Racking Tags

This is very new to me. Doubt anyone actually reads these, but I am desperate. I have 5 children and recently took in another. We cannot afford daycare for all of our children so I work while my spouse stays home to care for the kids. There are somedays where we are flipping couch cushions to find change for milk or diapers. We live paycheck to paycheck and rarely have any extra for even school activities. I spent a year racking up credit card debt just to get by. Now I am in deeper than ever. I no longer have credit cards and will never get one again. I want to pay off my car, student loans and other debt so I can provide fully for my family. I know I screwed up and have learned my lesson. Now I am begging for help! Please; anything will help.

This is very new to me. Doubt anyone actually reads these, but I am desperate. I have 5 children and recently took in another. We cannot afford daycare for all of our children so I work while my spouse stays home to care for the kids. There are somedays where we are flipping couch cushions to find change for milk or diapers. We live paycheck to paycheck and rarely have any extra for even school activities. I spent a year racking up credit card debt just to get by. Now I am in deeper than ever. I no longer have credit cards and will never get one again. I want to pay off my car, student loans and other debt so I can provide fully for my family. I know I screwed up and have learned my lesson. Now I am begging for help! Please; anything will help.

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.

Hi. I am a low-income disabled woman in need of some financial assistance. In August 2009, I was diagnosed with breast cancer. I had surgery in October 2009 to remove both breasts along with reconstructive surgery. In December of '09, I started 6 rounds of chemo followed by 35 radiation treatments. Although the bills were astronomical, I was struggling along trying to pay them. My only income is social security disability. My healing was progressing until I developed a hernia from the reconstruction surgery (they took part of my abdomen along with my abdominal muscles to construct my breasts).

In Nov.'10, I had surgery to repair the hernia as well as the second phase of reconstruction to my breasts. I was to only be in the hospital overnight but due to complications, I ended up hospitalized for 2 weeks. I returned home the day before Thanksgiving but still was not doing well. The Sunday after Thanksgiving, the paramedics were called to take me to the hospital again. It was determined that I was in acute renal failure due to a bowel obstruction. I was in ICU for a number of days. While in the hospital, I was placed on dialysis with the hope that my kidney functions would kick back in. After another two weeks in the hospital, I was released to go home.

On New Year's Day of 2011, I began feeling ill again and was taken to the ER. After several tests, I was admitted again and scheduled for a colonoscopy to determine the problem. It was discovered that a section of my colon was almost completely closed off. I was scheduled for surgery to correct this. I Thought they would just remove the bad section, sew me up, and I could go home in a couple of days. I woke up with a colostomy which I had until April of 2011.

All this time, the medical bills were steadily racking up. On top of all this, Ever since the chemo treatments, my teeth have been feeling like they are about to fall from my head. The chemo did damage while undergoing treatments.

I would really appreciate it if I could receive some assistance in paying these bills and getting my teeth fixed. I am on a fixed income and can barely make ends meet. I receive food donations from time to time and that helps me tremendously with groceries.

Help me drowning in child support good guy lost job racking up bills am now couch surfing and eating not well any job will do please

This is my story..i graduated college back in 2005 and had a stable job but eventually left to pursue another degree. After another year or so of schooling and racking up tons of debt from sallie mae I started to look for another job without much luck due to the downed economy. Currently I'm working for my parents small business but not making any income. The store rent and expenses are too high and our profits are negative and barely making enough to support out 5 family members. My younger sibling who just started college is deciding to take a break for however long a time from school because no one will lend us any money with our bad credits and we don't have the money to pay for tuition. All in all everything is rock bottom and I have nowhere to turn to with tons of credit card bills, school loans, rent and mortgage not being paid. I have nowhere to turn to and no bank that will loan me any money to keep surviving. Im only asking for a little contribution to give me a jump start to build my credit up again so I can get out of this financial rut. Thank you for reading this story as I'm sure there are tons and tons of people with more difficulties or the same problem as me. Thank you again for helping.

