Begging Money

Financial Hardship Help

Last Updated:

Clear Credit Card Debt

   Hi! I am Brandon Lau, a Chinese Malaysian, staying in Sepang district, Selangor, Malaysia. I wish and hope I could clear my credit card debt as earlier as possible for me to start a new life.

   In August year 2015, I started to have difficulty to pay minimum payable amount of my credit cards from 5 banks. This is because my investment in banknote operated massage chairs, that was started in the end of year 2013, has failed.

   I have invested MYR90,000 for 6 massage chairs in year 2013. I did not have enough capital for the investment, so I signed up for few packages to withdraw tens of thousands of Ringgit Malaysia in cash from my credit card accounts from multiple banks. Before the investment, the massage chair supplier gave me some “misleading” statistics by saying that his other investors earned minimum MYR1000 monthly for each massage chair invested by allocating those massage chairs in selected hotels. At that time, the investment sounded good and profitable for me. At that time, I was thinking to have a good and secure passive income first before I could plan to try other profession for living.

   However, the reality was that supplier has failed to find suitable hotel to allocate my invested massage chairs for first few months. Few months later, the supplier only managed to have two hotels to allocate my four massage chairs; the other two massage chairs were left in supplier warehouse. For the four massage chairs in operation, two massage chairs have moderate income, average about MYR600 monthly per chair; another two massage chairs have poorer income, average about MYR350 monthly per chair. These were gross income before paying monthly space rental to hotel.

  In year 2015, my two massage chairs with moderate income started to have problems. So, I requested support technician to repair. Initially, the repair work was done at allocated hotel. Later days, when new problem occurred, technician told me need to send my two massage chairs back to workshop for checking and replacing some spare parts. I requested them to take my two massage chairs in their warehouse to replace my two massage chairs that have been malfunction. However, my request was not fulfilled. The technician has replaced my two malfunctioning massage chairs with massage chairs from another investor. This caused me to have no enough cash to repay minimum payable amount for credit card accounts. Eventually, I sold my remaining two massage chairs to an investor for about MYR2000 to MYR3000. In addition, referring Hotel CCTV recording, the technician has misconduct to stole banknotes from my massage chairs in few months time before I sold my massage chairs. I have terminated my massage chairs contract and stopped paying space rental to hotel. Some more story to tell but in short, I don’t want to bother these massage chairs anymore.

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   Now, I have learned from the failure, but I have had to pay a high “learning cost”. I have surrendered all my credit cards in years 2015 and repay credit card debt by monthly installment. In order to cut down monthly expenses and commitment, I have also surrendered all my life insurances and medical cards. In May year 2016, the factory (in Banting, Selangor, Malaysia), where I worked at that time, has been closed down, I have to travel extra 25km to new working place in Klang Valley area. Extra cost has been added to my monthly expenses because I have to pay additional highway toll charges, additional parking fee, more expensive meal, etc. I am in tight budget every month since May year 2016; it is difficult and tough for me to have savings. I have to surrender all my insurance and medical cards in December 2016 to further reduce my monthly and yearly commitment. My current major commitment is my housing loan, car loan and credit card debt installment. After paying three major monthly commitments, the balance of my monthly salary may just be enough for food, transportation (petrol, toll charge, public transport fare, parking fee, etc), phone bill, etc. I am eating less nowadays, this help me to reduce meal cost and keep fit. I use public transport (train and LRT) to work to reduce cost. However, I hardly to have savings (even drain out my savings) and I do not have emergency fund. In fact, I am struggling for survival.

   I am over 44 years old now (in year 2018), I try to control my diet and pray for having healthy body because I do not have insurance and medical card to cover medical or hospitalization bills. In addition, I am still single and never married. I am looking forward to falling in love, but my financial situation and constraint makes me afraid to look forward to it. I have paid more than MYR56,800 to reduce my credit card debt since year 2015. Maybe I could settle my credit card debt in another six or seven years. After clearing my credit card debt, I may try to find a relationship for marriage. However, six or seven years later, I will be over 50 years old. My parents are now 80 and 76 years old respectively. Maybe I have “some buffer time” to wait for few more years to have my own family, but I am not sure if my parents could make it to wait for me to get married and have their grandchildren.

