Comfortably Tags

I am a 43 year old female. I have no children and I am not married. My story is not that of someone that most people would be sympathetic to, but I would like to be as honest as possible.

When I was 23, I graduated from medicine school, got involved with someone for 5 years then he left leaving me with nothing. I got my first loan and credit card which was my first mistake. I borrowed to pay for my mortgage and ended up having difficulty paying all my bills.

Over the years, I proceeded to act like an idiot – taking out new accounts and racking up the bills. I moved to Italy thinking a new start would be good, lived there for ten years but still could not earn enough to pay off my debts let alone live comfortably. Again, this is my fault, getting mixed up with people who took advantage of my generosity, I was left yet again with no money to support myself. My father passed away when I was 23 and my mother 10 years later, I am an only child. I have no idea what happened to all their property or money, so I’ve had to be independent and fend for myself.

I decided to return to England, but getting a job here was even more difficult than in Italy. No one wants to employ you if you are over 35yrs, I’ve been struggling for the last two years, sometimes going without eating for 5 days living on tea. I have sold just about everything I own. I was hoping to make a dent in the bills I had mounting, which had gotten out of hand. I was falling behind and couldn’t make all the payments. Selling off all the stuff I bought seemed like a good start, but the bills keep coming.

I am asking for some help with these bills and rent so I can get my head above water. I have not taken out any loans and cancelled all my cards, I’m in so much debt that I will be evicted from my flat if I don’t come up with the rent by Monday.

I would humbly accept any help that someone is willing to offer me. I really want to live debt free for the first time since I left my parents home. I made a promise to myself that enough was enough, no more borrowing and if I got enough money to get me out of my black hole, I would help someone else who needs help just like me.

I am a 43 year old female. I have no children and I am not married. My story is not that of someone that most people would be sympathetic to, but I would like to be as honest as possible.
When I was 23, I graduated from university, I studied medicine, got involved with someone for 5 years then he left leaving me with nothing. I got my first loan and credit card which was my first mistake. I borrowed to pay for my mortgage and ended up having difficulty paying all my bills.
Over the years, I proceeded to act like an idiot – taking out new accounts and racking up the bills. I moved to Italy thinking a new start would be good, lived there for ten years but still could not earn enough to pay off my debts let alone live comfortably. Again, this is my fault, getting mixed up with people who took advantage of my generosity, I was left yet again with no money to support myself. My father passed away when I was 23 and my mother 10 years later, I am an only child. I have no idea what happened to all their property or money, so I’ve had to be independent and fend for myself.
I decided to return to England, but getting a job here was even more difficult than in Italy. No one wants to employ you if you are over 35yrs, I’ve been struggling for the last two years, sometimes going without eating for 5 days living on tea. I have sold just about everything I own. I was hoping to make a dent in the bills I had mounting, which had gotten out of hand. I was falling behind and couldn’t make all the payments. Selling off all the stuff I bought seemed like a good start, but the bills keep coming.
I am asking for some help with these bills and rent so I can get my head above water. I have not taken out any loans and cancelled all my cards, I’m in so much debt that I will be evicted from my flat if I don’t come up with the rent by Monday.
I would humbly accept any help that someone is willing to offer me. I really want to live debt free for the first time since I left my parents home. I made a promise to myself that enough was enough, no more borrowing and if I got enough money to get me out of my black hole, I would help someone else who needs help just like me.

I am a just a young girl who has met with a huge crisis ,i had a very good job working overseas making enough money to live comfortably and pay my £13000 worth of debt ,2 months ago i lost my job in not te nicest way and have had to return home to lodge with family ,i have applied for hundreds of jobs from cleaning to roles similiar of the job i just lost ,i have only recieved 1 interview and was advised i wanted suited to the post.i am recieving only job seekers of £60 per week and cannot pay my debt ,i am now in bigger trouble as have taken out payday loans to try and survive i am juggling debts daily and simply cannot reach an agreement with these payday loan lenders - i have 6 now!i recieve threatening phone calls and letters every day and i am so worried about these peole coming to my family home and frightening my elderly relitives,i now dont know where to go or what to do,i borrowed some money of a friend who needs this back in 2 weeks for a holiday she needs to pay ,i simply do not have it or have the means to get it,i cry every day and havnt slept for weeks.please help me get out of this mess.

http://www.backcountry.com/hammock-bliss-single-hammock?avad=1292_c27de5fd

Thank you for taking the time to read this.

