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Help with credit card and loan payment

Posted by richard65 on 2012-05-15 01:58:31

This situation has become a nightmare! I am 65 retired and slightly disabled due to a auto accident over a year ago. I have a hard time walking and this has me house bound most of the time. My wife is recovering from a stroke and taking care of her needs is a full time job. We barely exist on a meager social security income and several months ago I was forced to take out a payday loan just to keep the lights on. We maxed out our small credit card just to buy food and gas for our car and now every month we pay off the loan plus finance charges and then we have to take the loan out again the next day or else we cant pay our bills and buy food. With the credit card used up we have no where to turn for help. I know there are many who need help more than us, but if some kind person could lend a helping hand we will be able to pass the favor on to someone else in turn.

I'm a Little Short on Cash

Posted by TheFuzzyTomcat on 2012-05-01 17:58:51

I honestly don't know how to say this. I mean, I know my situation is unusual, even bizarre.

Let's start simply. I'm a young real estate agent. I suck at it, so I work part time at two places in the mall. It's hard to keep it all under control, but I manage. I'd rather work six days a week than have a roommate. Really, though, I would get a roommate to ease up a little more money before I'd even consider begging, but fate has conspired against me. I now have two roommates who can't pay - my dwarf parents.

Yes, yes, I know. My father and my mother are little people. I'm a normie, though. My dad lost his job at Intel as a system administrator and so has accumulated a lot of debt. You could say he's up to his eye-balls, but that would be hardly sufficient. He wanted to postpone boarding in my house for as long as possible, but this is, it seems, how it has to be.

So, I'm majorly strapped for cash constantly, because I've become responsible for two other people. They need rides, and they need food, and it's costing me a lot on utilities. I've been dipping into my meager savings for the past two months. I've been doing nothing but work, and I just need a break. I want to sit down and drink a good cup of coffee with a girl, or read a book, you know? I don't want to just slowly keep dying, I want to live.

We all want to live, and so I'm asking you share just a little, just enough for a little extra strength of spirit against a cold, crazy world. Every cent is appreciated. =D

Victim of Rick Perry

Posted by wittynamehere99 on 2012-04-26 18:58:34

I was one of the few employees laid off in a state that somehow survived the recession largely intact, but my position didn't thanks to a governor who rejected parts of the stimulus package. After a struggle for searching for work at home, I set out, with the meager earnings I was able to produce through freelance writing, at a whopping two cents a word, camping along the way, to apply to every open position I could find across this country. 23 months later, I'm still searching. I'm not bilingual, and I don't have a degree. What I do have is experience, an amazing way to deal with people face to face and a ridiculous work ethic, but apparently those aren't the traits looked for in this job market, merely the person who was committed enough to spend four years on a campus.

The math, well, that and the awesome algorithms behind gmail tell me I've applied to 3,150 jobs in over a dozen states. Maybe a hundred interviews from the whole lot. And according to the IRS paperwork I sent in recently, my income last year was a far cry from the most recent classification of the poverty line.

Anything helps, and would be forever appreciated.

One of these days an application will lead to an interview which will lead to an offer, but until then, what? All I can do is keep plugging away. Sleeping in my car when I can't afford a cheap motel room. Waking up to an aggravated foot and hip thanks to my injuries in a life I feel so far removed from it doesn't even feel like it was real anymore.

And I guess, come across this site from the random google search of a desperate person, trying to find some help in a world that seems to have rejected her.

The more I write, the more I keep hearing that little voice on my head saying "Quit your bitching, there are those who have it far worse.", so I'll stop now. Again, any type of help is beyond appreciated. Thank you for reading this far.

Completly Stuck

Posted by MREMBO on 2012-04-11 01:58:36

I greet you all great people. I am a 28 year old woman from Kenya. Currently, I am experiencing financial difficulties, my husband is unemployed and i have to support my family as well as his family. My younger sister relies on me to pay her university fees. I earn a meager salary that barely supports me for two weeks before i turn to seeking help. Mine is a one time request to anyone willing to help me overcome this temporal situation. I believe against all odds that my husband will get a job to supplement my income.

Kindly hear my pleas.
Best regards.

RENT DUE & LIGHTS DUE - NEED $1200

Posted by PigsNotFlying on 2012-03-29 15:58:36

Hello, I'm a married mother of 4. My husband recently moved out of state for work and will not be paid for 3 weeks (meager wages of $9 per hour)! Either way, I'm self-employed and usually have hours to work but for the past month I have had none. My rent is $1890 I have only $900 and my light bill is $154. Community Action Agency I was referred to by HUD does not have funds to assist with rental assistance at this time. It must be paid by the 3rd no later than 5pm ET.

had to sell my laptop to pay rent

Posted by ryanmaine on 2012-02-09 08:58:07

Alright, this stories probably all over this site. Not surprisingly as, from experience, I can say its easy to pick a place to live over a computer when the chips are down. My wife and I moved back to Maine after failing to find work on the drastically overhyped southern job market. I had a seasonal job at best buy but was recently laid off. Long story short, rent had to be paid. A laptop is necessary for me for a lot of reasons. It provides access to the internet, a crucial tool for job hunting. It serves as a word processor for working on writing (I write short stories and comic books) and it also serves as a home recording interface for my meager bedroom musical endeavors. I realize these are all things that could easily be considered trivial or easily remedied, I know what a library is for instance, but I'm still hoping that someone out there might feel like taking a shot in the dark on a stranger in need. I can be reached at ryanbrunswick@hotmail.com, unfortunatly there's a typo in my accounts email and I can't seem to change it.

dont know where to turn

Posted by jacko on 2012-02-03 16:58:49

i am a lady M.S. sufferer,had to give up my job which i absolutly loved, approx 4yrs ago due to my condition deteriating.I am now completly wheelchair bound and housebound.I try so hard to stay positive but sometimes i just cant.at the moment i am struggling to save up which is so hard from my meager benefits{which believe me i am so gratful for}as i desperatly need a replacement wheelchair,The one i use at present is totally worn out,tyres bald ,cushion ripped,etcetc.i am so ashamed of it.it was secondhand when i got it and ive looked after it as best i could.i would be eternally gratful for any donation no matter how small.thank you so very much x

I need help with bill and rent

Posted by needhelp_in_LA on 2011-12-15 18:58:25

Hello

Whether I will get donate or not I have decide to try to beg on generosity of people. My story will be similar to many people in now days. It will be bit long but please bear with me.

