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Our Home is slipping away... Please HELP now!
Posted by buyahome on 2012-05-17 13:58:58
As the housing bubble collapsed, my family and I could see the coming recession and its fall out coming. While my wife has a steady and secure job, and I ran a successful public relation business, we could not chance getting caught in the down pour of bad lending and foreclosure we saw coming. That was our last smart move.
As the recession, I might argue depression spread across the country and our town equally, like so many others, we found ourselves affected in ways we didn't see coming. My business began to fail, losing client after client to hard economic times, until those few clients who were left were asking for reduced costs, some even asking to keep services coming though they can not pay at this point. I have tried to oblige. I continue to serve many clients in trying to promote their products and services "pro-bono" so they can eek out a living in these times.
My wife has been great through all this. She works a steady "day job" to barely meet our monthly rent and bills.
We have tapped every credit card, and can't pay their monthly bills and fees. We have ruined our credit, believing if we could hold back the storm, and continue to help those we serve, we would be alright on the other end.
NOW, as home prices are finally in reach, we find that we can no longer qualify for the loan that would get us, and our five sons into a new home. With home costs once nearing and surpassing $200K, we can now buy the perfect home for $50K. That's what we're asking for now: $50K!! Banks, once far too anxious to give loans for over-priced homes to people who could not afford them, now turn us away for a much more reasonable loan that would actually lower our monthly expenses by almost 1/2. We now watch as wealthy investors snatch up the homes once financed by real families and foreclosed on. But in the time it takes to rebuild the credit we need to get financed, these moguls will have all of the properties and be renting them out to all of us who could not hope to own under these terms.
So we turn to YOU! A generous stranger, who can help make our dream come true. YOU can donate a small portion of this expense, and help us to make this dream come true. We are setting a goal of $50K, and hoping to beat the tide of greedy investors from owning what could be our new home. As we get closer to our goal we will use some of the thoughtful contributions we receive to repair the credit we have forfieted, so we might get the funding we need on our own through a bank. IF this happens, and we exceed donations needed, then we will donate the remaining funds to others on Begslist.com, including to the Begslist.com creator to continue to help neighbors help neighbors ... because we all need help sometimes!
A Home is slipping away!!! HELP
Posted by buyahome on 2012-05-17 13:58:57
As the housing bubble collapsed, my family and I could see the coming recession and its fall out coming. While my wife has a steady and secure job, and I ran a successful public relation business, we could not chance getting caught in the down pour of bad lending and foreclosure we saw coming. That was our last smart move.
As the recession, I might argue depression spread across the country and our town equally, like so many others, we found ourselves affected in ways we didn't see coming. My business began to fail, losing client after client to hard economic times, until those few clients who were left were asking for reduced costs, some even asking to keep services coming though they can not pay at this point. I have tried to oblige. I continue to serve many clients in trying to promote their products and services "pro-bono" so they can eek out a living in these times.
My wife has been great through all this. She works a steady "day job" to barely meet our monthly rent and bills.
We have tapped every credit card, and can't pay their monthly bills and fees. We have ruined our credit, believing if we could hold back the storm, and continue to help those we serve, we would be alright on the other end.
NOW, as home prices are finally in reach, we find that we can no longer qualify for the loan that would get us, and our five sons into a new home. With home costs once nearing and surpassing $200K, we can now buy the perfect home for $50K. That's what we're asking for now: $50K!! Banks, once far too anxious to give loans for over-priced homes to people who could not afford them, now turn us away for a much more reasonable loan that would actually lower our monthly expenses by almost 1/2. We now watch as wealthy investors snatch up the homes once financed by real families and foreclosed on. But in the time it takes to rebuild the credit we need to get financed, these moguls will have all of the properties and be renting them out to all of us who could not hope to own under these terms.
So we turn to YOU! A generous stranger, who can help make our dream come true. YOU can donate a small portion of this expense, and help us to make this dream come true. We are setting a goal of $50K, and hoping to beat the tide of greedy investors from owning what could be our new home. As we get closer to our goal we will use some of the thoughtful contributions we receive to repair the credit we have forfieted, so we might get the funding we need on our own through a bank. IF this happens, and we exceed donations needed, then we will donate the remaining funds to others on Begslist.com, including to the Begslist.com creator to continue to help neighbors help neighbors ... because we all need help sometimes!