I am currently homeless in Colorado Springs. Its sad to say, but I am one of many. With the tough economy more people are ending up in my position.

Even though I don't see a "home" any time in my immediate future, I do long for the day I can get off of the cold, often wet, ground.

For less than $60, I can sleep comfortably and safely.

Thank you for your consideration.

I've not been the best when it comes to finance though I rarely buy anything extravagant, I don't entirely understand it. I've just made lots of bad decisions and I'd love a chance to start afresh without letting my parents know how much debt I've racked up as I know they will never trust me again if they do and we already don't have the best relationship.
My main dilemma started about 2 years ago when I was in my last semester in college and I did not pay for my tuition that semester. I have not received my degree as a result and charges have been added to what I owed since then and finally my University sent the debt to the state's revenue department for collection and they've added their own fees. Things have really come to a head now because I am actually an international student and after spending the past couple years in mostly unpaid internships because I have no certificate to show employers and being unable to work other jobs that do not require a degree because it's illegal with my status, my visa has expired and I have to leave the country in a couple weeks and I don't have the degree I came to the US to get.
With the little payments I've been able to make subtracted, I now owe $11633. I know that that is a great deal of money especially as I've racked up other debts that takes the money I'll need to truly get out of all trouble to about $15000. But I really have nothing at all right now and any amount of money at all will help, $5, $100, anything.
And though I know paying back $15000 will take years for me to do if anyone has that to spare, I would want to do that for my own peace of mind. But it's obvious that anyone willing to lend me that with no security and just my intention to finally get out of this rut, get a good job and pay back over a period that will hopefully not exceed 5 years will probably be someone who can comfortably give away that amount but respects my need to eventually pay it all back through paypal probably from another part of the world.
I know I am completely to blame for all the stress in my life today and this is no sob story but my problems are very real and you will be bringing great relief to someone in trouble who has not been able to think about anything else for a long time. Thank you.

I've not been the best when it comes to finance though I rarely buy anything extravagant, I don't entirely understand it. I've just made lots of bad decisions and I'd love a chance to start afresh without letting my parents know how much debt I've racked up as I know they will never trust me again if they do and we already don't have the best relationship.
My main dilemma started about 2 years ago when I was in my last semester in college and I did not pay for my tuition that semester. I have not received my degree as a result and charges have been added to what I owed since then and finally my University sent the debt to the state's revenue department for collection and they've added their own fees. Things have really come to a head now because I am actually an international student and after spending the past couple years in mostly unpaid internships because I have no certificate to show employers and being unable to work other jobs that do not require a degree because it's illegal with my status, my visa has expired and I have to leave the country in a couple weeks and I don't have the degree I came to the US to get.
With the little payments I've been able to make subtracted, I now owe $11633. I know that that is a great deal of money especially as I've racked up other debts that takes the money I'll need to truly get out of all trouble to about $15000. But I really have nothing at all right now and any amount of money at all will help, $5, $100, anything.
And though I know paying back $15000 will take years for me to do if anyone has that to spare, I would want to do that for my own peace of mind. But it's obvious that anyone willing to lend me that with no security and just my intention to finally get out of this rut, get a good job and pay back over a period that will hopefully not exceed 5 years will probably be someone who can comfortably give away that amount but respects my need to eventually pay it all back through paypal probably from another part of the world.
I know I am completely to blame for all the stress in my life today and this is no sob story but my problems are very real and you will be bringing great relief to someone in trouble who has not been able to think about anything else for a long time. Thank you.

