile home was 5,000,soil test was $1.000,water tapped in was $2.000,and that about shot the 401k,still working on getting it strapped down,skirting and etc,got an estimate on the electric hookup,$6.000),I was planning on getting it done and go ahead and have my wife move there,my daughter decided to move there also with my grandson,and help,.I will stay here and keep working until i can sell my old mobile home but its not worth much really,be lucky to get $3000 out of it.so I am asking for any kind of donation that will help me to get them moved there to help a family member in need.all donations can be sent to my paypal account at firstname.lastname@example.org
My name is Cortney and I am a 22 year old college graduate. I paid for college through a special program and with colleges. I had never been in debt before. A year and a half ago I moved across country from Michigan to California. That was a huge financial burden to take on, but it was one that I was ready to do. During the entire move, and up until now, I never asked for help from anyone. I made things work and I pushed through.
But, it was around that time that I also started using credit cards. There were pros and cons to that. The pro was that I needed to build credit and this was the way to do that. The con was starting to fall into debt. I manage to pay my minimum payment each month. But I’m failing to make a dent in the actual debt.
Now I am at the point where I am struggling to pay rent as well. I live with two roommate. But between my bills, I need to make at least $2000 each month to scrape by. I was doing ok, until last month (November). I had to put my entire life on hold for the month.
My grandpa had died and my good friend had committed suicide. These were two things that brought me back to Michigan to deal with. I had to go the entire month to attend funerals as well as help my mom (who is riddled with her own problems) and my grandma (who is slowly fading away, mentally). I tried working while I was home, but it was hard to balance everything. So I took out a loan to try to get ahead. And now I find myself even further behind.
I am $400 short for all of my bills this month. I have no support system or other options for help. If anyone would be kind enough to donate anything. The stress and weight of everything is slowly eating away at me. I work 3 different jobs and am doing the best I can. I just need some help to catch up.
I know these things are decisions I made and I can accept that. In the future, when I am better off, I plan to repay any generosity that is extended toward me. Thank you.
I recently graduated with a Sport and Science bachelor degree which I haven’t been able to get a job in what I was major in. During my time in college, I was unable to do an internship as I had to work full time, care for my son, and attend college. It took me a long time to finish, but I persevere to get done what I started and to serve as an example for my son. On that same note, all the jobs required experience which I haven’t acquired as of yet because the opportunity is not giving unless you know someone. I’m very family oriented and all the time I have I spend it with my son; therefore, I don not know that much people out-side of work.
I’ve been in my job for 10 years where I was promoted and obviously a raise was giving. But, I still live check to pay check and now I have to start repaying my student loan debt.
The reasons I decided to post here was because I recently was a victim of a scam where I was told that I qualified for a loan forgiveness and how I was only to pay 10% of the whole amount. What made them so convincing was that they had all my sensitive information, so I felt for it. They charge me an initial $240. Thankfully it wasn’t much but I had to skip other bills which I’m now behind.
The second reason is because early this year, I wanted to buy a home because what I pay for rent, it would be the same amount if I had my own. However, the amount that i qualified for was not enough to get a decent home. I was told I didn’t qualified for higher loan rate because of my school loan.
It would be a blessing if you can lend me a hand and pay my school loan debt (51K) ,and give my 11 year old son and me the opportunity to get a place we can call home.
Hi, I guess I should start out by saying that life and Murphy’s Law has been kicking my husband and I in the lower regions for a little over 2 years now. If you name it, it has happened to us. From my 27 yr old daughter being diagnosed with rare bone cancer to having at least 5 deaths in the family over a 24 month period. My husband and I have always been the ones who gave anything and everything to others (including, the shirts off of our backs, literally) and now we find that we’re in the situation of needing help. To be honest, this business of “catching up” is killing us financially and health wise. He is on disability (which barely sustains us} and I suffer from migraines constantly and have serious health issues myself. My husband suffers from Huntington disease, which is similar to Parkinsons disease and is now forced to use a wheelchair and walker all the time. At 54, being wheelchair bound is not an easy thing to accept when you’re used to being independent. I’ve been trying to manage bills, take care of house and maintain (I make jewelry as a hobby) but it’s beyond me now since my hands give me problems (a minor result of a mini stroke). Most of our bills are a month behind, I’ve been using a friend’s car for the last 6 months because ours died and we’re barely making rent or have enough for the necessities left over. What savings we had are long gone, as I mentioned, a busy 2 years. We went from being active in community and artists to pretty much confined to home. I’m at the point now where I am humbled enough (not that we weren’t humble before) to ask for assistance.