To Buy a Home
Posted by buyahome on 2012-05-17 13:58:56
As the housing bubble collapsed, my family and I could see the coming recession and its fall out coming. While my wife has a steady and secure job, and I ran a successful public relation business, we could not chance getting caught in the down pour of bad lending and foreclosure we saw coming. That was our last smart move.
As the recession, I might argue depression spread across the country and our town equally, like so many others, we found ourselves affected in ways we didn't see coming. My business began to fail, losing client after client to hard economic times, until those few clients who were left were asking for reduced costs, some even asking to keep services coming though they can not pay at this point. I have tried to oblige. I continue to serve many clients in trying to promote their products and services "pro-bono" so they can eek out a living in these times.
My wife has been great through all this. She works a steady "day job" to barely meet our monthly rent and bills.
We have tapped every credit card, and can't pay their monthly bills and fees. We have ruined our credit, believing if we could hold back the storm, and continue to help those we serve, we would be alright on the other end.
NOW, as home prices are finally in reach, we find that we can no longer qualify for the loan that would get us, and our five sons into a new home. With home costs once nearing and surpassing $200K, we can now buy the perfect home for $50K. That's what we're asking for now: $50K!! Banks, once far too anxious to give loans for over-priced homes to people who could not afford them, now turn us away for a much more reasonable loan that would actually lower our monthly expenses by almost 1/2. We now watch as wealthy investors snatch up the homes once financed by real families and foreclosed on. But in the time it takes to rebuild the credit we need to get financed, these moguls will have all of the properties and be renting them out to all of us who could not hope to own under these terms.
So we turn to YOU! A generous stranger, who can help make our dream come true. YOU can donate a small portion of this expense, and help us to make this dream come true. We are setting a goal of $50K, and hoping to beat the tide of greedy investors from owning what could be our new home. As we get closer to our goal we will use some of the thoughtful contributions we receive to repair the credit we have forfieted, so we might get the funding we need on our own through a bank. IF this happens, and we exceed donations needed, then we will donate the remaining funds to others on Begslist.com, including to the Begslist.com creator to continue to help neighbors help neighbors ... because we all need help sometimes!
Air Conditioner Repair So I Can Get To My Medical Visits
Posted by steph68461 on 2012-03-16 18:58:40
My name is Stephanie. Following the death of both my parents in a car accident 5 years ago August my health has been in a steady decline. I suffer from neurological issues that will soon have me in a wheelchair, and advanced COPD that means I have to have Oxygen continuously. Yesterday I had to go the doctors in 85 degree heat without any air conditioning in my van. By the time I got to the medical center and tried to find this new doctors location I ended up collapsing twice between the walking and breathing. I weigh 83 pounds at 5'5" and I can't carry the oxygen with me when I have to exit the vehicle. Ultimately I ended up in the emergency room.
I live with my daughter and grandson of 6 years. My grandson was in the car when my parents were killed and suffered a major brain injury at 13 months. I'm happy to report though that after months of hospitalization he is right as rain and is mad at me currently ;o) because I'm on my computer which he adores playing with. My daughter suffers from PTSD since the accident my parents were killed in. She cannot drive without someone in the car and she was going to go with me yesterday but the heat was so bad that we were concerned about Gavin in the back in my black 1994 Ford Astro van. It was just way too hot for him and with her PTSD we HAVE to go through town to get anywhere or she will lose it so there would not have been any steady air flow.
It's been a long 5 years. My parents and I jointly owned a duplex. Their deaths were the beginning of the most miserable time of my life. When I divorced it was jointly decided that it would better if I lived in the upstairs apartment so they could be there for the kids while I worked. Over 16 years we became so close that their deaths nearly destroyed me. I paid for the last 15 years on the note of the house, my buy in and we all lived there incredibly content and happy. My parents were my best friends.
After their deaths during the mortgage meltdown, credit locks, and the economic fallout my career of 16 years was one of the first to go. I worked in the non-profit sector designing programming for inner-city communities with a specific focus on youth. So 8 months after their deaths the funding streams I used for the programming dried up and a job I loved disappeared.
Life insurance was enough to cover their debt with a little left over because they didn't carry much but in the end I lost my home of 16 years to the insurance company that covered my daughters son through work when they filed a $ 90,000.00 lien against my home. So 7 months after losing my job I also lost a home I loved. So I experienced 3 deaths within the span of a little over a year.
Because I was unemployed so long and had to use my cards to keep the lights on so to speak my credit is not good. So I can't borrow the funds or even charge a repair for the car.