I've not been the best when it comes to finance though I rarely buy anything extravagant, I don't entirely understand it. I've just made lots of bad decisions and I'd love a chance to start afresh without letting my parents know how much debt I've racked up as I know they will never trust me again if they do and we already don't have the best relationship.
My main dilemma started about 2 years ago when I was in my last semester in college and I did not pay for my tuition that semester. I have not received my degree as a result and charges have been added to what I owed since then and finally my University sent the debt to the state's revenue department for collection and they've added their own fees. Things have really come to a head now because I am actually an international student and after spending the past couple years in mostly unpaid internships because I have no certificate to show employers and being unable to work other jobs that do not require a degree because it's illegal with my status, my visa has expired and I have to leave the country in a couple weeks and I don't have the degree I came to the US to get.
With the little payments I've been able to make subtracted, I now owe $11633. I know that that is a great deal of money especially as I've racked up other debts that takes the money I'll need to truly get out of all trouble to about $15000. But I really have nothing at all right now and any amount of money at all will help, $5, $100, anything.
And though I know paying back $15000 will take years for me to do if anyone has that to spare, I would want to do that for my own peace of mind. But it's obvious that anyone willing to lend me that with no security and just my intention to finally get out of this rut, get a good job and pay back over a period that will hopefully not exceed 5 years will probably be someone who can comfortably give away that amount but respects my need to eventually pay it all back through paypal probably from another part of the world.
I know I am completely to blame for all the stress in my life today and this is no sob story but my problems are very real and you will be bringing great relief to someone in trouble who has not been able to think about anything else for a long time. Thank you.

I've not been the best when it comes to finance though I rarely buy anything extravagant, I don't entirely understand it. I've just made lots of bad decisions and I'd love a chance to start afresh without letting my parents know how much debt I've racked up as I know they will never trust me again if they do and we already don't have the best relationship.
My main dilemma started about 2 years ago when I was in my last semester in college and I did not pay for my tuition that semester. I have not received my degree as a result and charges have been added to what I owed since then and finally my University sent the debt to the state's revenue department for collection and they've added their own fees. Things have really come to a head now because I am actually an international student and after spending the past couple years in mostly unpaid internships because I have no certificate to show employers and being unable to work other jobs that do not require a degree because it's illegal with my status, my visa has expired and I have to leave the country in a couple weeks and I don't have the degree I came to the US to get.
With the little payments I've been able to make subtracted, I now owe $11633. I know that that is a great deal of money especially as I've racked up other debts that takes the money I'll need to truly get out of all trouble to about $15000. But I really have nothing at all right now and any amount of money at all will help, $5, $100, anything.
And though I know paying back $15000 will take years for me to do if anyone has that to spare, I would want to do that for my own peace of mind. But it's obvious that anyone willing to lend me that with no security and just my intention to finally get out of this rut, get a good job and pay back over a period that will hopefully not exceed 5 years will probably be someone who can comfortably give away that amount but respects my need to eventually pay it all back through paypal probably from another part of the world.
I know I am completely to blame for all the stress in my life today and this is no sob story but my problems are very real and you will be bringing great relief to someone in trouble who has not been able to think about anything else for a long time. Thank you.

Please help a struggling student trying to take control of student loans and be in control of life once again. We all want the American dream of owning a home with a white picket fence in the suburbs, while raising a family comfortably. We are told throughout high school and in almost every aspect of society (i.e. television commercials and bill boards) that the only way to achieve this dream is to go to school and earn a degree. Well long story short, while trying to grab my piece of apple pie I acquired an enormous mountain of debt (to the tune of 34K). I was also forced to leave the college that I was attending after just one year because tuition became just too expensive! This debt has followed me like a dark cloud and has become a burden to my young life. Even though the thought of having such a large amount of debt at such a young age is stressful I have continued to keep trying. I have not let it stop me, but it has tremendously slowed my pace to achieve my dream. I’m currently enrolled in junior college but due to the fact I am solely dependent on financial aid my journey is a rough one. I have tried to pay on these loans but with little to no experience my job pool is more like a puddle. The money that I made was just not enough and I feel that I’m in deep trouble. So if you’re reading this please find it in your heart to help a student in need of a fighting chance against my battle with student loans. I’m not asking for much anything will help me win this fight.
Thank you-
Struggling Student