 

 

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   The attached images are sample of my credit card statements from three banks (out of total five banks). I wish and hope that I could settle my credit card debt as earlier as possible. The following is my paypal link if you are so kind to donate：

   paypal.me/goldentiger96

   May you and family be well and happy always.

   Thank you. Thank you. Thank you.

 

Last Updated:

New year a new life free of debt and drama!

Hey!

I just wanted to say thank you for reading this and I am not one to ask for money I was raised to do everything on my own. I’m stuck and honestly a bit freaked out. I am trying but it isn’t working. If you can just drop a good wish or a pray my way would be excellent, as I don’t really don’t why I am doing this, and don’t think I am really legitimate to ask for help to people I don’t even know. I just feel I should give it a try.

Any donation amount would be extremely appreciated in helping me get back on my feet.

About Me:

My name is Sean. I am a college student and a single father. I found out I had a son when he was 5 months old, he’s now 9 months old (the mom and I are friends, she’s pregnant with another guys kid). I do have a job that pays me around $50(average) every two weeks. I am in school and trying to better myself for my son’s future. I have Asperger(A developmental disorder characterized by significant difficulties in social interaction and nonverbal communication, along with restricted and repetitive patterns of behavior and interests,) it interferes with my daily life, however I am still working to be something my son can look up too.

Owed:

I just recently had my debit card stolen which has made my life a bit more hectic.

I am asking for $5,000 but $2,000 will put a good dent in my debt and give me a bit of breathing room.

Any donation amount would be extremely appreciated in helping me get back on my feet.

I did pay of around $1,000 a few months back. Pretty proud of myself there.

 

Again, thank you so much for reading this. Anything you do or say helps.

 

https://paypal.me/flamelier

Last Updated:

my dream to rent flat

Hello, My  name is Diana. I live in Tbilisi, Georgia. I am  31 years old.  I Live with my mother.I Was a lucky in my life .  3 years ago i lose  my job. break up with boyfriend. I tried to find the reasons . I work hard over myself.  I am engaged in meditation.  Trying to read more.  I Try to start new life. I wanted clean house, where i am living now. but i have problem. My mother  likes to collect old things.  Everyone should have hobbies, but we have small flat. Everywhere boxes  inside the broken things  and old clothes. I tried to talk with her, but she become very aggressive. does not want to throw out. I do not want a negative in my life.  I am ready  to start new stage in life. I am sure that everything will be excellent.  but I should take the first step: to move separately to live. negative energy does not allow me  to grow. It is very difficult to be at home. In my country to rent apartment  is not expensive. 1000 usd  will be enough for 3 month include bills. Please help me!  Sorry for my English :)

https://paypal.me/dianakakubava

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Last Updated:

Need to get out of this rut

I’m a young 22 year old male in dire need of financial help. I have spent most of my life worrying too much about what other people think. Social anxiety has been my closest enemy for as long as I can remember. I always find myself struggling in social situations to this day. For instance, something as simple as meeting people and saying hello to them is like surviving an attack by a wild animal. It’s a situational thing though, as I don’t feel much anxiety when I’m accompanied by my brother and a few close friends of mine, which is really not a good thing. It’s a different story when I’m out by myself, that’s when s**t hits the fan. I don’t even get out of the house that often, let alone go to work. That’s how bad it is for me. As a matter of fact, I’m always dependant on someone or something. If I were to go to work, I wouldn’t last longer than a week without feeling overwhelmed to the point I can’t even function, which results to panic attacks. My big struggle is to carry on spending time with the same people for a longer period of time. For example, going to University, communicating and connecting with my classmates is nearly impossible. The more days go by, the harder it is for me to continue, which is why I had to drop out and as a result, I missed out on two years of studies. Under those circumstances, I tend to isolate myself quite often, which leads to constant negative self talk. I’ve tried different approaches to work on dissolving my social anxiety by going out and trying various exercises. It would seem as if there were minor successes, but if something didn’t go as planned in my head, I would beat myself up all the way back to ground zero and starting all over with the harsh self talk. All this became a never-ending cycle and caused me a lot of depression, almost to the point where I wanted to end my life. And this has been going for years now, and it seems impossible to get out of. I’ve done a lot of research on how I can beat this, and after a lot of trial and error, I came across a few services, in the form of coaching, in order to help with my anxiety, and just my social life in general. But they seem to be a lot more than what I can afford. One of them reaches up to £2000, which covers how to deal with social anxiety itself on a practical level, containing multiple packages, and it is in London, closer to where I live. And another one is about the same price, which also covers about the same, but it is more immersive than the other, and more personal, but outside of London. I don’t have anyone I know that I can ask the finances from. This is the only way I could reach out for donations.