I can no longer go to doctors visits alone. I'm too weak to walk very far without help and I can't carry the oxygen canister on my own. So I need my daughter for these visits.
Like anyone with severe health issues I'm buried in bills but what I really need help on is funds that will me to fix the air conditioning in my van which despite it's age runs like a champ. I have a physicians assistant who comes into my home to work with my but getting to the specialists has become real concern.
My daughter even with her PTSD has reached a point where she doesn't want me going alone. I was supposed to call her when I reached the doctors the other day when I collapsed the 2nd time and they took me to the specialists office I asked the receptionist to call my daughter. She didn't and she left my daughter terrified that something horrible had happened to me. I don't carry a cell I can't afford one. My daughter was getting better about both driving and me driving myself; because of this receptionist my daughter has now had a huge set back. I have to see that doctor again next week and I can't take them without air conditioning so what I'm going to have to do is make sure I find someone that sit with my daughter while I'm gone to help keep her anxiety level low. I don't have any choice I have to get there. I won't have anyone to carry my oxygen but I'm hoping I can in there.
Anything you can do would be greatly appreciated. I am more than happy to pay it forward as soon as I can. I have been a lifelong contributor to various causes and I know people are in dire straights right now. We all need help in one form or another. I would never ask if I could do this myself. Please forgive me.
If you would like to know more about the accident and my Grandson and his Grandmother who after losing her home and moving into a 3rd floor apartment made a terrible mistake in her depressed state go to http://ontheirway.vanderbiltchildrens.org/?article=7511 this a feature story Vanderbilt Children's Hospital did in their print and web magazine.
Please help me clear debt that is drowning me
Posted by George180262 on 2012-02-06 11:58:11
I have, for the last 15 years, struggled to make ends meet, following periods of ill-health, bad luck and catastrophic decision making. My circumstances are now very desperate indeed, and have even considered suicide.
In 1997 I suffered from a period of depression, that became so severe that I was forced to give up my job, and borrowed money to cover my mortgage and keep my house. Unfortunately the repayments on this ever increasing debt snowballed, and I found myself unable to meet my mortgage and household bills. I had ploughed my life savings into the home, and lost it all.
In 2006 I was approached by a friend, who was concerned for my financial circumstances, and suggested that we buy an old property, renovate it and sell it for a profit. I was desperate to make some money, and trusted my friend. I would refer you to full details of this in my Beg, as the project ended in complete failure having been ripped off by an unscrupulous builder. Work that should have taken 3 months took in excess of 9, and I ended up carrying out all the work myself. I regularly worked at the house from the early hours until well past midnight. The long hours left me exhausted, and in October 2008 I had a breakdown. I simply couldnât carry on, and collapsed at work. My employer at the time was an unforgiving and vindictive man, and he said that I would be suspended if my work didnât improve. I was afraid that I would lose my job, and under considerable psychological pressure from my employer I was forced to resign.
Following the failed business venture, which had plunged me into further debt, my breakdown and subsequent loss of my job, I simply couldnât cope and pushed me into a long period of depression that became so severe that I planned to take my life. At the time I was so ill that I was unable to hold down a job, and this simply added to my woes - whilst out of work and undergoing intensive counselling I borrowed further. By the end of 2009 I was £15,000 ($23,250) in debt. I desperately want to rebuild my life now, but it is difficult to do so when I am saddled with a debt that is crippling me. Between 2009 and December 2010 my debt increased - there is no answer to it, and I will never ever me able to clear the £18,000 ($27,900) that I now owe. It is a debt that cripples me and prevents me from having a normal, happy life. I am 50 in February 2012, but have no future. I am tired of being worried, stressed, unable to sleep, and being depressed. Please, please help me start my life all over again. Please read my full story, and contact me if you have any questions. Thank you.
Is anyone out there? In need of generosity...
Posted by SynfulSeduction on 2012-01-27 15:58:27
Is anyone out there? In need of generosity...
Posted by SynfulSeduction on 2012-01-25 18:58:40
Is anyone out there? In need of generosity...
Posted by SynfulSeduction on 2012-01-25 18:58:39
Is anyone out there? In need of generosity...
Posted by SynfulSeduction on 2012-01-25 18:58:39
Is anyone out there? In need of generosity...
Posted by SynfulSeduction on 2012-01-25 18:58:38
Is anyone out there? In need of generosity...
Posted by SynfulSeduction on 2012-01-25 18:58:38
Is anyone out there? In need of generosity...