I’ve added everything together and estimated that to get back on track, we would need at least $7,000. To me it seems like a lot to ask for, but I’m asking in the hope that with the kindness of strangers we will be gifted some of it. Any help at all would be a huge difference in our lives right now. I thank you from the bottom of my heart in advance and may God bless all of the angels who choose to give, those who have blessed others already and extra blessing to the founders of this website. Even if we don’t receive a penny, it’s a wonderful thing that you all are doing and I thank you. Thank you!
Donations can be sent to http://www.paypal.me/prysmaticjewels
Here is a little bit of my story… with a corrupt and horrid dcs office and judge…
First off my name is Kendall Brewster im from new castle Indiana I’m currently 30 years old and im a mother of 5 beautiful children…
my children are the reason im am writing this so maybe someone will be willing to help me n my family…..
my children had been removed from me I only had 4 at the time when I got pregnant with my son then they took him from me from the hospital…
the four older children are with family but my baby is no longer with family and we want him back…
let me start at the beginning of the whole situation…..
I am an addict who had relapsed so me knowing I was unable to care for my kids properly I sent them to stay with family….. they were attending school they were being fed watched over and more…. they were and still are being well taken care of…
Child Protective Services came knocking at my door one day….. I was not happy to see them for one and two my children had not been with me for weeks at this point. I may be many things but a bad mother that I am not, but DCS still said they were removing them from my care so on n so on…. it was all about paperwork for them… I had not put my children in any bad situations, nor had I used around my children or harmed my children…. from the beginning of my relapse I had done what was best for my children and placed them with family… I did right by my children and just because I’m a single mother who is also an addict im not looked at in the nicest way.
so I go to court they paint me as this horrid person and mother im so distraught by the whole situation but what was I to do… I complied to the best of my abilities… there were a few bumps along the way but I did everything they asked of me I danced real pretty for them even done extra things… I was clean and sober I was pregnant as well that did save my life back then…. so a few weeks before my son was born I had gone and bonded their father out of jail and everything went from being great the kids were back living at home with me at this point… DCS got all pissy I signed a piece of paper to try n give my children’s father a chance to be a good father after he started to comply but they never gave him a chance…
my kids’ father has a pretty bad criminal background so they disliked him very much…
the judge on the DCS case is the judge on the fathers’ criminal cases
hes, my cousin
I also filed a change of judge n change of venue due to the fact I pissed him off with my answers to a few of his questions he asked me after that on July 5, 2017, I had been told that I was no longer allowed any contact with my girls.
my son I was allowed to see until they removed him from family for no reason… still won’t give me a reason for his n his removal. nor will I get any reason for the no contact with my girls…
I hired a paid lawyer but he was of no help he is in with the judges here so he didn’t wanna make waves… so I had to fire him as my attorney.
my family and I have been trying to get my son back since his removal but the judge ain’t having it…
there is way more to the situation but I was giving just a rough overview im in desperate need of legal help…. the city im from makes the rules up as they go along it is not right its not fair… I love my children very much n want them back if not to me family please help me…
I have recently been told I have to leave a home I’ve been living in 10 years.
