My name is Nicholas and I would like to thank you in advance for taking the time to read my post. Asking for help of any kind makes me uncomfortable and I hate doing it. I was taught that you work for what you want in life and everything you have but I am at the point now where I have to swallow my pride and admit that I need help.
I am the sole provider for a family of 5. About 5 years ago I lost my not great but decent paying job of 12 years. Luckily I was able to find a new job in less then 2 months but it pays about 15,000 less per year then what I was making before we went from living a tight but comfortable life to living paycheck to paycheck overnight. I am currently making approximately 35,000 a year before taxes and as you can imagine that is not enough for a family of 5 to live on. I have been putting my tax returns into savings and using that along with credit to cover monthly expenses that my paycheck does not cover throughout the year then would do it again the next year.
This year has been a especially hard year. It started out good but then went down hill. First we had a relative that needed help paying rent one month and needed help. We took 1100 out of savings to help them with the promise that it would be paid back within a few months. As of now they still haven’t been able to pay us back. Then I had 3 unexpected car repairs over a 4 month period. We only have the one vehicle and it’s my only way to work and back so the repairs had to be made but it took the rest of what we had in savings and what little credit I had left.
I am now at the point where I don’t have enough income to cover all the monthly expenses and no savings to make up the difference. I never thought I would ever be to the point of having to decide between paying bills or buying food or putting gas in the car but that’s where I find myself. I have been selling everything we have that has any value to cover things that last few months but we have nothing left. I want to avoid filing for bankruptcy at all costs because we would probably lose our home and that’s all we have right now.
I am hoping there are caring and generous people that would be able to help my family get caught back up on things and get us by for a few more months. Any help you can give would be greatly appreciated. Thank you again.