This is my story..i graduated college back in 2005 and had a stable job but eventually left to pursue another degree. After another year or so of schooling and racking up tons of debt from sallie mae I started to look for another job without much luck due to the downed economy. Currently I'm working for my parents small business but not making any income. The store rent and expenses are too high and our profits are negative and barely making enough to support out 5 family members. My younger sibling who just started college is deciding to take a break for however long a time from school because no one will lend us any money with our bad credits and we don't have the money to pay for tuition. All in all everything is rock bottom and I have nowhere to turn to with tons of credit card bills, school loans, rent and mortgage not being paid. I have nowhere to turn to and no bank that will loan me any money to keep surviving. Im only asking for a little contribution to give me a jump start to build my credit up again so I can get out of this financial rut. Thank you for reading this story as I'm sure there are tons and tons of people with more difficulties or the same problem as me. Thank you again for helping.

This is my story..i graduated college back in 2005 and had a stable job but eventually left to pursue another degree. After another year or so of schooling and racking up tons of debt from sallie mae I started to look for another job without much luck due to the downed economy. Currently I'm working for my parents small business but not making any income. The store rent and expenses are too high and our profits are negative and barely making enough to support out 5 family members. My younger sibling who just started college is deciding to take a break for however long a time from school because no one will lend us any money with our bad credits and we don't have the money to pay for tuition. All in all everything is rock bottom and I have nowhere to turn to with tons of credit card bills, school loans, rent and mortgage not being paid. I have nowhere to turn to and no bank that will loan me any money to keep surviving. Im only asking for a little contribution to give me a jump start to build my credit up again so I can get out of this financial rut. Thank you for reading this story as I'm sure there are tons and tons of people with more difficulties or the same problem as me. Thank you again for helping.

This is my story..i graduated college back in 2005 and had a stable job but eventually left to pursue another degree. After another year or so of schooling and racking up tons of debt from sallie mae I started to look for another job without much luck due to the downed economy. Currently I'm working for my parents small business but not making any income. The store rent and expenses are too high and our profits are negative and barely making enough to support out 5 family members. My younger sibling who just started college is deciding to take a break for however long a time from school because no one will lend us any money with our bad credits and we don't have the money to pay for tuition. All in all everything is rock bottom and I have nowhere to turn to with tons of credit card bills, school loans, rent and mortgage not being paid. I have nowhere to turn to and no bank that will loan me any money to keep surviving. Im only asking for a little contribution to give me a jump start to build my credit up again so I can get out of this financial rut. Thank you for reading this story as I'm sure there are tons and tons of people with more difficulties or the same problem as me. Thank you again for helping.

This is my story..i graduated college back in 2005 and had a stable job but eventually left to pursue another degree. After another year or so of schooling and racking up tons of debt from sallie mae I started to look for another job without much luck due to the downed economy. Currently I'm working for my parents small business but not making any income. The store rent and expenses are too high and our profits are negative and barely making enough to support out 5 family members. My younger sibling who just started college is deciding to take a break for however long a time from school because no one will lend us any money with our bad credits and we don't have the money to pay for tuition. All in all everything is rock bottom and I have nowhere to turn to with tons of credit card bills, school loans, rent and mortgage not being paid. I have nowhere to turn to and no bank that will loan me any money to keep surviving. Im only asking for a little contribution to give me a jump start to build my credit up again so I can get out of this financial rut. Thank you for reading this story as I'm sure there are tons and tons of people with more difficulties or the same problem as me. Thank you again for helping.

This is my story..i graduated college back in 2005 and had a stable job but eventually left to pursue another degree. After another year or so of schooling and racking up tons of debt from sallie mae I started to look for another job without much luck due to the downed economy. Currently I'm working for my parents small business but not making any income. The store rent and expenses are too high and our profits are negative and barely making enough to support out 5 family members. My younger sibling who just started college is deciding to take a break for however long a time from school because no one will lend us any money with our bad credits and we don't have the money to pay for tuition. All in all everything is rock bottom and I have nowhere to turn to with tons of credit card bills, school loans, rent and mortgage not being paid. I have nowhere to turn to and no bank that will loan me any money to keep surviving. Im only asking for a little contribution to give me a jump start to build my credit up again so I can get out of this financial rut. Thank you for reading this story as I'm sure there are tons and tons of people with more difficulties or the same problem as me. Thank you again for helping.