I’m asking for a donation of £4000. Some of them which cover my travel expenses.

To sum it all up, I just wanna be free of all anxiety and I want to live life on my own terms. I want to meet people, make deep connections, build successful businesses and so much more. Enough of the negative self talk, enough not being able to do things I want because of what other people think. Enough surviving, but just living.

I can’t emphasize enough how much I need this.

Thanks for your time! :)

https://paypal.me/nrul16

Last Updated:

End of Times

Hello

I’d like to begin by saying I have never asked for help like this before now,but desperate times do happen.I would like to start off by telling you about myself a little.I am almost 60 yrs old now,married to my wife that i first met when she was 9 and i was 12 yrs old.35 yrs this yr.We grew up in the same small town in Ohio,her father did not really care for me at the time,but we eventually got to know each other better and now we get along just fine.He owns land in southern Ohio about 200 miles from where we live,my wife grew up there when she was young before they moved up this way.She and I dated all through high school,and after she graduated we were married,We have 2 children,boy and a girl,there grown up now and each have a child of there own.When my kids were younger we went to visit my in laws often,and went to his land he has in southern Ohio,about 80 acres of mostly woods,always had fun there,the kids would go out into the woods and have a great time,we went on nature hikes often when we were there,I would point out things like the different kinds of trees we would see ,animals ,and sometimes we would see deer out there also.we still go there sometimes,do love it down there,people seem to be friendly there.Then about 12 years ago my mother in law passed away from cancer.We all were upset about it of coarse,but as time went on it became easier to deal with,My father in law finally decided to move back to where he grew up and move back down south,he had his old home tore down replaced it with a new modular home,Its a nice  place ,Now we take out grandchildren there to visit as often as we can,,they love it there,and it reminds of when my kids were young and all the fun they had there.we still live in the same mobile home we have lived in for 25 yrs.Then about a year and half ago my father in law found out that he had bone cancer which upset my wife alot since she already lost one parent to it as you can imagine,nothing you can really do about it,so we have delt with it,then about January of this yr my wife hurt her back home ,she was on short term disability for awhile but that didnt last long,so we decided to cash in her 401k and set us up a spot on her fathers land so we can take care of him when it gets to bad for him to get around.We purchased a mobile home and set it up on his land,had to get a septic dug ($10,000)mobile home was 5,000,soil test was $1.000,water tapped in was $2.000,and that about shot the 401k,still working on getting it strapped down,skirting and etc,got an estimate on the electric hookup,$6.000),I was planning on getting it done and go ahead and have my wife move there,my daughter decided to move there also with my grandson,and help,.I will stay here and keep working until i can sell my old mobile home but its not worth much really,be lucky to get $3000 out of it.so I am asking for any kind of donation that will help me to get them moved there to help a family member in need.all donations can be sent to my paypal account at barbsizemore@gmail.com

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Never had a chance to get a student job

Hello,

my name is Glenn, I’m a 20-year-old student from Belgium.

throughout my entire life, the most money I ever had was around 800 euros, only a few months later it was already down to 300 because I wanted a decent phone that would still work five years later.. this was when I was around 15-16 years old.

The reason I never had a chance to get a student job or do any jobs to earn money from, starts with the age my country allows me to work, which is 16.

My home situation was very tough and only got better two years ago. Basically, my dad abused alcoholics and this made him be aggressive, ruin my parent’s bank account and he would end up having verbal fights with my mother. It’s been like this for as far as I can remember, literally. Which means about my entire life.

He used to threaten with killing himself, telling his suicide plans to me and my sister (we were only 10 and 13 by that time, me being the youngest). he told us a lot how much he wished we would fall dead before his eyes. he made my mother cry every day and traumatize me and my sister by shouting so loud at my mom and hearing her be furious.

It would terrify my sister and me and we both handled that in a different way, my sister cried and cried. I would try to ”get used to it” and have all the negative energy sucked into me.