I have lost my job Feb, 2009. I have seen it coming because the store I was working was losing customers because many of our customers lost their job during the start of recession in 2009. I have looked jobs everywhere I can think of, online, offline, through people whom I know and some I barely know. All I heard was most businesses are having difficulty so it will be hard to get a job any time soon but keep trying. While I was receiving unemployment we, I and my daughter (17), were able to pay rent and bill(only phone/internet, electricity) with help of friends and family but I have exhausted my benefit last year. It was hard but I was able to get odd jobs, temp jobs and my meager saving to pay rent and bills but now my savings are gone and I still don't have job.

Fortunately my brother decide to move with us to help with rent but it didn't work out because he and his wife are having problems. She thought that they need to think of their need first and I do understand her position and I want to get my own place or even rent a room for myself and my daughter. During last 4 month they were staying at my place, rent was taken care of with them paying majority of rent and I paid whatever I could(I get $300a month for child support)but they raised electricity up so high now it is 517.00 I thought they will pay but they decide to move after X-mas which left to me pay all that and rent for next month. There is no way I be able to pay even potion of bill, let alone rent for next month.

I know money is tight for everyone but if any generous soul sees this, I hope they will help me to move out of this place to single or rent a room for my daughter and me. I have checked out price for room or single and it is around 400-600 and deposit for 200-300. I believe I can get extension to postpone the electric bills to the end of this month, Hopely I would move out here and make arrangement to pay that bill later.

Thank you for reading this long post. If you could help me it will be x-mas gifts for us, since we are not having x-mas.

Need Holiday Help Please

Posted by WorkingMom524 on 2011-11-14 21:58:20

My family is in need of financial help this holiday season. My husband was recently laid off from work and my part-time job and our meager savings is not enough to cover our living expenses and afford to give our kids a Christmas celebration. We are just making it by as it is, we cannot afford any extra for Christmas expenses.

I do not want my 6 year old son and 8 year old daughter to be left out of the festivities this year and have no joyous memories to share with their friends after winter break. We understand the spirit of Christmas is not monetary, but our kids will still be disappointed when there is no tree, stockings, gifts, or treats this year.

Please help my kids experience a wonderful Christmas this year by donating anything you can spare.

Your goodness and assistance are much appreciated by all of us.

Thank you!

need help to finish school

Posted by Cosmogirl on 2011-10-22 21:58:03

Hi. I'm 30 years old and the mother of two small boys. I was laid off last year after I found out I was pregnant and decided it best for my family to use our tax return and finish beauty school. We have been surviving off my husbands meager pay but now with 2 1/2 weeks to finish I need help.
I have to pay $53 for my cosmetology license and another $105 to take the test. If I can't come up with this money all of my hard work will be for nothing. Please help me provide a better life for my family by helping me pay for my license.