Email
https://www.paypal.com/cgi-bin/webscr?cmd=_donations&business=XHNV9PRQDC7KY&lc=US&item_name=Student¤cy_code=USD&bn=PP%2dDonationsBF%3abtn_donateCC_LG%2egif%3aNonHosted

The idea has been brewing for decades. I am not alone. My generation does not have the retirement expected and enjoyed by our parents, despite having been educated and hardworking since our teens. Tried to save, careful with earnings, and at 50, little to show for it. The rat race has run it's course. The urban mayhem is tiresome, and we deserve to retire, relax, and enjoy life before we are too old to do so.
As it stands, I like many others are looking at working our whole lives, and I mean our WHOLE lives. It is wrong.
At my current age, both my parents took early retirement , and have been enjoying theor lives comfortably already for decades. This dream is completely out of reach for myself, and most amongst my generation.
Working our whole lives, full time is wrong on many levels. One being that we are only making others rich, as we toil, grow ill, and spend our days in traffic and cubicles, struggling, for what? As long as we are chasing the paycheck, there is no freedom, and no hope for living before we croak.
A commune does not have to be dozens of dirty hippies. I see small communities. Even half a dozen people, or couples in one large home. This home can consist of a shared building with kitchen and living space, and other out buildings containing bedrooms,bathrooms private entrances and porch space. So you have a place with community and privacy as you choose.
Once I had a roomate situation that was much like this. A large house, S shaped. bedrooms were at opposite ends, and I went weeks sometimes without even running into roommates. In the center was the main kitchen and a living room space where we occasionally got together in. Roommates each had their own entrance, bedroom, bathroom, and living room space. There was a common courtyard area, as well as a private outdoor area for every bedroom. We comfortably had 8 people,, sharing rent and utilities. This made the cost of living extremely low , and we each survived happily only working part time.
There was a community garden, those who participated in its upkeep could just help themselves to its bounty, but there was plenty to share and even those without the time to work in it would benefit.
Everyone was responsible for their own food needs, transportation, and their portion of rent and utilities. It was no problem, and we lived this way for a full decade, and could have indefinitely if the house was not sold. I did try unsuccessfully to buy it.

So, I am asking for assistance making such a thing possible again, but this time by owning, not renting, so as not to lose it!

The place does not have to be glamourous, just roomy, on the outskirts of town, and hoping this time for a pool. And I wish to share it with others in the same manner so to afford others like myself to retire, or at least semi-retire, comfortably. The beauty in this is also that you are not alone, not isolated, and yet not crammed in where you have no privacy. There is someone there if the car breaks down, or if your heart gives out!

I think this is a great model for my generation who has worked hard and deserves the retirement that has been stolen from them. We do not want to burden our children.

I see this model serving first in this respect for those of us contemplating the impossibility of retirement, but also I believe it can serve as a model for a new way to live for all. Share. Pool resources. Grow food. We can enjoy all the modern conveniences, and get off the grid too, gradually.

When like minded people come together and cooperate with the same goals in mind, it can happen.

Need the home, need the land. The rest is easy.

Please consider the simplicity, and common sense in my plea, and help me make this possible for myself, and others. It will serve as an example to our children and future generations. Please.

And thank you for reading this far, I know this was long!

Every cent I receive from this post and others I will put toward this plan which I hope to get off the ground ASAP.

- Jane

I am in desperate need of help. I am now a single mom of 3 lovely girls – 12, 8 and 9 months. I am finally at the end of a very nasty divorce. I have a full-time job and go to school for nursing in the evening and on weekends. I’m trying to do this so I can spend more time with my girls and we can live comfortably again. The lawyer fees have pretty much ate up all my savings. I am now covered to my neck in outstanding bills and don’t know what to do. To save money, I have cut off a lot of luxuries like cable, cell phones and internet.