Posted by SynfulSeduction on 2012-01-25 18:58:38
My wife left me
Posted by Lugas on 2011-12-31 09:58:39
But in a "nice" spring day a got an unwanted phone call. A women - who has not revealed her name - told me that my wife had a lover and wanted to leave me. And - as it turned out - it was true. To the top of that it also turned out, that my wife was already pregnant from her lover. My whole world collapsed.
I loved my wife very much, I forgave her everything and asked her to remain with me. I promised her that I will accept her baby as my baby. After lengthy inner debate she decided to remain with me. A few months later her baby was born. I loved her little girl, because she was completely innocent. How could I hate her?
As time went by her baby got stronger. I hoped that things would get better. "Time heals all wounds" - as they say. But once, when I got home from work I found an absolutely empty apartment! She moved to her lover and she took my son with her! There was no word to describe my chagrin! I lost my wife, I lost my son, I lost my whole life just one day.
When I recovered myself I started to beg her to come back to me, because I was unable to process the events. A few months later my wife quarreled with her lover and to my greatest surprise she told me that she wanted to come back. I was very-very happy! I felt that I got back my life!
After she moved back with my son I started to look for a bigger apartment, because our old apartment became a bit small to our increased family. I found one which was large enough, but I had to ask for a huge loan from a bank to buy it. After we bought the new big apartment we all moved there and I thought that the dark period of my life was over. I thought that the moving and the nice new apartment will help my wife to distract her thoughts from her swirling and unstable feelings. This was a big mistake. One year later my wife left me again. She came together with her lover again and she moved to him. Fortunately she didn't take my son with her. This was the only consolation for me.
At last - three years ago - we got divorced. Since then my life is very hard. Due to all these events my financial situation is terrible. We are living from only one income. I am raising my son completely alone, no childcare, no family, no friends that can help me. It is not to easy for a men. I have to pay the high cost of the big flat and I have to pay an installment every month to the bank. I have a mortgage on my apartment. If I won't be able to pay the installment we will loose our home! My ex-wife doesn't even want to know about my awful situation although she was the one who caused the problems. I try to struggle out of this situation but I can't. I really work hard as a software developer but my salary in not enough for me to pay all our bills. I can't sell my apartment because of the economic crisis. Now my debt is much more higher than the value of my apartment.
I am not proud of my story. I admit that I was very-very naive. Maybe I should not have to stick to my wife for so long but I really very loved her. Now I am in a big trouble. If anyone could help me I would be grateful!
The angel is now in need of an angel Desperate Please help
Posted by aboutyou20 on 2011-10-03 16:58:17
⢠Be respectful, giving, loving and kind to others.
⢠Treat others as you would want to be treated.
⢠First and foremost dedication to my family and friends
⢠If you want something, you have to work for it because nothing in life is free
⢠Work hard and you can achieve anything you set your mind to
⢠If you believe in something, be passionate about it
⢠Love what you do for work â Life is too short
⢠Do not be selfish, but selfless â be there or give to others as much as you can
Resilient for many years âstruggling through a childhood of undiagnosed ADHD - low self esteem, disruptive and impulsive behaviors, poor attention, disorganization, ambivalence about making life decisions, flunking out of college my freshman yr at 18 yo (which led to me having to pay any subsequent schooling on my own), moving and attending a new school at the beginning of my 8th grade year with a scoliosis brace that had to be worn 23 hours a day, having major surgery at 14 yo and missing 3 months of my freshman yr. As an adult, moving from NJ to Ma away from my family who I was extremely close to due to a marriage that didnât work, losing my father to cancer and watching him waste away in front of me and feeling helpless. I did return to school as an adult committed to helping others and figuring out my own insecurities. Over 7 yrs (25-32 yrs old) received my bachelors degree from Rutgers University with high honors and my masters in clinical social work from Columbia University also with honors.
I know what I am capable of and I know how much I have to give to others. But at this point in my life, I also need to be honest with myself about my physical limitations.