Struggling Grandma of 3 young boys: Victims of multiple back-to-back tragedies

Posted by strugglinggrandmaof3boys on 2011-09-25 13:58:21

My name is Missy. I am a 49 year old struggling grandmother of 3 sweet, beautiful boys, ages 5, 7 and 8. I am trying desperately to save and protect my grandsons and ensure their futures. I would not ask help if it were only for me. I am asking for help for them, so that my 3 innocent little grandsons will be safe, secure and have a chance in life. As things stand right now, we will be homeless within the next 2 weeks.
My greatest fear is that when (not if) I do become homeless, which isn’t that far off, the state will take my grandsons because we have no place to live, split them up and put them in foster homes. That thought scares the hell out of me. I am all those sweet little boys have. And if they lose each other too, after losing everyone and everything else that they known and loved, I fear their lives will be ruined at the tender ages of 5, 7 and 8.
I suffer from PTSD, COPD and fibromyalgia and each day I struggle with mental distress and physical pain. We live near the New Orleans Metro Area in Jefferson Parish, Louisiana. We were displaced for a year after Hurricane Katrina, came back, bought a mobile home in Lafitte, Louisiana and tried to rebuild our lives. In 2008, when Hurricanes Gustav and Ike hit us back to back, our home was flooded with more than 4 feet of water; unreachable, except by boat for over 2 weeks.
At that time, my mother, age 75, had been experiencing the beginning stages of Alzheimer’s as well as a series of strokes which affected the memory and impulse control centers of her brain due to a vascular disease which severely decreased the flow of blood to those areas of her brain. During these TIA’s and small strokes/seizures, she behaved erratically and during larger ones she could become paranoid and psychotic. She had to be hospitalized for several of the more severe episodes, as she was becoming a danger to herself and others. The effects of these episodes lingered for days, sometimes weeks. Afterwards, she had no memory of anything that happened during that time period.
After the storms, we moved in with my mother to help her and because we did, FEMA stopped helping us. And since we could not afford to rebuild again without FEMA’s help, we lost our home. The recent BP oil spill was just another deep blow to our already struggling local economy.
Mom required 24/7/365 assistance and supervision, which she could not afford. She was eventually diagnosed with vascular disease of the brain and Alzheimer’s. Due to the region of her brain that was affected her disease went unnoticed for several years, until she had a large enough stroke to prompt her to seek medical attention. This diagnosis explained her erratic behavior of the past several years, I have since been homebound, unable to leave mom untended for any length of time and unable to work outside the home due to my mother’s need for the past 3 years.
My mother passed away this past April at the age of 79. She had suffered from Alzheimer's and vascular dementia, suffering several major and minor strokes and seizures over the past 6+ years. On April 9th she suffered a massive stroke, lingering for 9 days before passing on the 18th. God rest her soul, I miss her. I loved my mom very much and did everything I could to help her.
To add to the difficulties already faced by our loss, my youngest daughter, who had been living in Ohio with what turned out to be a conman/ junkie twice her age that saw a vulnerable young woman with 3 children and took advantage of that fact, had been physically, verbally and emotionally abusive to all of them for the past 1½ years. 2 weeks before Mom passed, she got in major legal trouble in Ohio and sent my 3 young grandsons to me to raise.
Now, things have turned for the worst... On August 17th we discovered that my eldest daughter took my mother to an attorney and had her write a will leaving everything my mother had to her and excluding me! This abominable act was done 1 month after Hurricane Katrina when ALL of us were distraught and displaced from the storm! My mom was not in her right mind at that time, even though a full diagnosis had not yet been made on her true condition.... Also, in Louisiana, the bar for mental competency is set so low that so long as you are not actively drooling and babbling in front of the judge/attorney/witnesses you are considered competent!! It doesn’t matter if you won’t remember doing it five minutes later either. My mother, in her right mind, would NEVER have disinherited me.
Now, my greedy, self-serving, ungrateful eldest child decided that she will evict us so she can try to sell my mother's home, in which I and my grandsons, her nephews still live, so she can pay off mom's debt, which she exaggerates, and her student loans. She is fully aware of our circumstances, she just doesn’t care. The only transportation I have for my grandsons is the truck my mom gave me before her death, but did not have the money to transfer title on. It is now part of mom’s estate and she took that too.
I called the Clerk in division where probate/ succession on my mom were filed... Clerk said that I need an attorney to file contest to the will, herein lies the problem... there is not 1 single legal aid agency in the ENTIRE New Orleans Metro area that can handle a contested will!! There are also no private attorneys that will handle it either, unless there's big money in it for them, which in this case there is not.
Clerk also said she has no idea why I was never notified. Judge signed off regardless. There seems to be no justice for the poor in this country... since we can't afford to pay the exorbitant fees of a private attorney, which seems to be a necessity to get anything done in the courts. I have tried appealing to my daughter’s sense of decency, but she doesn’t seem to have one. Her actions are despicable and deplorable. I am ashamed to be her mother. It breaks my heart and sickens me to know that I brought such a hateful, selfish, greedy, heartless person into this world. I did not raise her to be that way.
I've called every single legal aid agency in my area; including the Bar Assoc. Lawyer referral service... no one will help because there just isn't any money in it for them... sad state this country is in when the poor cannot get justice anywhere.
We were told by the eviction court judge on Sept 12th, that we have 24 hours to vacate our home... stating that our situation is a matter for probate court. Thankfully, we found a place, however, we still need about $800.00 more to pay the $420.00 we still owe our new landlord to avoid eviction from this new place by the 5th of October plus $365.00 to the light company which will be past due (cut off)on the 7th and includes a new deposit and transfer fee.

I've also called churches and other charitable organizations for help... there are so many families in need in the New Orleans metro area that any help is minimal. ALL homeless shelters are full up with waiting lists so long they are no longer taking applications for assistance.
I have applied for Section 8 housing, but there is a HUGE waiting list. The HUD Section 8 waiting list in Louisiana is backlogged 5+ years and has more than 20,000 applicants still waiting for vouchers, many of whom are currently homeless. They are not accepting any new applicants.
I have contacted EVERY charitable and public/community service agency that I can think of for help... none has been forthcoming as of yet..... Is there ANYONE out there with a heart who can and will help us? I have nowhere else to turn.
I’ve spent days seeking legal help... bottom line... none available... so since if my defense is denied and I can't fight the eviction then we are out on the streets with nowhere to go.
My nerves are shot; the house hunt is not going well.
I am hurt by my daughter’s actions and so sickened over all of this mess that I can barely think straight. I cry myself to sleep every night and awake with tears in my eyes and a rock in the pit of my stomach. Yet I dry them and try to be strong and act as if everything is normal for my grandsons who need me now more than ever. I still haven’t had time to grieve my mother’s death.
We are now faced with trying to find alternate housing that we can afford on the $840.00 a month income that I receive in Kinship Care for my grandsons. Fat chance in this over-priced rental market. Even a 1 bedroom apartment in Crack Alley goes for more than my income in this post-Katrina/Gustav/Ike market.
And it's starting to look like me and my grandsons will be homeless very soon... by the end of the 1st week in October.
Their mother is in prison and their deadbeat, psycho father hasn't been seen in almost 2 years, ever since he beat the hell out of his girlfriend, killed their little dog in front of my boys, stole and trashed her car and ended up in a mental hospital wanting to kill himself... my babies have had enough grief and loss in their lives... they need love, help and compassion.... and a decent place to live... soon!
We’re trying to stay in this area because my boyfriend of 11 years, and my only help, has an elderly, widowed mother who needs his help too. And we are all she has. She cannot take us in because her trailer is very small and there is no room for 5 more people in it.
Work is also scarce and hard to find in the New Orleans metro area due to the huge influx of big out of state companies with their out of state workers getting all of the bigger jobs and contracts and the even larger influx of foreign laborers so severely underbidding the smaller construction jobs, cutting local workers and sub-contractors, like my boyfriend, right out of the job market. Every day he goes out hunting for work taking any job offered.
I have prayed on this so hard and so often since this mess all began. I have put my burden in Jesus' Hands. For He is the only one that can save us. I can only hope that he sends us Angels to deliver us soon, for without help from someone, somewhere here on earth we are lost. I feel so lost and utterly alone... this truly is my darkest hour.
If there is ANYONE out there who can offer assistance, legal, residential, financial, whatever help you can give... please contact me ASAP. I have exhausted all available resources.
Right now, I can barely afford toilet paper to wipe our butts with.
We are thankful and grateful for the help we have received from 5 of my 267 facebook friends, our local churches and the 2nd Harvest Food Bank, as well as some assistance on our utility bill from our local community action organization. That meager help has helped us survive thus far, but our resources are nearly spent. Please have mercy on us and donate whatever you can to help me save my family. If enough people with a heart and some compassion give up just 1 cup of Latte from Starbucks and donate to help save us, we will be able to make it… small donations add up and every little bit helps.
Thank you for listening to my problems and for your consideration of my plight.
May God Bless you tenfold for any help you send us.
Proverbs 3: 3-7
Let not mercy and truth forsakes you; bind them around your neck, write them on the tablet of your heart,
And so find favor and high esteem in the sight of God and man.
Trust in the Lord with all your heart, and lean not on your own understanding.
In all your ways acknowledge Him, and He shall direct your paths.