I can’t believe my life has come to this. First and foremost, it is important to know that I am a hardworking, responsible individual. I love going to work every day as a child and family therapist knowing that I have the ability to help make positive changes in others’ lives. I also, for whatever reason, feel very uncomfortable asking for help. I don’t think I have ever asked anyone for financial help in my life, let alone a “donation”. I was always taught that if you want something…. YOU WORK FOR IT! I have had a job since I was 13 yrs old and it taught me to appreciate the value of the dollar and hard work. But what happens when you physically can’t? My values speak to who I was, who I am and who I want to be and why I am worthy of your help.
• Be respectful, giving, loving and kind to others.
• Treat others as you would want to be treated.
• First and foremost dedication to my family and friends
• If you want something, you have to work for it because nothing in life is free
• Work hard and you can achieve anything you set your mind to
• If you believe in something, be passionate about it
• Love what you do for work – Life is too short
• Do not be selfish, but selfless – be there or give to others as much as you can
Resilient for many years –struggling through a childhood of undiagnosed ADHD - low self esteem, disruptive and impulsive behaviors, poor attention, disorganization, ambivalence about making life decisions, flunking out of college my freshman yr at 18 yo (which led to me having to pay any subsequent schooling on my own), moving and attending a new school at the beginning of my 8th grade year with a scoliosis brace that had to be worn 23 hours a day, having major surgery at 14 yo and missing 3 months of my freshman yr. As an adult, moving from NJ to Ma away from my family who I was extremely close to due to a marriage that didn’t work, losing my father to cancer and watching him waste away in front of me and feeling helpless. I did return to school as an adult committed to helping others and figuring out my own insecurities. Over 7 yrs (25-32 yrs old) received my bachelors degree from Rutgers University with high honors and my masters in clinical social work from Columbia University also with honors.
I know what I am capable of and I know how much I have to give to others. But at this point in my life, I also need to be honest with myself about my physical limitations.
When I was 12 yo I was diagnosed with a severe case of scoliosis and had to wear a body brace for 1 ½ yrs. Bad timing, I guess… I had just moved and was starting my 8th grade yr in a new school. Two yrs later (1983) I had major reconstructive surgery (14 hours, in a body cast 6 mos, couldn’t ride in a car or sit for more than 15 mins a day for 3 mos) and my spine was fused from T3 to L4 – all at 14 yo! Over the years, my back problems were just “part of my life”. Now at 43 I am disabled and in need of another major surgery due to collapsed discs that are compressing the nerves in my lower back. The pain I endure is affecting my ability to sit, stand or walk to any period of time. I had to leave my last job as an outpatient therapist a couple of years ago due to my inability to commit to a schedule because of my pain. I have been taking pain pills, which I do not want to become addicted to and have worked out an arrangement with a caring chiropractor. Not to mention at work I have kids, teens and their families who depend on me to help them, some of who I don’t charge because they can’t afford it. So, my schedule is minimal, my bills are racking up and I continue to try to help people sometimes at my own expense (physical). I have no health insurance because I can’t afford it, I live in a 800 square foot apartment that I share and I drive a 1998 Nissan Maxima that has over 200,000 miles on it! I don’t have “things” because I don’t NEED material things. It kills me to ask for help, especially monetary. It’s hard for me to accept help but I have no problem giving, lending or helping other people. My friends say that I give “too much”, but I feel that if I have it to give or I can do something to help someone else be happier, less stressed or more comfortable than I will. And I’ve been taken advantage of many times because of this – for example, 3 yrs ago, I lent a co-worker $5000 to assure that as a single mother she would have a dependable car for her and her 3 kids. She has not paid me anything yet. Gave another friend my car for 2 weeks to use because her car was in the shop and she couldn’t afford a rental. It was definitely an inconvenience, having to walk to and from work a mile, having to way to run errands until the weekend, etc. But I did it because I knew how much it meant to her and how much it helped. I then find myself thinking … who will be my angel when I need one?? And I do…. Please, please help!! I don’t have a choice right now. I need surgery, physical therapy/personal training in order to continue working for others. Thank you so much for any contribution you can make! God Bless!
College Loans: $60,000
Surgery: $250,000
Credit card debt $40,000 over last 8 yrs to support me at times when couldn’t work
Physical Therapy $2,000
Bills 3 mos $5,000 during recovery time

Wow… that’s hard to see… : ( Feel like I’m on the verge of a nervous breakdown!! Please be my angel