When I was 12 yo I was diagnosed with a severe case of scoliosis and had to wear a body brace for 1 ½ yrs. Bad timing, I guess⦠I had just moved and was starting my 8th grade yr in a new school. Two yrs later (1983) I had major reconstructive surgery (14 hours, in a body cast 6 mos, couldnât ride in a car or sit for more than 15 mins a day for 3 mos) and my spine was fused from T3 to L4 â all at 14 yo! Over the years, my back problems were just âpart of my lifeâ. Now at 43 I am disabled and in need of another major surgery due to collapsed discs that are compressing the nerves in my lower back. The pain I endure is affecting my ability to sit, stand or walk to any period of time. I had to leave my last job as an outpatient therapist a couple of years ago due to my inability to commit to a schedule because of my pain. I have been taking pain pills, which I do not want to become addicted to and have worked out an arrangement with a caring chiropractor. Not to mention at work I have kids, teens and their families who depend on me to help them, some of who I donât charge because they canât afford it. So, my schedule is minimal, my bills are racking up and I continue to try to help people sometimes at my own expense (physical). I have no health insurance because I canât afford it, I live in a 800 square foot apartment that I share and I drive a 1998 Nissan Maxima that has over 200,000 miles on it! I donât have âthingsâ because I donât NEED material things. It kills me to ask for help, especially monetary. Itâs hard for me to accept help but I have no problem giving, lending or helping other people. My friends say that I give âtoo muchâ, but I feel that if I have it to give or I can do something to help someone else be happier, less stressed or more comfortable than I will. And Iâve been taken advantage of many times because of this â for example, 3 yrs ago, I lent a co-worker $5000 to assure that as a single mother she would have a dependable car for her and her 3 kids. She has not paid me anything yet. Gave another friend my car for 2 weeks to use because her car was in the shop and she couldnât afford a rental. It was definitely an inconvenience, having to walk to and from work a mile, having to way to run errands until the weekend, etc. But I did it because I knew how much it meant to her and how much it helped. I then find myself thinking ⦠who will be my angel when I need one?? And I doâ¦. Please, please help!! I donât have a choice right now. I need surgery, physical therapy/personal training in order to continue working for others. Thank you so much for any contribution you can make! God Bless!
College Loans: $60,000
Surgery: $250,000
Credit card debt $40,000 over last 8 yrs to support me at times when couldnât work
Physical Therapy $2,000
Bills 3 mos $5,000 during recovery time
Wow⦠thatâs hard to see⦠: ( Feel like Iâm on the verge of a nervous breakdown!! Please be my angel
The angel is now in need of an angel Desperate Please help
Posted by aboutyou20 on 2011-10-03 16:58:16
Be respectful, giving, loving and kind to others.
Treat others as you would want to be treated.
First and foremost dedication to my family and friends
If you want something, you have to work for it because nothing in life is free
Work hard and you can achieve anything you set your mind to
If you believe in something, be passionate about it
Love what you do for work â Life is too short
Do not be selfish, but selfless â be there or give to others as much as you can
Resilient for many years âstruggling through a childhood of undiagnosed ADHD - low self esteem, disruptive and impulsive behaviors, poor attention, disorganization, ambivalence about making life decisions, flunking out of college my freshman yr at 18 yo (which led to me having to pay any subsequent schooling on my own), moving and attending a new school at the beginning of my 8th grade year with a scoliosis brace that had to be worn 23 hours a day, having major surgery at 14 yo and missing 3 months of my freshman yr. As an adult, moving from NJ to Ma away from my family who I was extremely close to due to a marriage that didnât work, losing my father to cancer and watching him waste away in front of me and feeling helpless. I did return to school as an adult committed to helping others and figuring out my own insecurities. Over 7 yrs (25-32 yrs old) received my bachelors degree from Rutgers University with high honors and my masters in clinical social work from Columbia University also with honors.
I know what I am capable of and I know how much I have to give to others. But at this point in my life, I also need to be honest with myself about my physical limitations.