I don't know where else to turn

Posted by Struggling on 2011-09-20 23:58:11

I'm currently drowning in debt accrued while trying to take care of my fiance while fighting a, sadly, losing battle with a rare bone marrow disease. It's been over a year now since his passing, and while I was able to keep my head above water financially since, I'm not doing so well now.
I moved back in with my mother after my dad passed to try to help her, but I just don't have the finances to do what I need while trying to pay down or off the debt I already have. I work full time, and have been trying unsuccessfully to get promoted at work for the last 2 years. There just isn't enough to go around anymore! We live very meager lives, and there are no more expenses we can really cut. It feels like we are always on the verge of losing the house, and sometimes we go days without food. I've also been trying to find another job to work around my main one, but haven't found anything reliable.
There's so much more that's going on, but I can barely bring myself to tell it.
Anyone that can help me out, even a little bit, would be so deeply appreciated. I even appreciate the time you took to read my story. This feels like my last hope.
Thank you

DIABETIC AND DISABLED

Posted by mike41647 on 2011-09-16 15:58:49

64 year old male needs your help. Financially strapped and behind on numerous bills. Having to rely on meager disability payments and food banks. I need at least $4000 to pay off all my debts and be able to get a 1-800 phone line up and running. The company pays for all advertising. IF I could get at least one line going, I would then be self-sufficient and could even possibly get off of disability. PLEASE help.

