Hello,

I would like to ask for help financially me get through my first year in my alternative teaching licensure.

I have worked in the STEM non-profit for the past three years.  That was until the pandemic did not allow the organization that I worked for to teach in person classes.  I taught in libraries and schools in the rural areas surrounding a wealthy ski area.  However, the organization I worked with allowed me to try online summer camps.  Which I did and did it successfully.  And although we did not have the enrollment from the wealthier families of the area, we saw an increase in our lower income rural communities.  Which was great!  As I felt I was giving to the communities from which I came from.  Every week I would create a bag of supplies the kids would need to do the weekly experiments and pick up the previous weeks materials.

When summer came to an end, I thought we could continue to offer online programming in the same format.  However, schools struggled to be in person and often moved from online to in-person or vice versa right off the bat in fall.  So my class enrollment was low to non-existent due students having spent the summer on Zoom or spending their first part of school online.  So my boss encouraged me to take on substitute teaching part-time as a means to make ends meet and she would fill in where she could.

A week prior to the fall semester I received a phone call from a local principal, whose school I had taught after school STEM programming in.  They were looking for a substitute until the teacher was released by her doctor to teach.  That substitute position went from temporary to full-time and year round by December.  To say I was ecstatic is an understatement!  I found that as much as I loved my STEM after school and summer programming, I loved this more!  I loved the kids and the ebb and flow of the classroom and it’s schedule.  And I had a class historically known for their talkative nature and enthusiasm.  The class started out with only 16 kids but jumped to 22 quickly and 23 by the end of the year.  I once overheard staff laughing at how I was the newbie and had the largest class.  But it didn’t phase me and I am so glad it didn’t.  As now I want to do this full-time from here on out.

So I have applied now to obtain my Alternative Teaching Licensure and been asked to stay on at the school to teach another grade level.  Which is great and I couldn’t be happier!  My only hurtle now is how to pay for my living expenses during this year.  As although I have received a raise, my salary will be divided up among 12 months, leaving me $900 short per month during the school year.  And given that I just signed my contract I will not receive a salary during this summer but will have to wait until next summer.

This summer, I will work my STEM programming job, forgoing any time off to teach any camp or class I can.  I will also create the curriculum for this non-profits fall STEM programming and pick up side jobs where I can in order to save up to pay for my fall living expenses.

However, despite this I will still come up short and need to take on another job after school and on weekends.  Which is hard given that I will be teaching a new grade level and having to learn the ropes, new curriculum and a new set of standards.  (Last year I spent a lot of my time on evenings and weekend getting ready for the next week and/ or grading.  And luckily I was being paid an hourly rate so I was able to make ends meet.  Despite making ends meet I wasn’t able to save but I was just happy to pay my bills.)

So it is my hope that someone may be able to help me with this next year.  I will need an extra $9000 to help cover what my monthly salary does not during the school year ($900/ month).  I am a hard worker,  help others when I can and come from an average agricultural family, so it’s hard to be on here hoping someone can help me.

Thank you for taking the time to read this and consider helping me.

Here is my Pay Pal link, should you be able to help me out: https://paypal.me/jlb307?locale.x=en_US

Sincerely,

Jodi

Hi, my name’s David. I’m 23, live in Texas with my fiancee and our 2 year old daughter and am currently employed. To be completely honest, I was a trouble maker growing up, and it didn’t help that I was raised in a dysfunctional family. My Aunt was diagnosed with Lupus and passed away at a young age. My grandma, mother, everyone didn’t take the loss well and slowly I was forced to watch what was once a loving home crumble into nothing.  My mom and grandma were constantly fighting; and when one wasn’t in the mood anymore, their problems were taken out on me or my siblings. This lead to all of us become hostile towards each other, stuck in this vicious cycle of fake love and sudden outbursts. I try to help them, to stay with them. My mother had it so much worse and I can’t just leave her. I struggled on with life and failed in school, going back and forth between alternative school. Later on I met my fiancee at my actual school and became close friends with her before finally dropping out. She was something special, if I’m being completely honest. Her love and care was unmatched and she was always pushing me to be the best person I thought I couldn’t. Fast forward a couple of years, we finally gave it a shot and things ended up working out. Fast forward another year and we had our daughter. She came a bit early to be frank, but we love her to death and she was honestly a huge wake up call for me. I got a stable job as a provider for my grandma and recently this year got my diploma. My grandma ended gave me her old car as a gift as well. But truth be told, despite things looking up for me, I’m still struggling hard financially. I had to take out two loans totalling $400+ to help with a personal emergency, tried to give dental school a shot but withdrew myself due to my grandpa requiring my care after receiving a tracheotomy; plus my car broke down and I had to dump about another $500 to fix it. I also have a negative balance that is beginning to rise because I can’t deposit my check through my banks app, because it will take my whole check and I need to buy my daughter pampers and wipes and food. Now, as of recently, I’m beginning to pile up on student loan debt and am 2 payments behind. All in all, these past 2 years have been brutal on me mentally. If I could ask for any financial help, I would honestly ask for help paying my negative balance so it doesn’t become too overwhelming. If anyone could help, I would be gratefully appreciative. I’m at my wits end here.