When I was 12 yo I was diagnosed with a severe case of scoliosis and had to wear a body brace for 1 ½ yrs. Bad timing, I guess⦠I had just moved and was starting my 8th grade yr in a new school. Two yrs later (1983) I had major reconstructive surgery (14 hours, in a body cast 6 mos, couldnât ride in a car or sit for more than 15 mins a day for 3 mos) and my spine was fused from T3 to L4 â all at 14 yo! Over the years, my back problems were just âpart of my lifeâ. Now at 43 I am disabled and in need of another major surgery due to collapsed discs that are compressing the nerves in my lower back. The pain I endure is affecting my ability to sit, stand or walk to any period of time. I had to leave my last job as an outpatient therapist a couple of years ago due to my inability to commit to a schedule because of my pain. I have been taking pain pills, which I do not want to become addicted to and have worked out an arrangement with a caring chiropractor. Not to mention at work I have kids, teens and their families who depend on me to help them, some of who I donât charge because they canât afford it. So, my schedule is minimal, my bills are racking up and I continue to try to help people sometimes at my own expense (physical). I have no health insurance because I canât afford it, I live in a 800 square foot apartment that I share and I drive a 1998 Nissan Maxima that has over 200,000 miles on it! I donât have âthingsâ because I donât NEED material things. It kills me to ask for help, especially monetary. Itâs hard for me to accept help but I have no problem giving, lending or helping other people. My friends say that I give âtoo muchâ, but I feel that if I have it to give or I can do something to help someone else be happier, less stressed or more comfortable than I will. And Iâve been taken advantage of many times because of this â for example, 3 yrs ago, I lent a co-worker $5000 to assure that as a single mother she would have a dependable car for her and her 3 kids. She has not paid me anything yet. Gave another friend my car for 2 weeks to use because her car was in the shop and she couldnât afford a rental. It was definitely an inconvenience, having to walk to and from work a mile, having to way to run errands until the weekend, etc. But I did it because I knew how much it meant to her and how much it helped. I then find myself thinking ⦠who will be my angel when I need one?? And I doâ¦. Please, please help!! I donât have a choice right now. I need surgery, physical therapy/personal training in order to continue working for others. Thank you so much for any contribution you can make! God Bless!
College Loans: $60,000
Surgery: $250,000
Credit card debt $40,000 over last 8 yrs to support me at times when couldnât work
Physical Therapy $2,000
Bills 3 mos $5,000 during recovery time
Wow⦠thatâs hard to see⦠: ( Feel like Iâm on the verge of a nervous breakdown!! Please be my angel
The angel is now in need of an angel Desperate Please help
Posted by aboutyou20 on 2011-10-03 16:58:11
⢠Be respectful, giving, loving and kind to others.
⢠Treat others as you would want to be treated.
⢠First and foremost dedication to my family and friends
⢠If you want something, you have to work for it because nothing in life is free
⢠Work hard and you can achieve anything you set your mind to
⢠If you believe in something, be passionate about it
⢠Love what you do for work â Life is too short
⢠Do not be selfish, but selfless â be there or give to others as much as you can
Resilient for many years âstruggling through a childhood of undiagnosed ADHD - low self esteem, disruptive and impulsive behaviors, poor attention, disorganization, ambivalence about making life decisions, flunking out of college my freshman yr at 18 yo (which led to me having to pay any subsequent schooling on my own), moving and attending a new school at the beginning of my 8th grade year with a scoliosis brace that had to be worn 23 hours a day, having major surgery at 14 yo and missing 3 months of my freshman yr. As an adult, moving from NJ to Ma away from my family who I was extremely close to due to a marriage that didnât work, losing my father to cancer and watching him waste away in front of me and feeling helpless. I did return to school as an adult committed to helping others and figuring out my own insecurities. Over 7 yrs (25-32 yrs old) received my bachelors degree from Rutgers University with high honors and my masters in clinical social work from Columbia University also with honors.
I know what I am capable of and I know how much I have to give to others. But at this point in my life, I also need to be honest with myself about my physical limitations.
When I was 12 yo I was diagnosed with a severe case of scoliosis and had to wear a body brace for 1 ½ yrs. Bad timing, I guess⦠I had just moved and was starting my 8th grade yr in a new school. Two yrs later (1983) I had major reconstructive surgery (14 hours, in a body cast 6 mos, couldnât ride in a car or sit for more than 15 mins a day for 3 mos) and my spine was fused from T3 to L4 â all at 14 yo! Over the years, my back problems were just âpart of my lifeâ. Now at 43 I am disabled and in need of another major surgery due to collapsed discs that are compressing the nerves in my lower back. The pain I endure is affecting my ability to sit, stand or walk to any period of time. I had to leave my last job as an outpatient therapist a couple of years ago due to my inability to commit to a schedule because of my pain. I have been taking pain pills, which I do not want to become addicted to and have worked out an arrangement with a caring chiropractor. Not to mention at work I have kids, teens and their families who depend on me to help them, some of who I donât charge because they canât afford it. So, my schedule is minimal, my bills are racking up and I continue to try to help people sometimes at my own expense (physical). I have no health insurance because I canât afford it, I live in a 800 square foot apartment that I share and I drive a 1998 Nissan Maxima that has over 200,000 miles on it! I donât have âthingsâ because I donât NEED material things. It kills me to ask for help, especially monetary. Itâs hard for me to accept help but I have no problem giving, lending or helping other people. My friends say that I give âtoo muchâ, but I feel that if I have it to give or I can do something to help someone else be happier, less stressed or more comfortable than I will. And Iâve been taken advantage of many times because of this â for example, 3 yrs ago, I lent a co-worker $5000 to assure that as a single mother she would have a dependable car for her and her 3 kids. She has not paid me anything yet. Gave another friend my car for 2 weeks to use because her car was in the shop and she couldnât afford a rental. It was definitely an inconvenience, having to walk to and from work a mile, having to way to run errands until the weekend, etc. But I did it because I knew how much it meant to her and how much it helped. I then find myself thinking ⦠who will be my angel when I need one?? And I doâ¦. Please, please help!! I donât have a choice right now. I need surgery, physical therapy/personal training in order to continue working for others. Thank you so much for any contribution you can make! God Bless!