-Mike
I am a 49 year old struggling grandmother of 3 sweet, beautiful boys, ages 5, 7 and 8. I am desperately trying to save and protect my grandsons and ensure their futures. I would not ask help if it were only for me. I am asking for help for them, so that my 3 innocent little grandsons will be safe, secure and have a chance in life. As things stand right now, we will be homeless within the next 2 weeks.
My greatest fear is that when (not if) I do become homeless, which isn’t that far off, the state will take my grandsons because we have no place to live, split them up and put them in foster homes. That thought scares the hell out of me. I am all those sweet little boys have. And if they lose each other too, after losing everyone and everything else that they known and loved, I fear their lives will be ruined at the tender ages of 5, 7 and 8.
I suffer from COPD and fibromyalgia and each day I struggle with physical pain. We live near the New Orleans Metro Area in Jefferson Parish, Louisiana. We were displaced for a year after Hurricane Katrina, came back, bought a mobile home in Lafitte, Louisiana and tried to rebuild our lives. In 2008, when Hurricanes Gustav and Ike hit us back to back, our home was flooded with more than 4 feet of water; unreachable, except by boat for over 2 weeks.
At that time, my mother, age 75, had been experiencing the beginning stages of Alzheimer’s as well as a series of strokes which affected the memory and impulse control centers of her brain due to a vascular disease which severely decreased the flow of blood to those areas of her brain. During these TIA’s and small strokes/seizures, she behaved erratically and during larger ones she could become paranoid and psychotic. She had to be hospitalized for several of the more severe episodes, as she was becoming a danger to herself and others. The effects of these “episodes” lingered for days, sometimes weeks. Afterwards, she had no memory of anything that happened during that time period.
After the storms, we moved in with my mother to help her and because we did, FEMA stopped helping us. And since we could not afford to rebuild again without FEMA’s help, we lost our home. The recent BP oil spill was just another deep blow to our already struggling local economy.
She required 24/7/365 assistance and supervision, which she could not afford. She was eventually diagnosed with vascular disease of the brain and Alzheimer’s. Due to the region of her brain that was affected her disease went unnoticed for several years, until she had a large enough stroke to prompt her to seek medical attention. This diagnosis explained her erratic behavior of the past several years, I have since been homebound, unable to leave mom untended for any length of time and unable to work outside the home due to my mother’s need for the past 3 years.
My mother passed away this past April at the age of 79. She had suffered from Alzheimer's and vascular dementia, suffering several major and minor strokes and seizures over the past 6+ years. On April 9th she suffered a massive stroke, lingering for 9 days before passing on the 18th. God rest her soul, I miss her. I loved my mom very much and did everything I could to help her.
To add to the difficulties already faced by our loss, my youngest daughter, who had been living in Ohio with what turned out to be a conman/ junkie twice her age that saw a vulnerable young woman with 3 children and took advantage of that fact, had been physically, verbally and emotionally abusive to all of them for the past 1 ½ years. 2 weeks before Mom passed, she got in major legal trouble in Ohio and sent my 3 young grandsons to me to raise.
Now, things have turned for the worst... On August 17th we discovered that my eldest daughter took my mother to an attorney and had her write a will leaving everything my mother had to her and excluding me! This abominable act was done 1 month after Hurricane Katrina when ALL of us were distraught and displaced from the storm! My mom was not in her right mind at that time, even though a full diagnosis had not yet been made on her true condition.... Also, in Louisiana, the bar for mental competency is set so low that so long as you are not actively drooling and babbling in front of the judge/attorney/witnesses you are considered competent!! It doesn’t matter if you won’t remember doing it five minutes later either.
Now, my greedy, self-serving, ungrateful eldest child has decided that she will evict us so she can try to sell my mother's home, in which I and my grandsons, her nephews still live, so she can pay off mom's debt, which she exaggerates, and her student loans. She is fully aware of our circumstances… she just doesn’t care. The only transportation I have for my grandsons is the truck my mom gave me before her death, but did not have the money to transfer title on. It is now part of mom’s estate and she wants that too.
I called the Clerk in division where probate/ succession on my mom were filed... Clerk said that I need an attorney to file contest to the will… herein lies the problem... there is not 1 single legal aid agency in the ENTIRE New Orleans Metro area that can handle a contested will!! There are also no private attorneys that will handle it either, unless there's big money in it for them, which in this case there is not.
Clerk also said she has no idea why I was never notified… Judge signed off regardless. There seems to be no justice for the poor in this country... since we can't afford to pay the exorbitant fees of a private attorney, which seems to be a necessity to get anything done in the courts.
I received a 10 day "Notice to Vacate" posted on the door August 24, 2011. My daughter wants immediate possession of the property she manipulated/unduly influenced my mentally ill mother into willing to her barely 1 month after Hurricane Katrina. I don't know where we will go. I will have enough money on September 3rd to pay either 1 month's rent or the deposit, but can't raise both in time I have left. I also have the added expenses of my regular utility bills and new expenses for the transfer of utility services and/or deposits, and transportation. So I need to raise about $2000.00 within the coming 2 week period.
I have tried appealing to my daughter’s sense of decency, but she doesn’t seem to have one. Her actions are despicable and deplorable. I am ashamed to be her mother. It breaks my heart and sickens me to know that I brought such a hateful, selfish, greedy, heartless person into this world. I did not raise her to be that way.
I've called every single legal aid agency in my area; including the Bar Assoc. Lawyer referral service... no one will help because there just isn't any money in it for them... sad state this country is in when the poor cannot get justice anywhere.
I've also called churches and other charitable organizations for help... there are so many families in need in the New Orleans metro area that any help is minimal. ALL homeless shelters are full up with waiting lists so long they are no longer taking applications for assistance.
I have applied for Section 8 housing, but there is a HUGE waiting list. The HUD Section 8 waiting list in Louisiana is backlogged 5+ years and has more than 20,000 applicants still waiting for vouchers, many of whom are currently homeless. They are not accepting any new applicants.
I have contacted EVERY charitable and public/community service agency that I can think of for help... none has been forthcoming as of yet..... Is there ANYONE out there with a heart who can and will help us? I have nowhere else to turn.
I’ve spent days seeking legal help... bottom line... none available... so since if my defense is denied and I can't fight the eviction then we are out on the streets with nowhere to go.
My nerves are shot; the house hunt is not going well.
I am hurt by my daughter’s actions and so sickened over all of this mess that I can barely think straight. I cry myself to sleep every night and awake with tears in my eyes and a rock in the pit of my stomach. Yet I dry them and try to be strong and act as if everything is normal for my grandsons who need me now more than ever. I still haven’t had time to grieve my mother’s death.
We are now faced with trying to find alternate housing that we can afford on the $840.00 a month income that I receive in Kinship Care for my grandsons. Fat chance in this over-priced rental market. Even a 1 bedroom apartment in “Crack Alley” goes for more than my income in this post-Katrina/Gustav/Ike market.
And it's starting to look like me and my grandsons will be homeless very soon... by the end of the 1st week in September.
Their mother is in prison and their deadbeat, psycho father hasn't been seen in almost 2 years, ever since he beat the hell out of his girlfriend, killed their little dog in front of my boys, stole and trashed her car and ended up in a mental hospital wanting to kill himself... my babies have had enough grief and loss in their lives... they need love, help and compassion.... and a decent place to live... soon!
We’re trying to stay in this area because my boyfriend of 11 years, and my only help, has an elderly, widowed mother who needs his help too. And we are all she has. She cannot take us in because her trailer is very small and there is no room for 5 more people in it.
Work is also scarce and hard to find in the New Orleans metro area due to the huge influx of big out of state companies with their out of state workers getting all of the bigger jobs and contracts and the even larger influx of foreign laborers so severely underbidding the smaller construction jobs, cutting local workers and sub-contractors, like my boyfriend, right out of the job market. Every day he goes out hunting for work taking any job offered.
I have prayed on this so hard and so often since this mess all began. I have put my burden in Jesus' Hands. For He is the only one that can save us. I can only hope that he sends us an Angel to deliver us soon, for without help from someone, somewhere here on earth we are lost. I feel so lost and utterly alone... this truly is my darkest hour.
If there is ANYONE out there who can offer assistance, legal, residential, financial, whatever help you can give... please contact me ASAP. I have exhausted all available resources.
I need at least 2 bedrooms in a safe neighborhood... my total income is $840.00 per month... Right now, I can barely afford toilet paper to wipe our butts with.
We are thankful and grateful for the help we have received from our local churches and the 2nd Harvest Food Bank, as well as some assistance on our utility bill from our local community action organization. That meager help has helped us survive thus far, but our resources are nearly spent. Please have mercy on us and donate whatever you can to help me save my family… every little bit helps.
Thank you for listening to my problems and for your consideration of my plight.
May God Bless you tenfold for any help you send us.
Proverbs 3: 3-7
Let not mercy and truth forsakes you; bind them around your neck, write them on the tablet of your heart,
And so find favor and high esteem in the sight of God and man.
Trust in the Lord with all your heart, and lean not on your own understanding.
In all your ways acknowledge Him, and He shall direct your paths.