with the removal of my children and everything else that was going on in and around my life, I had become severely depressed. I was and still am barely able to get out of my bed or to even stay awake… I barely have the will to get up and go to the restroom or shower that’s about the only thing I do, do… I don’t want to be this way I try to get better some days now are better but most days are bad… I am all alone with nobody to help me so me being alone makes things even worse because I only have myself to talk to…
I do not wanna have to leave I’m scared ill be homeless nowhere to go no one to go to its so frightening for me im like frozen…
I needing money for a lawyer and money to save the home im being told I have to leave because I have not been able to pay my rent…
Hello I hope your having a blessed day. If this message finds you I hope you your heart is full of understanding. I would like to stay anonymous, being that my name is one of a kind and I’m a little embarrassed to post on a public page. It took a lot just for me to write this. I am 19 years old and I just started living on my own a year ago. I come from a family who has always struggled on the poverty line my whole life. So growing up watching my single mother struggle to support four kids, I decided I wanted better for myself so I put in as much work as I could under my circumstances. I started with barley many help at the age of 18 got myself an apartment and a car from working two jobs. I was doing great until the hurricane hit (Florence) and I ended up losing my job and most of my belongings. Which set us back in bills to 2,000$ and we were evicted from our home. Im currently living at my cramped elderly uncles home on a small air mattress, just looking for ways to eat day by day. I don’t start my new job until January 7th I have all the paper work to prove it, and even when I do start it’s gonna be a while before I can do this on my own. I do have bills and receipts evidence of the amount due I just didn’t post it on the actual post because again I don’t want to put my personal info out there. I am willing to send any pictures needed I’ll even give you the phone numbers to call and verify. I’ve been working really hard trying to get this paid off and now I can’t even move into a new home until that amount is paid. I wouldn’t dare ask anyone of anything, I’m usually the one to give but for once I’m willing to admit I need help. I need someone gracious enough to help me get out of this hole I was never taught how to get out of. I pray that you find it in your heart to bless me with any contribution from 1.00 to the whole 2,000 anything will help me please and thank you.
I’m an honorably discharged US Army Veteran humbly attempting to raise approximately 7,500.00 in donations to cover the cost, taxes, and registration for reliable transportation. I’ve been homeless now for little over two years. This all started when I lost my job and primary income in 2016. Next, an avalanche of events followed. As a result of being laid off, I got behind on payments and lost my home. My wife of 15 years walked out on me. Shortly after that, the engine blew out on my pick up truck on the interstate. Being unemployed, without close family around or anyone I could go to the cost of repairs was out of reach. For the last year and a half, I have tried to resolve this on my own. The main issue is that I need a job to get a vehicle at the same time I need a vehicle to get a job. Purchasing one has remained out of reach as invariable costs of being homeless are ongoing tasks as simple as laundry mats and public transportation is a challenge with the limited income it all adds up. Often times ends don’t meet. Since all this happened I have couched hopped, stayed in a shelter and been on the street. At the same time, I have been addiction free and determined to get on my feet. Currently, I’m staying with a friend I go to church with. Helping me fix the transportation issue, thereby become self-reliant, being where I need
to be when I need to be would definitely be a game changer allowing me to take back control over my life and rise above an adverse situation. I’m an Army veteran that fought for our country I’m humbly asking you to help me fight my battle now.
I am Jose, and I needed help with my financial debt. I am currently a student and have acquired a $300 debt. I am trying to find a better job at the moment since my current job only offers me one day of the week. I have been able to pay off my next semester classes but my account went into the negative even with the financial aid I was receiving. My debt will start to accumulate interest and at the moment I have no way of paying it off, my bills cant be paid and I wont be able to eat until I have my account in the positive. This debt also includes my medical bill which I have also not been able to pay due to buying books and paying for my next classes. I had to go to the doctor to have my blood checked in case I had an illness. I have not been able to sleep as well due to the amount of stress that has accumulated in having to pay this debt off. It might not be a big debt but keep in mind that I am a full time college student with a job that wont allow him more then one day a week. I really do hope someone can help me, it will be truly appreciated. I also aspire to one day be able to help out others in need when I am financially stable since at the moment my tuition fees and medical bill are causing me stress since I have no way of paying it off. Please help me with this small debt at https://www.paypal.me/SillyKitteh
I honestly would really love if i could get some help, and the username is to at least have a bit a humor amidst all the stress. Living life with a laugh is one of the best ways to see the light through all the bumps and potholes.
