Hello, I hope this note finds you well. Thank you for your time and consideration. My name is Naomi I am 52 years old, single, living on disability income. My income is well below the poverty level. I have just over twelve thousand in credit card debt. With your contribution I will pay down that debt.
During the pandemic I was renovicted from my rental and my mom died. Renovicted means I was evicted so that the new landlord could renovate and charge more for the rental. Prior to those difficult emotional and financial changes, I could manage my credit card bill much easier. Today the monthly credit card bill takes a good chunk out of budget that I need for my living expenses. Rent and all of my expenses went up. I am having difficulty getting the things I need. If I could eat cheaper food I would, but I have food allergies. It’s expensive to have these extra considerations for my health.
I have been living with arthritis since I was a child. It’s the reason I am on disability income support and it is not much. I have arthritis in most joints in my body including my fingers and neck. I am an artist learning how to use a graphics program on the computer. My plan is to create artwork to sell online. With my health the way it is, my progress is slow. Despite that my art and learning keeps me focused on eventually improving my income through my own work. It can take hundreds of pieces of art to have a competitive presence online. It will likely take time before I see a return on my effort.
I am asking you for help today to help me create a better financial situation for myself that allows me room to get the things I need. When I get the balance of that debt paid. I will be lowering the limit on that card, so that I am never in this spot again. It was too easy to get into this financial difficulty. My income is not enough. Rising expenses, unexpected expenses, emergencies were charged to the credit card. And despite always keeping up to date with payments the credit company hiked my interest rate to twenty percent and twenty-two percent for cash withdrawal. I phoned to ask why and was basically told because they could.
They recently lowered the rate on my card to fifteen percent, thankfully. I hope they never find a reason to raise that rate again. I really appreciate your time and help. Have a good day. Thank you. PayPal.Me/Naomi82888