I know it’s a lot to ask but I need about $5,000 to $6,000 to get out of this mess I’m in and to be able to stay in school. I’m in the process of fighting an eviction. I have to have $1,000 to the apt. complex by Aug.5th or they are going to put us out!! My car was taken back Friday and I don’t even have the money to get my girls the supplies or clothes they need for school. Let alone, keep pampers on my baby and milk the fridge.

If you could help, I would really appreciate it. Thank you so much for taking the time to read.

I'm a 24-year-old 6th grade teacher in Massachusetts. I've almost completed my Master's degree (which is required within your first 5 years of teaching) and I received my Bachelor's degree in January of 2010. I was lucky enough to get a teaching job but underestimated how little teachers actually make! I love my job and think teaching is one of the most rewarding jobs there is, but I don't have enough money to live on my own.

I still live with my parents and have 80,000 in student loans, from my Bachelor's and Master's degrees. My parents struggle to make ends meet (they always have) and I'm so scared that I'm heading down the same path as them. I just want to be able to live comfortably and start my life. At this rate I won't be able to live on my own, get married or have kids for a very long time.

Any help anyone can give is greatly appreciated. I stress so much about my financial situation. I'm not an irresponsible young person racking up credit card debt, these debts were unavoidable as I pursued my education (without my parents financial assistance).

Please help. If I had the money, I'd help everyone on here!

I'm a 24-year-old 6th grade teacher in Massachusetts. I've almost completed my Master's degree (which is required within your first 5 years of teaching) and I received my Bachelor's degree in January of 2010. I was lucky enough to get a teaching job but underestimated how little teachers actually make! I love my job and think teaching is one of the most rewarding jobs there is, but I don't have enough money to live on my own.

I still live with my parents and have 80,000 in student loans, from my Bachelor's and Master's degrees. My parents struggle to make ends meet (they always have) and I'm so scared that I'm heading down the same path as them. I just want to be able to live comfortably and start my life. At this rate I won't be able to live on my own, get married or have kids for a very long time.

Any help anyone can give is greatly appreciated. I stress so much about my financial situation. I'm not an irresponsible young person racking up credit card debt, these debts were unavoidable as I pursued my education (without my parents financial assistance).

Please help. If I had the money, I'd help everyone on here!

I have been in the need for money for a long time now. I have looked and looked for ways to get help, various odds and end jobs, the works, but now I have to resort to the pity and kindness of others to hopefully gain some of the ground that I have had swept out from under me. I am a father with a toddler and a fiancé, and all the medical bills that followed her because she suffers from Crohn’s Disease. (The Story of my wreck…) My fiancé and I lived in North Carolina for two years, life was decent and there was nothing wrong but we just couldn’t get enough money saved up to get married like we wanted. We were OK with that until God blessed us with our first child, we knew life would take more scarifies, and I began looking for better work. Then my prayers were answered with a fantastic job out west, but we had to come to terms with the fact that I would not be able to take my family with me…
I would have to take the job out west, go there, save enough money to move them after I found a house and gotten settled in… Well, all was well for the first month, I just about had enough to finally bring my family with me and live comfortably for the amount of time it would take for my fiancé to find work herself. Then the worst trial I have ever faced hit me… My wonderful management level job outsourced to India, leaving me with a meager severance (enough to cover my bills and help my Fiancé) So now I’m stuck in Washington paying for two rents, a car (I take the public transportations), and all the overflow finances my fiancé cannot cover on her smaller salary. I began to wonder how it could not get any worse, and I was shown how much worse it really could get. My Fiancé was stricken with a terrible Crohn’s flare that put her out of work and in the hospital for two months… They had to give up the house, move in with my parents, and all the while, I am 3000 miles away picking up lousy manual and clerical work to make ends meet as best I can.
I’ve run over my finances over and over again. Now I’m not homeless, nor are my fiancé and son, but I cannot get them here without some extra help. After looking over all I owe and all that I would need to make life livable for them is just around $10,000. Roughly $2000 to ship the rest of our belongings out here to the home I’m currently renting, more or less $4000 to keep the medical bills from going to collections, $1245 to cover the cost of breaking our lease(The house my fiancé was living in) $1200 to make the car payment current(Insurance included), and $1500 to give us some safety room for her recovery until she is able to work again. I am not looking for large amounts of money from people; I just would like to get the sympathy of as many people as I can so that I can see them again… With your help to get me to my goal I can finally pick up the pieces and make my family whole again…