College Loans: $60,000
Surgery: $250,000
Credit card debt $40,000 over last 8 yrs to support me at times when couldnât work
Physical Therapy $2,000
Bills 3 mos $5,000 during recovery time
Wow⦠thatâs hard to see⦠: ( Feel like Iâm on the verge of a nervous breakdown!! Please be my angel
Please help, We're about to be homeless
Posted by weneedanangel on 2011-09-30 01:58:12
We're about to lose our home. I recently recieved a cut off notice for our utilities and in order to keep them on it will cost $181.61 the balance due however is $188.00. This will not matter however, because I don't have the funds to make the house payment coming due on the 12th of October. I am 399.00 short on the payment. The balance we owe on our home is $6,320.00. Once the house is paid off we will be able to pay $180.00 for lot rent instead of $580.00 for lot rent and house payment.. (Of which only $200.00 goes towards the balance if not paid in full - which is .32 more payments at $580.00 a month). If we can just get our home paid off we would be okay - even with child support garnishing 54% of my pay. By law Child Support Enforcement can garnish up to 65% of a payee's pay.
Just to be up front, I do have a job. Unfortunately I only work about 30 hours a week on average at minimum wage. I am very happy for my job, but after child support garnishes $478.00 a month from my paycheck we can barely make the house payment most months. I have filed for a reduction of child support, but they refuse to use my legitmate income, instead using the income I made previously when I was in a position to help others, and did so regularly. My employer has even filed an affidavit with child support enforcement stating they cannot offer me more then 32 hours and that I make minimum wage. I am curretly looking for a second job, or another job that pays better to take the place of the job I now hold. If anyone has any IT professional positions, please let me know as I would love to come work for you, or your company. That would be the best way to help us out.
My boyfriend would love to work, but he is disabled and currently has an application in with Social Security Disability, unfortunately it takes a long time for it to come through, and by the time it does we will have already lost our home. He was disabled 2 years ago last July when he was working on a wireless tower that was 80 foot tall. It collapsed under him and he is very lucky to have survived the fall, however, when he came down he landed on his ankle and the impact caused the joint to turn around backwards and upside down. He has had surgery for this, unfortunately it is still not right. He cannot straighten out his foot to walk. Because of shortening of the tendons on the inside and front of his ankle he is not able to balance or apply weight to the ankle for more then a few moments. And even that short amount of time causes him extreme pain. He tries to help around the house by doing chores such as mowing our small patch of lawn, but even that small chore takes him over 3 days to complete. My employer does not offer medical insurance, so we are without it. It makes it impossible to go to a doctor to help him get the medical assistance needed to 1. fix his ankle completely and 2. pain management. So he perseveres and does as much as he can.
Every day I have to try to get my 1984 Volvo 240 Station Wagon running so I can get to work that day. When I try to pull out onto the highway to go to work it bogs down like it is under water. It takes crossed fingers, prayer and much clutch/gas pedal manipulation for the car to pull out... and even more to get it to the speed limit. It is very scary because there is a blind corner that people speed around regularly and I'm just waiting for the day I get hit trying to pull out. Unfortunately we don't know what is wrong with it and do not have the ability to take it to a mechanic to see if they can do a diagnostic, much less pay to have it repaired. So if anyone is willing to donate their time and possibly parts to get the car up and running safely it would be greatly appreciated. It is the only legal vehicle we have.
I am trying to do odd jobs around town as well as sell jewelry that I make online and at a little shop here in Newport. It is hard because most months no one seems to buy my jewelry and the jobs are far and few between.