My dad went from martini and whiskey to wine when I was around 5 (at least that’s what my mother told me one day.. well the fact he used to abuse whiskey and such). So he went to wine, didn’t matter which kind, he always bought these 5 to 10-litre containers usually sold in a cardboard box with a tap on it.

People would think “well he went from whiskey to wine, isn’t that an improvement?”. The simple answer is no, it doesn’t matter whether you drink a bottle of liquor or ten bottles of beer, it would give the same amount of alcohol in your blood.

He consumed those 5-litre boxes in two days, the 10-litre ones took three to four days. He had this tiny glass he could just fill and down it all at once.. This went on for a long time.

Later my life we got him to stop abusing wine but eventually he went to beer, of course, beer and later porto, he used to consume a six pack a day of beer and when he drunk Porto instead it was a half to an entire litre a day of Porto with 17% alcohol..beers were usually between 8% and 12%

when I was around 13 I started to question my sexuality.. my dad always told me gay people were gross and disgusting, so I was afraid to be one myself. a year later I came out for being homosexual… to myself.. I told nobody. Basically, with that I mean I tried to accept myself being gay. I cried for 2 days and felt horrible for several weeks until I decided to just quit feeling bad and just accept the fact and try to make the best out of it, which turned out to be a more colourful and joyful time in my  life, I tried to subtly express myself more and more (I was so scared to be gay I actually tried to act as straight and as manly as I could once I realised classmates made fun of gay people when I was 9, I was afraid to be left out and bullied). So yea I wrote with a pink ballpen with the excuse that all my other pens were empty and I just didn’t care.

Since that time I have always been like that, not caring about what others think, I just did what I liked, defended myself the best I could.. which went entirely wrong.. I have social difficulties concerning dealing with and understanding sarcasm, and difficulties on how to react to annoying people. That second one simply because I was used to way worse from my dad.

They started making fun of me being gay and I tried my best to understand why they see fun in it, i also tried my best understanding the difference between sarcasm and seriousness as the amount of friends i had went down, and the friends i still had, i just called them friends to have friends. By that time i was diagnosed with ADHD.. but it didnt feel to me like any relief to know that.. in fact, i felt like it wasnt only ADHD that was wrong with me..

when i was 15 i met this boy online who claimed to a year older than me.. but in short, just to not make this letter insanely long.. He ended up being two and a half years younger than me, which meant by the time i would be 18, i could be sued by his parents as pedophile since he would only be 15 a half..

He ended up abusing my feeling for him, cheating on my several times, once asking me if he could go have sex with someone else he had feelings for aswell but not the same way as he did for me.. about 4 months after that i met this other person who seemed to be nice and he became a good online friend of me so i introduced him to my ‘boyfriend’ and after a week or so he started to text me less and less and my boyfriend wouldn’t send anything love related to me anymore and would be short towards me… I speculated that he got in love with my friend and eventually got to fire out he was with my friend and that friend sent screenshots of their conversations as proof..

Eventhough my bf would still lie and say there was no one else.. so i sent that to him.. and well things went downhill, i spent a total of 3 years and a half being drained by him yet in love aswell (this kind of relationship where someone makes you feel  horrible but does just enough to not lose you) we broke up around 4 times before it was officially done, he had self esteem issues escalating to self harm and suicidal, he even showed my his blood dripping down his chair and sent pictures of his scars.. as terrified as I was i tried to make him clean it up and put a bandade on it… then one day he had a mental breakdown and only a week after he was silent.. after many doubt and me not trusting him at all he ended up having all his devices confiscated by his parents so he couldnt go online anymore because his parents thought i was the reason he harmed himself.. he disappeared just like that right before my winter exams.. i literally thought he killed himself and i had to study my exams and had the worst holidays ever.. especially because a lot of Christmas movies go about love and i used to enjoy watching movies together with my family as far as it was possible.

Once i came out to my dad for being gay he would swear at me for being gay and tell me to become some sort of sex slave and get money from it maybe (of course he only said that when he was drunk).

The same year i broke up with my so called boyfriend my mother had a bowel perforation due to never ending stress and if she got in surgery only an hour later she would have died, i was sick at that time and was home, i saw everything happen from her screaming of intense pain to her being hospitalized and watching the ambulance drive away with her.. if she would have died i would have probably left home and lived on the streets..

the fact she had this incident broke my dad and he got into depression which as long as he was still abusing alcohol became the worst year of his addiction but luckily also the last year. I remember me pushing him away from me and as drunk as he was he would fall and play dead to annoy me.. i saw him crawling over the floor not being able to get any word out of his mouth, i remember him damaging the freezer badly from falling into it and him having a bruise of 15cm across which the doctor said needed urgent medical attention and maybe hospital.