I can’t believe my life has come to this. First and foremost, it is important to know that I am a hardworking, responsible individual. I love going to work every day as a child and family therapist knowing that I have the ability to help make positive changes in others’ lives. I also, for whatever reason, feel very uncomfortable asking for help. I don’t think I have ever asked anyone for financial help in my life, let alone a “donation”. I was always taught that if you want something…. YOU WORK FOR IT! I have had a job since I was 13 yrs old and it taught me to appreciate the value of the dollar and hard work. But what happens when you physically can’t? My values speak to who I was, who I am and who I want to be and why I am worthy of your help.
Be respectful, giving, loving and kind to others.
Treat others as you would want to be treated.
First and foremost dedication to my family and friends
If you want something, you have to work for it because nothing in life is free
Work hard and you can achieve anything you set your mind to
If you believe in something, be passionate about it
Love what you do for work – Life is too short
Do not be selfish, but selfless – be there or give to others as much as you can
Resilient for many years –struggling through a childhood of undiagnosed ADHD - low self esteem, disruptive and impulsive behaviors, poor attention, disorganization, ambivalence about making life decisions, flunking out of college my freshman yr at 18 yo (which led to me having to pay any subsequent schooling on my own), moving and attending a new school at the beginning of my 8th grade year with a scoliosis brace that had to be worn 23 hours a day, having major surgery at 14 yo and missing 3 months of my freshman yr. As an adult, moving from NJ to Ma away from my family who I was extremely close to due to a marriage that didn’t work, losing my father to cancer and watching him waste away in front of me and feeling helpless. I did return to school as an adult committed to helping others and figuring out my own insecurities. Over 7 yrs (25-32 yrs old) received my bachelors degree from Rutgers University with high honors and my masters in clinical social work from Columbia University also with honors.
I know what I am capable of and I know how much I have to give to others. But at this point in my life, I also need to be honest with myself about my physical limitations.
When I was 12 yo I was diagnosed with a severe case of scoliosis and had to wear a body brace for 1 ½ yrs. Bad timing, I guess… I had just moved and was starting my 8th grade yr in a new school. Two yrs later (1983) I had major reconstructive surgery (14 hours, in a body cast 6 mos, couldn’t ride in a car or sit for more than 15 mins a day for 3 mos) and my spine was fused from T3 to L4 – all at 14 yo! Over the years, my back problems were just “part of my life”. Now at 43 I am disabled and in need of another major surgery due to collapsed discs that are compressing the nerves in my lower back. The pain I endure is affecting my ability to sit, stand or walk to any period of time. I had to leave my last job as an outpatient therapist a couple of years ago due to my inability to commit to a schedule because of my pain. I have been taking pain pills, which I do not want to become addicted to and have worked out an arrangement with a caring chiropractor. Not to mention at work I have kids, teens and their families who depend on me to help them, some of who I don’t charge because they can’t afford it. So, my schedule is minimal, my bills are racking up and I continue to try to help people sometimes at my own expense (physical). I have no health insurance because I can’t afford it, I live in a 800 square foot apartment that I share and I drive a 1998 Nissan Maxima that has over 200,000 miles on it! I don’t have “things” because I don’t NEED material things. It kills me to ask for help, especially monetary. It’s hard for me to accept help but I have no problem giving, lending or helping other people. My friends say that I give “too much”, but I feel that if I have it to give or I can do something to help someone else be happier, less stressed or more comfortable than I will. And I’ve been taken advantage of many times because of this – for example, 3 yrs ago, I lent a co-worker $5000 to assure that as a single mother she would have a dependable car for her and her 3 kids. She has not paid me anything yet. Gave another friend my car for 2 weeks to use because her car was in the shop and she couldn’t afford a rental. It was definitely an inconvenience, having to walk to and from work a mile, having to way to run errands until the weekend, etc. But I did it because I knew how much it meant to her and how much it helped. I then find myself thinking … who will be my angel when I need one?? And I do…. Please, please help!! I don’t have a choice right now. I need surgery, physical therapy/personal training in order to continue working for others. Thank you so much for any contribution you can make! God Bless!
College Loans: $60,000
Surgery: $250,000
Credit card debt $40,000 over last 8 yrs to support me at times when couldn’t work
Physical Therapy $2,000
Bills 3 mos $5,000 during recovery time

Wow… that’s hard to see… : ( Feel like I’m on the verge of a nervous breakdown!! Please be my angel