In need of money for school

Posted by bearindacity on 2011-08-21 16:58:49

Dear Readers,
I am enrolled in a networking program at Truman college in chicago and they just raised the cost of tuition. I owe them roughly $900 for the last two classes I need to take and I have no idea how I am going to pay. My soon to be wife is experiencing medical problems and has been put on leave from work, so we are surviving on my meager pay. I would be so very grateful to anyone who could provide any help. Every penny helps and everyone could use some good Karma.
Thank You,
Rob

Honest Guy Looking for help

Posted by LongingforHome on 2011-07-16 16:58:32

Yesterday, I thought i had found a ride share to get home to continue my schooling and be near my family, my sister had just recently had surgery and i was concerned for her and i was in a mad rush in looking for a cheap economical way to get home.

The man i had thought would drive cross country from LA to Florida, flaked out on me taking my meager savings of 300 bucks, my cellphone and slamming my left hand in a door at a hotel i had bought.now im stranded in hollywood and without a place to turn.
First and Foremost Prayers are much needed in finding a solution, any help will be greatly appreciated

MAKE MY FAMILY WHOLE AGAIN!!!!!

Posted by secritninjaface on 2011-06-19 21:58:46

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…

Working Mom w/IRS Garnishment - About to be Evicted...

Posted by lmb219 on 2011-04-07 14:58:17

Hello...

This has got to be the most humbling, humiliating experience ever. I just spent days creating a free website, not even knowing a site like this existed...Arrgghh!!!! Story of my life! Anyways, if you want the full gist of our story, please go to http://payitforwardtoday.webs.com. I'll try to be brief here. I figure if I'm going to ask total strangers for help, they have a right to know a little (or a lot!) about who they are helping. We are a family of 4 (plus our little Mini Daschund, who we'll call "Puppers" for the sake of privacy!) that have fallen on really hard times. We are not looking for hand outs; we are looking for a hand up! If you think it's not seriously earth shattering to realize that the best and only hope you have left is to air your dirty laundry to the world, and hope someone shows up with some detergent, then I really hope you never go through anything like this. I wouldn't wish our situation on my worst enemy on their worst day. It is truly soul crushing.

I am a wife and mother of 2 children, ages 9 and 21. Long and short of it, my oldest struggled A LOT. He was expelled from his school, and I forced him into the only other school that would take him, made him go every day until the time he got arrested. I picked up his diploma for him at his school, as he was in jail and couldn't go get it, but I am, to this day, glad that he has that diploma, and now, 4 years later, so is he. He was diagnosed as Bi-Polar while incarcerated, and mental can be so much tougher to deal with than physical. I'll always wish I had known the exact right point where his road changed to the one he travelled, and stopped it before it started. Now he is going to be a father himself, and all I can do is believe things will be ok (and wait anxiously to kiss all over my new Grandchild!!!!)

I got into trouble by with the IRS by filing taxes with my ex-husband for a couple of years. I didn't know any better, and though we were only married for a few years, and eventually had to part ways, his neglect to file or claim anything has haunted me for years. As I continued to work legitimately, his interest and penalties grew, and since the debt was considered uncollectible from him, the IRS opted to come after me. I was a single mother, unable to get child support, and losing my tax refunds to the IRS. When I reached 30, I met my current husband.

My husband has always been a hard worker, but he too has had his share of bad luck. He is a recovering alcoholic with 11 years of sobriety under his belt. His favorite catch phrase is "I'm the hardest working broke guy I know!", and it's so true. He is CONSTANTLY going; making phone calls, doing estimates, meeting with people to try to network and pick up more business. He does great work, and has had to really struggle to get his licenses, and maintain the insurances required to operate his business. He is in construction, and has had his own business (along with his partner) for about 5 years now. The past year has shown devastating loss. Basically, 9 out of 10 jobs have paid just enough to pay his 4 employees, and he and his partner end up taking home less than their employees. They are also having a hard time competing with "fly by night" construction companies who come in, promise the world for pennies on the dollar, and when they have problems a year later, the company is nowhere to be found. It's a constant battle to convince people that your workmanship and the warranty that backs it up, in addition to being a local contractor for 25+ years with a stellar reputation is worth it's weight in gold.

I am working at a really decent company now, and was thrilled to get my foot in the door. I wasn't there a month before the IRS decided to garnish my wages. Now, instead of the $500+ I would be taking home each week, I am bringing home a meager $123 per week. This has been our sole income for many weeks now, and after reviewing all of my paperwork, it appears the IRS feels I owe them in excess of $50,000!!!! This does NOT include the state taxes, which haven't caught up with me yet, but I'm sure they will. So, I have decided to stay working, even though unemployment would pay me more, because jobs are tough to come by. However, it's impossible trying to run a family by borrowing money from everyone we know, and no way to pay it back, because the money we bring in doesn't even pay the bills, the rent...it barely covers the groceries.

Can I add one more thing here? My husband, who's job is primarily getting up on a roof every day, was recently diagnosed with Vertigo. He can't drive right now, and even if jobs come in, he can't get on a roof anytime soon either. Reading through what I've written, I'm thinking to myself "I would SO think this is fake if I were reading it". I assure you, it's not. I'm not looking to bilk money from anyone, and I'm not promising anything to you in return. The only thing I AM promising is that you would honestly be helping a family in need. I know there are people worse off than us, and I thank GOD every day that I got to wake up in the morning, and that I have a family to love, and that loves me. I hope you never know how painful it is to tell your daughter that she can't go to gymnastics this time around because we don't have the money. I hope you never have to sleep on someones' couch with your child because your electricity is off, and you can't find anything valuable enough to pawn so you can pay it. I hope you never have to look in your husbands' eyes and see the pain and humiliation there because he feels he has failed your family. None of these things are things we asked to happen, but they all did. Could we have done anything differently? Sure. But who out there reading this right now has always chosen the right path? Who has NOT made errors along the way?

We are not looking to get rich. We are looking for a helping hand. We have always helped others when we have been able to, and are hoping there are others like us out there that feel the same. My primary goal is to collect enough to retain a tax attorney to help negotiate a settlement for me, so that I can finally contribute to my family, and take some pressure off of my husband. I am also hoping to pay off some utility bills we still owe, and March and Aprils' rent. That's it. Just looking to keep the little roof we rent over our heads. If we are able to get back on our feet, we'd like to pay it forward ourselves...one person, one family at a time.