https://paypal.me/davidmatthew1998?locale.x=en_US

Hello, I want to beg for money because I am too the point where I feel stuck. I am asking for help because I can’t get forward and keep being stuck. I and my significant other are just in a rut. He owes money for the IRS, and a huge hospital bills. He is slowly paying it off but I can’t seem to catch up with my debt. I fell behind after COVID19 hit. My significant other and myself used to live together until we found out there was a substantial amount of mold. He lived their for 2 years and 6 months. I lived there with him for only the additional six months. I have done what I need to as a female to get money but that only can get me so far. I am behind because the money I thought I was getting isn’t coming anymore, and I don’t qualify for hardship. I did not file for unemployment once while Covid was happening…. I didn’t “qualify”. I am behind on my car payment, behind with debt, and honestly this lawsuit I want to pursue for my significant other took my last stimulus check away. These stimulus checks kept me afloat but idk if I can catch up. I want to be able to be back with my significant other, and be able to start a family but I can’t even do that without thinking about the debt loan I have out. I can’t even help my significant other out because I have failed by being behind. I am looking out for myself and am looking for a higher paying job. I just really need some help. Anything would help. The lawsuit is 5k because of the mold company I went with requires it. I paid 1.4k of it, and hope by the time I get back on my feet it will fall behind. I have given up a lot too recently and it hurts me. This whole COVID19 and me not able to do my duty as a soldier because it got canceled… really put a huge depression cloud on me. I sold my dog, my ferrets, and I can’t even muster the fact I had to move out of my significant other house, to the backup home to now back to my home. I feel like a failure sometimes but I am trying. I am behind a car payment, waiting for my debt consolidation loan to just not be a thing. I’m just ready to be back on my feet, and start a family to move into the right direction. I can’t do that if I’m just falling behind. First I lost my home because of mold, then the stable living environment with two other roommates fell through due to one Roomate stole, and we all had to move, my duty got canceled, I had to give up my fur babies…. I’m begging for anything from anyone now because anything will get me back on my feet to become a better person. I take the value of a dollar a long way now but it is hard to even obtain one these days.

To whomever got this far. Thank you….

paypal.me/orangetabz

This was me in 2018 a very hardworking woman for 8 yrs I was Foreman had great co workers, had a boss that sexualy harassed me for years, eventually it took its toll, I was throwing up before work crying after work I finally got the guts to turn him in, I was fired, I went through alot at this job just because it was a male dominant job and some men don’t want women there, in the beginning of the job i had a boss that got fired for stealing, he ended up stealing a desiel card and my pin number, I had detectives in my home searching my stuff following me around town, finally they saw on camera the boss and his family stealing the desiel, I never was even told sorry,  I was able to prove that it was really happening but he got to keep his job and I didn’t, every since then, I’ve been blacklisted, I finally found a job but after they found out that I reported harassment I was fired, I tried to kill myself a month later, but I was found, didn’t change anything I still have no reason to live, I sell everything I own to make ends meet, my kids are grown and don’t really care about anyone but themselves, my mom worries about me all the time, I don’t want to hurt her but I’m hurting so bad, I’m so tired of struggling, I loved that job and was good at it, so I’m just kinda lost now, I need help, keeping a roof over my head, paying bills, medical needs,  prescriptions counseling, I hate begging but I’m desperate if you will help me I will pay it forward if I’m ever in the position to.  Thank You

paypal ID @kimmed

Hello. I know my story is like so many others, but I’ve never been in this position before.