I can’t believe my life has come to this. First and foremost, it is important to know that I am a hardworking, responsible individual. I love going to work every day as a child and family therapist knowing that I have the ability to help make positive changes in others’ lives. I also, for whatever reason, feel very uncomfortable asking for help. I don’t think I have ever asked anyone for financial help in my life, let alone a “donation”. I was always taught that if you want something…. YOU WORK FOR IT! I have had a job since I was 13 yrs old and it taught me to appreciate the value of the dollar and hard work. But what happens when you physically can’t? My values speak to who I was, who I am and who I want to be and why I am worthy of your help.
• Be respectful, giving, loving and kind to others.
• Treat others as you would want to be treated.
• First and foremost dedication to my family and friends
• If you want something, you have to work for it because nothing in life is free
• Work hard and you can achieve anything you set your mind to
• If you believe in something, be passionate about it
• Love what you do for work – Life is too short
• Do not be selfish, but selfless – be there or give to others as much as you can
Resilient for many years –struggling through a childhood of undiagnosed ADHD - low self esteem, disruptive and impulsive behaviors, poor attention, disorganization, ambivalence about making life decisions, flunking out of college my freshman yr at 18 yo (which led to me having to pay any subsequent schooling on my own), moving and attending a new school at the beginning of my 8th grade year with a scoliosis brace that had to be worn 23 hours a day, having major surgery at 14 yo and missing 3 months of my freshman yr. As an adult, moving from NJ to Ma away from my family who I was extremely close to due to a marriage that didn’t work, losing my father to cancer and watching him waste away in front of me and feeling helpless. I did return to school as an adult committed to helping others and figuring out my own insecurities. Over 7 yrs (25-32 yrs old) received my bachelors degree from Rutgers University with high honors and my masters in clinical social work from Columbia University also with honors.
I know what I am capable of and I know how much I have to give to others. But at this point in my life, I also need to be honest with myself about my physical limitations.
When I was 12 yo I was diagnosed with a severe case of scoliosis and had to wear a body brace for 1 ½ yrs. Bad timing, I guess… I had just moved and was starting my 8th grade yr in a new school. Two yrs later (1983) I had major reconstructive surgery (14 hours, in a body cast 6 mos, couldn’t ride in a car or sit for more than 15 mins a day for 3 mos) and my spine was fused from T3 to L4 – all at 14 yo! Over the years, my back problems were just “part of my life”. Now at 43 I am disabled and in need of another major surgery due to collapsed discs that are compressing the nerves in my lower back. The pain I endure is affecting my ability to sit, stand or walk to any period of time. I had to leave my last job as an outpatient therapist a couple of years ago due to my inability to commit to a schedule because of my pain. I have been taking pain pills, which I do not want to become addicted to and have worked out an arrangement with a caring chiropractor. Not to mention at work I have kids, teens and their families who depend on me to help them, some of who I don’t charge because they can’t afford it. So, my schedule is minimal, my bills are racking up and I continue to try to help people sometimes at my own expense (physical). I have no health insurance because I can’t afford it, I live in a 800 square foot apartment that I share and I drive a 1998 Nissan Maxima that has over 200,000 miles on it! I don’t have “things” because I don’t NEED material things. It kills me to ask for help, especially monetary. It’s hard for me to accept help but I have no problem giving, lending or helping other people. My friends say that I give “too much”, but I feel that if I have it to give or I can do something to help someone else be happier, less stressed or more comfortable than I will. And I’ve been taken advantage of many times because of this – for example, 3 yrs ago, I lent a co-worker $5000 to assure that as a single mother she would have a dependable car for her and her 3 kids. She has not paid me anything yet. Gave another friend my car for 2 weeks to use because her car was in the shop and she couldn’t afford a rental. It was definitely an inconvenience, having to walk to and from work a mile, having to way to run errands until the weekend, etc. But I did it because I knew how much it meant to her and how much it helped. I then find myself thinking … who will be my angel when I need one?? And I do…. Please, please help!! I don’t have a choice right now. I need surgery, physical therapy/personal training in order to continue working for others. Thank you so much for any contribution you can make! God Bless!
College Loans: $60,000
Surgery: $250,000
Credit card debt $40,000 over last 8 yrs to support me at times when couldn’t work
Physical Therapy $2,000
Bills 3 mos $5,000 during recovery time

Wow… that’s hard to see… : ( Feel like I’m on the verge of a nervous breakdown!! Please be my angel

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 was layed off from my job of 6 years in 2005 due to budget cuts. In order to keep up with bills while I looked for a new job I started a computer repair business that managed to keep us afloat for a couple years, along with tapping my 401k. During this time the local economy took and even bigger hit and even with over a decade of experience I was unable to find sufficient work without a degree. As a result I decided to go back to school in 2009 to get my degree. With fiancial aid, the remainder of my 401k, money from the odd jobs I could find, and my wifes wages we managed to stay just ahead of our bills.