Thanks for listening to the story of a stranger, and if you've got even a dollar or 2 to spare, we'd be really grateful. I'm sorry this is all over the map, but I'm not a writer, nor even a college grad. I'm a regular person fallen on hard times, and doing anything I can to get some help for my family.

Peace.

Two People, One Salary...Water is Eight Feet High and Rising.

Posted by fridaysgal on 2011-02-14 14:58:58

I am absolutely terrified to be here but most grateful to know people are still willing to listen and help. We're behind on every bill, including the house, and my boyfriend has been out of steady work for nearly 3 years. We got by for a while, but now there's only my salary and ever-rising prices. (Oh, and my washer just broke this past weekend thanks to the freezing temps...always something, huh?!)

Some days the pressure is too much to bear and I can hardly breathe. I am quite honestly out of money and won't get paid until the end of the month. I have had a garage sale and sold nearly every piece of jewelry that I own and I still have no clue how I'll feed my family or buy gas the rest of the month. I've actually contemplated quitting my job, so I can cash out my meager retirement plan. I even got a little part time job but that hasn't provided much relief.

Any help you are able to provide is so greatly appreciated. Thank you.

Help With Utilities/House Payment.

Posted by akay2011 on 2011-01-02 20:58:58

I am so embarassed to be doing this,but I feel now its my only option. I am a married mother of 2 with one on the way. My husband was layed off last December and just recently found another job working from home taking calls for a major tv provider. I have worked all year but have just been unable to make the kind of money he was. I was also fired from my job just before thanksgiving. They say it was for "production" I know it was because I was pregnant. There are still people there that where producing alot less than I was but thats besides the point. We are 2 months behind on house payment,had to switch electric providers because we just could not pay the bill. Our water bill is over 500 dollars. I want more than anything to just be able to go back to work but no one is going to hire me right now for me just to leave in Feb. I pray someone will help me I can prove everything and you can feel free to email me at momofthree2011@hotmail.com No Spam please! I have become everything I hate I already know I shouldnt have gotten pregnant while my husband was not working things happened and I know it wasnt helpful.I know my choices are stupid so please I dont need any more lectures. I am on all the government support I can get they dont give us TANF because my husband works. I get a meager amount in foodstamps and medicaid. Plus WIC for me and my son my daughter however is too old to recieve the benefits. I would be willing to work for anything you sent or even pay you back with my income tax. Please help. Thank you for just taking the time to read this I apperciate it!

Help Help Help!!!

Posted by cgomez28 on 2010-10-04 23:58:58

Re-Post!

Hello,

My name is Christina and I am a 25 year old United States Air Force veteran who is desperately in need of financial assistance for bill pay. I am currently attending college Monday through Friday to become a Radiologist, therefore I can only work part-time to allow myself ample time to study as well. I have maintained a 3.7 GPA for the past two semesters, which has landed me on the school's President's List for Academic Excellence. However, with recent struggles, the stress has taken a huge toll on my mind and is reflecting upon my grades.

I have been trying to regain my composure and get back on my feet for a few months now. With my recent termination from my previous employer on account of turmoil between myself and my ex relationship (a manager), I have not seemed to find suitable employment. I went from making $9.42 and averaging 33-40 hours per week to a disappointing and meager $7.25 with 4-15 hours per week.

I have been blessed enough to be able to attend college tuition-free with my military background, so that alleviates some of the worry. There are still bills to pay and I cannot ever seem to make enough money through minimum wage in order to cover the cost. My mom has been fortunate enough to cover the loan on the car I first owned (which needed to be replaced due to transmission issues and being a gas guzzler), which is a monthly payment of $133. She has also been carrying the cost of my replacement car statement, which is a monthly payment of $252.96 as well as the rate for 6 months worth of car insurance which totals to around $600 for my car alone, on top of the bills SHE has. Recently, she has also taken on assisting my younger brother with his educational needs, on top of paying for my younger sister's education as well. So, she can no longer afford to assist all 3 of us because it is causing her to stress and struggle as well. Though she tries, gives 200%, and she is the hardest working woman out there in my eyes.

Last month, I was able to accumulate enough hours to finally pay the latter of the two. But with reduction in hours with my current company, I have only been scheduled a grand total of 11 hours for the past two weeks. I have unfortunately only been able to pay $126.48 of the now past due (10/02) $252.96 car payment. I feel as if I'm working to put gas in my car just to drive to a workplace 13 miles away from home and not even make close to enough of what I need in order to pay bills. It also doesn't help that my mom informed me she was going to be over budget this month with all the added expenses for my siblings.

Please, please help me. All I need is $126.48 to make this month's car payment while I continue to attend classes and seek new employment on my days off. I have been so desperate as to resort to selling my entertainment items on Craigslist, selling my clothing to thrift shops for gas money, and skipping a class or two to donate plasma for $20. I am mentally exhausted...my next pay day is on 10/8 but that will only have 4 hours on it. I truly believe in the generosity and kindness of strangers. There are good people out there who are willing to help out those in need and ease their worries.

Thank you SO much for reading. You have no idea how much this means to me.

Sincerely,
-Christina G.

Trying To Get Back Up Again

Posted by cgomez28 on 2010-10-04 01:58:58

Hello,

My name is Christina and I am a 25 year old United States Air Force veteran who is desperately in need of financial assistance for bill pay. I am currently attending college Monday through Friday to become a Radiologist, therefore I can only work part-time to allow myself ample time to study as well. I have maintained a 3.7 GPA for the past two semesters, which has landed me on the school's President's List for Academic Excellence. However, with recent struggles, the stress has taken a huge toll on my mind and is reflecting upon my grades.