 

only three months after my mother had recovered i broke up with my boyfriend which broke me since he then accused me of a lot and ruined the bonds i had with my best friend online and i ended up getting a depression aswell.. he made me fail two years in high school, one because i spent too much time trying to fix him, the other year because he was the main cause that triggered my depression and made me quit school during easter break.

In the five months i was home my dad started to stop abusing alcoholics with ups and downs and i started to know myself better again.. i ended up reconsidering school and changed to another school to finish my high school studies and be allowed to go to college.

My mother didnt get to work during her recuperation and once she could her job was moved to India and she got fired. Due to my dad being depressed he wasn’t allowed to ever work again and since hes 59 years old getting a new job is like trying to swim from Belgium to England while you know you cant even swim 500 meters..

Because of the horrible situations at home, i never got a chance to feel rested enough to go work in the holidays as i needed them very badly to recuperate from school and my dad driving so bad we once nearly had a head on collision with a house. I tried to do my best these last two years in highschool and also tried to fix my depression by being optimistic, i considered going to a new school as a new chance to make friends and it didnt really work to make friends.

Luckily I was never bullied again and all my classmates liked me, but i just couldn’t get along that well, i was openly gay and its what they supported me with, my teachers there were very supportive for me to help me feel more at easy and to get the best school result from me given my situation which at that time was parents who would never get along anymore but forced to live together because we were running low on money and if either my mom or dad would have left if would mean on of them would end up on the streets with nothing) and me being depressed.

For these two years, i was required to have a laptop to run adobe, so i got me one and could only pay 500 euros of it, my parents paying the rest..

I also started to take driving lessons by the time i was 19, so i could some day drive to friends i met or just be away from home for a little.. but never had time to have a student jobs or holiday work. You would think why not go work in summer? I couldn’t. When i was 17 i got diagnosed with a light form of autism clarifying why i had social difficulties and tons of anxiety.

(My anxiety went so far i would have stress if my mom reminded my to prepare my sandwiches for school lunch for the next day.. i also had a lot of annoying phobias and fear of death, bad spirits, demons graves, coffins and so forth.)

So i needed summer to work on myself and get less stressed again..

When i finally made it and graduated from highschool i decided to go study game graphics production in college. This would mean i would have no time at all, at most one free day a week to see friends or play some video games. Because i have had a lot of hardware issues with my own laptop my parents ended up buying me a school laptop which would be instantly replaced if there appear any malfunctions.

i have now been in college since September 2018 and so far i love what i do. I’m in an international school where everyone is as open minded as can be allowing me to finally explore myself and try out new things, new dressing styles and so on.

Thanks to this i learned more about myself including that im agender which means i dont see myself as either male or female but i do prefer more feminine clothes, which means i have to pretty much buy an entire new full closet to feel comfortable and to express who i am and not appear like someone im not.

I have tried many ways to make some passive money so i wouldn’t end up without, but never got lucky with that. till this day i still use the same phone which im glad i spent extra money on, i did have to repair it entirely one day (i did it myself since it would save 100 euros). But recently my phone started doing really weird things that suggest a broken internal memory meaning the end of this phone’s days are near and i currently dont even have 20 euros on my bank account.

Beside that, there are many things i had that broke down and i never got to replace, i currently have a boyfriend who i can see irl but it have to take the train to see him and often spent all of my money on seeing him. So for the moment, i have to choose to see him or buy something small for myself or save up so i can afford to buy new headphones and stuff like that.

That’s pretty much my story in short. I hope to soon become character designer and succeed all my courses as they aren pretty expensive and i cant wait to finally have money from a decent job, even though 80% og my job opportunities will be abroad and i obviously have no money to even get there let away rent a small apartment abroad. And as my parents bank account is getting low even they wont be able to afford buying my an apartment without risking their own financial position to go to officially broke.

 

I value every amount of help a lot and want to thank everyone who helps me out financially.

https://paypal.me/Bluefluffy

 

Thanks a lot again, both to take time to read this, for your kindness, support and if you do, also for your donation.