Well I guess it’s obvious that I’m in a desperate situation since I’m on here. I have cancer, and I want to scream . In June of 2017 I was diagnosed with non-Hodgkin’s lymphphoma, leaving me in shock and in an emotional wreck. For the past 12 years I raised my two boys on my own, working two and three jobs to ensure a roof over their head, food in their belly and clothes on their back the whole time wanting them to see how a family is there for each other and make sure that their basic needs are being met. I am blessed that I have two very good young men who are now supporting themselves, while still helping me in my home with basic chores. I have found myself in a situation that I have fallen behind on some of my bills while I am doing my best to make payments and payment arrangements, I’m at a point of desperateness and am reaching out for financial assistance; currently I am $4200 in debt, which includes a hospital bill, a car payment and a utility bill. I have one more year of maintenance treatment called rituxin for my lymphphoma and from there my oncologist and I will pray and hope that I will not have to continue treatment for a long time, the unfortunate situation is that there is not a cure for non-Hodgkin’s lymphphoma at this time but I am encouraged with studies that show individuals can live many years as long as the cancer is maintained. While I continue to try to keep up on my daily living expenses I find myself in a stressful situation and I am worried that I’m going to continually go into debt and scared to death that I am going to lose my home (which I have worked so hard for) or my vehicle which is my transportation to my treatment and several doctors appointments. To end this I just want to say any help would be deeply appreciated and I wish the best for everybody’s health and happiness. Thank you for your consideration.
I am just needing some helping getting my life back in order. I left my relationship of 11 years and took my son and ran. It was a very toxic and dangerous situation. He decided drugs and alcohol were more important then his family. I was able to get my son and I moved into a nice home I had arrangements with the owner to be able to buy the home but come to find out the owner wasnt honest I spent almost my entire paycheck for two years to pay the high amount of rent and come to find out the owner wasnt paying the mortgage so the home I’m living in is being auctioned so im working on moving. Staying here and paying the high rent along with all the other utilities has really gotten me behind and ran up my credit cards paying for the power and the expenses of daily living. I’m hoping that you can find it in your hearts to help me. Every little bit can make a difference. Thank you
First of all, I would like to thank anyone taking the time to read this. I know that everyone has a story, and sometimes it can be hard to choose who needs help. I hope that after reading this, at least one person will be able to help me get back on my feet.
January 3rd, 2018 began like any normal birthday. I woke up to my then-wife of 10 years, and started making plans for the day. She made me a lovely dinner and picked up my favorite cake. As I went to kiss her and say thank you, she pulled away. I asked, “What’s wrong?” She said, “I don’t want to talk about this right now.” Instantly, I could tell something was amiss.
After losing my appetite and convincing her to spill, she confessed that she had been talking to a sugar daddy on an online video game, who was interested in polyamory (something I’ve told her I was definitely not okay with). She said she was 100% sure she was done. I’ll admit, I cried and even threw up a little. Here I was, enjoying a meal I thought was made with love and not pity.
Over the next few weeks I pleaded and talked to her about options such as counseling, but it was too late. She agreed, but still kept talking to the guy in secret. She never had any intention of working through it.
Unfortunately at the time, we were stuck in a lease on a place it took both of us to afford until the end of July. She agreed to stay, but slept in the guest room and spent the time chatting away with her new beau. Jealousy and depression was an understatement. I was disgusted having to listen to that.
For the next few months we tried to come to an amicable agreement, but she kept moving the goalposts. The year before, she had returned her car that she was financing after filing bankruptcy and asked if we could share my SUV which was paid off. However, she eventually became possessive of the vehicle and requested that in the divorce. Needless to say, she won.