I have been trying to regain my composure and get back on my feet for a few months now. With my recent termination from my previous employer on account of turmoil between myself and my ex relationship (a manager), I have not seemed to find suitable employment. I went from making $9.42 and averaging 33-40 hours per week to a disappointing and meager $7.25 with 4-15 hours per week.

I have been blessed enough to be able to attend college tuition-free with my military background, so that alleviates some of the worry. There are still bills to pay and I cannot ever seem to make enough money through minimum wage in order to cover the cost. My mom has been fortunate enough to cover the loan on the car I first owned (which needed to be replaced due to transmission issues and being a gas guzzler), which is a monthly payment of $133. She has also been carrying the cost of my replacement car statement, which is a monthly payment of $252.96 as well as the rate for 6 months worth of car insurance which totals to around $600 for my car alone, on top of the bills SHE has. Recently, she has also taken on assisting my younger brother with his educational needs, on top of paying for my younger sister's education as well. So, she can no longer afford to assist all 3 of us because it is causing her to stress and struggle as well. Though she tries, gives 200%, and she is the hardest working woman out there in my eyes.

Last month, I was able to accumulate enough hours to finally pay the latter of the two. But with reduction in hours with my current company, I have only been scheduled a grand total of 11 hours for the past two weeks. I have unfortunately only been able to pay $126.48 of the now past due (10/02) $252.96 car payment. I feel as if I'm working to put gas in my car just to drive to a workplace 13 miles away from home and not even make close to enough of what I need in order to pay bills. It also doesn't help that my mom informed me she was going to be over budget this month with all the added expenses for my siblings.

Please, please help me. All I need is $126.48 to make this month's car payment while I continue to attend classes and seek new employment on my days off. I have been so desperate as to resort to selling my entertainment items on Craigslist, selling my clothing to thrift shops for gas money, and skipping a class or two to donate plasma for $20. I am mentally exhausted...my next pay day is on 10/8 but that will only have 4 hours on it. I truly believe in the generosity and kindness of strangers. There are good people out there who are willing to help out those in need and ease their worries.

Thank you SO much for reading. You have no idea how much this means to me.

Sincerely,
-Christina G.

homeless with no independent status...

Posted by ryan0107 on 2010-08-01 20:58:58

Hello, My name is Ryan. I am 19 years old and up until this day I have never asked or begged for anything in my life. I am a homeless youth who for 18 years had been mentally and physically abused by my parents. I was kicked out of my house for the millionth time last december and this time never went back. I raised myself, and through reseasrch, scholarships, and guidance by teachers I have managed to travel the world in service to those like me and with even less than I have. For the rest of my days I want to devote myself to therapy and rehabilitation for children suffering from abuse, slavery and sexual exploitation around the world. I want to be a public servant. All I want is to give. Although my parents do not claim me or care for me I will not be able to get government grants for school, nor do I have credit or money to pay my $40,000 tuition this year. I am a straight A student and I have a low paying nanny job which has allowed me to save a meager $1000. Please, please, please from the deep of my soul, please help me go to school. I have managed to make it this far and all I need is a small step up. I would give anything to be in school, and more importantly I think I deserve this chance. Thank you and God bless you.

DISABLED, DIVORCED, DEPRESSED MUSICIAN

Posted by elgato13 on 2010-07-12 07:58:58

I'm 43 yrs. old and cannot walk without the use of two canes. I have suffered damage to my knees and lower legs due to venous insufficiency caused by complications from a severe staph infection I contracted about three years ago.
During this same period I caught my wife cheating on me which led to a divorce and the loss of my job. I spiraled into a deep depression, became addicted to opiates, nicotine and food. I gained a lot of weight which severely complicated my illness and all aspects of my health.
I am finally slowly digging my way out of this deep hole. In the last year I have quit smoking, conquered my drug addiction, have healed about 95% from the staph infection and have made great strides in battling depression and losing weight. However, I am still currently disabled and subsisting on the meager $700/month our fine government believes is more than enough live on. I have been a musician most of my life and I'm now physically up to using that skill again to earn some extra money, but because of my illness I was forced to sell every last bit of my equipment and instruments to pay for my medical bills. I am asking not only for cash donations but I would also love to receive any donations of old guitars electric or acoustic, amplifiers, bass guitars (acoustic, electric or upright), mandolins, fiddles, harmonicas, keyboards, microphones, PA equipment, speakers, power amps, cables, eq's, compressors etc., mic stands, recording software, computers, anything I could use to play out or record a demo to get gigs. Of course cash is always best. At the moment I don't have a PayPal account, but I will remedy that shortly. Thank you for your consideration and prayers.

DISABLED, DIVORCED, DEPRESSED MUSICIAN

Posted by elgato13 on 2010-07-12 07:58:58

I'm 43 yrs. old and cannot walk without the use of two canes. I have suffered damage to my knees and lower legs due to venous insufficiency caused by complications from a severe staph infection I contracted about three years ago.
During this same period I caught my wife cheating on me which led to a divorce and the loss of my job. I spiraled into a deep depression, became addicted to opiates, nicotine and food. I gained a lot of weight which severely complicated my illness and all aspects of my health.
I am finally slowly digging my way out of this deep hole. In the last year I have quit smoking, conquered my drug addiction, have healed about 95% from the staph infection and have made great strides in battling depression and losing weight. However, I am still currently disabled and subsisting on the meager $700/month our fine government believes is more than enough live on. I have been a musician most of my life and I'm now physically up to using that skill again to earn some extra money, but because of my illness I was forced to sell every last bit of my equipment and instruments to pay for my medical bills. I am asking not only for cash donations but I would also love to receive any donations of old guitars electric or acoustic, amplifiers, bass guitars (acoustic, electric or upright), mandolins, fiddles, harmonicas, keyboards, microphones, PA equipment, speakers, power amps, cables, eq's, compressors etc., mic stands, recording software, computers, anything I could use to play out or record a demo to get gigs. Of course cash is always best. At the moment I don't have a PayPal account, but I will remedy that shortly. Thank you for your consideration and prayers.