I have been searching for some way to receive financial assistance for my family. We are a young family of 4 Ontario, Canada. We are unable to ask for help from our family as some have passed away and others are on a limited retirement income. My Grandparents raised me (who have since passed) and my spouses Father passed away from cancer (20 yrs ago) at an early age. His mother has struggled to make ends meet and raise her children.
We are struggling, and I can provide proof if requested. I want more for my young boys. I want to get out of debt and start saving for their future (education and something to leave them for their future).
After having our 2nd son, I decided to go back to school for better employment opportunities. This just put us in more debt. We started a home addition of a third bedroom so our boys could each have their own room, and we have done this all on our own as we couldn’t afford contractors. This has been a work in progress for over 3 years and still not complete. This has put us in a lot of debt that we are struggling to maintain. I can provide proof of our personal debts from the student loans to our bedroom addition. It is approx $90K+. This does not include our mortgage, home utilities, repairing our vehicles with worn out parts and rust, etc. We are plugging away but with our lower incomes (my spouse just got full-time in his maintenance job after 10 years of working there on a part time basis, waiting for someone to retire so he could move up) we can’t seem to ever see an end insight. We can’t even afford to get married. I would someday like to take my children, while they are young, to Walt Disney World.
With all the rain we had at the end of summer, our backroom in the basement flooded twice. We found where the water had tunneled in between where the old foundation meets the new foundation addition. We had to pay a contractor to help us fix it and slope our laneway away from the house too (backhoe hourly rate, gravel, install a drain pipe, etc.). This has set us back even more now! It just never seems to end. We keep trying to pay down our debt and something goes wrong only to increase what we owe even more, and slow us down from finishing this addition. I even cashed out what little mutual fund investments I did have, just to pay off a visa card that I had to use while I was in college. Then Christmas came, and we don’t have any extra money sitting around for gifts for our boys, so we buy a few things for them and get in more debt so that they may get some presents from Santa.
I am at my lowest point right now asking for help online, but I don’t know what else to do. This email may not be the best way to ask for help from someone, and I am sorry if this isn’t a request I should be sending you.
We just don’t know what else to do. I am just praying for a miracle…from someone, so that we don’t lose everything we have worked hard for. Now with the Doug Ford Government making cuts, we may lose everything (cuts to my spouses job).
We really need someone to help us get back on track. Even if someone could help us with our student loans so we have one less monthly payment to make. Thank you for taking time to read our request. Here is our link, paypal.me/becky9911