To make matters worse, she took all the assets that were actually good for quick cash value, leaving me with things of “value” on paper such as our mattress, but that depreciate quickly. I felt scammed. However, the nail in the coffin was her and her mother convincing the landlord to let her out early and evict me if I couldn’t make rent by myself . With the help of a pro bono attorney, I was able to extend the lease but was beginning to sink in debt.
So, only a year after becoming debt free again, I began to open credit cards to make up for what she covered. I also had to take a position that only offered 25 hours a week from home as I was without transportation. I saved and saved, but no dealer would approve me for even the most modest of vehicles.
In August, feeling defeated, I succumbed to depression. I attempted suicide and was found outside by a neighbor m. Fearing being locked up in an institution, I told the ER personnel that I merely took extra anxiety meds due to the stress but didn’t intentionally try to harm myself. They bought it the first time, but not the second I went in there.
At that point, my doctor convinced me that clinging to a house that was filled with 10 years of shared belongings, in her home state (I moved to be with her), wasn’t good for me. She said, “You can always get new stuff! I say get rid of everything, get your passport and go be with your family in Canada.” My sister in Canada agreed. She even said that she would hire me for her own daycare, sign off on my visa and help me settle. In the frame of mind I was in, I agreed.
Within a month, every material possession that I owned that didn’t fit into two suitcases was sold or donated and I was in Canada. Things were great for the first week. However, my sister failed to tell me that she was considering leaving her husband. Not only that, but she was talking to someone else too! It’s like she didn’t have any sympathy for what I just went through. Still, I bit my tongue and tried to make the best of it.
Little did I know that her husband knew, and had mentioned it when she was gone one time. When I told my sister that he knew, she got really defensive and ultimately insinuated that I must’ve been the one to say something. As if I would do anything to make a volatile and desperate situation in a foreign country any worse. Nevertheless, for the remainder of my visit she was aloof and spent most of her time holed up in her room talking to her new crush. And she also reneged on helping me.
Realizing that I couldn’t just go apply for jobs or places in Canada, I used the last of my savings to come back to the states and rent a room from a friend. While the situation here is stable, I’m stuck. I’m very far from public transportation, and many of my job offers are far away. Also, I don’t have ANY professional attire for an interview.
To end the year, my grandmother passed right before Thanksgiving which I spent alone, a new girl I was seeing cheated on me on Christmas, and my New Years plans fell through. 2018 has definitely been the worst year of my life, and right now I’m wishing nobody found me outside that summer night.
As of now, I have a few short term and a few long term goals.
1. Get some professional and casual worn attire. This is the hardest because I’m a big guy and 6’6” with size 16 feet. Just 8 articles of clothing to make 2 or 3 outfits is around $800+ in my size.
2. Find transportation.
3. Find a job.
4. Get a gym membership and supplies again (have lost 49 lbs this year, but would have lost more had I been fully focused).
1. Find my own apartment.
2. Pay off the $3000 or so of debt plus student loans.
3. Earn my masters in psychology and gain a new career.
4. Find a woman of God who values the sanctity of marriage.
I really don’t want to give up on life. I would like to believe that I can be someone useful to God and to society. But I just don’t know where to start. As I said, everything I own is in two bags. And while I’m thankful for the room I have, I don’t know how to move forward without the chicken or the egg, so to speak.
My birthday is tomorrow, and I’m really wanting this year to be better than the last. If anyone out there has it in their heart to help me become self-sufficient and get back on my feet again, I would cry tears of joy and feel my desperate prayers have been answered!
Any contributions can be made here: PayPal.me/BabyBare
Thank you, and Happy New Year!
I am a young man asking for assistance paying his rent. – I know, this sounds extremely generic, however, I am trying my hardest to get back on my feet. Without going into too much detail, I was hospitalized for weeks during the fall semester of 2017, and found myself drowning in debt, from both the hospital and the costs of tuition. I began to work full-time while attending school, which proved to be difficult; often skipping class in order to sleep for work. This led to me inevitability dropping out of college and working full time.