I had auto insurance for years with Liberty Mutual. I always paid on time because my premium was automatically deducted from my bank account. So, I never thought about paying…it was coming out like clockwork.

April was no different until I logged into my account on April 26th and couldn’t locate my account. I called customer service and was advised my policy was canceled earlier that month on April 3rd, 2021. I WAS DEVISTATED!!

Not only is it a misdemeanor to drive without insurance,  I could face jail time if in an accident without insurance!!!

Why was I dropped from Liberty Mutual?  I have my son on my policy who has had 5 accidents. 3 were not his fault, but we had to pay because 2 were  hit and runs. With the first hit and run, I have no idea how he survived the accident by the look of his car. The other not at fault was a teenager on a moped who ran a stop sign and into my son. My son thought he killed the teen, but the teen was thankfully ok. Unfortunately,  the teen’s guardians would not take responsibility,  nor assist us with the car repairs,  so we turned to Liberty Mutual to get the car back to working condition. The 3rd no-fault accident was with my son sitting at a red light, a 3rd party driver ran into him and tried to speed off. My son caught up with the driver, as risky as it was, and called the police. That 3rd party driver was found to be at fault and ticketed for an attempted hit and run. Unfortunately,  the driver was not the owner of the car, but was given permission to drive the car by the actual owner. The owner’s car insurance denied liability because their insured would not cooperate. So, back to Liberty Mutual to get the car repaired. I then had an accident in July 2020 on the highway going to Nashville, TN to visit my other child. It was raining heavily! I hydro-planed into a semi truck, was soun around 180 degrees and hit the truck again. I have no idea how I wasn’t hit by other cars because traffic was heavy. It was by His Grace that I made it through. The police showed up eventually and advised there were so many accidents reported within the 1 stretch of mile I was on. The officer advised it was due to the new roadwork and poor pooling. Someone had lost their life that day in the many accidents that occurred,  but my life was spared, and no injuries! Thank God!

I called an attorney to see if I had a case against the KY department of transportation, and my case was accepted. That is until the attorney found out the DOT couldn’t be sued. They also found out that same stretch of road was responsible for hundreds of accidents and deaths within a 10 year period.

All these accidents added up to us being an insurance underwriting nightmare,  so we were dropped, not notified and I had a lapse in coverage!

When I found out I didn’t have insurance, it was April 26th, 2021. I had gone 23 days without car insurance,  and I had no idea!

I was frantic! I searched so many companies,  and was able to get insured by The General. The down-payment was $2300, which thankfully I had due to receiving the stimulus checks. I made the down-payment on April 26th and was informed my next monthly payment wouldn’t be due until June 26th. I had a little bit of time to come up with the entire monthly premium of $1924 because I could make payments towards the new outrageous payment. I downloaded the insurance company’s app, and to my surprise, the next monthly premium was not due until June 26th, not May 26th! I had to rob Peter to Pay Paul, but I made it happen, and it was a struggle!

I searched for lower insurance,  and thought I found it through the search engine,  The Zebra. The agent had me on hold forever after he got mine and my son’s social security numbers and driver’s license numbers. The agent came back several times with questions and gathered more information.

The agent then told me he found a much lower premium for $800 monthly, and I had to put down the 1st month’s premium. I gladly did that, because my insurance with The General was due in a week’s time. I could more afford $800 monthly than I could $1924 monthly.

I had a newer and lower premium! The next day, I got an email from my new carrier advising me I owed $1089 more in order to keep my policy. I was shocked, angry, anxious and in tears.

I called the carrier and was advised because of my son’s accidents, they raised my premium. I called my agent and asked what happened.  He said the underwriting department did a back-end review and that was my premium.  So, I was back where I had started.

I have no idea how I’m going to make this premium monthly. I started a second job this past Friday,  but I won’t be working enough hours to make a difference. My son is seeking other employment as well.

My son is young and unable to afford his own coverage.

I don’t know what to do outside of turning in his car, which is in my name, and would ruining my “fair” credit score. A lower credit score would only make my rates higher when looking for other coverage. I’m in a bind and have no idea how to get out, or above water.

H.E.L.P, and Thank You!!

https://www.paypal.com/paypalme/my/profile