However in the last year the economy has gotten so bad that I was actually losing money repairing and building custom PC's, my wifes hours have been cut wo less than 10 hours a week, and any job that I have applied for I am not eligble for either because I am still finishing my degree so am under qualified, or because I am over qualified due to the schooling I have completed so far. (That's right I have been told I am overqualified to flip burgers at Mcdonalds, not sure how that works.)

Because of our reduced income we have been late on a number of bill payments for utilities and the house. I have sold my boat, my guns, and various electronics to get were we are and am to the point I have nothing of value left to sell. Aside from the monthly bills I have repair bills racking up on the house and our remaining vehicle.

The to top it off we got hit with a flood that took out our water heater, washer and dryer, and did significant damage to the rest of the basement.

Current bills include:
Cable $185
Cell $195
Mortgage $850
porperty taxes $200
food $600
gas $250
misc expenses for kids $200+ (8 year old daughter, 17 year old son)

repairs
replace water heater $1200
replace washer and dryer $500
engine and transmission work needed $2400
replace flooring and wall paneling $7500


Current monthly income
Wife: $600
Me: $800

Even with the financial aid and some other assistance we are almost $600 a month short just for the basic bills.

Any help would be greatly appreciated

Three years ago, the Christian bookstore where my wife had worked for 12 years closed. She has only been able to find part-time work since then, and is making only about 1/3 what she earned before. We were managing (barely) until last October, when my employer dropped our PPO plan to avoid a 25% premium hike. We now have a high-deductible health reimursement arrangement, which requires us to pay all of our medical costs up front, then wait up to 45 days for reimbursement of 1/2 the deductible, until the deductible is met, then the usual 80% reimbursement will kick in. With prescriptions alone costing us over $1200 a month, we are having to charge them, racking up interest while we wait for reimbursement. Any little bit that you can give would be GREATLY appreciated!

Hello,

I just moved and despite my great resume and charming demeanor I have not found a job yet. I do substitute at a daycare when needed; unfortunately they have not needed me this month. I am down to (literally) my last $2 in nickles and dimes which I'll spend on a day pass for the bus (for interviews). I have about a half jar of peanut butter and two packets of ramen left...which I'm still not sure if it even qualifies as food!

Rent is due, other bills are due (I had to beg my cell phone service carrier for an extension) my checking account is overdrawn and just keeps on racking up fees, which is lovely. Just when I'm extra discouraged, my grandfather (who has been terminally ill for some time now) is on his last leg in the hospital. Of course, he lives in Illinois with most of my family, and I just moved to Austin, Texas and cannot afford to visit. Don't think I haven't applied to do everything short of prostitution. Ask my parents? If only it were that simple. Since their farm went under, I'd feel horrible even asking them for change for the toll!

Please, please, please help a girl out. I promise I will do the same when I am back on my feet. What goes around comes around, that's about all I have faith in at this point.

Thank You.

xo

Hello,

I just moved and despite my great resume and charming demeanor I have not found a job yet. I do substitute at a daycare when needed; unfortunately they have not needed me this month. Rent is due, other bills are due (I had to beg my cell phone service carrier for an extension) my checking account is overdrawn (and just keeps on racking up fees..ugh) and I just when I'm extra discouraged, my grandfather (who has been terminally ill for some time now) is on his last leg in the hospital. Of course, he lives in Illinois with most of my family, and I just moved to Austin, Texas and cannot afford to visit. Don't think I haven't applied to do everything short of prostitution. Ask my parents? If only it were that simple. Since their farm went under, I'd feel horrible even asking them for change for the toll!

Please, please, please help a girl out. I promise I will do the same when I am back on my feet. What goes around comes around, that's about all I have faith in at this point.

Thank You.

xo