During October of 2018, I became unhappy with my situation. I was working a dead-end job at a food court, where the management was nonexistent, and cooperation was unheard outside of each person’s concept. I moved away from my hometown to attend college, yet now I only worked to provide for my older sister. I decided to quit my job and go toward greener pastures – which was a grave mistake in itself. I turned in hundreds of applications, ranging from janitorial to food service, all to no avail. It wasn’t until the end of November where I was hired as a janitor, making only 50 cents above minimum wage.
I worked Monday – Friday, from 7AM to 4PM, scrubbing toilets, walls, mopping floors – you name it, I did it. Yet even though I was finally earning income, my bank account was so overdrawn from purchasing gas, to groceries, that my first paycheck resulted in me taking home $10. Although I was extremely discouraged, I continued to work in hopes that I would be able to make enough to pay January’s rent, and also have side income for Christmas. With all the hard work, and after logging in a hefty 63 hours I managed to take home … $489. After not having a single dollar to my name for so long, this number felt like a million bucks to me, and so, I did what any person does after winning the lottery – I went out and bought ACTUAL groceries. No more pasta and Ragu sauce for me! My ‘splurging’ has resulted in me ending up with literally zero in my bank account.
I am telling you all of this, not because I demand your sympathy, rather, I hope you’ll see me as more than a wall of text, or just another story. I hope you see me as a person. A son, or neighbor, who is dying to get out of this hole that I have fell so deep into. I feel as though I have been placed with so much responsibility, having to be the only source of income for my older sister, that it is often too much to bear.
Attached is a letter from my management office.
I am hoping to receive $650 which will cover the full amount of the rent.
Thank you for reading, and any help is appreciated.
Starting the New Year Homeless
A year ago…
“I think that it’s just mental illness,” she said, staring at me with the degree of certainty that only emanates from the kind of people who are the most assured of their convictions. Thu and I had only been colleagues for a couple of months, but she was always—always—certain about everything and, this time, she was certain that mental defect and mental defect alone was the sole cause for our city’s rising number of homeless.
It was a year ago this month that we stood in the expansive lobby of a downtown corporate trade association for the firm’s holiday party surrounded by oversized Christmas trees and undersized plastic plates piled with high-calorie fixings to mark the season.
She and I happened on a conversation about homelessness—at a work function of all places—because not 100 yards from our building stood day in and day out a group of homeless locals who would solicit funds at a major intersection. It had become a topic of conversation in local media and at the office given that we all passed these neighbors daily.
“My family came here with nothing and worked hard,” she added, referring to her parents’ departure from Vietnam in the aftermath of the fall of Saigon. “They can do the same.” My enthusiasm for the conversation quickly waned as she began to spout the familiar boot-straps narrative that so often animates our political discussions about poverty.
I was no expert on homelessness, but even I knew that the subject was far more complicated than issues involving mental health, substance abuse or even just plain ol’ willpower. Did she know, for example, that nationwide just under half of all homeless people were once living in their own homes and that in cities like San Francisco that number is north of 70 percent of the people who now find themselves without a place to stay?
Did she know that more than 20 percent of all homeless individuals are actually employed, but simply don’t earn enough to cover the rent and that study after study links the rise in homelessness to a drop in affordable housing options and increases in rent?
But, I didn’t offer any of that as a rejoinder to her certainty that the issue all boils down to mental health. Instead, I politely ended our exchange (offering something about wanting to try a dessert I had seen float by on a tray a moment earlier) and went to look for one of those tiny plates to overload with glucose as an elixir for my lack of political courage.
Yet, little did I know standing there, amid my indignation about the causes of homelessness, that in a year’s time, I too, would be at sudden risk of becoming homeless.
Soon after leaving the corporate world I joined the transition team of our city’s newly elected mayor as communications director, working to craft a narrative around the creation of policies to help reduce things like homelessness by addressing housing prices.
Then, after she was sworn in and opting not to join the administration, I began consulting on communications projects that would also advance policies similar to those that I had advocated for as the incoming mayor’s spokesperson. But, all of that changed recently.