What is really sad is I know come the middle of October we will be homeless, my daughter's dog, Kenji and my dog, Nikki will have to go to the animal shelter if I cannot find them homes. I know I would not be able to care for them at all if we have no home in which to live. As it stands now, I haven't been able to buy them dog food for a few months, and the Animal Shelter in Priest River does not have any spare food for them, so they eat what we eat. the good thing is they are fat and very happy and loving dogs.
If you can help at all, even if it is a little bit ($1, $5 or even $10) - if several help out a little it will add up to a lot; it would be greatly appreciated, and once we're back on our feet, of course we fully intend to pay it forward by helping others.
Thank you for your time and consideration... God Bless
If you are able to help you can donate through PayPal.
Or if you have a job to offer me (18 years experience as an IT professional )
Animal lovers
Posted by karydae on 2011-08-22 23:58:37
for her to walk and just yesterday she collapsed completely unable to use her back legs.
She requires surgery to regain the use of her legs
but obviously it is very expensive. I live from check to check and have no extra for this kind of emergency.
I have had her since she was a kitten and cant bare the thought of having to put her to sleep when there is a solution just out of reach.
Please help me.
Animal lovers
Posted by karydae on 2011-08-22 23:58:35
for her to walk and just yesterday she collapsed completely unable to use her back legs.
She requires surgery to regain the use of her legs
but obviously it is very expensive. I live from check to check and have no extra for this kind of emergency.
I have had her since she was a kitten and cant bare the thought of having to put her to sleep when there is a solution just out of reach.
Please help me.
Animal lovers
Posted by karydae on 2011-08-22 23:58:24
for her to walk and just yesterday she collapsed completely unable to use her back legs.
She requires surgery to regain the use of her legs
but obviously it is very expensive. I live from check to check and have no extra for this kind of emergency.
I have had her since she was a kitten and cant bare the thought of having to put her to sleep when there is a solution just out of reach.
Please help me.
Student loans drowning Mommy
Posted by StudentMommy on 2011-08-21 17:58:52
Never thought it would have come to this
Posted by tmedlin1 on 2011-02-03 21:58:58
Trying desperately to remove myself, two rescue dogs and 5 rescue cats, from a sadistic abuser
Posted by mhrainbowfright on 2011-01-28 14:58:58
Trying desperately to remove myself, two rescue dogs and 5 rescue cats, from a sadistic abuser
Posted by mhrainbowfright on 2011-01-28 13:58:58
would you help
Posted by invisable on 2011-01-18 16:58:58
At the time I had a 9 month old baby to take care of and my 10 year old son. My husband stayed a year after it happened and finally left because he couldn't deal with it, I haven't seen him since. We had a rocky 14 year marriage anyway, but the accident was the breaking point. My 10 year old son took on so much responsibility after the accident and my baby barely had a mommy.
I have been trying to recover financially since this all happened. I have always held on to two jobs. I was delivering newspapers at night and restocking magazines in the grocery store during the day and delivering flowers part time. I was just starting to get my life back together. I got a credit card and financed a used car. I had lost most of my teeth due to being sick a lot from the migraines I have, so I had the rest of my teeth removed because of the pain. I was starting the process of getting a new set of teeth with implants to hold them in place.
Then last year I lost two jobs within a month of each other. It's hard to find jobs with the physical restrictions I have and now, it's hard to get a prospective employer to hire me. With the way I look with no teeth, just makes it harder. As if things can't get worse my doctor told me I have liver disease from the transfusions I received in my operations on my back.
My boys are so great. The oldest went from high school right to massage therapy school so he could make a living while going to the university. He graduated from the university and now is applying to medical school. It costs so much money just trying to get in. The application fees, the airfare to the interviews. I wish I could help him. My youngest is going to a culinary high school and wants to be a musician. If there is anything positive in my life it's them and the hope that they won't be like me and they will have a better life.
I filed for disability 5 times since the accident and finally last year I qualified to receive $795 a month and food stamps. I am looking for a legitimate on line income but it's hard to distinguish the scams.
I am trying to get a concession trailer so I can have a job again and get back on my feet. I ran an ice cream truck for 11 years so I have experience in running a concession business. I figured if I can't find a job, I'll make a job. I bought an old trailer for $600 and I am slowly re-building it. I just don't have enough money to get the rest of the equipment to finish it.
I need money for getting teeth so I can eat right to keep my health, and look better to find a job. I need money to finish the trailer so I can support my family again.
Please, if you can help with anything at all, it would help so much.
Thank You
