This is … more or less a shot in the dark. I have no more options, and I don’t have any realistic expectations, but maybe…just maybe…someone who is well off…can help. If your interested in helping me out, and have money to extend effortlessly, please consider my story below. Otherwise, it would be a generous gesture, in and of itself…just for you to even read my story. Of which, i would greatly appreciate. And if not…i still wish a good day to you anyway.
I’m being as honest as possible here…i can manage, barely. I do have a job, and im not homeless. But as is..i will be in debt for a very long time unless i get some type of intervention.
I… well… i had a dream. A dream to go to Japan, and Teach…I have been studying Japanese for 2 years on my own…but i could still use a bit more work. However..this dream is now…unattainable for me…due to the debt that has accumulated, despite my best efforts. One emergency after another…never allowing me to stay out of the whole. My life…since I’ve become an adult…has been a constant uphill battle. It seems like I have never gotten a break and if I did…it was so short lived, its hard to remember.
My parents were not financially well off, and i had to work really hard to get my education. I mostly paid out of pocket, with a few scholarships here and there… I never had student load debt because i have always just worked to pay off my college expenses…ohh the solid 3 ~ 5 years of pushing carts, and grocery store work…fun times.
I was…fine for a while. Fast forward to present, I got an entry level government job, and I was in the process of paying off my own debt, and things look liked i could pay it off in about a solid year of working, and I already had a bit of savings for my initial trip to Japan, and to start the 1 year learning abroad language course.
But then…the gov shutdown. I couldn’t get unemployment because the state was overwhelmed with workers. I couldn’t qualify for unemployment anymore, if i tried to find another job. And many of the senior employees, already knew this “game” and was able to get their unemployment. But unfortunately…due to my inexperience..i never could get through the line, with the wait getting longer and longer. It is true, the government did compensate a little bit back after it was reopened…but the damage caused by the sudden loss, out weight the compensate of wages given to us. This was compounded by the fact the i sustained hardships during this time as well.
So…i started using Credit cards to live off of….and well…it just kept going down hill from there. I used up my food stamp money, so i had no choice really.
Then… my car started having problems… first the real axel…than water pump…then head gasket…then the whole engine went up. All of these mechanic bills piled up, and i kept using more and more credit.
So..I finally had enough…and decided to get a new car, with what little credit i had left…and…now i have payments. Payments i was going to use to pay off my credit card debt in the first place.
Then..I had to move out of my neighborhood because of the crime and violence. My neighbors where having their homes broken into, and people were getting shot and killed every week. Attempts where made on my life, as well as attempted muggings. I narrowly escaped those situations. So..it was time to move out…
So i found another place to live outside the city. Much better…but now the rent is much higher. So now i have a bigger rent, bout 5x times the rent. It’s substantial.
Currently, i have just enough for food, rent, utilities, bare living essentials. But… my dream…of saving up to go to Japan..and Teach…has now effectively been halted…
With everything factored in, i don’t see me being able to pay off my debt for another 5 years. With the first milestone of being able to pay off my payments to a new car. And the next milstone of being able to sustain my rent.
The new car is just a modest jeep, not even a 4×4…its FWD…cheapest option. I needed something something to replace my 99′ Subaru that went up in smoke… Something reliable…that’s why i choose a new car over buy a used one.
So…I know things could be worse…i could be jobless again…or homeless. So i would understand if, after reading this, you choose to skim this request, and help someone else who is worst off. I would completely understand, in fact..i would encourage it.
But…if you have ever had a dream that you were able to fulfill…and it has allowed you… the reader, to be well off to the point, where you can spent the amount of debt that i have as easily as buying a cup of coffee maybe…
Well then maybe you can help me attain my own dream. I would be very grateful… and would do my best to make the world a better place.
And if i find my self in a position to help another person to attain their dream…i swear on my life, i would do the same for them within my own means.
The debt I owe is $8,100. Chump change for some…life time savings for others….But if i could get that, i would immediately pay off all my debt, and be able to start saving up my money again, to finish my teaching qualifications, and attain my dream to Teach in japan. I would be able to do it in about 1 years worth of saving. Otherwise…ill just have to wait about 5 years before i can start saving again. Which i am humble enough to accept.
Thank you for taking the time to ready this. The mere effort you excreted to even read this far, makes you a wonderful person in my book…even if you don’t want to give. At least you cared enough to read.
Michael – paypal.me/MDelvison