Being a freelance consultant is wonderful.
I get to pick the projects I want to work on and set agreeable hours. But what I didn’t know is that not only do clients not always pay on time, they, sometimes, don’t pay at all.
I am a one-person operation, which means that I effectively can only handle four to five clients at a time, any more than that gets to be unruly and my work product begins to suffer. So, as a result, should one client not be forthcoming with satisfying an invoice, then anywhere from 20 to 25 percent of my income could end up languishing in accounts payable.
So, in September when I signed a $20,000 contract with a firm whose management I knew well, I felt good about the prospect of being paid on time (in the amount of $5,000 each quarter). Yet, not only did that not happen, but, when I was paid, I was given a check for half ($2,500) of what I was owed for the final quarter of 2018 and soon discovered that there were no funds in the firm’s bank account to cover that dollar amount.
I immediately retained pro bono counsel and was able to wrangle a valid check in the amount of $2,500 from the firm’s corporate office, but was quickly notified that corporate planned to instruct its subsidiary to walk away from the remainder of the contract.
So, now I am faced with some very difficult legal and financial decisions and have learned (through conversations with fellow freelancers) that the experience of having clients balk on contracts is a common one. Yet, this experience has left me all but destitute and facing the imminent repossession of my vehicle, loss of my apartment and even cell service.
I am seeking to replace the income ($5,000) that I was slated to receive at the start of the next quarter (Jan. 1), providing me with enough “bridge capital,” so to speak, to stave off homelessness and get to the start of my next contract in the early to mid-spring.
So, if I can get through this particular financial malaise, I am excited about what the future holds because thanks to all of my years of communications experience I am now being invited to help produce public affairs programming for a local leading television station, an idea that has been on the vine for a few years, but that is now coming to fruition.
I, of course, intend to produce content around the issue of homelessness, the very issue I am, ironically, contending with now. Yet, any interruption in what has been a very stable housing situation will certainly put that project and all of my other work at immediate risk.
So, I am reaching out for financial assistance (to raise $5,000), having exhausted all other available avenues.
I am very grateful for any assistance you can provide: paypal.me/transfercredit
My name is Jessica. I’m writing on behalf of my family: Taylor age 10, Easton age 7, Maci age 3 and my husband, John. We have been experiencing financial difficulty since my husband was injured in September. He is a self-employed general contractor and therefore does not have disability or FMLA benefits available to him. He cannot physically perform the work anymore. He has been in physical therapy but it isn’t helping much and I just unexpectedly was let go from my job that provided us with health insurance and the ability to barely keep our family afloat. I have applied for unemployment and assistance, but those things take time and we are so far behind that we do not have time to play catch-up before we lose everything. We have not been able to keep up on utilities and those will be shut off in a couple days, we haven’t been able to make vehicle payments and are very close to those being repossessed. We are also behind a month in rent and have no way to pay the upcoming month’s rent. This is very hard to do since we have always worked for everything we have ever had, but we have exhausted all options and what limited family and friends we have do not have the means to help. Our credit has been destroyed due to our financial hardship, therefore, we do not qualify for a loan. We were able to enjoy Christmas because we’ve raised our children to know the real meaning of Christmas and that gifts aren’t everything. They were able to open a couple of gifts each and were very grateful. I’m so blessed to have such appreciative, caring and loving children. They deserve so much love and happiness and I do not want to feel like a failure for not being able to provide for them. We just need to make it until I can get a new job and my husband has been looking for different types of work that he can do that doesn’t require physical labor. Our situation has been putting a strain on our marriage as well and it’s becoming harder to remain a united front in this financial battle. Any help at all would be so appreciated, and you can count on us paying it forward when we have the means. We are people who believe in working hard for the things we need or want and in helping those in need. It just so happens that we are now the ones in need. God bless you and Merry Christmas!
P.S. I’m sorry I cannot figure out how to upload a photo. It keeps saying “Unsupported File Type”?
PayPal Link: paypal.me/jessicaberiault