With all of the world's turmoil and an unstable economy here in the U.S. I want to move my elderly mother back overseas to her hometown in Italy. As a part of that I would like to take myself, my husband, and my daughter with her, but the process of gaining citizenship is a long one as most expats know. During that time I would like to have enough money to live comfortably while looking for a new job and supporting her as she no longer works. Anyone who has simply traveled overseas knows how complicated and expensive it is. Moving ourselves there would be exponentially more expensive. If given the chance we would eventually settle and begin to pay back whatever we could if someone were to loan us a substantial amount of money. Otherwise any amount would be helpful in helping make this a reality for my family.

I am 39 years old. I have 3 beautiful children 17 years old, 12 years old and a just turned 1 year old. I just separated from my ex husband 4 years ago after 14 hard years of abuse. It has been very difficult trying to climb back up after the disaster. Everything from my marriage was in my name because I was the only one who ever took care of stuff, so when my husband decided he didn't want to work or pay bills, I got stuck with all the repossessions and bad credit (his boat, his truck, the house). So that left me with the kids, bad credit, no child support, and a job with unsteady hours.
What really stunk, is I thought I had friends and family that would be there for me in my time of need, but when I needed help for the first time in my life, everyone disappeared.
I spent my whole life helping and doing for others. I was the person everyone depended on. I was the person everone could rely on. I was always the first person to help a fellow man. I would give anyone my last dollar. I worked for Hospice, Homecare, and Mortuary Transport... I did the jobs no one wanted to do. I took in about everyone in my family at one time or another (mom, brother, cousin, and some friends too). I took care of them like they were my children. Even though I was on a very limited income, I took in my grandpa and cared for him 24 hours a day for 4 years to keep him out of a nursing home. I barely made over minimum wage, and his children made ALOT of money, yet I am the only one who stepped up to the plate. I took in a coworker 20 years older than me and nursed him back to health. I always would help a strnger in need, once I found a little old lady in the Publix bathroom that had pooped her pants and had it all over the walls and herself. Everyone ignored her, but I decided to jump in and help clean her up and get her to her car so not to get embarrassed. My best friend is 40 years old with terminal cancer and 7 kids and a downs syndrome brother in law she cares for. Sadly enough, she is the only one who has been here for me emotionally. I have been trying to help her the best I could until recently things have got so bad for me, I can not be there for her. I cant help any one if I can't help myself. I could tell you too many stories, but there is not enough space here to fit them all. The point is, I had never asked for help. I was always self sufficient, I always fended for myself. I always said, I would never ask for help unless it was absolutely dire, and I lived comfortably knowing that with all I had done for others, that if I ever needed for anything, they would flock to my side.
Well, when my separation happened, and now that everything has gone downhill, not one person has stepped up to the plate friends nor family. I went without heat for my children and newborn baby this last year. There have been days that I had no food for them. They have had to go without many necessities. I have been in constant fear of loosing electric, water, or a place to live. I have a broken down vehicle. I have done my best to keep things afloat, but now I feel like I am on a sinking ship and no one wants to throw me a life preserver, even though I am the one who handed them out! I need only to get back on dry land so I can move forward and be self sufficient again. What I need is to catch up on rent and utilities, fix my vehicle, tag and register my vehicle. These are my necessities to keep surviving. Once I get out of this hole, I know I can keep myself afloat. I am also worried about Christmas, but I am sure keeping a roof above our heads is the most important thing, and I believe my children know this. Feel free to contact me at jclark398@cfl.rr.com with any questions or further info. Thank you.